BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Transunion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX of XXXX XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-16
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX/XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have sent disputes every 45 days since XXXX. XXXX  hasn't responded and when I call them they refuse to provide any information. One of the companies I was able to speak with over the phone has said they've requested the urgent to be removed from my report since XXXX and XXXX has refused to respond. I have the email from XXXX executive office stating that it should be deleted and XXXX still hasn't responded. 
Equifax keeps saying an account is verified but when I call the company they say they have XXXX the account out and is no longer able to assist me. I request documentation but hasn't received anything from them. Equifax also refused to respond or update my file. XXXX says the information is updated after receiving information that XXXX has requested it to removed from my credit report and all refuse to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX is having no problem at all updating my credit report. EQUIFAX IS THE ISSUE. They will not update my credit report and when I call about it they want me to mail them a copy of my social security, address, drivers license and birth certificate! I cant ever get ahold of someone who works with equifax that lives in America and quite frankly I find it extremely suspicious that a team in the XXXX is requesting this information. Im extremely upset that an American company can have such a negative impact on my credit score but not even allow me to speak to someone state side. I have had people try to scam me before so I am just extremely uncomfortable with this and do not understand why they have so much authority on my life. I have been trying to get a loan for a car but they are refusing to update my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
TD bank, checking account opening bonus {$150.00} Received a mail in my mailbox as they say give me {$150.00} bonus when opening a checking account and finish a direct deposit totaling {$500.00}. 

Finished it several months ago, but no bonus posted. Tried to call them a lot of times, they said the bonus will be posted in 90 days and told me to wait. 

Then after 90 days, tried to call them again, they said Im not qualified for the bonus because I have to meet the mail requirement which is the mail has to be under my name. 

As far as I know, the mail said dear resident, if they say my name is not resident, that will make me laugh a lot. Also, they never told me all of these until last week. Its totally fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On Experian tried disputing a late credit card payment due to the mandatory government shut down due to Covid-19 and not being able to obtain UC benefits til later. They said dispute was completed and would be updated, nothing has happened. Also paid off a debt collection, it is closed and paid off, it is still showing on all 3 credit reports on Experian but was removed from XXXX  and XXXX  on XXXX XXXX. My scores on Experian have not updated in almost 2 months. I have paid off my credit card, paid off 5 months worth of car payments, paid off a debt collection and paid bills on time, still no score change. My wife and I are trying to get a mortgage and this is completely stopping us from growing as a family. When I spoke to a Experian customer service agent they told me that some companies do not report to them so they dont have to update their files. All of my other credit  score apps have updated, and been showing me my new scores. This is just completely unacceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
PennyMac is attempting to foreclose on my home with fraudulent robo-signed assignments. We were in the process of working out a modification while at the same time PennyMac was publishing a sale date for my home. This along with other concerns defined in the attached documents is clearly defined as Dual-tracking.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
went to Equifax site and looked at my report and noticed bank cards in my bankruptcy had DATE REPORTED, this year and last year, I did my bankruptcy 5 years ago and have had good credit since. Then tried to click on the complaint key and got knocked out and ca n't get back to get my report. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My credit report has a name on it similar to mine but is not me, also this same name has been reported with an account that is not mine. I never done business with this company nor have I given permission to anyone or company to open this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-13
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXXXXXX XXXX XXXX  XXXX - FRAUD! Not done by me. Disputed multiple times, dispute is done within a week stating its accurate. 
WRONG CREDIT SCORE pulled from Equifax multiple weeks in a row while APPLYING FOR A MORTGAGE!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am trying to reconnect my bank, PNC Bank, to the XXXX app on my phone but it tells me that my bank has made changes that does not allow them to connect to my account anymore. So it suggested that I try reporting that and filing the complaint. I need this app to have access to my account so that i am able to receive money deposited in to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: Tribal Lending Enterprise, Inc.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Mountain Summit Financial deposited money into mine and my wife 's checking account on XX/XX/20 in the amount of XXXX. That was not requested nor authorized. This had happened one time before with this company and my wife spoke with them back in XXXX about it. They are doing this thinking we won't notice it and then have to repay them the money with interest a ridiculous interest charge. This is fraud plain and simple. When my wife spoke to them back in XXXX they insured her that it was flagged and it would not happen again. Well here it is, it happened again. I also spoke with my bank and they said on their side it is nothing they can do, the only thing we would be able to do with them is close our checking account and open another account, which means we would have to change our info with all of the other companies that we have set up to do our bills and our work direct deposits, which we would only do as a last resort. This needs to stop.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was charged a {$30.00} late fee on my XXXX XXXX XXXX Credit Card for missing a payment. The problem started when I went to make my first payment, but the card had not yet been mailed to me, so I could not check my balance or pay it online. I then had to go into the store to pay my balance, but they couldnt tell me how much exactly I owed. I knew it was {$97.00} and some change, so I just paid the {$97.00}, which was well over the minimum that I owed. When I received the card in the mail I went online to pay the remaining balance, but it wouldnt let me make a payment because it was less than {$1.00}. A couple months later I was charged almost {$30.00} in late fees for not paying off the card. I was not send an email, and I was also not allowed to pay off the balance, so I should not have been charged a late fee at all because I was not allowed to pay the remaining cents, therefor, I didnt not try to make another payment since I had not used the card since. Now I have a late payment on my credit score, the only one out of almost 100 payments. I paid the late fee, but I would like that late payment erased from my credit history.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
When I attempted to get a credit card I was denied based on information on my credit report that I am unable to verify because it is information that I am unaware of. So I am unable to get information based on the fact that I am unable to verify accounts that I never opened. Someone opened accounts in my name such as a car loan and mortgage and other accounts that I have no idea how they were attained. I am assuming that someone stole my identity and therefore I have no way of verifying information to obtain my credit report since I didn't open the accounts they are referencing. I would like to make the complaint for XXXX XXXX, XXXX  and Experian. These three agencies have locked me out of my own information and I can not fix the problem with the fraud that has taken place in my name due to these agencies not giving me access to my credit reports since I can not verify information that they request since I have no knowledge of any accounts being open in my name. I really appreciate your assistance in resolving this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: Nationwide Credit Corporation
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
First, let me describe the problem and the abhorrent practices that I believe are in violation of the law. I had to do research to obtain the following information which included obtaining information from the FTC. 

I keep getting repeated calls to my telephone number by the following company : NCC ( Nationwide Credit Corporation ) XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX The repeated calls from NCC have a recorded message ( possibly robo dialed ) for another person to call them, even though this telephone number is not registered in that person 's name and never has been. Further, that person does not live at this address. I've had this number alone for over 32 years. 

NCC leaves only a long distance number to call them which would cost me money. No option to talk with anyone and no toll free number provided as required by law. 

The calls just keep coming, why should I have to pay and waste my money to get a lawless company to stop harassing me when I am not even a party to the debt? 

So I call the FTC & they are able to lookup a toll free number. I have since called NCC and told them that this phone is mine and does not belong to the person they seek ( name provided to them ) & that no such person lives here. I told them to cease and desist. Why should I have to waste my time & be put through all of this nightmare when I am clearly not the person they seek? 

Why are these companies allowed to behave this way? Harassing a person that they know full well is not the individual that they are after? This number is listed and anyone can see that it is not the telephone number for the person that they seek. 

This is abhorrent to keep harassing me without giving me a toll free number or an option to talk to anyone. This is terrorism by telephone and this company needs to be punished for these underhanded, deceitful & unlawful practices. 

I don't feel violated, I have been violated and it's totally uncalled for. Debt collectors are supposed to provide a toll free number if they demand a return call and they have no right to harass the innocent. Hint, my number has a very male name and the person they are after is female. Is this a reading comprehension problem on the part of NCC are do they intend to terrorize everyone with a similar last name trying to get them to pay the debt of another person? This is disgusting XXXX behavior.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: FIRST NATIONAL BANK OF OMAHA
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid XXXX - XXXX over the required payments .... I have 2 interests rates. 5.99 and 6.99 %. 

I expected the extra XXXX to go to the 6.99 % intersest - it did not ... only {$60.00} went to the 6.99 rate. 

The customer rep told me the apply the interest towards the lower rate. 

XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am the victim of identity theft. Upon knowledge of the violation, I spoke with Police and obtained a report, obtained an identity theft affidavit which I had signed and notarized. I included all of the fraudulent accounts as well as my ID and mailed it to the credit bureaus. XXXX and XXXX immediately removed the accounts. However XXXX came back said that my police report wasnt sufficient. Equifax completely ignored my statements and have refused to remove items from my credit report within the 5 day period as stated on the FCRA. After calling day in and day out to resolve this conflict, a dispute center manager from another country refused to assist me with moving forward and notified me that it will take 45 days for the items to be removed. The items were mailed on XXXX I was then notified on XX/XX/24 that the disputes sat in a P.O. Box for 2 weeks before being opened. These credit bureaus are criminals who outsource vital information to people in call centers who barely speak English. Someone who doesnt have a social security number shouldnt or wont be effective in resolving conflict with the bureaus and consumers shouldnt have to deal with credit bureaus negligence. Customer service reps at all of the bureaus need to be fully knowledgeable about the FCRA and the governing laws that they must abide by. Despite me reading my disputes and going over the FCRA, the dispute manager refused to assist me with the timely removal of the inaccurate info. My investigation numbers are XXXX, XXXX and XXXX. I sent all of my documents together so it SHOULD be under one number but because they are so unorganized they extenuate the circumstances and handle resolutions very carelessly. They must be held accountable. They should also remove XXXX XXXX information as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I recently checked my credit and noticed my 2 capital one credit cards reporting me 60 days late. I do not agree with that. I never received any statements and thought i had autopay set up. I already paid both credit cards completely off.. I am requesting they remove the alleged late pays XXXX they are extremely hurting my used to be Perfect credit scores. It was over 100 point decrease.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Both my husband and I are disputing an auto loan with XXXX XXXX. We paid the loan and on the documentation, it shows the loan paid on the XXXX report dated XXXX XXXX, XXXX. I disputed this XXXX credit that showed up with it showing a repossession. XXXX XXXX andXXXX are the same company. Furthermore, XXXX backdated a deletion of XXXX XXXX on XXXX XXXX, XXXX! They deleted the correct account and kept the incorrect one. We are obviously getting caught up in a someone else 's bad car loan. 

We have tried to deal with all three bureaus and no one is deleting the incorrect information.You can see that the loan origination date is exactly the same. 

Please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Per my rights under the FCRA, please provide the contact information for the third-party vendor that supplied you with this errant information, since my court does not have a subscription to your credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: Square Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I had Cashapp account # 1 and I transfered {$600.00} to Cashapp # 2 ( Different bank ). I tried to log on to account # 2 and Cashapp application made me create account # 3 and it automatically populated info from account # 2. So I was locked out of account # 2 with {$600.00}. I have filed for an investigation from account # 1 and Cashapp said that their investigation is complete and they can't do any thing after they said they would do a one time courtesy transfer. I was told I could read their TOS. They have not taken any action after that.

Company response to consumer: Closed with explanation