BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-30
Company: PNC Bank N.A.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I'm trying to use the XXXX XXXX  feature on XXXX  which is a well known app that has no security issues at all and seems 100 % safe, yet you guys do not allow it to work 100 % with PNC. Please let things work with well known, safe companies like XXXX. There is no reason to let these not work and will only push customers away from using PNC for banking purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: Experian Information Solutions Inc.
State: NJ
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:
inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2020-10-16
Company: EQUIFAX, INC.
State: NC
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:
Equifax has been contacted about an error by XXXX reporting a repossession on my report that he as cost me jobs, newly opened acvounts, not to mention hurt my business. 
This account I gave called Equifax Supervisor and Managers but it's still reporting as correct and updated with my name.

This violates my FCRA Rights and a Fraud Alert was attached to my credit report. 
The Online Equifax Lawsuit that was filed against Equifax stated when I enter my Social Security number and personal data that I was included in the Class Action Law Suit but haven't received but deragoratory, negative information pertaining from Equifax. Corona Virus Equifax has been contacted time and time again but they keep me in hold for 45 minutes then hang up I call back nothing after long  hold times and after 30 days. Another potential creditor told me that Equifax is reporting this false accusations and account against my credit report hurting my buying ability and credit score. My credit score is in the 500 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX of this year I received a email from my current mortgage holder Freedom Mortgage saying I could reduce my mortgage payment and keep the same term on my mortgage. I callled the number and got a Loan Advisor named XXXX XXXX. He said we needed to provide oruXX/XX/XXXX 1099s for Social Security and our 11099s for ouur IRA accounts and to sign the loan documents. The loan promised a.25 % reduction in thhe interest rate on our mortgage.XXXX  got back to us an said our debt to imvome ratio was too high. I tolod him y son paid the mortgage on one the houses on our credit report. Ha asked for proof that my son paid the mortgage and we provide it.He said he uploaded the documents to his underwriting teaqm and he would let me know as soon as he hear back from them. I haven't heard from him since, despite several emails and phone calls to him. In XXXX of this year I got the same offer from nmy mortgage company again. I again called and got XXXX XXXX Loan Originator. I went through the same process as before. Provided the same documents and signed the same loan agreement, On Wednesday XX/XX/XXXX XXXX XXXX said she submitted my file to underwriting and I should here the results by Friday. I haven't hear from her yet, despite emails and phone calls.. 
I have attached some of my correspondence with both company rpresentatives.

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 2017-09-19
Company: Experian Information Solutions Inc.
State: CA
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:
I have an open credit card account with XXXX XXXX XXXX which was opened in XXXX of XXXX. Since that time I 've made payments on time for 11 months straight. In XXXX of this year XXXX I was late a little over 30 days due to losing my job. I made the payment. In fact I did a double payment. XXXX XXXX  reported me as being late 30 days to Experian. Experian in turn because of me being late one time knocked my credit score down by100 points and put my account into negative status and there saying it 's going to stay in negative status until XXXX even though I 've only missed one payment in a year. This does n't make sense to me? I would maybe like 5 or 10 points or something, but 100 that 's just wrong. Because of this they have ruined my credit! How can one 's score be knocked down a 100 points for being late on time in a year? This is not right. 

I 've also asked to remove an account XXXX XXXX XXXX that was scheduled to only remain on my account until XXXX of XXXX according to past credit reports but has been mysteriously bumped up a year to stay on my credit report until XXXX XXXX now? I 've reported the problem but Experian refuse to fix the problem and revisit it even though I just disputed it. They refused to take the dispute. How is it that they can get away with this?

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 2020-05-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I had a bankruptcy over 10 years ago. During the tough times of past recession years, I struggled but managed to keep my home. I have kept my mortgage payments current and would like to refinance to a lower interest rate. I am having problems qualifying because my mortgage company XXXX XXXX XXXX, formerly XXXX refuses to report my payment history to the 3 major credit bureaus ; other lenders have told me without that information on my credit report, they will not consider refinancing my loan. 

I am stuck in a situation where I can not lower my current interest rate or get an equity loan to make many vital repairs. My home is old and desperately in need major of work. I have a decent income from a stable organization and a small amount of savings. 

Please assist me and others that are trapped in this dilemma even though we have moved on and are diligently trying to keep moving forward. 

Your assistance would be much appreciated. 

Sincerely, Homeowner on the rebound

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: SYNCHRONY FINANCIAL
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Around the end of XXXX I was notified by XXXX XXXX and XXXX XXXX that I opened a credit account with Paypal. I reached out to Paypal to let them know I didn't open any such account. Paypal took a couple of days to get back to me and said that they would cancel the account and nothing was charged on it. 

It wasn't until yesterday XX/XX/2020 that I saw from XXXX that I had a {$3000.00} balance with paypal with a new charge of {$34.00}. 

I have never opened up a paypal 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 2020-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TransUnion credit reporting agency keeps fading in my file that my student loans have gone up in interest rates and that I currently have a negative balance of {$3200.00} every time I turn around once a month they have reported that my interest has gone up in my student loans which I know are in forbearance due to everything going on in our country right now I have reached out to them three times by phone and by email and they never respond to me they just say oh I do not know what you're saying because we don't see the same thing at first I thought it was XXXX XXXX doing it on their own but then I found out it was not because it was TransUnion only they currently show that I have a balance of {$3200.00} in interest on my student loan and that it was reported by the student loan agency which I checked and it was not and I have asked them to remove it they did not remove it and my credit score dropped 8 points they are uncooperative

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 2020-07-21
Company: USCB, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello, I was contacted in XXXX to pay a medical bill ( I believe my RevSolve, thats how it shows up on the bank statement ). I made a payment then, but at that time I hadnt received any type of letter informing me I owed the debt or that they were actually collecting on it. I informed them I could only make one payment at the time because of Covid but asked them to send me a letter so I could contact them, and informed them I was moving and they didnt update my address. They didnt contact me for a little while and then come XXXX I get a lot of calls. 

I still hadnt receive any letters. My wife updated the address after paying the bill, asked for a letter to be emailed on XX/XX/XXXX saying it was payed in full and was told it would be sent on XX/XX/XXXX via email and still nothing. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Experian Information Solutions Inc.
State: MN
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:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

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 2021-06-02
Company: EQUIFAX, INC.
State: NY
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:
I am a victim of Identity theft. I XXXX XXXX. I have provided proof of my ID Identity theft report from the Federal Trade Commission. And a notarized Identity theft Affidavit showing that this complaint was submitted by me in fact. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CREDIT SYSTEMS INTERNATIONAL is not mine, they have me mixed up with another PERSON USING XXXX XXXX. I have never used them concerning medical debt. I ask them to contact the right person and not bother me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chase Bank is not a 24hr bank. They are closed on holidays and they close after a certain time on certain days like Sunday. XXXX XXXX XXXX chase locked me from my account. They were closed and I had no access to my funds nor was I able to reach a representative. My funds were on hold for 4 days because they were close and there was no one to speak to. This is illegal and these banks are getting away with it. You cant block people from their account and not be accessible. 
Chase Bank keeps purposely preventing me access to my funds. If I send a XXXX payment they purposely deny my XXXX transactions, locks me out of my accounts and then keeps my funds on hold without any explanation. I deposit my work checks and they dont give me a clear date. They clear it when they want and I cant get an explanation from no one.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: LEXISNEXIS
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I submitted multiple request to the major bureaus ( XXXX, XXXX, XXXX ) about the incorrect Bankruptcy information listed on my reports. I submitted files directly from the courthouse showcasing the error they stated was correct after asking them to investigate my file. They directed me to LexisNexis since they verified it as being correct multiple times during their investigation. I reached out to LexisNexis after reviewing the report they sent me in XX/XX/2020 and then asking them to verify its accuracy. LexisNexis never replied back to my multiple inquiries about why theyre reporting it accurate to the bureau yet wont show me where theyre getting this information from. I even went to the court house pointed out the multiple errors and incorrect information in writing back in XX/XX/2020. After no reply within 45 days i reached out to them again XX/XX/2020 requesting they investigate and validate the information directly with the courthouse. They havent responded back to me neither times within 45 days. I recently sent a third request XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I open my account with a financial institution be called Navy many of the banking federal laws are not being followed to my account my accounts are not in uniform code my balances don't have reference numbers they are not provided accurate information in regards to my transactions on my account I have put in several complaints in regards to the laws not being followed I have tried to resolve the issue several times. I have contact Navy Federal over 50 times in the past several months in regards to inaccurate balances transactions and my account not being in uniform code my statements are fraudulent and they have been altered. They need to be immediately investigated I have proof of the statements that have been altered

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On XX/XX/2018 Transunion Credit Reporting Company intentionally locked me out of my ability to see my free credit report provided to me as part of my XXXX XXXX   member services. They have done this on multiple occasion. They then require me to call them and insisted on making me provide them My Social Security Number, Date of Birth, last three previous residences and other important and private credit  information. The first agent said I gave them incorrect information and they made me provide this same information to a supervisor. After correctly giving them the information they refused to allow me to see my credit report.

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 2019-03-06
Company: JPMORGAN CHASE & CO.
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:
Despite more than one month and a half calling them directly using the numbers furnished back of the cards and on printed letters phone numbers printed in the back of their own documents they do not fix the the mistake and are trying for all possible ways to make me sign docs in that way i would be responsible for those exactly amounts that i am proving are not my liabilities cards and accounts fraudullentlly open on my name without my consent I mean come on how many times is it really necessary to say that : I am a victim MY IDENTITY WAS STOLEN by Mr XXXX XXXX XXXX also known as XXXX XXXX ( FRAUD ) ALSO XXXX XXXX XXXX XXXX ( FRAUD ) & XXXX XXXX ( FRAUD FRAUD ) to Mr J P MORGAN AND CHASE & TO : Mr. XXXX XXXX? When are you ( 2 ) going to PRESS charges and pursue JAIL TIME to this INDIVIDUAL that is STEALING from me ... my family ... .stealing his employees stealing his suppliers stealing from the state of florida and strelinfg from the federal government? To whoever that might be interested I XXXX XXXX XXXX one of his victms I have the proo of all of his crimes. Including but not limited the bad treatment to 4 cats called ( XXXX XXXX / XXXX and XXXX ) that are left alone in a place that is disgusting nasty UNFIT for the animal to live in. 

Thanks. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: EQUIFAX, INC.
State: NJ
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 requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
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:
Hi. I have been a consumer of Comenity/XXXX XXXX for over 3 years. I have never been delinquent, and always in good standard. XXXX XXXX I became very ILL. I went to my doctor and was diagnosed with XXXX and Hospitalized through XXXX. During my Hospitalization I was fighting was my life and unable to handle my affairs. Once I recovered I contacted Comenity and paid the account of XXXX XX/XX/2021 bringing it to XXXX bal, and they sent Me a paid balance in full letter, but they reported Me to the Credit Bureau as delinquent 60days fir XXXX. I wrote them a letter and emailed them twice in their online message center regarding my battle with XXXX and being hospitalized. I requested due to such an unfortunate situation being out of my control if they would make a good will gesture on my behalf and bring my account current. They denied Me. This is affecting my livelihood, because I am trying to gain housing for myself and my XXXX year old son and this is the only account on my Bureau reflecting delinquent. They have shown Me No Compassion under the circumstances and I have all documents to prove my case. PLEASE HELP ME to get the delinquent reporting pulled from My Credit Bureau. Thank You! 
Warmly, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: Paramount Recovery Systems, L.P.
State: MS
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:
In XX/XX/XXXX XXXX XXXX delivered a bed to my home that was already savaged and I returned it the debt was unsettled and its still on my credit after seven years. I have asked three credit beraus to remove it only XXXX did after investigating the others didnt In XX/XX/XXXX my insurance did not pay my physicians and the Debt was bought by Paramount Recovery in XX/XX/XXXX after not reporting to me that this medical bill was out here they then place it on my credit on XX/XX/XXXX I paid the bill on that day because Im in the middle of purchasing a home. I asked the three beraus to remove it because its holding my progress up, XXXX   removed it but the other two did not. I would like to file a suit because I was not given a chance to pay the bill and it is against the law to place any debt on an individual credit if you can not provide documentation that you requested payment in a timely manner

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation