BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-27
Company: PNC Bank N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My boyfriend sent two deposits to my checking account I have with XXXX its an app checking account their name on the app is pnc bank c/o XXXX and after the transactions were complete and available they froze my debut card so I couldnt access my funds. I found the XXXX XXXX  on the App Store and have had the account for over six months I had previous issues with deposits I had made but not like this where they are completely taking my funds. I followed their error resolution request but every time they responded they asked for something else or said they didnt receive the attachments they kept contradicting themselves over email so I called and spoke to five different supervisors and talked to the highest person they allowed me access to and all they kept saying is they didnt have authority to turn my card back on. In their terms and conditions it says they allow third party transfers I sent them screenshots of their terms and conditions. I called over five times and I asked to talk to someone who could help me but they said that department was only available through email. They just kept running me in circles so I finally emailed them that they were breaking federal law by not letting access my available funds and I was going to contact FDIC and banking regulators than today I tried to log onto the account and it said my account is closed so I have no idea where my funds are and need my XXXX dollars back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: TrueAccord Corp.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Started getting emails. 

Contacted " original ' " creditor. '' They stated they never sent this in for a collection. 

This company is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
After pulling a copy of my credit report there are some inquiries that i did not authorize and they are being reported on my credit report. i have requested for a compliance check and asked that these inquiries be removed immediately from my credit report and my letters have went ignored after sending certified with the return receipt.

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 2020-09-10
Company: EQUIFAX, INC.
State: CO
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:
Equifax ; XXXX  and XXXX  should not be reporting that I am ( 120-150 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a victim of identity theft. I submitted dispute letters to XXXX, XXXX, and Transunion notifying them of the accounts that did not belong to me over 60 days ago on XXXX I have yet to recieve a response or credit report. The bureaus are in violation of my consumer rights. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). The disputed items are entirely inaccurate and incomplete, and represents a very serious error in reporting.

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 2017-08-09
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I sent a dispute letter to Toyota Financial regarding the accuracy of my credit report. They replied back with a letter ( which I attached ), stating that they are reporting my account accurately and consistent to the credit reporting agencies. They just violated the Fair Credit Reporting Act by saying they verified information was correct with the credit bureaus when in fact it was n't. Below are the things are that are not accurate and consistent. XXXX shows terms as 0 months when XXXX and XXXX show 66 months Last reported date shows XX/XX/XXXX on XXXX, XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX. ( How can they have three different dates for this but yet verified it was accurate ) Date last active shows XX/XX/XXXX on XXXX, XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX. ( How can they have three different dates for this but yet verified it was accurate ) Date of last payment shows blank on XXXX, XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX. ( How can they have three different dates for this but yet verified it was accurate ) This is not only a violation of the FCRA but also not compliant with METRO 2 guidelines which is mandated by the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I received a letter dated XXXX XXXX, 2017 that stated I could not be provided with loan options based on credit information on a TransUnion LLC credit report. I sent a letter within 2 weeks to TransUnion clearly asking for a copy of my report based on this, and received a letter dated XXXX XXXX,2017, that " Explanation of the inquiries on Your Credit Report '' with only a paragraph about it. Not only is it confusing, I still have n't received my credit report. Besides general information, the only contact recourse is via mail, which is far from XXXX XXXX advancements. I still would like a credit report from this agency that I requested within the appropriate 60 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 2021-11-01
Company: Experian Information Solutions Inc.
State: AZ
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:
4 items being reported exceed 7 years and do not qualify as reportable beyond this time frame.

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 2017-10-18
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My loan is currently being serviced by XXXX XXXX. A lender/servicer can not collect on a debt that is transferred during the default of the loan. Additionally, the main issue is that the beneficiary of this loan is XXXX XXXX XXXX XXXX, whom was never registered in the State of California to do loans. Because they were never registered in the State of California the Deed of Trust shall be void ab initio. My violations as a homeowner have been severely violated at this point and XXXX XXXX has failed to reach out to me nor provide me with the opportunity to explore my options.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
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 information incorrect

Complaint:
XXXX is reporting false information on my credit report called them and let know they refuse to deal with it is keeping me from getting a home because of the car on 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 explanation
Consumer complaint received 2020-09-03
Company: Santander Consumer USA Holdings Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Chrysler Financial had my vehicle repossessed on XX/XX/2020. The requirements to get my vehicle back were a payment of {$2500.00} and proof of insurance in 20 days. I paid Chrysler financial on XX/XX/2020 and showed proof of insurance. Chrysler Financial failed to process my release in a timely manner to XXXX XXXX, the third party vendor who needs to release my vehicle and who hung up on me multiple times from XXXX before they closed which resulted in my being unable to get my vehicle back the day I was entitled to get it on XX/XX/2020. Neither company is taking responsibility and illegally have my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: Experian Information Solutions Inc.
State: NY
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: Investigation took more than 30 days

Complaint:
I have sent a letter on XX/XX/XXXX to dispute inaccurate information on my credit report and it has been past 30 days and I have yet to receive a response. I have also sent an additional demand letter on XX/XX/XXXX requesting they follow up and still have not received any feedback and to the issues, I am having. I am a victim of identity theft and, someone has been utilizing my name, which prompted me to dispute the items on my report in the letter.

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 2023-02-06
Company: Bread Financial 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:
COMENITY BANKXXXX : Shows late payments on my credit report after never receiving the item ( s ) to be financed in the first place. 

Late dates show : XXXX, XXXX, XXXX, XXXX Ive always owed {$0.00} and as further proof have nothing in collections. I have been told numerous times this would all be removed from my credit report and it still has not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-27
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 belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$30000.00}, {$11000.00}, {$680.00}, {$13000.00}, {$6200.00}, {$5500.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S
.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$30000.00} -This is not my account. 

XXXX. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$680.00} -This is not my account. 

-- XXXX XXXX XXXX. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -This is not my account. 


-- XXXX ACCOUNT XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5500.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: ERC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried resolving this matter with Enhanced Recovery Company for over a month via postal mail and have yet to receive any response. I would like this alleged debt removed immediately from all credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: Comerica
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Direct. Express comerica bank direct deposit for government benifits is a very unprofessional thought it was a scam. Took 22 tries to get to customer service to talk to some one when card was stolen. Never asked me anout last charges no fraud dept. Said they were sending card 2 days 7 days no card called and called and called final getbthrough the card was never sent they cancalled card sent another one 2 day mail after a aweek using card it dosnt work cant use online purchaes gas staion etc. I call again card number invalid tell me to use. XXXX another scam company. What the hell i have a credit card with invalid number they tell me use XXXX are u serious. I had to order another card third card pay another XXXX to get it here in 2 days plus XXXX for replacement card. Its there fault they did something to my card worked then all of a sudden invalud card atm dosnt work either .complete unprofessional scam a bench mark card of us treasury

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Kriya Capital, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to dispute an inaccuracy on my credit report. I am filing a complaint with CREDENCE RESOURCE MANAGEMENENT they are hurting my credit because of there an inaccuracy on my credit report. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX  XXXX, Co XXXX. 

I recently pulled my report and noticed an inaccuracy in the information being reported by XXXX. Specifically, I am disputing the following : -Incorrect account statuses : The account is reported open account and is also in statuses in collection. 
-15 U.S.C 1692c. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt- -15 U.S.C 1681 Section 602 A. States I have the right to privacy.

-15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08
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:
I have Federal Loan that were being serviced by XXXX who is no longer in business, I have disputed the accounts with XXXX XXXX, XXXX, Equifax, XXXX, XXXX, each company keeps verifying these accounts as active and balances correct. XXXX phone is always busy and from a search it says they are closed. so how can they be verifying these accounts as correct, active with a balance when they don't. I've been disputing these accounts since last year when they were paid off and closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-05
Company: EOS Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My mother fraudulently opened a XXXX account sometime between XXXX and XXXX. I have tried multiple times since then to have the account closed and removrd from my credit history. Not only was it fraudulent created it's been over 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
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:
On XX/XX/2021 sent a letter regarding 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 im 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 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My mortgage refinancing company XXXX XXXX XXXX has requested an original Stock & Lease certificate from my existing mortgage owner " XXXX XXXX '' ( this is the bank name ). The request was made on XXXX, and the bank has still not provided over 45 days later. Meanwhile, it 's costing me hundreds of dollars to extend the interest rates I was approved for on the refinance. When I reached out to customer support, they told me to resubmit my request and wait 3 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I Have Been A Victim of Identity Theft. I did Authorize these Accounts. They are Fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-21
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: Information belongs to someone else

Complaint:
to my best knowledge my personal information was taking to open fraud wiresless account and to apply for loans of some kinds i was advised to send this form in for the accounts that i didnt authorize

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 2020-10-27
Company: Experian Information Solutions Inc.
State: NJ
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:
Experian is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2020-07-23
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
NewRez my mortgage service company refuses to apply extra payment to the principal. 

Multiple online and phone calls request didn't resolve the issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
To Whom It May Concern : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from TransUnion regarding these items. 
I am requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( The previous request not honored ). As the following items can not be verified, please correct status or delete them from the credit file : ACCOUNTS XXXX XXXX not mine/never late COLLECTIONS  XXXX XXXX XXXX not mine Identification already on file, please notice your internal notes. Please send a complete updated copy of the credit report. Additionally, DO NOT place a fraud alert or promotional block, etc. on my file without my expressed permission.

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