BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
The credit bureau refused to provide me their Method Of Verification listed for accounts listed on my credit report. According to the FCRA 611 ( a ) ( 6 ) ( iii ) which states " if requested by a consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of the information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available ''. FCRA ( a ) ( 7 ), which is used for such a request, states : '' A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. On or about XX/XX/2018, and again on or about XX/XX/2018. I requested the Method of Verification via return receipt certified mail. Transunion refused to provide me with their Method of Verification.

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 2017-11-09
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: Information is missing that should be on the report

Complaint:
Employment Data Reported XXXX XXXX XXXX Current Position XXXX XXXX XXXX XXXX XXXX PA XXXX Phone Number XXXX XXXX XXXX Current Position XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Phone Number XXXX XXXX XXXX Current Position XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Phone Number XXXX XXXX XXXX XXXX Past Position XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Phone Number XXXX XXXX XXXX XXXX Past Position XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Phone Number XXXX XXXX XXXX XXXX XXXX Past Position XXXX XXXX XXXX XXXX Past Position XXXX XXXX XXXX XXXX Past Position XXXX XXXX XXXX XXXX Medical Center  Past Position XXXX These are my current and past employers on my file the credit Bureaus have Employers that are not the right name nor have I work for them I have provided the right information with address and phone number to verify There is to much wrong information on my credit file and makes no sense this incorrect information or how it was obtained is wrong I have sent pictures of credit report errors and wrong changes and still month after month wrong information and not corrected right from what ever source

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 2020-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX made a mobile deposit {$6900.00} of my government payroll check into checking account. I had access to funds on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX the bank put a hold on my deposit til XX/XX/XXXX without notice. All my bills I had scheduled to pay was returned. I was accrued fees from the bank and fees from my creditors. My creditors charged me late fees and notified the credit bureaus of late payments because my payments was returned by the bank.

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 monetary relief
Consumer complaint received 2018-11-12
Company: I.C. System, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/XXXX I signed up with Telephone/Internet/TV with Service Provider Name : ( XXXX XXXX ) also made a Security Deposit of at least {$150.00} which was never returned, I also contacted XXXX by telephone to discontinue service end of XX/XX/XXXX, because I was moving and also paid by bill of XXXX, XXXX which I should have received an Refund!

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 2018-08-18
Company: Experian Information Solutions Inc.
State: MI
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:
Dear Sir, I am going through the Experian Credit Report and also checking inquiries on my report. I have closed all my individual XXXX credit cards. Irrespective of soft inquires impacts to my credit report, what's the specific needs of XXXX card inquiry dated XX/XX/2018 on Experian Credit file. I have closed my individual credit cards on XX/XX/XXXX and XX/XX/2018 respectively. Why did XXXX inquire about my social when I have not contacted XXXX card or I do not have any plans to have any kind of XXXX credit card. Could CFPB direct XXXX card/Experian to explain me the reasons of this inquiry dated XX/XX/2018. Could CFPB direct XXXX   card/Experian to issue me an official letter on this inquiry, anyone fraudulently obtained any card using my social, need complete details of this fraudulent inquiry dated XX/XX/2018 on my Experian Credit file.

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 2017-11-09
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:
I recently obtained a copy of my credit report, which contains inaccurate or outdated information reported by your XXXX. in accordance with the Fair Credit Reporting Act, 15 USC section 1681i. 
XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX/XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXXAcct # XXXX XXXX XXXX XXXX Acct # XXXX The following inaccurate information must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act

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 2018-11-12
Company: CAINE & WEINER COMPANY, INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a letter advising me that Caine & Weiner had acquired a debt in my name. I immediately respond by USPS that I disputed the debt and I requested that they send me an itemized statement so that I could/could not validate the debt. I was NEVER provided with anything, I was also never contacted again and only found out this debt was still active when I received an alert from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 recently reviewed my credit report and discovered inaccurate credit card accounts reported from TransUnion : XXXX XXXX XXXXXXXX opened on XX/XX/XXXX XXXX XXXX XXXX opened on XX/XX/XXXX in the amount o {$480.00}

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 2020-10-13
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Paypal is emailing us courtesy notifications that are statement is ready for review. This implies it is also ready to pay. However, this is not the case. The dates that Paypal is providing are misleading and causing customers like me to make payments that are inaccurate. 

In XXXX I was notified by Paypay that my statement was ready. I logged in and paid the statement balance. Today, in XXXX, I was notified by Paypal that my statement is ready. I logged in and discovered i was assessed a late fee and there was a balance due for XXXX. 

Subsequently, the 1st customer service rep had an attitude and I hung up. The 2nd rep was boggled by this issue as well. But credited my account for the late fee.

I spent alot of time in the above discussions.

Afterwards, I began to review all the emails and statements and balances to see where the problem was. And I concluded that it is 100 % Paypal and Synchrony Bank for providing us with misleading information about our the dates of our statements.

The attachments I am providing will show that Paypal notified me that my current statement is ready to review ( and pay ). When viewing the
Paypal Account, the due date is for last week and not for the end of the month. Then when going to Synchrony to make a payment, there is no statement for this month. Instead its last month statement. And then we customers pay inadvertently pay that amount

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 monetary relief
Consumer complaint received 2017-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I recently obtained a copy of my credit report, which contains inaccurate or outdated information reported by your TransUnion. in accordance with the Fair Credit Reporting Act, XXXX XXXX section XXXX. 
Account must be deleted from the report as soon as possible : DSNB/MACYS ACCT # XXXX Bank XXXX XXXX ACCT XXXX XXXX Capital XXXX bank USA NA ACCT # XXXX DEPT OF HEALTH AND HUMAN SVC HRSA ACCT # XXXX DSNB/MACYS ACCT # XXXX ENHANCED RECOVERY COMPANY ACCT # XXXX XXXX ACCT # XXXX The following inaccurate information must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act

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 2017-11-09
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
After looking at my credit report, I noticed several outdated and inaccurate items : The following below are inaccurate. I never live at the addresses. Please complete removed from my credit file XXXX XXXX XXXX # XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX # XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX # XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Please investigate these inaccurate items and remove them immediately and forward an update copy of credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-22
Company: WELLS FARGO & COMPANY
State: CA
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:
XXXX XXXX XXXX in XXXX Ca, submitted my credit application to other lenders without disclosing to me that they would be seeking other lenders. I was pre-approved with XXXX XXXX XXXX for the loan and did not request them to seek other lenders. 

Due to their negligence and actions It has damaged my credit rating with additional hard inquiries placed by the other lenders on my XXXX 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 2019-03-30
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I need my form XXXX to file my taxes. 
Regions mortgage bought my loan from XXXX. Each bank claims the other has my documentation. Neither has sent them. Neither can tell me when that would occur.

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 2019-05-23
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX I filled out forms for a loan modification due to my husband got ill and was hospitalized several times and I didn't want to get behind where I couldn't catch up. Carrington Mortgage Services advised to do a loan modification. I have filled out the documents they requested, and they keep requesting same documents over and over stating that there was changes to the XXXX. I filled one out on  XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX. I really can't believe there has been changes, especially that many. 
I have faxed in the whole packet in XX/XX/XXXX and still to this present date XX/XX/XXXX I am now being asked to pretty much start over.. And, since then got a letter from an attorney that is handling the Carrington Mortgage Services . 
Now, since all this time has went past, today, XX/XX/XXXX I was asked to fill out the Mortgage Assistance ( RMA ), plus 30 days of paystubs. AGAIN! 
There should be no reason for all this delay, I have kept in contact, filled out the forms requested and still have got No Where! When I first started and spoke to the associate at Carrington Mortgage she advised once packet received there should be a timely process and should get information on the loan modification and the new terms to me. I do not want to lose my house, but I feel I am getting no help at all! I feel very cooperative with all the demands and phone calls, but I feel I am getting the run around and possible scammed to the extent that I will lose my home. I have owned this home since XX/XX/XXXX @ XXXX XXXX and I feel I am just asking for help and not a run-around.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: Experian Information Solutions Inc.
State: GA
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 contacted the bureaus and the company has as well. The company, XXXX has stated that per our agreement that the account were paid and have agreed to deleted those accounts from 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 2017-11-09
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:
I recently obtained a copy of my credit report, which contains inaccurate or outdated information reported by your XXXX. in accordance with the Fair Credit Reporting Act, 15 USC section 1681i. 
Account must be deleted from the report as soon as possible : XXXX/XXXX ACCT # XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX/XXXX  ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX The following inaccurate information must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act

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 2018-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XX/XX/2018, I started the process to dispute unverified information on my credit report as reported by the three major Credit Reporting Agencies ( CRA ) or bureaus, XXXX, XXXX   and TransUnion. As of XX/XX/2018 and through 4 rounds of letters sent by certified return receipt, the items I disputed still remain on my credit file as unverified. XXXX was the one CRA that would not respond to my 4th letter, stating they had previously processed my dispute and information was verified. I would like to submit this complaint on them for your investigation.

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 2020-11-15
Company: AFNI INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I requested written verification of an XXXX  debt that I believe was added after I canceled the account via phone and mail never received it. Then attempted to dispute it without ever receiving any mail or email documentation. The debt collector is afni.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
MCM I called several times to resolve the issue and was told the debt could be settle for {$750.00} dollars in which I called back and was told I need to talk to some one name XXXX. I have phone records to how many times I called.

If MCM wants to resolve this issue I need a letter stating what I was told over the phone. If it's not in writing the amount stated there is no reason to mail any more letters I will just wait to it comes off my credit report. If the debt is not being removed there is no reason to pay the debt due to it is not going to change my credit.

Unless I receive something in writing showing what we discuss and it's been removed from my credit report there will be no need for need for contact regarding this debt if not in writing. I well not respond to the same old computer generated letter and when calling no need. Its been nothing but games and the run around with MCM. No letter no money

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: CL Holdings LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As of XX/XX/2018 I Notice a collection item on my credit report with company XXXX XXXX XXXX , XXXX  As I did a research on the internet I came up with address XXXX XXXX XXXX XXXX XXXX, MN XXXX. Of an item with XXXX XXXX, In the amount of {$2600.00} I disputed the item with all 3 Credit Report Bureau XXXX, XXXX, XXXX  in XX/XX/2018 and came back as verified and certified with XXXX XXXX XXXX. Please be advise that this item doesn't belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-13
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, XXXX XXXX XXXX XXXX initiated an eviction process against me for 30 days or less late in my rent. XXXX XXXX District Court, XXXX XXXX County, VA granted a judgment for {$910.00} ( the deposit I paid them was not deducted ). Within 30 or  60 days, I received a letter from a collection agency, National Credit System , Inc. Demanding {$3200.00}. I disputed the amount. I tried to find a lawyer unsuccessfully. On XX/XX/XXXX, I settled the debt for {$1500.00}, perhaps more. They send a letter indicating that I had no further obligations. I'm in the process of applying for a home improvement loan, which is denied because the judgment still shows on my credit. I called National Credit System. They indicated is their prerogative not to remove the judgment because I still have a balance. For the judgment to be removed, I have to pay in full. I'm requesting an investigation. One, can a judgment be increased? ; Two, can they  refused to remove a judgment after indicating I have no further obligation?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: JPMORGAN CHASE & CO.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/XXXX ; XX/XX/XXXX & XX/XX/XXXX. 
I spoke with a representative from chase bank on XX/XX/XXXX she mentioned that my account may have been compromised and we changed my password and username on my account. 
I tried to use my account on XX/XX/XXXX and it was declined I called an tried to find out why and the representative could not verify me. Why the one on XX/XX/XXXX could I Dont know, I was transferred and they could not verify or help me ask for a supervisor and one was not available and they would have someone call no call. Tried to use my card again and same only this time they took my social security number atm debit card number and still transferred me and transferred me again to a number where no one was there. 
I have had this account for more than 10 years. I have several bills paid from this debit card which are being kicked back due to their incompetence. They have held my money all weekend without notice. They could have sent a new card or something so I could notify my creditors. 
They should be able to offer me a way to access my money. And they should have a way to verify me. How could they just take my card and now I have late payments..I can not use my debit card at all and there isnt a branch in XXXX, NC whic was explained. I have up coming payments..

Company response to consumer: Closed with explanation