BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-08
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I PULLED MY REPORTS ALL 3 I NOTICED BANKRUPTCIES IS REPORTING ON XXXX ONLY. I SENT IN ALL SUPPORTING DOCUMENTS, MY XXXX REPORT IS NOT REPORTING ANY BANKRUPTCIES AT ALL, XXXX STATED THAT THEY ARE, THAT IS INACCURACY INFORMATION, I ASK THEM TO REMOVE MY BANKRUPTCIES immediately immediately. THE FAIR CREDIT REPORTING ACT MENTIONS NOTHING IN SECTION 1681C RELATING TO BANKRUPTCY ABOUT DISMISSAL OR FILING.THE LAW CLEARY STATES FROM DATE OF ADJUDICATION OR DATE OF ORDER FOR RELIEF ANY CASE CIVIL OR OTHERWISE WHICH IS DISMISSED NO LONGER EXISTS IN THE EYES OF THE LAW, AND A CASE FILED MAY NEVER HAVE ACTUALLY BEEN ADJUDICATED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I am having a major issue with PNC Bank right now. There was over XXXX in my bank at the time that transactions were already posted. I had two extra come out of a balance left XXXX that was XXXX on XX/XX/21 and XXXX on XX/XX/21. They in turn made my account negative XXXX x XXXX when I had money in the account. I will also file with XXXX XXXX  due to this mix-up. But to charge me XXXX 5 times is not right. I would like for that to be removed from the account. I am noticing when items are posted they pulled the money out but then even after it is posted and paid it comes out of the account. So I would like for that to be fixed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-24
Company: CCS Financial Services, 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: Information belongs to someone else

Complaint:
The XXXX XXXX account that is reporting on my credit file does not belong to me. I have disputed this account with the credit agencies and the account was removed from all of the bureaus except for XXXX. Please assist me in getting this account removed from my credit file.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
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 information incorrect

Complaint:
I have attached three accounts that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have these accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached highlighted pictures of the accounts with the inaccuracies.

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 2021-08-19
Company: Experian Information Solutions 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 information incorrect

Complaint:
I have attached three accounts that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have these accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached highlighted pictures of the accounts with the inaccuracies.

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 2020-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
Capital one account have 2 late payments reporting and I've never been late on any of my capital one accounts and I have 4. It is showing XX/XX/2018 and XX/XX/2018. I need these late payments removed immediately because it is inaccurate and I've spoken to them and they would not remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: Millco Management
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the XXXX  Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am reaching out seeking assistance in dealing with our mortgage provider. We are XXXX XXXX XXXX XXXX XXXX providing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We were severely impact by the pandemic shutdown last year and were unable to make our mortgage payment. The provider agreed to a forbearance plan. Now they sent us a repayment plan with a monthly payment that is more than double of what it used to be prior to the pandemic. I reached out to them and they said there is no other option. There is no way we can pay the amount of the plan since it is more than our monthly income and more than double of what it used to be before our business was impacted by the pandemic. We need help to get them to agree to a reasonable payment amount so we can keep our home. Please advise on how you may be able to help us or what else we can do? Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: Experian Information Solutions Inc.
State: AR
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:
In XXXX of 2015, I had secured buyer for my home in XXXX XXXX, AR. When the bank refused to accept the buyer and their {$10000.00} down payment, I planned to continue to make payments until the home sold. I had never missed any payments on ANY loans I had ever had with this bank both while married and after divorce. Valued at {$250000.00} I was selling for {$170000.00}. The bank representative that I was dealing with ( male ) informed me that the bank would happily take over my loan. I asked if it would hurt my credit report and how it would be reported. The XXXX representative told me that it would just show that the bank had bought my house. I agreed as I believed what the representative told me. 2 months later when I attempted to secure a loan to purchase property in Oklahoma, I was informed that my credit rating had dropped drastically due to the negative reporting of a default real estate loan. I contacted XXXX  and the rep would not speak to me about what he had promised. He bold faced lied to me. I have since found out, that they sold my house for considerably more that what was the loan against it. I have reported this twice in the past and will continue to report until this is removed from 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 2019-09-17
Company: Williams & Fudge, Inc
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am not entirely sure why these people have been harassing every single family member of mine, but they have done it for months. I have sent a complain about this as well. My sister in law just messaged me and said she received yet another call from a " XXXX XXXX '' who is from Williams and Fudge Inc. They apparently told her they had been trying to reach me. Let me just be clear that I have requested this company send me the information through USPS mail and they refused. They shared PERSONAL INFORMATION with people who are not even related to me over the phone as well. I have a minor whose biological father is not to know of our address and apparently that was released as well. These are NOT FTC compliant tactics if these are bill collectors. He told my family member today XX/XX/17 that he got her # by " Doing some research '' and said he knew that they knew me, etc. I would like someone to investigate this person because this is STALKING and HARRASSMENT. EVERY SINGLE PERSON he contacts they ask them to stop calling and he continues to do so with unlawful tactics and keeps sharing my personal information with people who are NOT even related to me. The screenshot provided is just ONE of the many relatives and friends who have called me about this. Not only is it embarrassing, but he has called my employer and shared information as well-and I have NO clue why or who they are, as they will NOT respond with my request that they communicate WITH ME ONLY through USPS mail, for a paper trail, for my benefit as well as theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: Merchants Credit Bureau, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I rented from someone that has many properties. I worked for him XXXX  and also made payments every month in the amount I signed my 12 month lease for. I dealt with terrible conditions of this trailer for 12 months. There was a water leak that was never fixed that caused big hole in the floor. I asked them to fix and was never fixed there was a bedbug infestation from the time I moved in up until I moved out at the end of my lease. He never did anything and my children got sick from it.. Also mold that was never fixed. After my lease was up I moved and I told him I was leaving that I would not renue my lease because he never moved me out of the home nor did anything about the conditions, he sent off documents stating that I moved out 3 months before my lease was over and that I owed him for them 3 months and as well as charging me for the conditions of the trailer in the amount of XXXX bucks.. I have all documents proving I do not owe anything and as well as conversations between him and I about the conditions of the home.. As well as every recipe for rent for every month.. I am taking him to small claims court because this is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: Kinum, Inc., Indianapolis, IN Branch
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On or about XXXX or XX/XX/XXXX I rented a musical instrument for my daughter at local music store called XXXX XXXX XXXX. I returned the instrument in XX/XX/XXXX. I have the return receipt. At the end of XX/XX/XXXX I discovered that a collection agency had placed a collection account on my credit for about {$1700.00}, the original creditor is listed as XXXX XXXX XXXX 

I contacted XXXX XXXX XXXX and they acknowledged my receipt for returning the instrument but state there is nothing they can do to help me and that I needed to contact the collection agency. They provided the name of the agency as XXXX and provided a toll free number. I had to search the internet to locate the company. 

My complaint is that XXXX XXXX XXXX has the instrument and did not credit my account for the return of the instrument and provided incorrect information to a collection agency. XXXX XXXX XXXX has the instrument and yet they have apparently reported to the collection agency that I owe for the cost of the instrument. Secondly I was never contacted by the collection agency and did not have the opportunity to dispute this debt. Errant information has been placed on my credit profile causing my credit score to drop precipitously causing me harm. 

Fair debt collections practices were not followed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: EQUIFAX, INC.
State: TN
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 sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in detailed letter referencing federal laws that bureaus must abide by, based on their lack of responding in the time frame and their investigation and their results they have not abused by these laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
The XXXX XXXX account that is reporting on my credit file does not belong to me. I have disputed this account with the credit agencies and the account was removed from all of the bureaus except for Equifax. Please assist me in getting this account removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
We had XXXX XXXX financed with USAA and insured by USAA. Car was totaled XX/XX/XXXX ( as it happens, by another USAA member ). Notifed ins co XXXX. Notified bank XX/XX/XXXX. Ins claim dragged on through inept behavior by USAA 's inhouse ins adjuster - not returning calls, not answering phone, in an attempt to play out the clock. They towed car to XXXX   immediately, then back to XXXX XXXX, then back to XXXX  ( 200 miles +/- ) I complained to CEO of USAA stating that the loan was not past due ( due on XXXX XXXX ) but would be soon if they didn't DO THEIR JOBS. On XX/XX/XXXX, a woman named XXXX ( employee number XXXX ) called back saying she is from the CEO 's office. She was vicious. I explained that USAA HAS the vehicle and we're waiting for their insurance company do do their JOBS and pay the claim. She said she didn't care - we have to pay it anyway. I told her no There were 'words '. I hung up on her, told her to stop communicating. She continued to call every other day after that. The insurance company notified me that they'd issued electronic credit to pay off the vehicle on XXXX XXXX. The calls kept coming anyway. USAA informed me that they hadn't credited as of yet. They held the money for many days before showing it credited ( they backdated it to accomplish this ). This appears to be fraud. I have in my possession, a letter claiming we're in default, dated XX/XX/XXXX, and a letter from USAA dated XXXX XXXX stating loan was paid in full. I have emails if you wish them, proving that they received funds on XX/XX/XXXX. 

This is nothing short of mean-spirited harassment and refusal to work with a customer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I'm reporting that Citi is not properly handling the closure of the card due to fraud. 
On XX/XX/XXXX I received an alert via text and email that there was a declined attempt to use the card in XXXX. I replied that I do not recognize this transaction and also in just a few minutes I called the number provided, spoke with the person who verified the last valid transaction, and said that I'm going to receive the new card in a few days. 
On XX/XX/XXXX, I chatted online to inquiry about the status of the card : they could not help as they said my account was not accessible. 
Today is XX/XX/XXXX, I do not see any message online about the new card, and I have not received it. I've been waiting to make a few purchases I need. I called again the same number and, surprisingly, I was told the old card has not yet been closed because call was disconnected. There are a few absurds here : - In the original call I had already verified all the transactions and was already told I'd receive a new card in a few days, they tried to transfer me to some mobile wallet department to resetup the Citi Pay wallet but I was left waiting and ended the call. 

- Most important, nobody at Citi, during the previous week, tried to contact me about this. Citi has an account flagged as fraud, apparently not yet closed ( even though I called ), no new card issued, and then Citi customer service does absolutely nothing about it. I'm wondering what would happen if I had left like that indefinitely.

When I had verified the transactions and was told new cards would arrive in a few days, I considered the matter resolved, but Citi did not actually process what they informed.

This is inferior and even improper service, and this account will be less used from now on.

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 2021-08-19
Company: EQUIFAX, 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: 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 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 30days gives a reason to immediately remove those items from 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 XXXX  you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: Experian Information Solutions 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:
There is incorrect information on my credit report from a company called XXXX XXXX. It is showing me as having been 30 days late. I dispute this, AND the company disputes it. I even have a letter from the company certifying that I was not late on this payment, but multiple dispute attempts leave it on my credit report. It only shows up on Experian as late. The company at fault appears to be Experian and not 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 2021-08-19
Company: Experian Information Solutions Inc.
State: MD
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 have spoken with XXXX XXXX XXXX on several occasions and they removed the lates once and then placed them back on. I have NEVER been late with them EVER! I need them to remove the two lates from my report of XX/XX/2018 & XX/XX/2018.

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