BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-25
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
PNC BANK-they are very deceitful. 

Dear CFPB I have contacted PNC Bank at least 5 times now and they keep lying, they use to be a good bank -now evil. Now they have begun to put money into my account and saying that I put it there when in fact I did not, I talked with a worker from their Corp office and she told me that she would close it, but she did not. 
They keep it open because now they have put money there, and saying that I can not close it, because of the money {$170.00} - not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The mortgage company did not pay the school tax bill. The first deadline was XX/XX/2020 and the amount due was {$2800.00}. I contacted them in XXXX to inquire about the payment and was told that it would be paid on time. I submitted a copy of the bill to them, even though their website said that this was not necessary to do. It wasn't paid and the amount increased to {$2900.00} on XX/XX/2020, due to it not being paid on time. I contacted them several times in XXXX to inquire about when it would be paid. They sent a letter dated XX/XX/2020 which stated that they paid it and {$2800.00} was deducted from my escrow account and the late penalty was covered by them. I contacted the tax office several times and was consistently told that it was not paid. As of XX/XX/2020, the tax collector stated in an email that it has not been paid. Multiple calls to the mortgage company have not fixed this. They encouraged me to file a complaint, on their website, which I did. Several times I was told that it would be fixed and they would call me back to confirm, and they never call back. They stated that all they would do is provide me with a letter stating that they sent the check, however that does not satisfy the bill that the tax collector has not received. On XX/XX/2020, the amount owed will increase to {$3200.00}, due to another penalty for it being late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: Experian Information Solutions Inc.
State: NV
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:
There's information reporting on my file inwhich is a direct result of identity theft and these accounts went on to become closed but this is not sufficient I'm demanding that they be removed and blocked from my credit file. 

1 ) XXXX XXXX 2 ) XXXX XXXX XXXX  3 ) XXXX XXXX 4 ) XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I suspect that my information is being mishandled and inaccurately reported, prompting me to file a complaint with NAVY FEDERAL CR UNION. Upon reviewing my credit report dated XX/XX/2023, I discovered a derogatory entry that I was previously unaware of, containing inaccurate details such as payment history, status, opened date, and date of last activity. In accordance with 15 U.S.C. Section 602 and 15 U.S.C. Section 604 A Section 2, I wish to assert my right to privacy. It is emphasized that a consumer reporting agency is not permitted to disclose an account without my explicit written instructions. I have attached the FTC report with report number XXXX to support this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: Metro Collection Service Inc.
State: GA
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
it was XXXX dollars this debt was already disputed and it meets all fcra requirements this account is 7 plus years but they keep reporting it on my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

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 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 disputed some inaccuracies and unclear items on my credit report in a letter, and more than 60 days later, I haven't heard back. I feel victimized and my complaints are being disregarded. I expect the immediate deletion of these accounts. I won't wait another 50 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 2019-03-09
Company: Experian Information Solutions Inc.
State: NC
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 pulled my credit on XX/XX/XXXX due to being denied a loan thru XXXX XXXX on XX/XX/XXXX I discovered I had identity theft again I reported identity heft to all three major credit reporting companies in XX/XX/XXXX & XX/XX/XXXX I was recently notified that I have monies at the dc unclaimed Reported XX/XX/XXXX By XXXX. My XXXX card on all three credit reports The address of XXXX XXXX XXXX XXXX WASHINGTON DC # # # # # # THIS IS THE FEDERAL COMMUNICATIONS commission ADDRESS NOT MINE as reported on my credit report by XXXX  of XX/XX/XXXX EXPERIAN reported my XXXX XXXX account as closed but it was used after my credit report by experian said it was closed It also says reported in XX/XX/XXXX pprox. Reported where XXXX.inquiry.. XXXX XXXX letter of XX/XX/XXXX denies the inquiry on all three credit companies they said the only one they did was in XX/XX/XXXX when I purchased a car. 
Due to my experian and other reports having false info on them and me having identity theft registered with the FTC and confirmed in XX/XX/XXXX by the office of the comptroller for currency I requested via phone at experian to give me What addresses were reported by which creditor on my experian report Especially XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Etc And what phone numbers go with what creditors account due to the XXXX XXXX like number And XXXX are not mine along with 18 others on my XXXX report I requested this info from experian person via phone in XX/XX/XXXX. The male said I could not delete any addresses or phone numbers because they were linked to the creditors that reported the addresses and phone # .. to assist me in recovering from identity theft I need all that info And the dates reported info on all my accounts Did they report that to a unclaimed department of the United States . 
This will also help me catch the identity thieves and recover my missing million plus dollars unaccounted for Have then send me this info asap for court with my ex husband XXXX XXXX as if XX/XX/XXXX I also Need to know who reported my income AS what is stated on my experian report as Retired XXXX SECOND INCOME This sounds like my ex husband History. 
I worked for 45 years before I was put on XXXX. 
I also have 45 years of credit history why is there only 13 years on my credit Also why do all three credit reporting companies have my names totally different EXPERIAN has XXXX XXXX XXXX XXXX XXXX XXXX has XXXX XXXX XXXX has XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My account was late based on a special circumstances ( hardship ) all fees were waved ( 1 time exception ) but my credit reports late 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 requesting that you take appropriate action to investigate and remove them 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 2022-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My credit report with TransUnion shows multiple invalid account that are causing detriment to my score. My Report is showing, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( reported XXXX dated XX/XX/XXXX and XX/XX/XXXX ) as charge offs. That information is invalid. My report also shows XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Reported XXXX on my report dated XX/XX/XXXX, XXXX and XX/XX/XXXX ) and XXXX XXXX  as Hard Inquiries. I have never interacted with any of these companies listed which means this information Is invalid. I have requested for TransUnion to remove these invalid accounts or validate them. However, I have not gotten a response or action from Transunion.

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 2021-04-30
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I, XXXX XXXX as a federally protected consumer am protected under the Fair Credit Reporting Act ( 15 USC 1681 ). The FCRA is intended to secure the right to accuracy, fairness, and privacy of my consumer information contained in the files of consumer reporting agencies and those rights have been violated. As a federally protected consumer, I have the right to privacy. Any and all information deemed private should not be posted to my consumer report ; TD RETAIL CARD SERVICE is in direct violation of 15 USC 1681a ( 4 ) by furnishing this on my consumer report and is infringing upon my right to privacy. TD RETAIL CARD SERVICE is also in violation of 15 USC 1681a ( 2 ) ( iii ) as I did not provide any authorization, written nor oral, to furnish the following hard inquiries on my consumer report - see Exhibit A : TD RETAIL CARD SERVICE XX/XX/19, XX/XX/19. As a federally protected consumer, I am exercising my rights to choose not to provide this information on my consumer report and am asking that it be removed immediately. TD RETAIL CARD SERVICE is also in violation of 15 USC 1681c-2 as these hard inquiries were the result of identity theft - see Exhibit B.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I asked Equifax to place initial fraud alert and they complied and placed initial fraud alert. I then called Equifax as well as visited website to place extended fraud alert for 7 years. I sent Equifax a certified letter with all the supporting documents that Equifax had requested and received confirmation that Equifax received the letter and supporting documents. However, Equifax still has not placed extended fraud alert on my credit file. My initial fraud alert has expired now and I just checked my credit earlier today and realized that they had not processed my request for extended fraud alert despite multiple attempts at resolving the issue on my own. I ask cfbp to assist me in getting the extended fraud alert placed on my Equifax credit report/account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: EQUIFAX, INC.
State: NC
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 sent a letter on the credit bureaus on XX/XX/22 requesting the credit bureaus to remove the bankruptcy reporting on my credit profile. I know for a fact that the courts do not communicate with the credit bureaus so how are they able to verify this as accurate. They are reporting unverified information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 sent a letter on the credit bureaus on XX/XX/22 requesting the credit bureaus to remove the bankruptcy reporting on my credit profile. I know for a fact that the courts do not communicate with the credit bureaus so how are they able to verify this as accurate. They are reporting unverified information.

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 2023-08-08
Company: Figure Technologies, Inc
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Please have Figure Lending LLC ( located at XXXX XXXX XXXX XXXX, XXXX Floor, XXXX, NC XXXX ) seize all further communication with me and remove my name from all marketing letters. They have inappropriately advertised HELOCs multiple times that I never signed up for. I simply do not know how they obtained my home address.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: Experian Information Solutions Inc.
State: LA
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:
XXXX ; Experian and XXXX  are reporting me 120 days past due on the XXXX - partial account number XXXX ( located on page 5 of the attached credit report ). This account reflects a {$0.00} balance and {$0.00} past due. I have contacted the three bureaus to get this incorrect reporting fixed. It is impossible to be 120 days late on an account that has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score.

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 2021-02-26
Company: Winklevoss Exchange LLC
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have been using XXXX XXXX XXXX XXXX located in NY and recently decided to withdraw my USD amounting to XXXX back into my bank account. Per their instructions and policy I made sure the deposits I made there had cleared, that my identity and that my bank account info was verified to their standards. However, they do not allow me to select my bank to transfer to and insist I add another bank for no discernible reason and with no explanation. I have not performed any action that would warrant a hold or freeze detailed in their TOS. I have attempted to contact them multiple times since the beginning of this week both via email and through social media with no reply. I have spent hours searching for answers due to their silence and have found their social media pages flooded with complaints of people waiting months with no answers. I have not found any viable answer as to how I can initiate my transfer whatsoever and I am far from alone in this. I am currently unemployed, have a new daughter, and there is a pandemic. I anticipated that my money could be held for some days due to processing, but to have it held in uncertainty with no explanation for months will be truly damaging and is by all means entirely inexcusable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: Dovenmuehle Mortgage, Inc.
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have tried multiple times to figure out why the business claims that I have missed a mortgage payment, but no one at the business has provided information on what monthly payment was missed and where my payment went. I have sent in my bank statements with the corresponding statements, showing proof that I have made all payments due ( to current ) and no one has resolved this issue or will call me back with answers. They continue to respond leaving my the same contact information that leads nowhere. The same issue occurred last year and the resolve ended up with the business owing me money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: EQUIFAX, INC.
State: AL
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 have been dealing with equifax for more then 6 months with the same problem to no resolution at all..The problem is with XXXX XXXX able to report on my credit file after i have mailed, email.faxed..communicated to over 15 customer service about this problem.XXXX I purchase a vehicle from XXXX XXXX receive my title in the mailXXXX i purchase another vehicle from XXXX XXXX  for XXXX +title and taxes it was XXXX high balance after paying the vehicle of i recieved my title in the mailed XXXX and XXXX i did a title loan on it from XXXX XXXX XXXX XXXX I didnt want the vehicle and i allowed XXXX XXXX to keep it..XXXX XXXX XXXX took me to court for balance of XXXX ..I had XXXX  XXXX XXXX XXXX to represent me and i was told by XXXX XXXX that i did not have to go to court due to health issue and I was in the hospital..XXXX XXXX told me that i lost, Dont worry as long as im disable XXXX XXXX wont see a XXXX..XXXX XXXX I filed suit against XXXX XXXX because im trying to purchase my first home and that judgement is damaging my chance to get approved, equifax isnt doing a complete job XXXX  XXXX  keep reporting back to equifax that the account belong to me and the information is accurate, which it not with XXXX XXXX reporting high balance of XXXX and the unpaid balance is XXXX the payment history add up to XXXX its not adding up.XX/XX/XXXX CFPB had a Block added to my credit report and both XXXX XXXX  and equifax received the documents, and i had a fraud alert added XX/XX/XXXX to my account XX/XX/XXXX XXXX XXXX reported 180 days late ... XXXX XXXX denied my loan approval because of XXXX XXXX and equifax not doing their job ... I have filed over 17 disputes about this matter .equifax employee keep telling me to get in touch with XXXX XXXX, I keep explaining to equifax that we're in Litigation in the District court of Alabama ..XXXX XXXX XXXX XXXX and by me been Pro se and XXXX no one want to help to make this right ! Thank you for your time and effort

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I haven't received any investigation results.

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 2023-03-15
Company: EQUIFAX, INC.
State: IN
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 these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: Specialized Loan Servicing Holdings LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We paid $XXXX to lower our principal in order to pay the house off faster and also to get the Private Mortgage Insurance (PMI) of $XXXX per month cancelled.  I’ve been calling them trying to get them to do something for over a month now and they keep ignoring my requests.  I have paid my loan down to approximately 64% of it original value and they are trying to apply non specific charges of possibly $XXXX  to re-appraise the property.  I wouldn’t even have PMI if I owed this much on the original value of the property.

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