BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-13
Company: Avant Credit Corporation
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I had a loan with this company in XXXX of XXXX ( Loan # XXXX XXXX. I paid it off, in full, on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, they continued to take an additional payment out of my account. I immediately contacted them and requested a refund. I was told it would arrive within 10 business days. That did not occur. I then contacted them  starting XXXX/XXXX/XXXX to again request my refund. I have called every day since then and have been given the run-around. They have acknowledged, multiple times, that I 'm entitled to the refund. I 'm told different dates to expect the refund, always pushed back further each time I call. I 'm consistently told it is being handled by the resolution department, and they claim they have no way to contact that department.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
sent me a summons in mail to address I don't live to go court in XXXX I told them before this that the account was turned over to XXXX XXXX XXXX  6 months ago and they will handle it

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 2019-11-06
Company: TD BANK US HOLDING COMPANY
State: MA
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:
So this what happened, I was told that if I was to pay the balance in the account it will be deleted from my credit report but it didn't happen. I attached files to prove my identity and what has transpired.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 


Collection agency : XXXX  XXXX 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 2023-04-04
Company: Experian Information Solutions 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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2021-09-25
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This is a response to Experian for their response on XX/XX/2021 for the formal complain submitted to Experian through CFPB Complaint ID XXXX on XX/XX/2021.

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 2019-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX # XXXX is reporting a late in XX/XX/19. I was never late. What happened was that I had paid it online and did not realize that the payment had not gone through until they sent me a notice about it being late, the first thing I did was pay it. This is not my fault and I did not know about the payment not going through until it was too late.

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 2017-12-13
Company: PNC Bank N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
This is my second complaint to CFPB for the same issue. 
I have a PNC Rewards card. For all of the many years I have had this card, I have been unable to redeem my rewards through their website. I have called each month, for over three years and get caught up in a 1/2 hour phone tree before I get someone who manually  redeems my rewards. I complain to them on the phone and to their supervisors and I have been assured that they are working on fixing the website. 
It was never fixed and to date, it is still not working. 
I filed a complaint to this organization a few months back and PNC did promise to look into it. I also received a personal letter from XXXX XXXX, Executive Client Relations, AVP who said I can call her anytime Monday through Friday XXXX to have her help me if the problem persists. 
I tried again on XXXX/2017 to redeem my rewards via their website, and the problem is exactly the same. Same error message. No changes. 
So I called XXXX XXXX. She did not return my call. The problem is not resolved. 
Please make them fix this simple website problem. It is not brain surgery.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-10-02
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I did not get the {$300.00} bonus after fulfilling offer terms. I did not have a checking account 12 months prior to account opening. But I did not get bonus with reason that I had an account 3-4 years back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: Conn's, 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 bought a Tv last XXXX and used there in house Yes Conns financing. I made multiple payments every month and never missed one payment. I paid the Tv off early and when I looked at my credit score they reported I never made any payments and I have been late on my payments for over 9 months now harshly effecting my credit score. I called them and they said they would be in touch but never called me back or tried to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: Experian Information Solutions Inc.
State: VA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I applied to XXXX XXXX for their XXXX  XXXX XXXX XXXX. 
I received a reply from XXXX XXXX XXXX, XXXX XXXX, XXXX, DEXXXX " We have reviewed your application and dtermined that we are unable to approve you for a XXXX XXXX XXXX  credit card account for the following reason ( s ) : - Too few accounts with sufficient satisfactory performance " and, a later paragraph - " We also attempted to obtain your credit score from this consumer reporting agency for use in making our credit decision ''. and a later paragraph " Your credit score was not available because the consumer reporting agency may not have had enough information about your credit history to calculate a score. '' I have very little or zero credit history because I have hardly ever ( maybe never ) needed credit in the USA. I have lived most of my life abroad, and am a Permanent Resident of the USA. I am a citizen of excellent standing, no debts, no arrests, no criminal. I have accounts and debit cards at the XXXX XXXX XXXX, own my own company, make a good living, pay immediately for what I consume. 
Does this mean I must be penalized like a common criminal and not be allowed to hols an XXXX XXXX credit card? I need the credit card for my business as I travel constantly on 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 explanation
Consumer complaint received 2019-11-06
Company: Firstsource Business Process Services, LLC
State: MA
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:
So this what happened, I was told that if I was to pay the balance in the account it will be deleted from my credit report but it didn't happen. I attached files to prove my identity and what has transpired.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I went to look at my credit because I need to start helping my mom pay for your medications. I went to the bank and they denied me and stated I have too much debt. So I went back to look at my credit throughly and saw some things on there I dont know where they came from. I was told you all can help me. Im doing this on my own and would like for all the remove these items. I reached out to you all about two weeks ago and havent heard anything. Please have the credit bureaus to take these accounts off my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2019-09-23
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
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:
Onemain and One main financial changed. When they changed, they reported twice to XXXX. 
One main financial eventually deleted from my report, however, Onemain reaged my account that now shows 1st delinquency in XX/XX/XXXX. The first delinquency was XX/XX/XXXX and no more payment were ever made. It is now over seven yrs since I quit paying, yet Onemain refuses to accommodate. 
I have attached a copy of my report from both companies showing that one main changed my acct number and reaged the debt. 
I have made numerous attempts to get one main to delete the account with no success, including filing 2 disputes directly with XXXX, contact by mail, and fax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: EQUIFAX, INC.
State: TN
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 was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. XXXX XXXX XXXX XXXX Account Number : XXXX ( XXXX ),  XXXX XXXX XXXX Account Number : XXXX ( XXXX, Equifax, XXXX   ), XXXX  XXXX XXXX XXXX /XXXX XXXX XXXX TN Account Number : XXXX ( XXXX  , Equifax , XXXX ), XXXX  Account Number : XXXX ( XXXX , XXXX ), XXXX XXXX XXXX XXXX Account Number : XXXX ( XXXX , Equifax , XXXX ), XXXX XXXX Account Number : XXXX ( Equifax ), XXXX XXXX XXXX Account Number : XXXX ( XXXX , Equifax ), XXXX XXXX XXXX XXXX Account Number : XXXX ( XXXX , Equifax , XXXX XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2023 I received a check in the amount of {$2500.00} from the California state Controllers Office, which I received as I was a recipient of the XXXX XXXX education and training grant program. I deposited that check via the Bank of America app the same day on XX/XX/2023. XXXX XX/XX/XXXX I was notified that there will be a hold on the deposited check and the hold would be released and funds available on XX/XX/2023. On XX/XX/XXXX Bank of America sent me a letter that explain that they decided to close my account, which was because of suspicious activity related to the {$2500.00} check deposit. They claim that the check was invalid, and that I committed fraud. Bank of America finalized my account closure on XX/XX/2023. My balance is over {$2200.00} but Bank of America is claiming that the {$2500.00} check was deemed invalid and fraudulent, and therefore Bank of America will not be giving me the rest of my funds in my account. I contacted the California state controllers office, and they verified to me that the check was indeed cashed. The check is legitimate, and I have provided many alternatives to verify the check including providing documentation of me being awarded, physical copy of the check, the California State Controllers Office ( which is the agency that issued me the check ) to no avail of resolving the problem. Bank of America is illegally withholding, my money, and I demand that my money be given to me immediately.

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 2023-03-28
Company: Financial Accounts Service Team Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Financial services team has placed a collections on my credit report. The debt is not owed! It is false and fraudulent. 
I have attempted 2 times to have it remove from my credit report. The account is coming from XXXX XXXX XXXX. They are a very dishonest company with many negative reviews.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: Westlake Services, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I've been receiving correspondence from Westlake Portfolio Management demanding repayment on a loan. 
This loan was discharged through a bankruptcy court XXXX of 2021 of this year. I've made several calls advising them of this but they continue with harassing letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
There is a freeze on my credit report for all five credit bureaus that need to be removed immediately the following bureaus are listed : XXXX, XXXX XXXX, XXXX, XXXX, and Experian

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 2021-11-02
Company: Freedom Mortgage Company
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We entered into a forbearance program in XXXX of XXXX ( it is now XX/XX/XXXX ) due to diminished income due to COVID-19. We have stayed in CONSTANT contact with Freedom Mortgage. We started telling them we were ready to come out of Forbearance in XXXX of XXXX and exploring which option was best for our situation and we chose to do a Loan Modification. Since XXXX we have had 3 Loan Modification approvals issued and still zero modification paperwork from them. We call multiple times a month and but usually multiple times a week to check the status of the Modification documents. Each and every time we are told a difference version of why we still haven't received them months and months later. We have made a few payments during this process as well because every time we call it's different ; one person will tell us we have to make a payment on xxx date because per the current modification approval it states when the payment is due. So, we make that payment and still hear nothing back from them. We have even had multiple customer service representatives refuse to take payments because it would " mess up the modification approval calculations '' So, we call again and are given yet another date as the first payment date on yet another modification approval. This has hurt our credit terribly because the credit bureaus see the mortgage balance going up every month ( Freedom is reporting the balance every month but " no information '' in the payment history ). This has taken our FICO scores from the 750 's to the low 500 's. We were guaranteed over and over and over again in XXXX of XXXX that choosing the Forbearance option during the pandemic would in no way at all hurt our credit. It definitely has. Like I have stated we have done everything in our power to get back on track and make payments they are on their end aren't doing what they promised. This COVID-19 Relief plan has done nothing but hurt us instead of help us as it was supposed to be designed to do. We desperately need help getting this resolved. We have done everything possible on our part.

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 2023-04-04
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit profile on XX/XX/XXXX. I identified discrepancy with account listed COMENITY CAPITAL BANK/THE and validation was requested as this was an account that I did not recognize. I reviewed my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent on this day. After reviewing credit report again on XX/XX/XXXX there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.

Company response to consumer: Closed with explanation