BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-21
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: Old information reappears or never goes away

Complaint:
My credit reported score is completely different than what I see when I login directly to the credit agencies. I don't understand how my scores appear so differently to lenders then they do when I login into the credit reporting agencies directly. For example, my Experian score shows XXXX, but the XXXX XXXX XXXX received a score of XXXX from Experian. How can that be? I have contacted the credit agencies to state that information is being distributed incorrectly but I have yet to get results of disputes. It has been more than 30 days. 

As a result of the information provided to XXXX XXXX and XXXX XXXX XXXX I was denied a mortgage of which I clearly qualified for prior to the report they received.

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 2019-06-21
Company: Comerica
State: CT
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Well I went over all my financial transactions for the month of XXXX. After I calculated all my financial transactions for XXXX there was {$100.00} unaccounted for. My mother called direct express the makers of the debit card, after my mom spoke to direct express customer service. They gave my mom all the transactions for the month of XXXX. My mother added all the financial transactions for the month of XXXX and she told me that there was {$100.00} missing. So she's been trying to call direct express customer service back about this, but she can't get through, because direct express customer service doesn't answer her calls or mine. They have a voice message saying that they are overwhelmed by all the phone calls. This is the situation I find myself in today. It's my money that's missing, even though the debit card has my mom 's name on it. I receive my social security XXXX benefits on the debit card each month. So far direct express hasn't returned or refunded the {$100.00} back on the debit card. We can't ask why because we can not get through to find out what happened to the money. Remember the transactions still leaves {$100.00} left missing out of my account..after all them have been accounted for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
It was reported on my credit reports that I was late 60-90 days late on my student loan # XXXX with XXXX XXXX XXXX XXXX XXXX XXXX. I applied for a forbearance due to XXXX and out of work for 3 months which was approved by XXXX until XXXX of XXXX. I sent XXXX an inquiry as to why they reported to the credit bureaus that I was late and they sent me a letter stating that they did not report any late payments to the credit bureaus. I demand this account be removed from all XXXX of my credit reports

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 2019-10-09
Company: PENTAGON FEDERAL CREDIT UNION
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:
On XX/XX/2019, I filed a dispute with XXXX, regarding several accounts that had been opened, fraudulently, in my name. They deleted a few, but, left two ( 2 ) remaining. I also filed a complaint, with the FTC, about these accounts, and, had a Fraud Alert put on all three Credit Reporting Agencies. As of this date, XX/XX/2019, XXXX has failed to remove these fraudulent accounts/inquiries. The companies that hold these accounts were notified, and, have rectified the situation internally ; I no longer appear as an account holder on their records, however, XXXX has not removed them from my Credit File, nor, have they responded to my inquiries. The following two ( 2 ) accounts are in question, and, only appear on my XXXX report : Pentagon FCU # 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 explanation
Consumer complaint received 2019-04-19
Company: Phoenix Financial Services LLC
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/19 Phoenix Financial Services placed a collection on my XXXX credit report for {$1300.00}. This debt was previously expunged from my credit report ( XX/XX/19 ) due to another collection agency verifying the debt had been paid and the charge was fraudulent. I tried to call the number listed on my report and was hung up on by the rep

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IN
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:
I applied for a loan on XXXX/XXXX/XXXX with One Main Financial. They performed a hard inquire that day.Then they performed another hard inquire on XXXX/XXXX/XXXX. This should not have occurred since they did it the day before. The hard inquire is showing up on my credit as hard inquire.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
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: Information belongs to someone else

Complaint:
I want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any items listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX  XXXX bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$690.00}, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00}, XXXX XXXX ( Original Creditor : XXXX BANK ) XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Balance XXXX {$4000.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$970.00}, XXXX XXXX Balance : {$12000.00}, XXXX XXXX BANK XXXX Balance : {$780.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}XXXX XXXX XXXXXX/XX/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 2019-04-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was looking at my credit report and noticed several accounts that doesn't belong to me. Please remove them. They are messing up my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-12
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: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2017-12-28
Company: Receivables Performance Management, LLC
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:
In XXXX XXXX, I contacted XXXX XXXX XXXX XXXX concerning a new bill I received, even though I no longer had an account with the company. 

I had transferred my account to my now ex-wife and she was legally responsible for the account as part of a divorce proceeding. She was the only person that actually had telephone service through XXXX XXXX XXXX. 

I was advised that when the transfer was accomplished, there were two telephone numbers transferred to her, but she refused one of the numbers. XXXX XXXX XXXX representatives advised me that I was responsible for paying for the number that remained. 

Prior to this transfer, the number in question was simply a " placeholder '' number with no device, calling plan, nor data plan. The fee to keep the number assigned to the account was XXXX per month. However, after this transfer, XXXX XXXX XXXX began charging me XXXX per month for the same number, without notifying me of any change. I had no means to access any service on this line whatsoever. 

I disagreed that I owed more than XXXX for something I could not actually use in anyway. XXXX XXXX XXXX elevated that call to a supervisor, who completed a protest for forwarding up the approval chain. I never heard anything else from XXXX XXXX XXXX. 

In approximately XXXX XXXX, I noticed a new collection account on my credit report. XXXX XXXX XXXX had turned this account over for collection and this is hurting 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 2022-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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 2019-06-21
Company: SYNCHRONY FINANCIAL
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 status incorrect

Complaint:
My name is XXXX XXXX and my social is XXXX. I have a pep boys account serviced by synchrony bank. I paid my bill on time last month. There was a fraud issue that happened with my bank account 5 days later after I paid my bill and my bank shut my account down. Pep boys then told me they didnt recieve the payment and reported me late. I spoke to customer service about the issue and they waived the late fee but are taking me in circles about reporting my account paid on time. I do not understand this because the person i spoke to didnt know why it took them 5 days to take a payment from my account and they would work on seeing to get my credit profile updated which never happened. I would just like my credit to be fixed. This has caused my score to drop 10 points when I made my payment on time.

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 2019-06-21
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My complaint is for The XXXX XXXX XXXXXXXX XXXX in XXXX KY. About a year ago I was sent there to have a medical procedure for a missed XXXX. They did not submit my claim to my insurance. They didn't send me a single bill, basically I have been waiting and told things like it can take six months for the claim to go through and they have a year to bill you. I'm still waiting on my bill about about 1yr and 1 wk after the procedure. I check my credit every couple of months and see a new collection account for {$6500.00} and that is what it was for. They never sent the claim to my insurance because that is well above what my yearly out of pocket maximum would cost. I called the billing Dept at the hospital and asked about it and they told me they can't do anything about it because of the time frame. I called the collection agency they sent it to, they picked a random address off of my credit report I guess and told me I had the wrong address on file, I have kept my address current and updated it with the hospital and everything the day XXXX had to go. I had not lived at that address in 5 years and never when I used this hospital. They are trying to tell me it's my fault because of having an old address with them, which I have never had an account with that particular collection agency either. I have used this hospital 2 times in my life and they didn't send a bill either time, just straight to collections right around the time when they won't let me fight it anymore and when it's too late to negotiate a payment plan. The first time I found out they finally sent a bill straight to collections, I found out when they froze my bank account, this time, I check my credit regularly now because I don't trust them and found it that way with nothing about it from XXXX hospital or the collection agency through the mail or otherwise yet.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
On numerous occasions, I have tried to connect my online savings account from XXXX and connect it with my long established PNC checking account. PNC denies access every time and XXXX has tried working with PNC and yet they still refuse access. I cant have my savings transferred to my checking in times of need, nor does it allow me to make regular deposits from my PNC checking account to my high interest XXXX  savings account. PNC offers no savings accounts with the amount of interest I get from XXXX XXXX, the only way to deposit money into this account is virtually, which makes it impossible for me to do if PNC wont grant access to connect the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: Opportunity Financial, LLC
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I was in court and a judgement was entered in the amount of {$1800.00} with payment to be sent to XXXX XXXX ( OPP Loans collections attorney ). Payments were to be {$150.00} per month. On XX/XX/XXXX, a cashiers check # XXXX in the amount of {$1800.00} was certified mailed to them using USPS - tracking number XXXX. I had called in XX/XX/XXXX to ensure the payment was posted. It had not been. On XX/XX/XXXX I received a release of judgement from XXXX XXXX. Upon reviewing my credit reports, I see that as of XX/XX/XXXX, OPP Loan still is reporting to the credit bureaus that I am making late payments and delinquent on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: Adler Wallach & Associates, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Theres a collection on my credit report, the balance was paid in full by me to XXXX  office and was an insurance mistake, Im requesting this derogatory mark to be deleted asap because it wasn't my fault. I got a copy of receipt of the amount that was paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-19
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was serviced and modified by Rushmore in early XXXX. Prior to that from XXXX-XXXX, Rushmore force placed a hazard, flood, flood-gap insurance policy claiming that the condo master insurance policy I submitted was insufficient. The insurance premiums were excessive and amount of coverage was excessive. My loan was transferred to XXXX XXXX  last month and they informed me that was policy was not mandated by my loan provider and was improperly assessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
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:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2019 I deposited my paycheck through the Bank of America mobile app to my checking account. At the time of deposit, I was informed the check would be made available the next day. However, when checking my account for funds on XX/XX/XXXX, I learned that a deposit hold had been placed on my account and funds would be made available on XX/XX/XXXX. 

On XX/XX/XXXX I contacted numerous Customer Service Representatives at Bank of America who were completely and totally uncooperative. They said that, even though I was promised availability of funds the next day, there was nothing they could do. Further, they were unwilling to involve anyone else who may have the ability to review the deposit and make funds available. 

My paycheck is drawn on an account managed by XXXX, a payroll processing company, on a local bank. There is absolutely no reason to hold an individuals paycheck for that long, as this is 2019 and payments are processed electronically through the clearinghouse. Further, funds can be verified by simply calling the issuing bank and verifying funds.

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 2021-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Transunion decreased my credit score by 57 points after I notified them that they still had a balance on a account I had paid off about two months ago. Instead of increasing my crefit score they decrease 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