BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-05
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021 Experian received my certified letter regarding account # XXXX that XXXX XXXX XXXX XXXX is reporting on my credit report # XXXX. I disputed the account and asked for Experian to please verify this account and supply their methods of verification. On XX/XX/2021 Experian alerted me the dispute results were ready and that they had verified the account. 

It is stated on the Experian website that disputes take 30-45 days to fully complete the dispute process. The FCRA also says that the dispute process should take 30-45 days when properly conducted. How is it possible that Experian somehow was able to conduct a proper dispute in 7 days? Experian also failed to provide how they verified the account and the documents to support their findings.

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 2022-09-12
Company: Paypal Holdings, Inc
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I created a PayPal account, it became restricted, called in, and was told by them to open a new account. I did so and that one became restricted as well as opening new accounts violates their terms of use. Now, months later I have gotten the original account unsuspended by providing legal documents such as my government drivers license, Social Security Card, and bank statements that proved proof of residency. I called in, had the documents reviewed and got the ban lifted as they saw the documents were authentic. However, that same day my account was under review again and again they asked for my I.D., proof of residency, AND passport. I do not have a passport so I called in again and got transferred to a ver batum " higher up '' where the associate explained that even she does not know why that information was being requested again as in my account she could see that my I.D . and such were approved and that my passport should not be asked for. The problem here was that I do not have a passport. She said that would not be a problem however, and just asked that I provided my I.D . and bank statement once more, and that my account would be put on a priority list to check as she already knew I was clear it seemed. 3 days later I get the notice that I am again permanently banned from PayPal, and when I called in yesterday ( XX/XX/2022 ), I was told that my account has been labeled for " null appeal '' because they found another PayPal account with my credentials, the same account I was TOLD to create by a PayPal associate about a year ago. So now, because an associate of their own company gave me direct action to violate their terms of use, which are not readily available on their site, I am no longer to use their service permanently it seems.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX 2021 My business cheking account had been hacked and someone illegally withdraw {$4100.00}. I have contacted my bank ( Bank of America ) and filed a claim. Unfortunately they denied my claim

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 2017-06-14
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
XXXX   XXXX  passed away  XXXX   XXXX   XXXX . We have tried to close this account several times but  FNB Financial Services LLC.  refuses to let us close this account because we do not have a short certificate.  XXXX   XXXX   (  my mother ) had a will but it was not registered. My dad is now  XXXX   XXXX   XXXX  and this the last item he wants to handle before he passes away. My dad tried to list t he Interest  from these  XXXX  accounts on his  XXXX  Tax return but  XXXX  &  XXXX   XXXX  would not allow this and informed him by Pa law they are required to give him this money. I called FNB again on my dad 's behalf but they still insist they need a short certificate. Please help me clear up this matter.   Sincerely,  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020, I closed on a refinance of my existing mortgage. The previous mortgage company is PHH Mortgage Services, XXXX. XXXX XXXX, XXXX. XXXX, NJ XXXX. On or around XX/XX/2020, I received a check from PHH for the escrow balance of {$2200.00}. When I tried to deposit the check in my account, the teller told me I couldn't because my deceased husband 's name was included with mine in the 'Pay to the Order of ' section. I contacted PHH and followed their instructions for getting a check for deposit that had only my name on it. On XXXX XXXX, I sent the Research Department a death certificate and an explanation of the problem as per their instructions. On XX/XX/XXXX I received a letter from PHH saying they received my request and had updated my loan information. A letter dated XX/XX/XXXX from PHH arrived stating again that they removed XXXX 's name and that they issued a check on the XXXX. A check arrived dated the XXXX which still had XXXX 's name on it so I could not deposit it. I called PHH right away and explained the situation. From mid XXXX until now I have talked to PHH representatives at least a dozen times and am always told that all they can do is enter in my comments and their request for a check to be issued to me in my name only. The support people say that neither they or I can contact the Research Department directly. My demands for resolution were placed in the hands of a " escalation team ' member who calls me weekly to tell that the issue is under review. Her number is XXXX ext XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 am filing this complaint due to the fact that I have made several attempts to get this error fixed on my credit report. I started disputing this particular account on XX/XX/21. Following that letter, I also sent another letter on XX/XX/21, XX/XX/21, XX/XX/21, XXXX XX/XX/21. I have been requesting that this erroneous information is removed from my account due to the fact that the account is stating that it is open and it is a collection account which is factually incorrect. A collection by default is already a closed account and it should not be reporting this way. I have the right to a complete and accurate credit report and it is clear that the way that this account is reporting is a direct violation of the FCRA. At this point I feel like I am being ignored. This error is highly detrimental to 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 2022-04-01
Company: Experian Information Solutions 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:
I am victim of identity theft there are items on my credit report that I need to get deleted so I can move on with my life.

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 2017-06-14
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On  XXXX   XXXX    XXXX   I received an updated escrow review from my company LoanCare. They increased my escrow requirement to {$670.00} from {$510.00} per month. This was caused by an incorrect calculation by their escrow department in assessing my property taxes for the year ( They computed them as {$7500.00} when they are actually approx {$5400.00}, information they have had since  XXXX    XXXX   when I sent them actual tax bills ) I called in within a few days to explain their miscalculation and was told it would be taken care of wi thin 15 bu siness days, as they would do another review. I then waited and called in for a status on  XXXX   XXXX . They stated they were unable to do a review because they did n't kno w what my taxes were. I did the leg work and contacted my county tax office and was told my taxes were the same as my last billed one. I the n resent in my tax bill and description of wha t the county tax  office had told me on  XXXX   XXXX , where I wa s again told 15 business days were necessary. I have attempted an update via phone or email with LoanCare after the 15 business days had  passed (  XXXX   XXXX  ) and have not gotten any response as to the escrow issue being fixed or even an update on progress. As such, I had to pay the extra incorrectly assessed escrow account on  XXXX   XXXX  for my monthly mortgage. Additionally, they seem to be ignoring my queries and continuing to keep my escrow at the incorrect level to force me to send them more money then is necessary, upon a mistake they made.

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 2021-10-28
Company: EQUIFAX, INC.
State: WI
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:
Unauthorized Inquiries that I didn't authorize and asked Equifax to delete per FCRA 605b. Equifax refuses to comply with FCRA guidelines and delete inquiries in question which are : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX FTC Report filed # XXXX. 

Furthermore despite going through Equifax Portal report # XXXX Equifax is violating my consumer rights by refusing to delete an inaccurate address and refuses to remove fraud alert as well as a personal statement that I did not ask for or authorize. I am unable to get anyone on the phone either. I've sent numerous letters with proper ID verification as proof of who I am. Equifax refuses to comply with regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Franklin Collection Service, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: PNC Bank N.A.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have a credit inquiry on my credit report from PNC bank that is not me. Someone used my SSN # to try to open an account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I got behind and tried to do a modification. The doubled my house payment and are not applying any of the payment to principle. Taking their " fees '' off the top. Tried to do a short sale. They said that would take 30 days and they would " think about it ''. Have repeatedly been told by the company I should just let it go back, in other words foreclosure. I had a guy willing to buy for  XXXX  less than owed and they rejected. House needs lot of work. They have been impossible to deal with and Im going to be homeless because I cant pay double payments. I feel like they have oushed me into foreclosure, and the worst part is they act like they have done me a favor. Its a shame. Im not working right now and struggling just to hold on. I am currently caught up on their sorry modification plan, but it still shows like Im behind with all the credit reporting companies because they arent reporting it as paid. So any hope I might have of getting another place will be hindered by this. I have been told the second I miss a payment legal proceedings will be started.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dear CFPB, I would like to investigate the account listed below as if is not reporting correctly on my credit report XXXX XXXX XXXX I am feed up with the 3 credit bureaus XXXX XXXX Experian, and XXXX for not responding and rectifying my problem in a timely manner and not following the laws and rules that they agree to. I sent out letters to them on XX/XX/2022 and XX/XX/2022 and still haven't had anything done these accounts showing on my credit report is not correct. I'm asking your company to handle this matter and get these credit bureaus to correct these inaccurate accounts. From my understanding this law FCRA623 ( a ) ( 8 )

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 2022-09-12
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 this isn't 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 n 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 us 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 im XXXX now.with no help.

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 2022-09-12
Company: EQUIFAX, 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 this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us 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 XXXX. 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 XXXX more than 21 times. XXXX 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 im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: SYNCHRONY FINANCIAL
State: WV
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Midland Credit Collections,  contacted me at my direct line at my place of employment. They have called several times so far, when I answer I tell them that they are not allowed to contact me at work, this my business line. I work in a call center environment and can not be on the phone for personal reasons. The debt collector advised that since I answered the phone I should resolve the issues now. I have told them several times not to call me at this number. I do n't know how they even got the phone number as I have never provided it to them.

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 2022-04-01
Company: Early Warning Services, LLC
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2022, I sent funds from my XXXX  Account to my XXXX XXXX account in the amount of {$180.00} through Zelle, which wasnt the first time I had done so. XXXX XXXX sent me an email stating that they were unable to deposit the funds and that they were returning them. By XX/XX/2022, I contacted Zelle via email to check the status, because my money hadnt been returned yet. I got an automatic email response with a case number that said that I would get a response in two business days, which I did not. Just before the close of the second business day, I reached out to Zelle via phone on XX/XX/2022, since I had not gotten a response as they stated I would. I provided the case number to the representative and he told me he was unable to look up the case. So, after I explained what my issue was again, he started another case for me. He indicated that he wasnt able to see what happened to the funds and that he needed to send it to the research department to investigate. There has been no further details provided since the case was opened. I called Zelle again today and the representative wasnt able to provide any details. My problem is my initial contact with Zelle was XX/XX/2022 and its now XX/XX/2022, yet no one can tell me anything. Im beginning to feel like Zelle ripped me off. I need my money back as soon as possible, so I would like some answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
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:
Recently XXXX XXXX XXXX XXXX, unauthorized, pull a credit pull on my account. They used Trans Union and XXXX, XXXX. The information that was sent to me appears to be incorrect, compared to XXXX and XXXX ( credit score and other information ) is incorrect. The file credit pulls occurred on XX/XX/2022. 

Trans Union 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 explanation
Consumer complaint received 2020-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Inquiry information is incorrect. The only inquiries that belong there are from XXXX  XXXX XXXX and 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 2021-10-28
Company: EQUIFAX, INC.
State: NV
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation