BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
On XX/XX/2016 I received a letter from this auto lending company XXXX XXXX and when I spoke with them via phone they explained that they would remove this transaction from my credit report that shows 3 times over thirty days late I am attaching a letter that shows that this matter was settled these transactions should have been removed from all three XXXX XXXX XXXX XXXX Experian and Transunion because they agreed to remove these transactions they are now along with Transunion XXXX and XXXX in violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There's XXXX XXXX XXXX XXXX credit card on my account that were paid and closed on XXXX. However XXXX XXXX XXXX kept the credit cards open until XXXX, and XX/XX/XXXX to accumulate more fees despite the cards to my knowledge been closed on XXXX. Now the cards is showing on my credit report as both late and charge off on XXXX and XX/XX/XXXX when this information is not accurate because the account was paid and closed on XXXX and XX/XX/XXXX. 
I need the XXXX XXXX  XXXX account to report the accurate closed date on my XXXX and Transunion credit report and to show as paid and closed because they where paid and closed on XXXX and XX/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 2022-07-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions

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 2017-09-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX has intentionally reported an inaccurate charge off on my credit report even after I 've provided them with proof my car payments were deferred. On XX/XX/XXXX, my car was declared a total loss due to the flooding in XXXX, TX which was declared a natural disaster. I 've even continued to make my monthly payment until I noticed the online portal displayed my next payment was n't due until XX/XX/XXXX.I took it a step further and decided to contact XXXX to confirm this was correct. The rep reassured me that this was correct and not to worry about payments until XX/XX/XXXX. This is because my insurance company paid off XXXX but I was left with a remaining balance of about $ 4k since I did n't have GAP coverage. I take full accountability for the amount owed! 
Months later, in XX/XX/XXXX, I started receiving calls that I needed to start making monthly payments immediately. I advised the rep that my payment were deferred and they stated that I was originally given the wrong information. I informed XXXX that I 've taken on another car loan and could n't afford to pay on it at the moment but will pay what I can since my payment were technically deferred. No one from XXXX has wanted to take accountability and accommodate me with what I was originally told. I 've even provided XXXX proof of the information displayed on their website at the time and asked them to pull the calls. XXXX has done nothing but advised me to contact the credit bureau to have the charge off removed. I 've last spoke with XXXX from XXXX on XX/XX/XXXX at XXXX. Her contact number is XXXX Ext:XXXX. We were trying to come to a payment agreement but unfortunately, I could n't afford to pay the large lump sum payment she requested. However, I did pay {$94.00} towards the balance. Even in this conversation, she told me to contact the credit bureaus to have them remove the charge off because nothing can be done on her end. Prior to contacting XXXX, I 've already submitted multiple disputes online. I 've even sent letters to each credit bureau via certified mail on XX/XX/XXXX and they continue to leave the same remarks " Charge off, customer disputes after resolution, meets FCRA requirements. '' I 'm convinced the credit bureaus has n't even investigated this matter because the information is still being report inaccurately although I 've presented the credit bureaus and XXXX with the burden of proof to justify my claim. Its sad because I was a loyal customer with XXXX and never missed a payment before my car was totaled. Once this remaining balance is paid off, I will never use XXXX and will likely spread the word of how this company operates unethically.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-17
Company: Experian Information Solutions Inc.
State: TN
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 received a copy of my credit report and have some hard inquiries on my report that I do not recognize. 

XXXXXXXX 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 2021-08-29
Company: Kriya Capital, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CREDENCE RESOURCE MANAGEMENT XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX is reporting inaccurate information on my XXXX  file. I have tried to contact both Credence as well as XXXX but have been unsuccessful in my endeavor. My name is XXXX XXXX NOT XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-04
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I made two purchases under {$75.00} and am being charged high interest on old balance plus high finance charges on purchases and current balance XX/XX/2017. I have always been timely with payments and believe interest rate is too high and also finance charge is too high. I asked many times for lower interest rate because I have moved to a state ( Illinois ) where  the cost of living is high and income is lower than when I was given this credit in CA. They refuse to lower interest rate and finance charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im begin taken advantage of and begin ignored if my disputes. Section 611 ( a ). It its plainly stated that a failure to investigate those items within 30 days gives reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly I demand these accounts be deleted immediately or I will file litigation due to the stress you caused me. My information was also impacted by the Equifax XXXX breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The XXXX XXXX that I am being through because of this issue, has taken me to get XXXX  attention. The reason of this letter is that my credit is being extremely affected. I am very surprised and concerned by TRANSWORLD SYSTEMS INCS actions. I need you to take this matter seriously, and send me a response. 

Please read carefully the following violations that your company has committed under the California Credit Reporting Act : 1. TSI has re-aged the account. This has a big impact in my credit score, since account will be on report more than the time allowed by law.

2. FCRA inconsistent reporting.

3. failing to put accurate delinquency date.

4. failure to provide notice of adverse reporting.

5. Negligence.

6. unfair business practices. 

Account number:XXXX Opened : XXXX High Credit : {$700.00} My demand is that you DELETE THE ENTIRE TRADE LINE for this account base on the damages that I have suffered. 

See attached

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XXXX XXXX ( XXXX/XXXX/XXXX ), I initiated a SEPA withdrawal transfer from my wallet on Coinbase with the value of XXXX. I received an automated email saying that the money would arrive in my bank account by XXXX XXXX ( XXXX/XXXX/XXXX ). Today is XXXX XXXX ( XXXX/XXXX/XXXX ) and the money still has n't arrived in my account even though on Coinbase the transfer is said to be completed. I have sent multiple support tickets which have n't been responded to. The dates of the supports tickets which got automated responses are ; XXXX XXXX, XXXX and XXXX. I sent XXXX before those which did n't even get an automated response. For a company that deals with consumers money to not respond is outrageous. I have waited over a month for something that was said to take a few days and am still waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: Fidelity National Information Services, Inc. (FNIS)
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: Problem with personal statement of dispute

Complaint:
I recently moved to another town and went to open bank account and I was refused and they gave me a print out showing me it was because of chexsystems I contacted them and they were no help I go get a loan it was because of chexsystems I didn't even know I had anything to do with chexsystems before I moved I had a credit score of XXXX and when I get to another town it was XXXX I don't understand and can't get any answers and know one wants to help me

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 2017-09-05
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received a letter dated XX/XX/XXXX from PNC where I had two checking accounts asking for {$380.00} that they say was still owed on the business account ending inXX/XX/XXXX, ( see attached ) .. They stated this amount was due and payable at this time. I have real issues with this letter. This started back in XXXX and I have already filed a complaint regarding this onXX/XX/XXXX and they still have not answered yet they feel they can send collection letters. The letter is signed " XXXX '' a Recovery Specialist. XXXX who? Whatever happened to correct letter writing where you would put your full name? The letter has no explanation as to what I owe {$380.00} for. I then went to online banking to see if I could find why this money was owed and was given a screen that says there are no eligible accounts. How convienent for PNC to wipe all this info off their system. ( See attached ) PNC has a way of paying merchants who they want to and who they do n't want to. If the money was not in my account due to a PNC error why would they pay the money out to make my account go negative. I will not be paying any money on this letter. Another class act action on PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: The Bureaus, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not swayed that the Credit Bureaus has investigated this account properly. Their investigation about this account was totally incorrect. The payment history is not showing on this account which make my suspicions accurate and true. Therefore, I have sent out a couple of written complaints to raise this concern but other than the credit report I have, I have never heard any feedback from both the Credit Bureaus and the creditor. Make sure to explain the outcome of your investigation about this account with THE BUREAUS ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$890.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I was hoping to receive some assistance in regards to an online credit card application completed in XX/XX/2022 for the Synchrony XXXX XXXX  through Conn 's XXXXXXXX XXXX. The online prequalification link advised of my approval for a card with a {$3000.00} credit line. upon submitting, I called the appropriate number with the reference number. Please see attached letter showing the system denied due to a " previous application approved ''. I did apply for the same card in XX/XX/2022 and closed it voluntarily during the same month due to the fact that I did not need it for the purchase. Can you please look into the system glitch and have the card processed?

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 2017-09-05
Company: NATIONSTAR MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have had two problems with the mortgage since I refinanced. First shortly after I refinanced they raised the cost per month to {$1500.00} a month with the option to be {$1500.00} a month if I sent {$24.00} in. I did send the {$24.00} in but never got the cost lowered or even credit for the {$24.00}. This " escrow shortage '' of {$24.00} I sent in on XX/XX/2016. I called a couple of times without getting results on this. Then I talked to a manager who acknowledged the error and said she would rectify it. She never rectified it and would n't answer the phone or return phone calls after that time. 

My second complaint is that the mortgage company, now called " Mr. Cooper '' has decided my monthly payment needs to be raised again to  " cushion my escrow for any increase in taxes and insurance and has raised my monthly payment by {$93.00}. This outrageous as my initial payment was under {$1500.00} and now is will over {$1600.00}. 

They claim my county tax has gone up {$1500.00}, town tax {$310.00} and my Hazard {$760.00} per year. Those are all pretty hefty sums out of the blue with no notice from those making the purported increase. 

My mortgage will now be {$1100.00} more a year. I 'm having a hard time believing that the taxes and insurance shot this high all of a sudden. Have not heard anything from the insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
Company: CITIZENS FINANCIAL GROUP, INC.
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 cash advances

Complaint:
I HAVE TO US ADDRESS, BUT ONLY USED MY MOTHER 'S ADDRESS AT A TIME WHEN CITIZENS BANK WOULD NOT ALLOW ME A FOREIGN ONE. THEY ALSO TOLD ME I HAD NOT BEEN BORN IN PENNSYLVANIA, THOUGH I WAS. THIS IS KAFKAESQUE. FINALLY, THEY SUGGESTED I LOOK FOR ANOTHER BANK. SO ... NOW I FINALLY HAVE A CARD THAT DOES N'T WORK, AND THE BANK WO N'T SEND ME THE PIN. IN SIX MONTHS, IF I DO N'T USE IT, IT WILL AUTOMATICALLY BE CANCELLED. IS THERE SOME LONE RANGER, MASKED AVENGER, OR OTHER, THAT CAN EXTRACT ME FROM THIS  NIGHTMARE? I HAVE BEGUN LOOKING FOR ANOTHER BANK, AND I 'M CONSIDERING HAVING MY RETIREMENT INCOME DEPOSITED AUTOMATICALLY IN MY XXXX ACCOUNT OF 12 YEARS, BUT THERE ARE BUROCRATIC PROBLEMS. HELP ME GET THE PIN!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL
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: Problem with personal statement of dispute

Complaint:
I have had a loan from HSBC. 

The monthly payment has been through Direct Debit for the past 13 years. 

HSBC made me a change of terms offer which was ambitious at best. Without replying to my questions, it stopped the Direct Debit and then reported me as late, ruining my credit. My credit score fell by 250 points as a result. I can no longer borrow. 

HSBC is saying it has taken steps to fix it but I can not trust HSBC ; I think that the problem is systematic

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
The credit bureau stated that my account was properly investigated but how is that possible if the following items are all inaccurate : the high balance amount date of last activity date reported date opened date closed creditor type account status payment status last payment term length the creditor remarks are also inaacurate This is grounds for removal. They also violated my rights under 15 U.S.C. 1681 section 602 A which states that I have the right to privacy. 

15 U.S.C. 1681 section 604 A Section 2 also states that a consumer reporting agency can not furnish a account without my written instructions.

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 2022-07-17
Company: EQUIFAX, INC.
State: TX
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 pulled my credit report and found a number of hard inquiries that I do not recognized. I called the companies as well as file a fraud account as well as freeze my account to avoid future inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
Company: Ditech Financial LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My spouse and I have had to have you intervene on several occasions concerning our home mortgage in the hands of Ditech Financial, LLC, and their incorrect reports of us not paying our mortgage payments, charging us copious late fees, threatening foreclosure on our home, reporting this incorrect information to the credit bureaus causing damage to our credit, etc. This company continues to remove all of the incorrect information when you get involved, only to turn around and do the exact same thing within 3-4 months. They are now claiming that we 're 3 months in arrears, claiming we did n't pay in XXXX of XXXX, XXXX of XXXX and XXXX of XXXX, which we have cashed checks from the bank to prove otherwise. And the continued late fees they continue to add onto our account is insane when you consider this is their accounting error. 
Not only have we made every single payment ( as our complaints before ), but we 've paid every single payment early. At this point, they are also trying to get more money from us by sending us letters regarding our escrow balance being too low, which is incorrect as well. We 've had this problem with Ditech going back to XXXX of XXXX, where they applied our XXXX ( XX/XX/XXXX) and XXXX ( XX/XX/XXXX) payments both to the month of XXXX ( XX/XX/XXXX ), as they admitted on many occasions. This became an issue when Greentree sold/merged with Ditech and we are simply sick to our stomachs having to continually deal with their fraudulent reporting/record keeping. This has caused medical conditions to flare up, costing us more and more money as well. 
We believe Ditech needs to be shut down, we 've read the countless complaints others have posted, including losing their homes to this company from their fraudulent practices. Enough is enough and something NEEDS to be done. We can not even refinance through another lender because of these problems!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation