BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-19
Company: CITIBANK, N.A.
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
My balloon mortgage became due XXXX 2016, tripling my payment. My payment went from {$270.00} per month to {$910.00} per month. I contacted CitiMortgage 5-months ago to work out a loan mortification. They strung me along for 5-months until I became three months behind in my payment and then the declined my modification for no reason.

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 2022-08-17
Company: EQUIFAX, 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: Account status incorrect

Complaint:
CFPB, XXXX, XXXX, Equifax, This is a brand new complaint as I just received a brand new letter on XX/XX/2022 from XXXX XXXX XXXX XXXX XXXX XXXX XXXX - CFPB complaint # XXXX As per the letter attached to this CFPB complaint by XXXX XXXX XXXX XXXX XXXX XXXX ) please remove the below collection account from my credit reports immediately : Creditor : XXXX XXXX XXXX XXXX XXXX 
Account # : XXXX Attached to this complaint are : - My drivers license - My social security card - My current address - My letter to have this removed - The letter from the creditor, XXXX XXXX XXXX XXXX Please have this handled as soon as possible as this is affecting my credit and I am buying a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: PNC Bank N.A.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
Trying to link my primary checking account with the financial following mobile/online applications : - XXXX - XXXX - XXXX PNC Bank is not authorizing these apps to be linked since Ive changed my password on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
The item is not mine. Company has n't deleted item after I provided proof.

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 2016-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed this negative entry on my transunion credit report twice. It does not belong to me. I am pretty sure it belonged to my father whose name was also XXXX XXXX. He is deceased so I ca n't verify with him. XXXX removed it because they verified it was n't valid, however Transunion will not. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Last Reported XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor XXXX XXXX Status Open Opened Date XXXX XXXX, XXXX Closed Date -- XXXX XXXX XXXX {$730.00} High Balance {$730.00} Remarks Account information disputed by consumer, meets FCRA requirements

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 2020-08-05
Company: EQUIFAX, INC.
State: AL
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 received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXXXXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX {$1100.00} XXXX XXXXXXXX {$400.00} XXXX XXXX XXXX {$1400.00} XXXX XXXXXXXX {$5000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: PENNYMAC LOAN SERVICES, LLC.
State: SC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I submitted a debt disclosure statement to PennyMac in reference to validate a loan. They responded back with not validating the debt per the Truth in Lending Act at 1-5 U.S.C. 1601-1667f and 15 USC 1692 et seq.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02
Company: DISCOVER BANK
State: GA
Product: Credit card
Issue: Billing disputes

Complaint:
I contacted " XXXX '' for pest control services for mites that are in my house. For about 3-4 years I have had problems with these insects and used various pest control companies. to apply chemical application, which did not rid the house of this pest. Tech from " XXXX '' came by and performed inspection and sold me the idea of " Thermal Heating '' a service that was " Guaranteed '' to kill all nuisance ( mites ) insects in the entire house.. The price for this service was expensive, but for the results guaranteed, I was willing to spend the money required : {$1000.00}. Note : This insect has caused me and others ( validated by medical records and individuals that have visited my home ) health problems and over the years had to stay in hotels at various times to regain my health to go back to my home. In paying for this transaction, I used my DISCOVER card to pay for this service. In retrospect the " Thermal Heating '' did not work, resulting in me going to hospital for XXXX and hotel stay. Contacted the company " XXXX '' immediately on problems and for several days did not respond. I had asked prior to service the warranty and was told they warrantied there service and guaranteed their work. Finally they sent a Field Manager out to review the property and I met with her and offered her a bug glue trap to take and have it looked at by an scientist of insects to perhaps validate the bugs on the trap. The trap was taken and to date have not gotten any results of the trap, followup call on warranty service ( re-do ) or any plan of action for resolving this matter. So after the first week of contacting said above company on this matter, I contacted Discover to dispute this charge. I sent Discover pages of documents per the ( FCBA ) to validate charges for goods or services not delivered as agreed, services not given as described and finally " Warranty '' for services promised but not delivered. Discover sent a vague letter XX/XX/XXXX, that they could no longer continue this dispute, unless I had additional information. XX/XX/XXXX, I sent additional information, disputing this charge. In validating legally the infractions this company made per this service I contacted the State of Georgia Agriculture Department who licenses this service, who reviewed the file per my case and wrote up XXXX violations by " XXXX. '' In the meantime, I received another note from Discover ( in my account file ) that in turn stated that they would not reverse the charge. I called Discover and told them of the State findings of violations and would it make a difference to send it to them and would they re-review the case and the agent stated yes. To Date, they have not and still are demanding a payment on this account immediately. Discover has not to date disclosed " why they will not reverse the charge '' specifically in writing ; nor given me any documents validating their decision,.,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
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: Account status incorrect

Complaint:
CFPB, XXXX, Experian, XXXX, This is a brand new complaint as I just received a brand new letter on XX/XX/2022 from XXXX XXXX XXXX XXXX ( XXXX ) - CFPB complaint # XXXX As per the letter attached to this CFPB complaint by XXXX XXXX XXXX XXXX XXXX XXXX ) please remove the below collection account from my credit reports immediately : Creditor : XXXX XXXX XXXX XXXX XXXX 
Account # : XXXX Attached to this complaint are : - My drivers license - My social security card - My current address - My letter to have this removed - The letter from the creditor, XXXX XXXX XXXX XXXX Please have this handled as soon as possible as this is affecting my credit and I am buying a home.

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 2016-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have filed many disputes with both XXXX and Transunion and they both have said they have verified my dispute with my bankruptcy. They have not sent any proof to me bearing my signature and stating they have verified it. By law they have to remove it from my credit report if they ca n't provide proof with my signature on 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 2016-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On XX/XX/2016 I noticed that previously deleted inquiries on my credit report that were deleted had reappeared and were given new dates to expire.

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 2022-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 are 2 accounts that don't belong to me and a Chapter XXXX listing that is wrong and 2 late payments that are wrong and some unauthorized inquires that don't belong on my file as well

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 2015-04-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There are XXXX collection accounts on my credit bureau report. All XXXX should be removed because there has been no activity in about 8 years. XXXX. XXXX. After I XXXX, I never used any credit cards or made any payments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
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:
Accuracy and fairness of credit reporting ( 4 ) There exercise their grave responsibilities with the fairness, impartiality and a respect for the consumer right to privacy. 15.U.S. code subchapter lll credit reporting agencies. In general subject to subsection ( c ), any consumer reporting agents May furnish a consumer report under the following circumstances and no other. ( 2 ) and accordance with the writing instructions of the consumer to who it relates.

1681 ( I ) Prohibition ( a ) reporting information with actual knowledge of errors a person should not furnish any information relating to a consumer to any consumer reporting agents if the person knows has reasonable cause to believe that the information is inaccurate. 
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 2020-08-05
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX is previous complaint filed XX/XX/2020. 

I sent a Police Report ( XXXX XXXX Sheriff 's Office ) to CACH on XX/XX/2020 per their request. 

CACH never replied to me but sent my file to : XXXX XXXXXXXX XXXX  in XXXX. 
The letter was dated from XXXX XX/XX/2020. 

XXXXXXXX XXXX XXXX  requested a completed Identity Affidavit ( they enclosed ) and I completed and mailed it ( Priority Mail ) to XXXXXXXX XXXX XXXX on XX/XX/2020. 
Again, it was sent completed and with a Police Report. 

I have heard nothing from CACH or XXXX XXXX XXXX. It is now XX/XX/XXXX and they are still reporting on my credit reports as of today. 

I have allowed extra time due to COVID, etc but I have complied with every request they have asked for. 
I am asking for this account to be resolved, removed from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16
Company: NATIONSTAR MORTGAGE LLC
State: OK
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX, ok XXXX mortgage loan # XXXX i want nationstar mortgage to stop charging me private mortgage insurance on my monthly mortgage payments from here on out ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
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: Investigation took more than 30 days

Complaint:
I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-17
Company: Experian Information Solutions 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:
XXXX XXXX XXXX  Account number XXXX This collection account is showing on both my Experian and XXXX credit reports. I have disputed this account, and it was not removed. Because of this collection account, I am unable to qualify to purchase a home. The credit report states that the account was opened XX/XX/2020. I did not open this account. 

After researching, I found that this violates my rights under the Fair Credit Reporting Act. My understanding is that the information contained within my credit reports must be accurate. 

I am asking that this account be investigated on both my Experian and XXXX reports. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a chapter XXXX listing that is wrong and unauthorized inquiries and one account i was not 30 days late on

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: Experian Information Solutions Inc.
State: AL
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 received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX {$1100.00} XXXX XXXX {$400.00} XXXX XXXX  XXXX {$1400.00XXXX XXXX XXXX {$5000.00}

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 2020-08-05
Company: EQUIFAX, INC.
State: MO
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:
XXXX XXXX XXXX XXXX is reporting to Credit Bureaus fraudulent information about a Credit Card account that i never had. I talk to them numerous times but still reporting to the bureaus that damaging my credit file and preventing to get new credits.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: CITIBANK, N.A.
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a refinance mortgage loan through Citibank, in order to lower my interest rates which at the present time is 10.02240 %. I was denied and a total of {$660.00}, was taken out of my checking account. It was never explained to me that my funds would be taken out if the loan was denied or I would have made an alternative choice in companies to assist me. 
I ca n't imagine being charge that large of a sum to complete an application for a loan. In the past I have had other companies to inform me at the on set that they would not be able to assist me, before requesting any money at all to be paid by me. I have also tried on several occasions by phone and by mail to reach the loan manager and Citibank N.A . of which neither have gotten back in touch with me. I am truly disappointed and confused that a company would think that a customer would have over {$600.00} to give away, when I am having a hard time trying to pay a mortgage that interest rates are three times more than it should be.

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 2020-01-04
Company: EQUIFAX, INC.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knowledge of the following accounts ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-14
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: Investigation took more than 30 days

Complaint:
Letter sent XX/XX/2022 a formal complaint to XXXX Transunion and XXXX for Violating my Federally Protected Rights as a consumer ; received no response. Sent a follow up letter XX/XX/2022 demanding them to comply to their policies with verifying accounts within 30 days; received no response.

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 2019-12-29
Company: PENTAGON FEDERAL CREDIT UNION
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
i applied for a penfed credit card..application # XXXX. XXXX hard report pulled fica XXXX penfed requested 2 yrs tax returns for approval. i was not advised of this requirement prior to my application.. i called and requested to cancel my application and remove the hard pull from my XXXX file as it was an errow for their failure to advise me of their policies..i should have been advised of this prior to checking my credit..thank you, 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 2015-10-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card
Issue: Other

Complaint:
I have only applied for XXXX credit card XXXX TIME with this company. Not XXXX, and not XXXX times back to back. This is not correct. 

CAP ONEXXXX XXXX, XXXXCreditor Contact DetailsCAPITAL ONE BANK USA NAXXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX CAP ONEXXXX XXXX, XXXX CAP ONEXXXX XXXX, XXXX CAP ONEXXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I see that someone by the name of XXXX was able to send themselves XXXX dollars from my cash app. I inform both cash app and my bank ( XXXX ) about this. Cash App refuses to do anything and my bank, at first, decides to give me the XXXX bucks back. I then receive a letter from my bank on XX/XX/XXXX that they are taking the money back out of my account. After further investigation, Cash App has claimed that I have multiple undisputed transactions with this XXXX person. This is a straight up lie. If you look through my transaction history on Cash App you will find that there is only one transaction with this person. Cash App has lied to my bank during an investigation that resulted in me losing money from a scammer. Multiple attempts at contacting Cash App have been made and they refuse to address the issue

Company response to consumer: Closed with explanation