BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-24
Company: EQUIFAX, INC.
State: NE
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:
See Highlighted Complaint #  1  : Equifax,  XXXX  of the  XXXX  national credit bureaus is reporting a " Public Record '' of a  Federal Lien on  my credit report. The other  XXXX  agencies,   XXXX   &  XXXX  are not reporting this lien and have never reported this lien. I have tried numerous times to dispute this item and continue to be unsuccessful.    1.  It tells me to contact the  XXXX  County Courthouse-I have called the phone number listed on the report,  XXXX , it is NOT a working number.    2.  It tells me the address is  XXXX   XXXX   XXXX   XXXX  in which the address is actually  XXXX   XXXX   XXXX   XXXX ,  XXXX  Floor.     3.   It tells me the Case or ID # -  XXXX  ... I visited  XXXX   County Court,  in person, they have no record of this case number. They told me their cases all begin with either a SC or CI.   4. In this very same report copy,   XXXX   listed an additional Social Security number for me. I have one Social Security Number, the one I used to obtain this report. They did remove the other Social Security number. Perhaps this lien went with that number?   5. I have no other proof to provide either way on this lien because it is NOT mine. I do NOT owe the Federal Government anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
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:
Have continually disputed incorrect information about  XXXX    XXXX   XXXX   XXXX   XXXX   on my report. Company comes back stating " company verified it was mine. '' However, they never have any documentation. After requesting documentation from the debt collector and not receiving any proof, there is no record of the account. Therefor, the account is continually being shown on my report despite no proof of any original documentation or that it is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: Lending Club Corp
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/2021 I was charged {$210.00} then again on XX/XX/2021 I was charged {$210.00}. Lending Club refused to refund one of those payments. Then they advised one of the payments just went to the principal and was not a payment. I asked could they please apply both payments as separate payments the manager agreed. But did not notate my account. So now Lending Club is saying I am past due for XXXX and now due for XXXX. They are very misleading and refuse to cooperate with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: 21ST MORTGAGE CORP.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I brought a mobile home fro m 21st Mo rtgage  in 2008, no w that I am getting near the end I seem to have more add on fees. I have inquired about these fees and they become belligerent and talk to me with blatant disrespect. My amount that I owe them is wrong and they refused to fix it, they also have taken my insurance money without my approval and added it to my loan which has not done anything for the amount. I have repeatedly tried to call them and ask for the amount they are sending the credit company in regards to my credit re port. 21st Mort gage have a lot of practices that need to be looked into, during the times everyone was coming back from Hurricane  XXXX . We brought homes and like myself only owed {$11000.00} but to still be paying them to this date is so utterly unfair. We should have been finished with them I am not understanding why we are not and they refused to answer any questions. There is a guy name   d (   XXXX   ) no  last name and he is always rude and talk to you any type of way with little to no respect of who you are, I truly need help to get this completed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I file case in FDIC and they told me transfer to your place. 
XXXX XXXX too large to upload but in FDIC case transfer. 

FDIC XXXX XX/XX/XXXX Ref. No. : XXXX Re : Citibank, National Association Dear XXXX XXXX : Thank you for your correspondence, which was received by the FDIC 's Consumer Response Unit. 

The FDIC 's mission is to ensure the stability of and public confidence in the nation 's financial system. To achieve this goal, the FDIC has insured deposits and promoted safe and sound banking practices since 1933. We are responsible for supervising state-chartered, FDIC-insured institutions that are not members of the Federal Reserve System.

Based on our review of your correspondence, the bank you referenced is under the direct supervision of the Consumer Financial Protection Bureau. We are forwarding a copy of your correspondence to this agency at the address below : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Website : www.consumerfinance.gov Telephone : XXXX Please direct any future concerns to the Consumer Financial Protection Bureau XXXX Thank you for taking the time to submit your correspondence. 

Sincerely, Consumer Response Unit National Center for Consumer and Depositor Assistance Federal Deposit Insurance Corporation Telephone : ( XXXX ) XXXX Fax : ( 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 2022-04-28
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
At the end of XXXX, there was a large amount of fraud on my XXXX  account, so we closed that account and opened a new XXXX  account, called XXXX account XXXX. I notified the bank of a few valid outstanding checks on the original XXXX account, and instructed them to process only those checks. 

On XX/XX/XXXX, two new fraudulent checks were presented to the bank on the original XXXX  account and they paid the checks. I promptly notified them : ( 1 ) that the check was fraudulent; and ( 2 ) it was not one of the approved checks I had sent them as valid. I am unable to access an image of either of these two fraudulent checks. I attach the information about the checks. 

To date they have failed to return my funds. They say they are overwhelmed with fraud claims and can not give a 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 monetary relief
Consumer complaint received 2017-04-24
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage loan with  PNC Bank.  Recently, I had a slab leak and the insurance company sent me a check for the damage that need to be co-endorsed by  PNC before  I can deposit it to my account. The work was already done and I have to pay the construction company. However, I ca n't deposit the check from my insurance company because I ca n't get a hold of anyone over  at PNC. I 'v e waited in the phone for hours. I 've sent them messages through their online account system and no one has contact me back yet. There is no way to get in touch and speak to a live person whatsoever. Meanwhile, I have to write a check for the money that I do n't have to pay the construction company beca use PNC wo n 't contact me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am in the process of trying to buy a home. After revieving my credit report i see incorrect information that is being listed. The incorrect accounts listed are damaging my financial profile. I havent sent in multiple dispute letters in. The dates that the letters were sent were XX/XX/2021 an XX/XX/2021 to have the account investigated. The amount awed on the account was {$3100.00}. Account a high credit limit way over that amount, and does not add up. 

This account also looks like it would be out of the STATUTE OF LIMITATIONS. This account says that last activity date was XXXX.l. I have not received any investigation results in the mail. Please assit with getting this account removed from my credit report and investigated imediatley.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
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: Information is missing that should be on the report

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 2021-12-09
Company: EQUIFAX, INC.
State: MI
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:
Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX  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 XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX 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 XXXX XXXX  daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
CHASE VISA  closed on   XXXX   XXXX   XXXX   ; {$9700.00}   15 U.S. Code Subchapter I - CONSUMER CREDIT COST DISCLOSURE I am requesting a copy of my application and any and all disclosure pursuant to 15 U.S. Code 1637 - Open end consumer credit plans.
Because of this willful and knowing violation, there is a negative rating on my credit report. Pursuant to 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: One Source Technology
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I am seeking employment and have been denied in some cases, where as, old information dated back well over 7 and/or 10 years are being reported in consumer reports. Asurint is the most recent company that has disclosed such detrimental information fore mentioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have been inudated with Attorney solicitations about a judgement action that will be taken against me by XXXX XXXX. This has been going on for several weeks. It felt like a conspiracy between the Law Firms and this Company which purchased a debt they alledge I owed. 

I had filed for XXXX XXXX Bankruptcy in XX/XX/2020. I am not sure who this debt is too. 

I sent XXXX XXXX an email on their website asking them to contact me I never heard from them. 

This morning I received a summons to appear XXXX XXXX  with XXXX pages of attachement with the words redact written close to a XXXX times on them. 

I am XXXX XXXX XXXX. I am XXXX but I will head to XXXX on XX/XX/XXXX. 

I wish to file a criminal complaint against XXXX XXXX for being involved in a conspiracy with at least XXXX Law Firms to make money on a debt which I may or may not owe and not giving me the courtesy of notification and a chance to review this. 

If the debt is owed I would come to some understanding on paying it off. However, they choose to use scare tactics 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 2021-06-14
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:
XXXX XXXX have reported 80 late payments on my credit report they are old reports. This company is keep me from refinancing my house. It has Major repairs need to be done on the roof the insurance adjuster did not approve the claim only the inside of the bed. Theyre stopping me from getting loans to repair my roof on my house. The dates are XXXX 80 old late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
When I started going to college to become a  XXXX ,    debt counseling w as not something anyone talked to me about. I began taking out student loans to become a  XXXX , not realizing my profession did not match what my student loans payments would be. At the time, I was a single mother. My student loans were accrued before I got married.   I  XXXX , taking out more student loans to get a  XXXX   XXXX   XXXX . Again, with no credit counseling. When I   XXXX    XXXX , I had about {$60000.00} in student loans. My payment was around {$420.00} per month. My starting salary as a  XXXX  was {$27000.00}. I did my best to make payments, but then had some health issues. I called and was told to apply for a forbearance.   Over the course of 10 years, I was encouraged to take out several forbearance requests, putting my loan currently at {$77000.00}. In the summer of   XXXX  , I called  Navient requesting a  reasonable payment and was denied. They told me to apply for the   XXXX   forgiveness program and consolidate my loans. I was also told to apply for consolidation. I tried all of those options, and because I 'm married, my IBR option was {$800.00} per month. That is almost a whole paycheck for my family!   I would like to start paying on my student loans with a reasonable payment. I indicated thi s to Navient l ast summer. The payment they are requesting is unreasonable. I have thought about making payments less than what they are asking, but read it will ruin my credit and force me into default. So, my only option so far has been to continue to put my loan into forbearance. Being married has actually hurt my payment options. So, do I need to get a divorce and be a single parent to get a reasonable payment?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: General Motors Financial Company, Inc.
State: CT
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:
I have an early lease termination that was charged off in XX/XX/XXXX but it is still showing a balance due of XXXX. Its GM financial services on a XXXX XXXX XXXX. Im a XXXX American veteran  trying to buy a home and the mortgage broker is telling us the account balance should read {$0.00} for balance due. I was told by someone on the phone from GM financial that if I did the early lease termination it wouldnt affect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I had a GA tax lien on my credit report since  XXXX  in the amount of {$1400.00} that has been paid a nd satisfied.I requested for t he lien to be removed from all  XXXX  credit bureau agen cies. ( E quifax,  XXXX  and  XXXX   ) b ut has not bee n done.The GA State tax said they do not report to credit burea u and  XXXX  GA  Superior court sai d they do not also. I tried to pull my name up on   XXXX   XXXX   XXXX   but nothing comes up under my name so this is proof I have no outstanding state tax liens.   This is affecting my credit score significantly and I desperately need help getting this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Equifax continues to report the following, after receiving police reports, notarized disputes, and everything required for removal for the illegal accounts ) : The illegal, fraudulent accounts are : AMALGAMATED BANK OF, FINGERHUT/WEBBANK The illegal, fraudulent inquiries that are not covered by fair use are :   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX    ,  XXXX   XXXX   XXXX   XXXX ,   XXXX  ,  XXXX   XXXX   XXXX   XXXX ,   XXXX  ,  XXXX   XXXX  BANK  XXXX   XXXX   XXXX ,   XXXX   &  XXXX   XXXX ,   XXXX  ,  XXXX   XXXX   XXXX ,   XXXX  ,  XXXX  BANK  XXXX ,  XXXX .  XXXX   XXXX ,   XXXX  ,  XXXX   XXXX ,   XXXX  , &  XXXX   XXXX ,   XXXX  ,  XXXX   XXXX , BEST B  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  BANK  XXXX   XXXX ,   XXXX  ,  XXXX   XXXX  CRED  XXXX   XXXX ,   XXXX  ,  XXXX   XXXX  BANK  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