BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-14
Company: Credit Karma, LLC
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Credit Karma has continually stated I am eligible or pre-approved for credit cards and when I apply I am denied. This has happened more than a dozen times. I am trying to rebuild my credit and they're being fraudulent with their offers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
The credit bureaus Experian, XXXX did not follow the law, I have disputed accounts and personal information and Experian had updated Dispute accounts to addresses was use for Identity theft. According to the 1970 Fair Credit Reporting Act these unverified, incorrect and unauthorized addresses must be removed ASAP

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 2022-04-05
Company: Experian Information Solutions Inc.
State: GA
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:
The accounts in question have not been removed and I have submitted multiple documents showing the error. I have attempted multiple occasions to get this issue resolved and these accounts removed. This is hindering me from moving forward with home purchasing.

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 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
The accounts in question have not been removed and I have submitted multiple documents showing the error. I have attempted multiple occasions to get this issue resolved and these accounts removed. This is hindering me from moving forward with home purchasing.

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 2022-03-04
Company: TD BANK US HOLDING COMPANY
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
TD bank told me that even if I tried to deposit money into the account to avoid overdraft fees, it would not make a difference because it was too late even for transactions in outgoing pending status. I need help with helping this bank reform its predatory fees schedules.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-14
Company: Freedom Mortgage Company
State: OK
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 a letter from freedom mortgage that shows we never missed a payment. Our mortgage was bought out and it shows past due, past due amount {$0.00}. This is effecting our new lending process. This has been attempted to be fixed through XXXX XXXX and 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 2017-06-26
Company: EQUIFAX, INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Paid  XXXX . I have a deletion letter as well from the company stellar recovery on  XXXX  account  XXXX    XXXX   file number  XXXX . and equifax is still showing this debit and I have contacted them 5 times on this matter. I want this deleted from my credit report account. I 'm not sure if it 's on the other credit reporting agencies as well. But would like that deleted as well. This has been going on way to long. Even the company I paid thinks this is crazy!! Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
This a formal compliant against TransUnion regarding inaccuracy on my credit file. On XX/XX/XXXX, I discovered that XXXX XXXX account number XXXX XXXX is still being displayed on my credit report which is inaccurate. This account was disputed by me to be removed/deleted permanently from my credit file due to several proven inaccuracies. I contacted XXXX XXXX as well regarding this matter and I was informed that an " account deletion '' was mailed to all three credit bureaus. Please delete this item immediately. This account was deleted between XX/XX/XXXX and XX/XX/XXXX by XXXX which I have proof. I know that CRAs does not share credit information with one another and that it 's FCRA law that the furnishers update these agencies with the accurate and updated information. However, this is NOT the case because XXXX XXXX complied to the FCRA Law when they notified TransUnion in writing for this account to be deleted from my credit file. I 'm requesting that you follow suit with XXXX by DELETING/REMOVING this account from my credit file.

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 2017-06-09
Company: JPMORGAN CHASE & CO.
State: AL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I   XXXX   I was laid off a job I had for 6 years. When the lay off happened I had just purchased my home so from   XXXX   to the current I have been struggling to pay me monthly mortgage. I filed for Bankruptcy so that I could try and find a job that in the field that I was in so that I could get increase my income. I have applied for a loan modification around 4 times and now I have requested a loan forbearance for a period of time this will help me tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On  XXXX   XXXX ,    2015 I re ceived a call fro m Chase to verify  some activities on my account. I told the rep then that I have n't done anything in my account and did n't recognize any of the transactions from the particular account they were referring to. ( At the time I had  XXXX  accounts wit h Chase ).  So that 's when I realized that I had lost my debt card and also informed the rep of this as well. Not only were they able to gain access to my online banking but also made changes on my account. On this same date  XXXX  check deposits were made for {$740.00} and {$760.00}, then on  XXXX   XXXX ,  2015   XXXX  more check deposits were made of {$740.00} and {$740.00}. Which were desposited via ATM in  XXXX , IL, I live in  XXXX   XXXX , NJ. They were some construction company checks that I 've never heard of.     In my account at that time was my rent amount of {$1500.00}, which was taken out via ATM withdrawal on  XXXX   XXXX ,    2015. On ce these checks were in the account they withdrew the monies as money orders for those same amounts listed above. I went back and forth with Chase for almost a week signing documents, questionnaires and dealing with some supervisors over the phone with nothing to be accomplished.     Even until after the holidays I was n't able to get this matter resolved until they finally decided that they were going to close all of my accounts with Chase and not be refunded {$1500.00} the monies that was withdrawn from my account at the time the whole fraud case began. But they are also penalizing me for monies owed to them in the amount of {$2300.00}. And wo n't be able to do business with them for the next 7 years

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: EQUIFAX, INC.
State: MD
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:
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 604 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 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
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 604 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 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 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
According with the Fair credit reporting act XXXX accounts- All accounts from XXXX XXXX XXXX. 
To be removed/Deletions for all repeated accounts on my report and all violations from accounts to be deleted and took off my credit report. 
They state a full investigation was done and came back verified and updated but that's a lie and another violation of my rights. 

because under 15 U.S.C 1681i - procedure in case of disputed accuracy. 

. Has violated my rights. 15 U.S.C 1681Section 602 A states I have the right to privacy.

15 U S.C 1681 Section 604 A section 2. It also state 's 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 explanation
Consumer complaint received 2022-04-05
Company: SYNCHRONY FINANCIAL
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 recently reviewed a copy of my XXXX credit report. The credit report showed a hard inquiry from the company SYNCB/XXXX XXXX XX/XX/2021. I have since contacted this company on XX/XX/2021 and 4 more times after that. The company stated that this is indeed fraud and reported the claim to XXXX to be removed from my credit report. Upon checking, XXXX has yet to remove this hard inquiry from my report.

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 2022-04-05
Company: GreenSky, LLC
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Creditor includes interest amount into balance, when interest is deferred under promotional financing. 

There is no separation of the amount owed and the deferred interest. 

All you get is the total balance. Creditor refuses to acknowledge dispute on account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Reached out to XXXX, Transunion and XXXX  via mail twice concerning inaccuracies that were on my credit report. however, still were unable to get items remove and accuracy reporting properly on my credit report. 
First Date was on the XX/XX/2021 and second date was on XX/XX/2021.

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 2021-11-12
Company: MidAmerica Mortgage Inc
State: OR
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:
My mortgage service provider ( MidAmerica Mortgage/XXXX XXXX ) continues to operate poorly in their management of my Section 184 mortgage loan. The current amount of money owned on our mortgage is {$350000.00}. However on XX/XX/XXXX we were assigned a fee of {$99000.00}. This was a large error on the part of MAM/XXXX. It took an entire MONTH ( XX/XX/XXXX ) to get this fee waived. However, because they dragged their feet on this my current credit report is showing, incorrectly, that we owe {$450000.00} because that amount is including the fee that was waived. So as a result of this negligence my current credit score has dropped 21 points. 

It is a constant struggle to have to be this hypervigilant when it comes to making sure I'm not being XXXX  by this service provider. I have to check literally every couple weeks and constantly try to email/call individuals at this organization to resolve my issues. This lack of oversight and due diligence from this group is subpar at best currently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: EQUIFAX, INC.
State: MD
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:
I have previously disputed this item with you ( US Bankruptcy CT MD XXXX /Reference # XXXX ) and in response you have verified this item as accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or to any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: Phoenix Financial Services LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Date   XXXX     Amount  XXXX  Company :  Phoenix Financial Service , for  XXXX   XXXX   XXXX   XXXX  Received call from company representative on approximately  X/XX/17.  Was told it was attempt to collect debt. Company representative told me who the debt was for. I expressed some confusion over debt given the billing timeline and not receiving bill for services and being confused about the name being collected for vs. the hospital the representative later said it was for. Company representative gave me an email he said I could email but told me not to use info on the company site because it would send " another validation of debt '' letter. At the time, I thought it was a little odd that he said that because I had never received any mail from the company or a letter for a validation of debt. He went on to ask if I wanted to pay anything and I said, no because I needed to know more about the debt. He reiterated that I should contact the email he gave me. After the call, I looked up my credit report the next day and noticed that the report from the collection company was placed for collection well after I had visited the hospital the representative claimed this debt was for. Believing this was not my debt and an error, I filed a report with the credit burea u (  XXXX  )  who said more information was needed. I later after more investigation to get ready to write a debt validation letter, found out that it was agains the Fair Debt Collection Practices Act for the debt collector to advise me against seeking Validation of Debt, especially when I was talking to the representative about trying to understand about what the debt was for. The company and company representative knowingly and purposefully advised me against this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: EQUIFAX, INC.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I installed  XXXX   XXXX  service at my apartment. With my  XXXX   XXXX  service I was offered a  XXXX   XXXX . I took the offered. I was charged outrageous fees for used data that I did not understand, I also received equipment that I never ordered. I was charged for it. I returned the equipment, but theyvkept charging. While I was disputing the charges  XXXX   XXXX   XXXX  cancel my  XXXX   XXXX  service without notification.   I.c.  System Inc. do  not stop calling. They reported me to   XXXX   and  XXXX  that I know, I do know how many others.   What they do is they reported me wait a couples of months, withdrawed it, wait a couples of months a reported me again for the same thing. This is been going for the last year.

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 2017-06-09
Company: TENET HEALTHCARE CORPORATION
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I OBTAIN MY CREDIT REPORT FROM ALL  XXXX  CREDIT REPORT AGENCIES AFTER BEING DENIED CREDIT AND NOTICED SEVERAL INACCURATE AND INCORRECT ITEMS AND ACCOUNTS THAT DID NOT BELONG TO ME NOR DID I APPLY FOR. I HAVE DISPUTED THIS ITEM WITH THE CREDIT BUREAUS. I HAVE ALSO FILED A IDENTITY THEFT COMPLAINT WITH THE FT C ( FEDERAL TRADE COMMISSION ).   FTC REPORT NUMBER :  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
PNC LN XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX XXXX XXXX We have submitted our authorization and a complete short sale package to PNC. They have set a foreclosure date for XX/XX/17, are refusing to provide a payoff demand to an authorized third party, and are also refusing to review the file for a short sale. <P/>PNC has not ever attempted to contact the homeowner. The homeowner only found out her home was going to foreclosure last week and only because real estate agents started calling her. PNC has never contacted the homeowner, has never attempted to do any kind of workout option with her, and this is violation of State and Federal Law. <P/>Since the homeowner is XXXX years old, PNCs lack of legally required communication also raises questions of Elder Abuse. Elder Abuse is a violation of California law. <P/>Since we already know that you are going to claim you have contacted the homeowner, we want proof of this. I want to know the date/time that you have contacted her in accordance with state and federal law. <P/>Weve had issues with pnc before regarding their lack of communication with their own homeowners, and we end up having to file a CFPB complaint on every file we have with them. We are tired of the hacks in their legal dept telling us that we are lying and they have done nothing wrong. In fact, in every response that we get back from their legal hacks we are told we are lying. How is it possible that in all of the CFPB complaints against PNC for the consumer to be lying 100 % of the time??? We have closed over 2400 short sales in the last 9 years. PNC is saying that we lie on every single complaint? Does that sound like Reality to you?? When is the CFPB going to enforce the laws that are in place to protect the homeowner?

Company response to consumer: Closed with explanation