BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
In reference to CFPB complaints XXXX XXXX In my complaint, I indicated there are inaccurate or incomplete items appearing on my XXXX and Transunion credit reports regarding the account by XXXX XXXX XXXX XXXX Account # - XXXX XXXX  XXXX XXXX, XXXX  DC XXXX And as such the account should be deleted. 

XXXX failed to investigate the complaint in a timely manner ( over 150 days ) and as such the item should be deleted immediately. 

Transunion fained to investigate the complaint in a timely manner ( over 150 days ) and as such the item should be deleted immediately. 

Furthermore, the results of the investigation conducted by XXXX led to the deletion of the account. See below : ( Thank you for submitting your complaint on XX/XX/19 through the CFPB Complaint Portal. In your complaint, you indicated there are inaccurate or incomplete items appearing on your XXXX credit report. We initiated an investigation into the items and the results are below : Account # - XXXX The results are : This item has been deleted from the credit file. If you have additional questions about this item please contact : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX DC XXXX. The results of the investigation have been mailed to you. If you have any additional questions or concerns in regards to the updates made to your XXXX Credit Report, please refer to the mailed revised copy or visit us at XXXX XXXX XXXX or contact a Customer Service Representative at XXXX. 

Account # - XXXX The results are : This item has been deleted from the credit file. ) As a result I request that the item should be deleted from my report with both Transunion 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 2015-08-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio recovery services LLC representing XXXX XXXX bank indicating I owe full balance {$6200.00}. I never even had credit that high let alone owe this bogus attempt to collect. it says at the bottom Because of the age of the debt we will not sue you and we will not report it to a credit reporting agency ... Totally a scam.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-05
Company: Rocket Mortgage, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My husband & I have a Trust and decided to re-finance for a lower rate. There was to be 2 closings ( one for Trustee to take property in and out of the trust, and the other on XX/XX/XXXX for my husband & I to close the refinance contract in the amount of {$230000.00}. ) With the closing, we requested {$29000.00} cash to close. The disbursement date was to be XX/XX/2020. On XX/XX/2020 I sent an email to the title company, providing the Trustee 's contact information. On XX/XX/XXXX I specifically requested 2 separate closings ( with us and the Trustee ). It took the Mortgage/Title company from XX/XX/XXXX to XX/XX/XXXX to determine that Trustee paperwork had not been completed. Finally Trust paperwork was signed and notarized XX/XX/XXXX, so again we expected our {$29000.00} to be disbursed. Today is XX/XX/XXXX and apparently more Trust paperwork was missed or has to be re-signed. On XXXX XXXX another confused notary called us to schedule yet another set of Trust closing documents. AS OF XX/XX/XXXX our OLD MORTGAGE HAS NOT BEEN PAID OFF ( making our mortgage payment {$190000.00} PLUS interest late. ) Expecting our $ XXXX to be wired to our bank, we scheduled payments to our credit card companies. SO we were not able to pay those bills - making them late/missed payments. It is WRONG that our new Mortgage has been set up in the system, and we now owe the 1st mortgage payment on XX/XX/XXXX. How could our Mortgage debt be set up, yet the Mortgage/Title Company still won't release our cash back funds?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05
Company: PNC Bank N.A.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I was approved for a loan from PNC, I took the check to a dealership to purchase a used XXXX XXXX XXXX   with XXXX miles for {$16000.00}, with a {$1500.00} trade in and fees included my bottom line price for the car is about {$16000.00} after trade-in, tags, and fees. The dealership accepted the check, and after almost three weeks, PNC notifies me that the loan has been denied due to the car having more than 80k miles, we then head to the dealership for them to get us a loan from their network however their interest is twice as much as what PNC provided us. Upon me doing some research I notice that under terms and conditions PNC does allow financing on vehicles with 80k to 100k miles. However certain restrictions are applied. Right now this puts me and my family in a vulnerable position because, we have a car that we are concerned with driving because we dont know whether we have to return it or not, and if we do return it, we will then need our trade-in back. So this loan denial is causing a chain reaction which is making this buying experience extremely unpleasant. Please assist us in working with the bank to approve the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: MARINER FINANCE, LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a situation where a tree fell on my house it was paid by the insurance all of the debt and they are still saying that I owe XXXX when I do n't owe anything this was a year ago I have contacted them recently because no one reached out o me and told me that I had a balance when it was told to me that it would be paid in full by the insurance. Even when I called them to confirm because they where saying it would n't be.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: EQUIFAX, INC.
State: NY
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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX   XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXXXXXX XXXXXXXX XXXX   XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: Experian Information Solutions Inc.
State: OH
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 was informed by my lender that I was not approved for a home equity loan due to some derogatory items listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Please remove the items as soon possible. XXXX XXXX {$81000.00}

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 2016-03-31
Company: FC HoldCo LLC
State: WA
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have gotten calls from XXXX XXXX, Flagship Credit, XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX. I most recently spoke with an agent on XXXX/XXXX/16 at approx XXXX. The agent was polite and provided the above info after I advised her I was sick of the calls and was going to file a complaint. 

Approx 6 weeks ago we received several calls from this company and they left no message. When they called at a time I was home I answered a call from them, after I found out what they were after I answered some questions to verify I was not the person they were after. Some weeks went by and I started getting some calls again, no message left, again when I was home I answered the call. I told them I had answered their questions, cleared up the issue, I would not answer any more questions and to quit calling me. At this point I became uncooperative and remain so. 

A week or so passed and more calls with no message. Again when they called and I was home I answered and spoke with XXXX, this time I gathered contact information, informed her I would answer no questions and I was filing a complaint. 

I get the whole deal on collecting debts, they have a complex job but when someone cooperates, verifies some info, and continues to get calls they create a poor reputation for their company and the industry.

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 2015-08-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
On XXXX occasions, the XXXX was on XXXX/XXXX/2015 at XXXX they called me at work. The XXXX time they called I was very clear that they were not allowed to call me at my place of employment and hung up the phone. They do not have my married name and ask for the wrong person. I respond by saying no this is not her, the continue to asked who I am. I respond by asking who they are, they only tell me there name. I have to ask specifically " where are you from '' They do not know my married name. On the XXXX occasion I did tell they that I was being harassed and I was contacting a lawyer and again to never call my place of employment again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. I m disappointed!

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 2020-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$6200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, XXXX XXXX, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 3. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX I with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -This is not my account.

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 2020-05-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I took a look at my credit report I saw a few fraudulent accounts on my report. I have been trying to remove them but I was unable to remove them. Please help me remove the accounts.

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 2020-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These are not my accounts. Please remove them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Hi. I don't know what's going on but I disputed accounts that weren't mine or weren't accurate with the credit bureaus back on XX/XX/XXXX. I never got any notices and I feel like its been a really long time. I read that the credit bureaus only have 30 days to give me a notice back with responses and its been far longer than that. I also sent them my license and social security card so they knew who I was. 

I just recently sent them a second notice last week but I don't know if I'll be ignored again. 
Please help me get some results back.

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 2020-01-05
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
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 was shocked when I reviewed my credit report and found late payment on XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05
Company: PNC Bank N.A.
State: MO
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:
My wife had purchased a gaming system before XXXX from a website which quicky turned out to be fraudulent. We contacted our bank ( PNC ) immediately and once the charge processed we went through with the dispute. After several months the bank has denied our claim and randomly took out the money that was given back to us. They pulled the funds out on a Saturday night so we couldn't reach out and complain or contact them about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05
Company: SUNTRUST BANKS, INC.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX VM from SunTrust of possible fraudulent activity. XXXX saw {$2100.00} purchase at XXXX in XXXX, NC ( I live in XXXX, NC ). SunTrust Customer Service informed me that someone with my name and address called on XXXX at XXXX requesting a new debit card be mailed to XXXX XXXX XXXX XXXX, XXXX, NC. Told Suntrust rep no point in sending a code because also lost cell phone. 
XXXX received card in mail from Suntrust confirmation of address change for 3 of my 4 accounts. XX/XX/XXXX Met with branch mgr who called fraud dept. Told that investigator Denied and closed the case assuming I approved it. 
XX/XX/XXXX wrote rebuttal. XX/XX/XXXX still have not heard from Suntrust and {$2100.00} not restored to my account. XX/XX/XXXX a Good Samaritan in XXXX, NC called to inform me that she saw my credit card/ address/ ph # and many other peoples in the car of a man she knows in XXXX, NC. I filed a police report giving all information and the guys name. 
Suntrust has not been in touch with me since my pursuing them since XX/XX/XXXX. I have been treated by Suntrust Fraud Dept as a liar having to prove that Im telling the truth.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES 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 IS NOW SO 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 INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES 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 2015-09-18
Company: FIRST NIAGARA FINANCIAL GROUP, INC.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
My father XXXX XXXX XXXX died on XXXX XXXX 2015. I have attached a death certificate. He died at XXXX years of age. My sister and I live in different locations ; we are not in XXXX New York. It was only going through his papers that we discovered that checks had been forged out of his checkbook by XXXX XXXX XXXX, who was a tenant of my father 's. Following that discovery, I went to visit XXXX XXXX on XXXX XXXX to discuss the forgery ; XXXX works at First Niagara Bank. XXXX asked me if a Forgery report had been filed, I said not to my knowledge. He called the Fraud Department of First Niagara and they said nothing could be done, given that a report had not been filed. My sister then found a copy of the filed report and we sent that on to XXXX on XXXX XXXX, 2015. Again, I emphasize that First Niagara Bank never indicated that report had been filed prior to my father 's death. 
XXXX XXXX later requested a copy of the Police Report which we did send to him on XXXX XXXX. XXXX asked me what the XXXX Police Department and DA had decided ; I shared that given his death, they had decided it would be impossible to prosecute but that is entirely separate and unrelated matter to the bank 's investigation. Numerous phone calls to XXXX were unreturned. Numerous emails were ignored. 
Finally, in late XXXX, First Niagara determined that they had no liability for the numerous bad checks that were cashed. In total XXXX forged checks were cashed. My father did not have on-line banking and discovered the fraud in XXXX. 
-I attach his Death Certificate-The Affidavit Filed by XXXX XXXX XXXX-The Police Report-The letter from First Niagara with the " amount of time '' as a reason for not reimbursing. 
Frankly, I am disgusted that a XXXX Bank would not disclose the existence of an Affidavit at our meeting in XXXX. I am further disgusted that when all requests for information were met, and in the circumstance of a death, that First Niagara took this tack. To use an excuse that the DA would not prosecute a case when the injured party has died, is nonsensical. First Niagara staff has not been timely, responsive or honest in their dealings with me and my sister. They obviously hoped we would not find paperwork that had been filed so that they could use that as a reason. 

Thank you for your time. My contact details are ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NJ XXXX. My cell phone is XXXX XXXX XXXX. My home email is XXXXXXXXXXXX

Company response to consumer: Closed with explanation