BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-27
Company: Experian Information Solutions 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:
I took out a loan with XXXX XXXX al in XXXX of XXXX. I have always paid my payments on time and I have never been late. In XXXX of XXXX a company by the name of XXXX XXXX XXXX reported me late. I have never had an account with this company. XXXX XXXX XXXX placed a thirty day late on my credit report. Subsequently, when I contacted XXXX XXXX they said the information was correct. I paid XXXX XXXX on XX/XX/XXXX and this AXXXX XXXX XXXX took the money out of my account on XX/XX/XXXX which shows that I paid XXXX XXXX  on time. Unfortunately, I was set up with Automatic Payments with XXXX XXXX XXXX l and XXXX XXXX  who acts like a loan shark XXXX XXXX tried to take several payments out of my account. XXXX XXXX XXXX caused me to get over {$200.00} in bank fees. XXXX XXXX XXXX tried to take another payment illegally on XX/XX/XXXX, and then reported my account as late. XXXX XXXX XXXX is not my lender and they XXXX XXXX does not do same day payments which shows the money they took from my account on XX/XX/XXXX, so my payment was not late. XXXX XXXX XXXX has bad business practices because they tried to take more than one payment from me on six different attempts. I had automatic payments set up with XXXX XXXX XXXX and I didn't give XXXX permission to take any money out of my account. The payment I made to XXXX XXXX on XX/XX/XXXX, was the only payment that should have came out of my account. I paid my XXXX payment on time XX/XX/XXXX. I have never taken a loan out with XXXX XXXXXXXX XXXX  l and it was wrong for them to try six times to take money out of my account illegally and then report me late. I never did business with this 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 2022-11-21
Company: EQUIFAX, INC.
State: NV
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 XXXX and Equifax credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Equifax and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor The account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX ...... Date Opened XX/XX/2017 XXXX {$2100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: NRA Group, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The FDCPA prohibits debt collection companies from using abusive, unfair or deceptive practices to collect debts from this company has no right to collect in my state. This company does not have a license, permit or permission to collect in my state via XXXX. Permit from Commissioner of Insurance ; penalty for violation ; exception.

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 2021-09-28
Company: Tower Loan of Mississippi, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX XXXX I contacted Tower Loan located in XXXX, Ms., the telephone number is XXXX and I spoke with a representative by the name of XXXX who stated I only needed to pay {$190.00}. She then proceeded to take out {$300.00} and {$190.00}. I placed a call to branch manager XXXX who stated he notified Supervisor but wasn't sure how they handled this. This is serious and they need to refund the {$300.00} immediately. The company response shouldn't be I'm not sure.

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 2016-11-07
Company: Seterus, Inc.
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On or about XX/XX/2016. I received a letter from Seterus, Inc informing me that my property taxes are delinquent and need to be paid by me. In previous years Seterus has been paying property taxes on my behalf through XXXX. So far I have called Seterus and XXXX to assist me and no one was able to explain to me why the property taxes had not been paid even though there is an escrow on my account. The individuals I spoke with could not find any documentation that any type of communication had been sent to me. I have not received any communication that I would be responsible for my own property taxes, nor any communication on the status or changes in the escrow account. I have filed a complaint in recent months about Seterus and their claim that I was behind in my mortgage payments which has since been resolved. At this point I would like to file a formal complaint that Seterus is not properly maintaining my records as it pertains to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage payment went from XXXX to XXXX as of XX/XX/2019. I applied for a loan modification and my mortgage company denied me and said the payment is affordable. which it is not. All I am asking is for them to extend my loan into a 30 year so my payment is affordable. 

I am going through a divorce, and just got into a car accident which is actually costing me additional money. I filed a compliant with CFPB and it was denied again. I need help on the mortgage and i feel like the only way to get it is to go into foreclosure and i do not want to lose my home. 

I have updated my expenses with more accurate information. Please review Grocerys XXXX utilities XXXX Car insurance XXXX  daycare XXXX gas for car XXXX home maintenance XXXX alarm XXXX cable XXXX cell phone XXXX credit card and car payments child support XXXX a month. 
IRS repayment plan XXXX a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Every time my wife and I request credit reports from TransUnion, they come up with some sort of problem with one or both of them. Their website is also non-functional. We do not have these issues with the other bureaus. 

This time ( request submitted XX/XX/21 ), they sent my wife 's report when requested, yet for my request, I received a letter on XX/XX/21 saying they were " unable to locate credit report ''. This was despite my supplying them with everything on their paper form - name, address ( where I have lived for 15 years ), SSN, and birthday. I wrote back, sending another request form, informing them that I DO have an existing credit history, and that the same week both XXXX and XXXX were able to provide me their versions of my credit report with exactly the same information I mailed to them. 
There is no excuse for them not being able to find my records in their system. I informed them that I would be filing this formal complaint if I did not receive my report by XX/XX/21 ( this letter was mailed XX/XX/21 ). The report has not been received.

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 2022-11-21
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: Information belongs to someone else

Complaint:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: PNC Bank N.A.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
XXXX XXXX of PNC Bank, Executive Relations Division did not give me a reason why my business account was shut down-closed on XXXX separate occasions, causing numerous checks to be returned and electronic checks to go unpaid. The bank has not shown anything in writing where they compensated me for the fees that they caused because the account was closed. XXXX XXXX has taken it upon herself, after several attempts at explaining the situation, but she choses to be judge, jury and executioner in this matter. 
I have copy of correspondences where I have asked her to get the details rights and act appropriately, but she has not. PNC Bank is not acting in a fair manner, and I have not been given due process. The company along with XXXX XXXX has not acted in a way in which they are trying to assist and help small businesses. I feel the bank is liable for all the inflicted suffering that they have put the company through. I would also like to inform you that the Merchant 's Account was also shut down causing deposits to " not go into the account '', thus causing chaos and monies not being deposited in the business account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-31
Company: PNC Bank N.A.
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened an account at PNC Bank several months ago, and at the time was told that if I established a regular direct deposit, I could avoid the monthly service charge. However, while trying to setup XXXX XXXX, I discovered that I was being charged {$25.00} each month. At that point, I explained to the service person ( XXXX XXXX ) on the phone that this was not what I was sold initially, and she mentioned that that I actually needed to keep a minimum balance of {$500.00} to avoid the fee. Therefore, and in order to continue to incur charges, I asked for my bank account to be closed. However, I was put on hold literally for 49 minutes as the bank representative was trying to close the account. Then, the bank representative came back, and informed me that she needed to escalate the issue to the Retail Escalation Division ( XXXX XXXX ), since apparently she was unable to close the account. Bottom-line I believe that the bank representative was giving me the run around, and hoping that I hang up without closing the account. Finally, and 68 minutes into this call, I told the bank representative that I was going to hand up, and expected the account to be close immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the accounts that needs to be removed in my file : XXXX XXXX XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXX XXXX : {$38000.00}.

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 non-monetary relief
Consumer complaint received 2022-11-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Ive contacted the company multiple to prove the validity of the loan. This is not mine and was done with out my knowledge. The account number is 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 2016-11-04
Company: VALLEY NATIONAL BANCORP
State: AR
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XXXX XXXX at XXXX and XXXX my ATM debit card was used at an ATM located at : XXXX XXXX XXXX XXXX XXXX TX , twice in a row to withdraw XXXX each transaction at this time I was at work at XXXX , Ar XXXX from XXXX CST a XXXX hour and XXXX XXXX XXXX or XXXX hour flight from the location of the transactions my card was in my possession and I have not shared my pin with anyone I have attempted to contact my bank multiple times and been told I must come into a branch to make a dispute I have thoroughly explained I do not live within XXXX miles of a branch and can not come into a branch I have offered to have the forms emailed or faxed to me so that I can complete them I have filed a police report and my bank is just telling me " too bad because it is not their policy to email or fax the forms regardless of where I live '' I have exhausted all other means of resolving this so I am just making a complaint at this point to hope you guys can help me to get my bank to listen and assist me with these fraudulent charges. The police report number for XXXX XXXX is : XXXX taken by XXXX XXXX over the phone the same day of the transaction if you would please reference my attached screenshot of the transaction as well as my time sheet showing I was there.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-25
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I sent copies to Equifax to dispute XXXX 30 days late from XXXX. It clearly shows that I made my payment and collected by the end of 30 days. Dispute all of these copies of proof they would not correct the problem. The law states that consumers has 30 days to make payment before it is reported to credit bureau. This ensures that the consumer is protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX a purchase was made for {$6000.00} for the merchant XXXX on my XXXX XXXX XXXX XXXX XXXX credit card. This merchant appears to be the university XXXX XXXX. I live in Texas and have never been to XXXX, this is clearly fraud. I contacted the company to report this by phone numerous times ( hard to recall how many, but it was at minimum 4 times ). Each time they told me they would investigate and call me back, but I don't recall getting any calls back. I ended up closing the account because I was afraid of more fraudulent transactions. I called again on XX/XX/XXXX to inquire into the investigation. This time they say that the transaction was made by my son, and that I am liable for the charge. This is also ridiculous, my son has never even been to XXXX. He also had no access to my card at the time, not to mention he would never do this in general.

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 2015-06-05
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I can not get my credit report accurate Equifax. They have erroneous security questions and continuously block my online access, no matter how many times i fax them my drivers license, the questions they pose have absolutely nothing to do with me, thus I can not enter the file or online dispute process. I do not have this issue with XXXX or XXXX. My credit score with XXXX and XXXX is near XXXX and XXXX has it listed at XXXX, it dropped over XXXX points in the last month alone. When I was able to finally view my equifax report, none of my new accounts were listed and none of the information I had disputed has been removed from my Equifax report. 
I have tried contacting Equifax to no avail. No resolution. I would like my Equifax file to be corrected or at least a ) have the ability to access it b ) have Equifax actually make the corrections it needs to. It should mirror the other reports but it is so far off it looks like someone else 's credit report. 

I am seriously considering suing Equifax for interfering with my Business plans as their inaccuracies are causing me to be denied credit unjustly and I plan to purchase another vehicle and I want a correct and accurate report by that time which is 90 days from today.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Received two letters from XXXX stating that my accounts with XXXX were being sold to a collection agency XXXX. Acct ending in XXXX had a balance of {$3300.00} and acct ending in XXXX had a balance of {$3400.00} according to the letters. I reviewed my credit report with the XXXX credit Bureaus XXXX, Equifax and XXXX and noticed that the amounts and dates reflected on my reports were different than what the letter stated and that XXXX was also reporting as a separate account from XXXX on my XXXX report which made it seem like I had XXXX past due accounts instead of just XXXX. XXXX reports shows as follows : XXXX acct ending in XXXX balance {$3600.00} opened XX/XX/XXXX, XXXX acct ending in XXXX, balance {$3500.00} opened XX/XX/XXXX XXXX acct ending in XXXX balance {$3100.00} opened XX/XX/XXXX XXXX acct ending in XXXX balance {$3100.00} Equifax shows both XXXX accts the same as XXXX but no XXXX accts. 
XXXX shows no XXXX accounts but the XXXX shows as follows : XXXX acct ending in XXXX balance {$3500.00} opened XX/XX/XXXX XXXX acct ending in XXXX balance {$3100.00} opened XX/XX/XXXX None of the amounts reported to the credit bureaus match the amounts listed on the letters I received in the mail from XXXX. I never signed a contract with XXXX and my account with XXXX was included in a chapter XXXX bankruptcy that was filed XX/XX/XXXX so my account should not have been transferred or sold to XXXX or submitted to the collection agency XXXX. The inaccurate reporting done by XXXX and XXXX has made it very difficult to acquire new credit and has tremendously effected my credit scores with each reporting agency. I demand all accounts be removed from the XXXX bureaus as they are inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 sent a letter on XX/XX/22 to 3 credit bureaus to remove erroneous accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$760.00} ; XXXX XXXX XXXX XXXX Balance : {$570.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$270.00} XXXX XXXX XXXXXXXX Balance : {$80.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00}

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 non-monetary relief