BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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: Other problem getting your report or credit score

Complaint:
I'm thinking I'm the only person with three credit profiles first credit profiles ( XXXX ) ( XXXX ) ( XXXX ) and was set up my EXECUTOR and ADMINISTRATORS us government and FDIC XXXX XXXX so I FIRED the bankers I have perfect credit on all but one when the ex-wife broken into my house i file a police report with XXXX XXXX XXXX police department On file if needed

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 2022-08-03
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am a co-borrower on a loan for a new car that my sister purchased in XX/XX/XXXX. The payments for this loan have been paid on time every month up until now with the exception of a late payment in XXXXXXXX XXXX XXXXXXXX. We were both unaware of this late until I was alerted to a change in my credit score in XXXX XXXX XXXXXXXX. When I reviewed my report and discovered the late payment, I contacted my sister who then contacted Nissan Motor Acceptance Corp ( NMAC ) and they discovered that the late payment was a result of the bank not properly processing the payment. We were never contacted by NMAC in XXXX or thereafter regarding the missing payment. Not by phone nor in writing. The payments that were made each month after XXXX were applied to the previous month. I contacted NMAC in writing in XXXX after discovering the reason for the late payment and asked that they remove the late payment since they never contacted us back in XXXX or thereafter to give us an opportunity to make the missing payment prior to reporting a late payment to the credit bureaus. They wrote me back in XXXX advising that they understood the reason for my request but would not remove the late payment. I think it is unfair of them to report a late payment on our account when they never tried to contact us to make the account right prior to reporting a 30 day late payment to the credit bureaus. The account has always been in good standing and we would've corrected the issue right away had we known there was an issue. I would like the late payment removed from the record and confirmation that should any issues with the account arise in the future, that we be contacted first.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Truist is sending me bogus letters related to insurance. They failed to pay my insurance and I ended up paying. I paid a {$45.00} fee for a gap in insurance. I reinstated my insurance on XX/XX/XXXX. The gap was XX/XX/XXXX- XX/XX/XXXX. So as of XX/XX/XXXX, I was covered. 

On XX/XX/XXXX they sent me a letter saying that I had no coverage and they were taking out coverage and charging me {$900.00} for this coverage. This makes no sense since the insurance coverage was solved on XX/XX/XXXX and the letter was issued XX/XX/XXXX. Additionally, I talked to them on the phone in early XXXX to pay the {$45.00} and make sure all was correct and accurate. 

In the letter, they sent they listed an old phone number that does not function correctly. it leaves customers in an endless loop where you can't get in touch with a human. The wrong number they listed on the letter XXXX there is no way to talk to a human from this number. Ins spite of trying all the menu options to get to a human I kept getting cut off. I spent several hours trying to get through. I ended up calling 4 other XXXX numbers for Truist before I got a human. That person ( in mortgages ) was able to get me a functioning phone number. She explained to me that the letter was 'system generated ' and that is why the number did not function correctly. How can they send out a letter that has a useless number? 
the new number she gave me was XXXX My primary complaint is that Truist makes communication near impossible for any normal person with work they need to do during the day. It is very costly to take half a day off of work to spend time trying to get through by phone. 

In the end, I finally got a human and they confirmed that the letter was in accurate. They have my insurance information there is no additional {$900.00} to spend. I lost my entire morning chasing this information down. How do they get fined for creating such duress and needless lost of work time and wages for me to solve a problem they created? 

How would this work for a single mother with shift work where she could not take time off to call Truist to find out they sent a bogus letter?

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 2022-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello, I got crypto scammed badly and I am trying to return money. I lost around {$2300.00}. 
My bank is a Bank of America. 
Transactions : XXXX : {$200.00}, {$300.00} XXXX : {$250.00} XXXX : {$300.00} XXXX : {$500.00}, {$400.00}, {$300.00}, {$200.00} What happened is that I got scammed, I downloaded a XXXX exchange apps called XXXX and XXXX and started using it because I was added into a telegram channel of XXXX XXXX where they send XXXX alerts. At first I didnt trust it, but then I looked up a XXXX XXXX and it seemed to be legit. I started transferring into XXXX and then from XXXX into XXXX. I realized later that my money just started dissapering from my XXXX account. It was too late I already lost {$2300.00}. I filed a claim to the government agency, they told me you can help me return money. I am very hopeful that you will be able to help me. 

Thank you, 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 2022-10-25
Company: EQUIFAX, INC.
State: NC
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  my social and driver license was stolen as a result the individual used my personal information to obtain a property and rent a vehicle causing me to be arrested and charged for a crime I didnt do. I was unable to work and finally got the charges dismissed but the rental company was unable to provide specific information about the person who rented and how they were able to pass requirements to rent without verifying information. I noticed in XXXX they are some accounts in other states and I have never lived anywhere but XXXX nc. I need help with getting this creditors removed and getting my identity back. Earlier this year they used my name to obtain a temp job and I want to know how they have a valid identification card in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: Experian Information Solutions Inc.
State: MO
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 called the 3 major credit bureau to dispute a series of inquires that were all reported on the same day. I called the bureaus and they said they were not able to help me and I needed to call each of the people that were reporting the inquiry. When I contacted each of the companies they some of them told me they were not able to pull up my information and that I needed to speak with the credit card bureau. And the rest of them said that I needed to submit a dispute with the credit bureau 's. 

All are reported on XX/XX/17 XXXX XXXXXXXX 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
Consumer complaint received 2022-10-25
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have an FHA loan that currently has escrow that includes a Mortgage Insurance Premium and I have requested that it be removed. My current loan balance is {$330000.00} and I have a 3.25 % fixed interest rate. I have not received a formal appraisal but neighborhood comps list my property value at {$510000.00}. The loan servicing company, PennyMac tells me that even with an appraisal, I must pay FHA Mortgage Insurance Premium for the full 30-years unless I refinance. To refinance would cost me more in the long run and I do not see this as beneficial.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: GOLDMAN SACHS BANK USA
State: MA
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: Card was charged for something you did not purchase with the card

Complaint:
Goldman Sachs has on 3 separate occasions taken withdrawals out of my checking account for what are for myself large sums of money. 


Customer service has not been helpful in resolving the issue. These unauthorized transactions have caused my account to be overdrawn and I have incurred fees from my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Paypal Holdings, Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/XXXX XXXX  XXXX XXXX purchased some household items from my wife and I. On the drive down from XXXX XXXX he lost his checks. He asked if we would accept Paypal. We agree and he added {$70.00} to the agreed upon {$2000.00} for the household goods. When my wife went to withdraw the funds XX/XX/XXXX she received an email from Paypal asking her if the goods had been shipped. She told Paypal the goods were picked up in person. Paypal then sent XXXX XXXX XXXX an email verifying this information. XXXX XXXX XXXX verified the information to be accurate. Paypal then informed my wife their would be a 4 day hold put on the funds. XX/XX/XXXX my wife tried to withdraw the by having a check mailed to her, to only receive a " Link a Bank Account " response. She then tried to link XXXX XXXX XXXX XXXX  and XXXX XXXX  accounts to Paypal. Neither institution responded to Paypal before the " ping '' timed out. She tried multiple times and failed at each one. I contacted Paypal XX/XX/XXXX using their " chat '' feature to fix the problem. I was given 3 different ways to fix the problem. None of them worked. I then sent an email to XXXX XXXX asking for his help. XXXX from the Executive Office tried to call me twice. I've sent him three email this week. I still can't get my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-07
Company: EQUIFAX, INC.
State: KS
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:
XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX 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 1681c. ( a 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information An other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX XXXX/ XXXX account XXXX XXXX ...., TRANSUNION XXXX XXXX XXXXXXXX XXXX account XXXX XXXX ... XXXX account # XXXX 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

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 2023-01-29
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
this XXXX XXXX XXXX account is attempting to claim that i owe {$14000.00} debt that i have never even heard of. this account has been furnished on my credit file without my authorization. i XXXX XXXX XXXX have never signed any contract or attended any XXXX XXXX XXXX purchase. i have never given XXXX XXXX XXXX authorization to create an account and start billing me for i have never utilized any services or accomodations by this company and i need this account to be removed from my credit file immediately. i contacted westgate resort and they told me i needed to contact the credit reporting agency to handle it they can not do anything to verify that the debt belongs to me. being that i did not authorize or use this service i do not authroize this to be reported on m credit file as an account that i agreed on because i didn't. this debt needs to be investigated and removed for fraudulent activity. 

based on Section 623 ( b ) ; 15 U.S.C. 1681s-2 ( b ) you where supposed to XXXX report the results of the investigation to the consumer reporting agency ; i never gotten any verification that this debt is accurate and belongs to me so the result of that action not taken place being that i have not been provided with proof or evidence that the debt belongs to me then XXXX if the disputed information is incomplete, inaccurate, or not verifiable by the person, it must promptly, for purposes of reporting to the consumer reporting agency do XXXX of the following : a. modify the item of information. 
b. delete the item of information. 
c. permanently block the reporting of that item of information. 

update my credit file immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: EQUIFAX, INC.
State: NC
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:
Complaint # XXXX. 
Equifax still has not removed a identity theft inquiry from my report : XXXX. I have provided all the documents per your request multiple times. 

Compliant # XXXX. 
Equifax is reporting two Accounts on my credit report that do not Have account names and they do not have the original creditors names. 

And both bogus accounts do not have any other required information and this is damaging me! 

Remove these two accounts and receive that identity theft account at once! 

And you are listing the two accounts as the same account number!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico 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 XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three 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 60days 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 year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
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: Was not notified of investigation status or results

Complaint:
I contacted Equifax in regards to a company, called XXXX XXXX XXXX XXXX that has listed a payday loan on my credit report for $ XXXX.I told them this should not not be on my report.I never received any response from them in them in regards to my dispute, it has been more than 30 days.I also told Equifax, that I had paid this loan, more than I owed these people, and I donot owe them any money, apparently they did not do an investigation.I am not sure of the exact date, I contacted Equifax, except in was in XXXXXXXX XXXX, it is now XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: Peer Advisors, LLC
State: MI
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is XXXX XXXX I have tried for several months to obtain information on reverse mortgage that I obtained in XXXX to date I have not received a monthly payment amount due, or a balance. Upon inquiry online I have my loan numbers and account number and no documentation, is produced, I ve read where several lenders who have purchased loan but no information to be located., on the alleged loan I have loan number XXXX XXXX  Account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: Veros Credit, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been neglected by a credit loan company goes by the name of Veros Credit LLC I applied for a car loan and purchased a used car in 2018 Upon getting close to the end of the loan unfortunately I been involved in a car accident and because of that reason the company and me had to submit a settlement reducing the amount owned from XXXX to XXXX lowering my payment from {$510.00} to {$200.00} a month unfortunately I noticed later that I continue losing credit score as the account continue to stay open when the finance manager did a the settlement to close the account but they aren't reporting the credit Bureaus about the settlement or about the account been closed they have the account open at XXXX when the settlement is only owe XXXX and this bringing negative activity and so I keep losing credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: Professional Debt Mediation, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has tried to collect an unverified debt I have tried to solve this matter with the company several times and was actually advised by one of their former employees that they try to collect extra payments from past tenants after they lawfully finish their lease. They have sent over copies of another customers lease agreement and contact information. I am a XXXX veteran who has been unfairly taken advantage of and i need help this company deserves to be fined for trying to take advantage and overcharge consumer with fake charges.

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 2022-12-28
Company: EQUIFAX, INC.
State: FL
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated 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 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 response to consumer: Closed with explanation