BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-07
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: NV
Product: Payday loan
Issue: Can't contact lender

Complaint:
XXXX Credit Bureau informed me via CFPB # XXXX that Cash Central failed to notify their request for a removal of XXXX Hard Inquires which continues damaging my credit score. 

Cash Central representative XXXX XXXX, ( phone XXXX XXXX send me a letter on XXXX/XXXX/15 stating that a request to remove the XXXX hard inquires was sent XXXX. 

According to the response receive XXXX, as of this date, Cash Central have failed to comply with their request to remove the XXXX hard inquires which continues damaging my credit score. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I tried to get a credit limit increase on one of my credit cards today XX/XX/2020 but when they ran my credit, I was told that I was not eligible for a credit limit increase at this time due to an account in negative standing appearing on my credit report. I looked at the credit report that they pulled and I saw an account from a company called XXXX XXXX XXXX XXXX. This account is not mine and I did not allow anyone to open it in my name using any of my personal information. I do not have any written or verbal contract with that company and I never allowed them to run or access my credit information. I did not benefit anything as a result of this accounts being opened in my name such as money, goods, services or any other benefit nor did I contribute to any payments that might have been made towards this account balance. I filed a complaint with the CFPB as well as a police report regarding this suspicious 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 2016-01-26
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Payoff process

Complaint:
On XXXX XXXX, 2015 my bank sent out a check to Old Navy and paid the entire balance of {$1300.00}. The statement was sent from my bank and showed the check number, date cleared, etc ( it cleared on XX/XX/XXXX ). Since the beginning of XXXX, I 've been desperately trying to get this resolved! I 've been given the runaround by both Old Navy AND Sychrony Bank. It had even gone as far as them giving me phone numbers and fax numbers that do n't exist. I have tried faxing my bank statement showing the payment made over XXXX times and have called about XXXX times. Now, I 'm receiving a letter through mail that they are charging me late fees and sending me to collections for non-payment. Please help me! I 'm losing sleep over this because I do n't want my credit to be ruined.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-24
Company: Ditech Financial LLC
State: MS
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We are currently paying a mortgage with a 11 % interest rate and the property is under water. We have repeatedly tried to seek a modification with Greentree but they are not sending us the required documents to submit or they are not responding at all to our requests for assistance. We have been struggling to pay the XXXX monthly payment for over XXXX years and really need assistance at this very crucial time. Greentree has avoided us for over a year and we are desperately in need of assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
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:
According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 15 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. After multiple disputes Equifax XXXX and XXXX Credit bureaus are currently still reporting XXXX XXXX XXXX XXXX  an inaccurate account on my report such as multiple inaccurate names and addresses that are not mine, account status shows Last reported date is inaccurate, Date of Last Activity is inaccurate, Date of Last Payment is inaccurate missing data and a Collection/Charge-off reporting a balance. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. Equifax, XXXX and XXXX are not practicing Metro 2 Compliance? These are clear FCRA violation and is grounds for immediate deletion. 

Under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly DELETE all inaccurate information. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I tried to get a credit limit increase on one of my credit cards today XX/XX/2020 but when they ran my credit, I was told that I was not eligible for a credit limit increase at this time due to an account in negative standing appearing on my credit report. I looked at the credit report that they pulled and I saw an account from a company called XXXX XXXX XXXX XXXX. This account is not mine and I did not allow anyone to open it in my name using any of my personal information. I do not have any written or verbal contract with that company and I never allowed them to run or access my credit information. I did not benefit anything as a result of this accounts being opened in my name such as money, goods, services or any other benefit nor did I contribute to any payments that might have been made towards this account balance. I filed a complaint with the CFPB as well as a police report regarding this suspicious 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 2020-10-04
Company: EQUIFAX, INC.
State: MA
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:
How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
Company: AES/PHEAA
State: MA
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:
How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Experian is releasing my credit information to those without authorization. 
XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NJ, XXXX XXXX, Chief Financial Officer, XXXX XXXX XXXX, specializing in VA mortgages pulled my credit 6 times in the last year. Most recent pull XXXX/XXXX/2016. I have no relationship with XXXX. I have never heard of XXXX until seeing them on my credit report, pulling my credit. I have never authorized XXXX to pull my credit. 
XXXX XXXX XXXX, XXXX, XXXX, VA XXXX, XXXX XXXX XXXX pulled my credit XXXX times. I have no relationship with them and they are not authorized to pull my credit. 
XXXX XXXX XXXX XXXX, XXXX, MT XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX has pulled my credit without authorization 4 times over the past year. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, TX XXXX has pulled my credit without authorization most recently XXXX XXXX, 2016. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX was permitted to pull my credit twice without authorization. XXXX XXXX XXXX XXXX XXXX pulled my credit XXXX times without authorization. I have no relationship with 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 2020-10-04
Company: Experian Information Solutions Inc.
State: MA
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:
How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

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 2016-10-28
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX this year ( 2016 ), my wife and I submitted our mortgage payment on time. With a 5 week month coming up, we wanted to stay ahead on our payment so we paid 1.5 times our mortgage payment. Later in the month, we received a check from PNC, with no explanation or reasoning for the check. Thinking it was because of an " overpayment '' we cashed the check. About a month later, since my wife runs a business, she checked her credit and found that her credit had dropped due to a " late '' payment reported from PNC. Come to find out, PNC made a mistake by mailing us this check, so after we cashed it, PNC reported it as a late payment on our end. After multiple phone calls into PNC, they admitted it was their fault, that they should not have sent out the check to us, and that we just needed to write a letter explaining the situation to them and that PNC would decide if they were going to remove the late fee or not. My wife submitted the letter to them, no response. Come XXXX XXXX, 2016, my wife and I are trying to apply for a new home loan to move into a new house and sell our existing XXXX. After running a credit report, our lender found that the " late payment '' was still showing up. We contacted PNC, they stated they had mailed us a letter stating they only had to report " accurate '' information and they were not going to remove this from our credit report. I want to know how they have to report " accurate '' information, but they do n't report that this was their fault, which is clearly is and they admitted it was their fault. I was PNC to work to get this removed from our credit, as it is hindering my wife 's business and hindering my family by not allowing us to get a new loan for a new home. Researching online this is a very common issue with PNC and I feel it is not fair, accurate or ethical to ruin people 's credit because they are sending customers checks that they should not be sending out. This is a terrible business practice, PNC I feel is unethical in this regards. I have been current on my mortgage for over 3 years, I make a payment for MORE than my mortgage, and no my wife 's and my credit gets hit hard. Even when calling PNC prior to them stating this as a " late fee '' PNC representative told my wife that everything was current and up to date. If they would have mentioned anything about this, we could have easily corrected it at the time and our credit would not have taken a hit. I think PNC should work to correct their own mistake and remove this false " late payment '' hit from my wife 's and my credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: SYNCHRONY FINANCIAL
State: RI
Product: Credit card
Issue: Other

Complaint:
Paypal smart connect was impacted by fraud/unauthorized access. Previous complaint with consumer finance filed. No I longer have access/see my account online. I have ceased getting statements/have no record of the account or what the current balance is. 

The account is compromised, and I 'm not sure what portion of the balance on the account is even mine at this point. I 've been cut off from managing it and XXXX ( and its partner bank ) are non responsive. 

I need to know the status of this account and I need to make sure that any late status on this account is n't reported as my fault as I am currently unable to manage/access the account. 

Account number : LAST XXXX - XXXX ( Not really a credit card, but a line of credit linked to a XXXX account that ONLY works with a XXXX account XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-04
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Nissan Motor Acceptance is incorrectly reporting to credit bureau my car loan information. My original balance information I purchased car for in the amount of {$23000.00} with monthly payments due {$330.00}. NAMC also reporting inaccurate information that my account is in deferred status on ongoing basis, regardless the fact that monthly payments were made in XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX. When I file request for correction their response is totally irrelevant and instead they are writing response regarding lifetime loan history ( which is irrelevant from my current issue ) but avoiding answer to actual issue which is current payment history from XXXX till XX/XX/XXXX and not being in ongoing deferred status. NAMC had option before when there is beyond control circumstances to take advantage of extension where payment is moved to the end of the loan and I have taken this option while struggled either with natural disaster in XXXX and/or medical illness, they always reported those extensions as current to credit agencies, there was not an issue then at all. As of result of COVID 19 and many Government agencies were under lockdown and my employment experienced hardship, NAMC offered extension for my account for the month of XXXX and XX/XX/XXXX. I did appreciated this help and my account was brought to current status in XX/XX/XXXX and I resumed payments as of XX/XX/XXXX paying out of my packet. In their letter to XXXX is confirmed that those payments were made on time, whatever they failed and continue to report correctly to credit agency XXXX as requested and required according to FCRA act. This is causing me hardship with not only for me to move forward with my contracts but also to obtain any credit ( especially auto loan ). I am trying to rebuild my credit also and its crucial that my account is reported accurately. I request that NAMC report original loan amount of {$23000.00} with monthly payments of {$330.00} with current balance of {$6400.00} as well report current payments from XXXX till XX/XX/XXXX and remove Deferred status as this is not accurate. This is really causing me emotional and financial distress. I am hoping that this time someone will look at this issue and help me resolve it once for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Account : XXXX XXXX / XXXX XXXX XXXX XXXX Account : # # # # # XXXX Not my account *** Delete it immediately *** XXXXXXXX XXXX Account : # # # # # = {$870.00} Not my account *** Delete it immediately *** Inquiries : XXXX XXXX, XXXX XXXX Never Authorize - *** Delete it immediately ***

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I obtained a single-use security freeze lift PIN from Experian and provided it to XXXX during a credit limit increase process. XXXX told me the PIN would not work for them to obtain access to my credit report. I then paid {$10.00} to temporarily lift the security freeze from my credit report. XXXX says they still can not view my credit report. The freeze is in place as a result of the Federal OPM data breach. How do I obtain credit if Experian will not honor what is published on their web site?

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 2020-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

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 2020-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Identity theft

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 2020-03-06
Company: Credit Wise Recovery Solution LLC
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: Account status incorrect

Complaint:
XXXX XXXX XXXX has no reported that my bill has been up to date for over a month. Credit score has dropped twice due to false reporting from company. Company also calls me up to 4 times a day. I pay double the minimum payment.

Company response to consumer: Untimely response
Consumer complaint received 2020-10-04
Company: First National Collection Bureau, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX I paid it on XX/XX/2020, they never send me an email or a letter like they promised. It is still on my credit as bad unpaid, they said it would be off by XX/XX/XXXX th XXXX it is still there. Please help me! I am a XXXX XXXX and I want to buy a house. But this is stopping me. Thank you. Ps now it was send to another creditors First National collection Bureau inc

Company response to consumer: Closed with explanation