BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-14
Company: Experian Information Solutions Inc.
State: WY
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:
I opened a account with XXXX  XXXX, ( XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX ) they are the ones who turned this in to the credit agencies XX/XX/XXXX I had a PERFECT payment record until XX/XX/XXXX, towards the end of XX/XX/XXXX my Father was diagnosed with XXXX  XXXX XXXX I live in Wyoming I Immediately flew back to Indiana to be with my family he had a XXXX XXXX around the first of XX/XX/XXXX it didn't go good he died a couple weeks later on XX/XX/XXXX this was a Very traumatic event I can send death Certificate if necessary it was during this time for the first time EVER I was late when I got back to Wyoming the first of XXXX and immediately made my payment now is when my problem begins XXXX XXXX turned this into the credit reporting agency 's didn't know this unit sometime later when trying to acquire loan I contacted XXXX XXXX trying to explain my situation that's when the problem started they have lost my account, Number XXXX XXXX  XXXX/ XXXX were in the process of parting ways I was cought in the middle I contacted both XXXX and XXXX they have no account information I have been going through a credit repair program but this bad report is still on my Experian report I need it removed Please help 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 2022-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Also, It's already been paid the company agreed to removed/delete it. Please remove/delete the following accounts completely from my Credit Reports : XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}

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 2022-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please block/remove the following accounts completely from my Credit Reports : XXXX XXXX XXXXXXXX Date opened XX/XX/2021 Balance $ XXXXXXXX XXXX XXXX XXXXXXXX Date opened XX/XX/2021 XXXX $ XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/2021 Balance $ XXXX XXXX XXXX XXXX Date opened XX/XX/2021 Balance $ 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 2022-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
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:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please FIX the account completely from my Credit Report : XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/2006 Balance {$7000.00}

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 2020-02-28
Company: Dovenmuehle Mortgage, Inc.
State: NC
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:
Mortgage / Real Estate account is reporting incorrectly as closed. Should be Current / Paid, on time, with a balance of {$190000.00}. Attached is Dovenmuehle the creditor 's response to the Consumer Financial Protection Bureau, and North Carolina State Attorney 's General Office, stating that it's been reported to the three major credit bureau 's. Yet, this information has not yet been updated on my personal credit report, for over 90 days now this information has been incorrect, disputed, and still not reporting correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: PNC Bank N.A.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On  XXXX   XXXX ,  XXXX , I had a loss in my home and reported it to  XXXX   XXXX  ; which was my homeowners insurance carrier at that time. A gentleman came out to assess the damage by the name of  XXXX   XXXX   (  which you will find the estimate attached ), A check was sent to me from  PNC  Bank for me to SIGN ONLY AND TO RETURN THE SIGNED CHECK BACK TO  PNC  BANK  ( f or which I did in  XXXX  ).     Sometime in  XXXX  of  XXXX , I had the work completed and sent the necessary repair papers in the mail to  PNC  Bank  (  the first time I sent the papers in I never heard anything back from them ). I processed to call them and was told that they had not received them. I resubmitted the papers again and again ; and there was always a problem with  PNC  Bank kept losing or misplacing my paper work. The last time I resubmitted the paperwork was in  XXXX , it is now  XXXX  and  PNC  Bank is still holding my check.     I received a letter from PNC Bank on  XXXX   XXXX ,  XXXX , stating that they had just been notified of an insurance loss that happened in  XXXX . When I was told in  XXXX , that it was being held in a special account  (  the interest rate should be high for  seven years ).     I have looked everywhere for the paper work from seven years ago. Now that PNC Bank has transferred my account to    XXXX  , WHERE IS MY MONEY FOR MY LOSS??????     PCN put a lien on my home for {$5000.00} dollars ; since my account has been transferred ; did n't  XXXX  pay them off???

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Hello I filed a complaint in  XXXX  to have  National Credit  systems to remove a collections they have on my credit report. They agreed to remove the account however they said they removed the account but it is still showing on my credit reports I called the credit bureaus and they have n't received any information from National credit systems to remove this account on my report. I called national credit systems back and they 're not being any help.   XXXX   and   XXXX   f  ax said that once they receive the update to remove the account electronically it is removed instantly. I 've been calling them to have them remove this account since  XXXX  and I 'm getting the run around.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There is an account that is being reported on my Experian Credit Report that should not be. The account is as follows : XXXX XXXX Account # XXXX Sold To : XXXX XXXX XXXX. This account does not belong to me. XXXX XXXXXXXX XXXX XXXX filed a Civil Suit against me regarding this account. I did not know the source of their information on this account and due to this the case was dismissed in my favor in the XXXX XXXX XXXX XXXX XXXX XXXX of Georgia on XX/XX/XXXX. I mailed out 4 letters to Experian on the following dates ( XXXX, XX/XX/XXXX, XX/XX/XXXX ) requesting for the removal of this account with copies of the Court Dismissal. Each time Experian sent a letter back to me stating " that the company that reported the information has certified to Experian that the information is accurate ''. In my last 2 letters to Experian ( XX/XX/XXXX, XX/XX/XXXX ) I requested they provide me with the actual proof the information was verified, not a computer generated confirmation in accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D. I also mailed a letter to XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX requesting they remove this account from my Credit Report and received no response. I would like this account removed from my Experian Credit Report as it is highly injurious to my credit rating.

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 2020-02-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
I received an auto loan through Capital One Auto Finance in XX/XX/XXXX and consistently made my payments on time. During this time I went through numerous health issues, XXXX  and financial hardships but still maintained my obligation of consistent payments. 



On XX/XX/XXXX I purchased a new vehicle from XXXX XXXX XXXX and Capital One Auto Finance was contacted regarding a 10 day payoff amount. XX/XX/XXXX per the attached check Capital One received final payment for my loan. I called Capital One Auto Finance XX/XX/XXXX to confirm receipt of the funds and was told on numerous occasions that the check was not yet received ; in speaking to the representative I was informed that I would not receive a late payment reporting on my credit report because the check should be processed by end of month. 



I thought nothing else of it because on XX/XX/XXXX I received an email informing me my auto account was paid in full, however on XX/XX/XXXX via my credit monitoring service I was notified that my now closed capital one auto finance account was reported as 30 days late which dropped my credit score by nearly 100 points. I was reported 30 days late on XX/XX/XXXX the same day the loan was paid off. 



I am requesting that this late payment be removed from my credit file as it has significantly affected my credit record and payment was received prior to me being 30 days late and the end of the month which I was told by numerous representatives is the reporting day. I am purchasing a home in XXXX and this negative item could render that impossible, cancel my pre-approval and cause detriment in other credit areas. I have spent years working two jobs, sacrificing and paying off debt to rebuild my credit history only to have my score I raised from XXXX to over 700 diminished by this derogatory item.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have the Paypal MasterCard. Since I have had the card, each time I make a payment, my available credit is not updated in a timely manner. This occurs with each payment since obtaining the card, XX/XX/XXXX - XX/XX/XXXX. Each time, I have to call customer service and request that they update my available balance. The first time, they told me I had to wait 16 days. Since then, I usually wait 7-10 days before demanding the update. They always update it when I contact them. I just want it updated automatically in a timely manner. However, I have been told that the payment holds are system generated and can last anywhere from 48 hours to 21 days before being released. I have requested a supervisor to a system override if that is the case, and been told that is not an option. I reviewed the terms of usage for the card and there is no disclosure about such payment holds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: Convergent Resources, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Their was a Derogatory Remark about a Collection put onto my credit report with all   XXXX   credit reporting agencies. The remark indicates that I owe  XXXX  {$3800.00} and this account is now in collections.   - I have never had an account opened with  XXXX , and there is no credit account open on my credit report with  XXXX .   - I have also never been contacted by the collection agency, Convergent Outsourcing, about this or any other collection.

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 2020-02-28
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: Account status incorrect

Complaint:
I received an auto loan through XXXX XXXX XXXX XXXX in XX/XX/XXXX and consistently made my payments on time. During this time I went through numerous health issues, XXXX  and financial hardships but still maintained my obligation of consistent payments. 



On XX/XX/XXXX I purchased a new vehicle from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX   was contacted regarding a 10 day payoff amount. XX/XX/XXXX per the attached check XXXX XXXX received final payment for my loan. I called XXXX XXXX XXXX XXXX XX/XX/XXXX to confirm receipt of the funds and was told on numerous occasions that the check was not yet received ; in speaking to the representative I was informed that I would not receive a late payment reporting on my credit report because the check should be processed by end of month. 



I thought nothing else of it because on XX/XX/XXXX I received an email informing me my auto account was paid in full, however on XX/XX/XXXX via my credit monitoring service I was notified that my now closed XXXX XXXX XXXX XXXX account was reported as 30 days late which dropped my credit score by nearly 100 points. I was reported 30 days late on XX/XX/XXXX the same day the loan was paid off. 



I am requesting that this late payment be removed from my credit file as it has significantly affected my credit record and payment was received prior to me being 30 days late and the end of the month which I was told by numerous representatives is the reporting day. I am purchasing a home in XXXX and this negative item could render that impossible, cancel my pre-approval and cause detriment in other credit areas. I have spent years working two jobs, sacrificing and paying off debt to rebuild my credit history only to have my score I raised from XXXX to over 700 diminished by this derogatory item.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX  XXXX  TRANSUNION ALL IN MAJOR VIOLATIONS OF THE Fair Credit Reporting Act WONT FIX AN ITEM REPORTED TO THE POLICE OR FTC

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 2020-02-28
Company: Experian Information Solutions 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:
EXPERIAN XXXX  XXXX  ALL IN MAJOR VIOLATIONS OF THE Fair Credit Reporting Act WONT FIX  AN ITEM REPORTED TO THE POLICE OR FTC

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 2021-05-14
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/21 my bank statement shows a refund credit from XXXX in the amount of {$100.00}. The credit references my name and a number XXXX, which according to XXXX is my Wells Fargo account number that originally remitted the {$100.00} being returned. 
My legitimate Wells Fargo account is XXXX and is linked to my XXXX account and the account that received the refund. 
Wells Fargo denies the existence of account XXXX, despite my XXXX account receiving {$100.00} from 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 2020-02-28
Company: EQUIFAX, INC.
State: SD
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:
On XX/XX/2020, I applied for a personal loan to consolidate debt at XXXX XXXX Branch on XXXX XXXX ( XXXX XXXX, SD ). During the application process, the banker repeatedly asked me to sign, electronically, several documents ; none of which I could review until after she printed them. I have no idea if she added other documents and gave me an accurate description, then printed and held on to them for future use. This in itself is a poor business practice in a banking institution that is trying to recovery from massive fraud. On XX/XX/2020 XXXX XXXX sent an e-mail stating ; " Thank you for your XXXX XXXX Unsecured Personal Loan application. Unfortunately, we're not able to approve your request at this time. '' The e-mail stated I would receive a letter within 7-10 business days stating why I had not been approved. I did not receive the letter and have made multiple calls to XXXX XXXX getting the run around each time. I called Equifax and requested a copy of my credit report and as of this writing I have not received a requested credit from Equifax. I have seen several gang members who seem to be cozy with XXXX XXXX employees at this branch. Given the outcome what is to prevent them from approving the loan, then transferring the funds ( FICO score went down prior to loan application due to new accounting methods, but increased after loan was turned down )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Where to begin, My loan was originally obtained through  XXXX .  Carrington  bought the mortgage and immediately upped my payment ( Surpassing the maximum amount I am legally allowed to get a home loan for ) to push the escrow to the maximum amount. As this was sudden and unexpected I obviously started missing payments and making payments late while they were blasting me with fees. They were completely unhelpful in terms of me making partial payments and only wanted to sell me additional services which I can not afford. The website is shotty and most of the time and at least once every  2  moths I have  one  of the following issues.   - Does not work - Will require me to change my password - Will not let me reset my password - And does not send me confirmation emails when I make my payments - Can not find the link to make payments as it is very well hidden Which is suspicious because when you call they say its {$15.00} to make a payment over the phone. I finally got even on my mortgage and now they have decided to start charging me a {$5.00}  Convenience  fee to make my payment online which again I do n't think is quite legal.   Regardless this place is not on the level. Sign me up for any lawsuits out against these guys.

Company response to consumer: Closed with explanation