BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
The credit reporting agency reinserted a previously deleted item. the item was not verified by the credit reporting agency. TransUnion inserted the account on XX/XX/2017. The original creditor is 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 2019-12-12
Company: PNC Bank N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have a PNC Bank Checking account. I went into my local branch and requested a print out of all transactions! The print out from the Bank branch doesn’t properly list the payee with the amount paid from my account.I then contacted pnc/XXXX XXXX who later provided me with an accurate accounting contrary to what my branch did as attached. When I received the accurate accounting I found disputed transactions and notified them.They would not process the disputed transactions because “they were not timely notified. However, I relied on the inaccurate statements from my local branch which delayed my being aware of the disputed transactions!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XX/XX/XXXX late payment XXXX XXXX account Good afternoon and I hope all is well when you receive this email. I am writing to you in reference to an ongoing issue my husband and I have been dealing with, with XXXX XXXX. You see my husband is a XXXX XXXX % XXXX veteran who suffers from XXXX XXXX and a XXXX XXXX XXXX. I am his legal care taker and take care of all his finances as well. We have a XXXX XXXX account and over a year ago I had called the service dept to change the email from his to mine since we were set up for email statements. I had n't used the card for most of that year and did n't honk anything of it. I had used it back in XX/XX/XXXX I believe and was under the impression from your service dept that the email on file was mine from months prior contact with them. We get a phone call stating the payment is late, in which I had responded I had never gotten an email. They looked into it and said ny husbands email was on file. I know that it was overlooked on both sides and I should have followed up again when I initiated the original change. It slipped my mind and we were late. I asked if we could be forgiven for it and the customer service rep XXXX spoke to her manager and told us we would fine. That they reversed the late fee and that they would send an electronic notice to the credit agencies within 30 days. That was never done. I called today and spoke to a manager XXXX I believe, she told me nothing could be done because it was n't a banking issue. I expressed to her the issues and injuries my husband has and how it was supposed to be changed to my email address a year prior. She did n't want to hear it. I also told her XXXX made it clear that she got approval from a manager to fix it. That it 's on recording and XXXX said " even if it is there is nothing they could do. '' Im asking if you can please help us fix this issue. It is negatively affecting our credit and we are trying to purchase a home through the VA. Is thee anything you can do to help us? We appreciate

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: EQUIFAX, INC.
State: MN
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:
An account on my XXXX  credit report was disputed but I have not received the results of the dispute/investigation. The account number listed is XXXX and a balance of {$300.00}, with no other identifying information. This information is not valid and making it difficult to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18
Company: Paypal Holdings, Inc
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I sold a phone on eBay. The seller paid via PayPal. PayPal waited until I shipped the phone to the customer then froze my account because of a debt they claim I owed in 2004. I was never sent a letter about this account and they will not show me valid proof that this is my account. They are holding my funds in the account and will not release them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Company: Paypal Holdings, Inc
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I CONTACTED PAYPAL VIA THERE CHAT SERVICE ON XX/XX/XXXX AND SPOKE W AGENT XXXX AND ADVISED HIM THAT THIS LETTER I GOT IN THE MAIL DOES NOT BELONG TO ME. I UPLOADED THE LETTER IN THE CHAT SO HE COULD SEE IT AND HE ASKED IF THE EMAIL ADDRESS OF XXXX WAS MY EMAIL ADDRESS AND I SAID NO. I SAID I USE MY WORK EMAIL ADDRESS OF XXXX AS MY USER ID FOR PAYPAL. HE SAID HE WOULD SEND THE REQUEST THRU TO PAYPAL 'S UPPER MGMT AND THAT I WOULD GET A CALL AND TO THIS DAY XX/XX/2021 STILL HAVE NOT RECEIVED ANY KIND OF INFORMATION OR CALL FROM PAYPAL.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-17
Company: Selene Holdings LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We inherited this property and its mortgage when my father in law passed away. The mortgage holder, Selene Finance, stated that we could just continue to pay the mortgage. In or around XX/XX/XXXX, they offered us a forbearance package because we were behind due to Covid and desired to keep our family home. We completed all necessary documentation pertaining to this. We received notice that the forbearance had been approved and we signed ACH documentation granting permission for the payments to be automatically drafted from our checking account. NOT ONCE has Selene Finance drafted a payment from the account or offered reasoning as to why this was not done. Once we recognized that said payments were not being withdrawn from our account we began to mail them checks on the account. These were NOT posted to the account. We were not notified that they were NOT being posted to the account. After unsuccessfully attempting to contact them both via telephone and in writing, I finally got someone one the phone. I was initially told that the forbearance was missing signatures but XXXX ( representative whom I spoke with ) refused to tell me WHOSE signatures were missing! When I asked why we were NOT notified of this I was informed that they had sent notification to the estate attorney, who has already told them the estate has been settled and she is no longer on the case. Said attorney did NOT forward anything to us as she is no longer getting paid because the estate has been settled. I requested to speak with XXXX XXXX in the XXXX XXXX department because this is the signature on the letter sent to us. XXXX REFUSED to transfer me to XXXX XXXX. I essentially got NO WHERE with this representative. So, I called back and spoke with XXXX, yet another representative, who stated that we were in default and nothing could be done to help us. I asked him to transfer me to XXXX XXXX and was told that XXXX XXXX was at lunch but he would leave a message for him to call me. I have NOT received a call back from XXXX XXXX. Dealing with this company has been an utter nightmare since my father in law passed away in XXXX. Our desire is to KEEP our home! We have jumped through every whoop they have demanded and we are still be jerked around! They simply want our home! They do not do the things they state they will do such as automatically draft payments, post payments made on the account in a timely fashion, or work with their clientele. We NEED HELP IMMEDIATELY! ( You and Selene Finance have my consent to speak with my wife : XXXX XXXX, pertaining to this matter ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
As of XX/XX/2022 your credit score is 638. Credit scores range from a low of 250 to a high of 900. The key factors that adversely affected your credit score are : Ratio of balance to limit on bank revolving or other revolving accounts too high Length of time accounts have been established Lack of recent installment loan information Too many inquiries last 12 months As of XX/XX/2022 your credit score is 664. Credit scores range from a low of 250 to a high of 900. The key factors that adversely affected your credit score are : Ratio of balance to limit on bank revolving or other revolving accounts too high Length of time accounts have been established Lack of recent installment loan information Amount owed on revolving accounts is too high Too many inquiries last 12 months So the limit was lower creating a lower credit score.

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 2021-11-17
Company: EQUIFAX, INC.
State: MN
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Date Reported : XX/XX/XXXX RTN/ACCT # : XXXX / XXXX Original Charge Off Amount : {$32.00} Date Reported : XX/XX/XXXX RTN/ACCT # : XXXX / XXXX Original Charge Off Amount : {$240.00} Spoke to someone to request removal.

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 2016-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I over paid this credit card by {$350.00} when paying it off and they tell me after I contacted them that I can expect a refund check within 60 -90 days. This is usury. If I am even one day late in payment I get hit with interest and late payment fees yet they get to keep my money for up to 90 days! This is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-15
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XXXX thru XXXX Need letter for forgiveness/release for mortgage given for a mortgage loan we had thru GMAC mortgage ( now XXXX  ). This forgiveness paperwork was given thru GMAC mortgage via the XXXX  XXXX XXXX XXXX. 
This paperwork was never filed with XXXX  XXXX XXXX records to show the loan was satisfied and released and currently states no activity in XXXX  with last servicer as XXXX XXXX XXXX we need this paperwork so our title company can close our home sale. 
XXXX is bankrupt and the servicer XXXX XXXX XXXX is also bankrupt and we can not get any information or paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I had received advice from my previous lender to transfer my loan to XXXX XXXX to monitor my progress with the PSLF program. I did so in XX/XX/XXXX. I waited very patiently to have the number of qualifying payment calculated and uploaded on my account. When they were finally uploaded the numbers were drastically lower than they should have been. I have been making qualifying payments since XX/XX/XXXX with only a handful of months in forbearance due to delays in processing IBR eligibility and one late payment. Therefore my estimated eligibility date should only be a few months after XX/XX/XXXX. When I called XXXX servicing about this they told me it was likely due to a prepayment and they would recalculate my qualifying payments. By then it was XX/XX/XXXX and I was told it could take up to three months. Once the three months was nearly completed, I called and was told it would take three to six months. Today I called and I was told it could be up to nine months. In total I have waiting nearly a year and I have not received an accurate count of my qualifying payments. I understand there are many such requests but not having the staff required to service this loan properly is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-20
Company: Experian Information Solutions 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:
I have a disputed debt with  XXXX  financial that appears on my Experian Credit Report. After disputing the debt with the collection agency directly, they did not remove the account or mark it as disputed. Instead they referred the account to an attorney to attempted to use removing the credit trade line as a means of getting me to sign away my rights under the Fair Credit Reporting Act. Regardless of this,  XXXX  is willing to delete the tradeline in exchange for a release of your claims. Please let me know if you will accept this offer. Sincerely,  XXXX   XXXX   XXXX   XXXX ,  XXXX ,  XXXX ,  XXXX  After receipt of this e-mail I spoke with  XXXX   XXXX , managing partner of the firm who stated that offering to delete tradelines is a common practice their firm uses to avoid litigation provided the litigant agrees not to sue their client. This is complete abuse of the credit bureaus, inaccurate reporting and holding credit reporti ng hostage under the FCRA, and blatant violation of the terms and conditions of credit reporting.

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 2016-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I did a dispute on XXXX XXXX and I was told that it would take 30 days. 
I did another dispute on a totally different item on XXXX/XXXX/2016. I am now being told that the XXXX XXXX dispute will not be completed until XXXX/XXXX/2016 because they received another dispute during that time. This is unacceptable. The FCRA says that the CRA have 30 days to complete an investigation. If they can not complete this by XXXX/XXXX/2016, they should delete it. Enclose is the statement where they said it would be completed on XXXX/XXXX/2016.

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 2022-10-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
In 2021, I contacted CFPB because I assumed the credit cards I had opened were not being reported by the companies. I was wrong. 

They WERE reporting to XXXX, XXXX, and Experian, but EXPERIAN refuses to report the credit correctly. 

I have 8 open revolving credit cards. I have 2 cards with XXXX XXXX  XXXX, one with XXXX, two with XXXX XXXXXXXX, one with XXXXXXXX XXXX, one with XXXXXXXX XXXX. 

I have a line of credit with XXXX, as well as XXXX XXXX XXXX, which is over two years old, and almost paid off. 

None of these open lines of credit are being reported on Experian 's credit report. I have asked them over and over, and even spoken to a supervisor regarding this.

The credit score is XXXX points LESS than XXXX 's. This I can not understand. 

XXXX, the same. Why does XXXX report all of my credit lines correctly, and Experian and XXXX XXXX do not? I need help. 

I intend to fight to get this corrected because they are are deliberately hurting my ability to qualify to buy a home.

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 2022-05-14
Company: Nationwide Recovery Systems, Ltd
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
See my complaint to CFPB number XXXX I am a retired veteran and have three types of medical coverage. ( Nationwide Recovery Systems stated to me they were just given this account on XX/XX/2022 and is currently a debt they can legally collect on and I would suffer credit damage on a debt that is collectable. The claim that I owe XXXX XXXX XXXX XXXX medical bills which is not true! That collection agency has called me on repeated numbers, my work line, cell phone line and home number up to and including 7 times per day. I have repeatedly told them the hospital and XXXX XXXX XXXX XXXX are out of business and to send me an itemized billing for the dates of service and they can not provide such a bill/invoice. I have sent them a Cease and desist notice and they have not honored this request and continue to harrass me on a daily basis. Look up your claim number that this dispute was resolved and cleared off the books as a debt that I do not owe. I am 100 % covered through medicare, XXXX XXXX XXXX ( XXXX XXXX not an advantage health care ) and also a medically XXXX XXXX XXXXn the VA system. I have NEVER had a medical bill unpaid. Please once again assist me in stopping these unwarranted harassing phone calls. They can NOT produce an invoice and detailed billing per my phone call with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: Ditech Financial LLC
State: FL
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
A Deed-in-lieu ( DIL ) of Foreclosure was negotiated with my lender GreenTree and an acceptance of the terms was delivered on XX/XX/XXXX. In the acceptance letter, GreenTree stated that " Acceptance of this DIL is a " FULL '' satisfaction of this indebtedness. " on XX/XX/XXXX I ran my credit and noticed on XXXX Ditech Financial LLC., started to report me ( 3 years later ) as having a mortgage balance of XXXX which is incorrect and should have been shown a satisfied. I think this also is against the new debt collection law in Florida after a foreclosure, short sales or DIL regarding the collection period. Ditech is ignoring my request to remove this error in reporting even after I set them this information.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
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:
Hello I never attended this place /college

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 2017-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
This is my SECOND WRITTEN REQUEST. The unverified item listed below is still on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is not only mine but that it is correct. In the results of your first investigation, you stated that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? I requested copies of the original documents that you used to verify this account, and it has not been provided to me as required under Section 609 ( a ) ( 1 ) ( A ) & amp ; Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be deleted immediately. 

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