BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-22
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: Was not notified of investigation status or results

Complaint:
Equifax, XXXX, and XXXX violated the law by allowing the following 3 items below to be re-added to my credit report after they were removed without sending me proper notification. These items successfully removed, as of XX/XX/2017, but were re-added. 
The items are as follows : XXXX XXXX-XXXX XXXX {$670.00} XXXX  XXXX-XXXX XXXX  {$580.00} XXXX  XXXX-XXXX XXXX- {$530.00} In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Experian Report # XXXX XX/XX/18 Does not list my Former & Current Employers but on Report # XXXX Dated XX/XX/18 it list Employers Still missing since Report # XXXX Dated XX/XX/18 Nurse Finders & Staffing Plus I have even sent a copy of my XXXX and still no update this has been going on now for over 5 months with current Employers and Experian has not updated nothing. 

No Former or Current Employers showing on page 19 of 20 report # XXXX nothing showing End of report Current Employers : Staffing Plus Nurse Finders Starling Charities All other Employers are Former

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 2022-02-21
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022, there was {$4300.00} garnished from my joint account with PNC Bank without my authorization. 

I am personally not liable for the garnishment and have requested PNC Bank to release the funds several times, but they have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
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: Was not notified of investigation status or results

Complaint:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 33 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX ; XXXX  and Transunion are reporting incorrectly a charge-off on the XXXX XXXX  partial account number XXXX. ( Please see pages 12 and 13 of the attached credit report. ) I have suffered from XXXX XXXX XXXX XXXX due to an XXXX during combat and I dont recall signing any sort of agreement to open this account. This incorrect reporting of a charge-off is harming my credit score and this line item needs to be deleted from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

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 2021-05-11
Company: EQUIFAX, INC.
State: MO
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:
Equifax ; XXXX XXXX XXXX are not investigating the negative accounts reporting on my credit report. ( I have attached a copy of my Drivers License and Utility bill for identification purposes. ) I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when ALL of these accounts are in dispute. Collection - XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: Amsher Collection Services, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I went into XXXX to to open a family plan with three new phones on XX/XX/22. The process took longer than we thought so I stayed at the store while my Mom ( XXXX XXXX XXXX took my sister to her lesson. 

The billing was to be put under my Mom 's account which I provided her credit card and billing was immediately confirmed under her account. However we started receiving billing under my name. My Mom confirmed with XXXX that it was processed incorrectly and that all billing should go to her and it was confirmed to be fixed. 

I received a letter from " XXXX '' on XX/XX/XXXX that there was a balance of {$180.00} on my name. My Mom called XXXX and they confirmed that it had been rectified. Another letter came on XX/XX/22 stating that I now owed {$99.00}. My Mom called again and they said they didn't know why that one was sent at all but it was all fine. 

I received a call from XXXX  on XX/XX/22 saying they were the debt collection and confirmed my name and the last four digits of my social security number. My Mom called XXXX and talked to XXXX in Customer Service who said that the account listed was closed and there's nothing showing on the account and to go into a store and close the account with photo ID. I went into the store today and they said there was nothing to close as they didn't have that account number. 

I called into the customer service number they provided and talked with XXXX. I conferenced in my XXXX and XXXX confirmed that the account # XXXX did not exist under my name nor was there any outstanding bills for me. 

We then called XXXX and spoke to XXXX who would not verify who she was calling on behalf ( XXXX ) and hung up the phone on us when we tried to get more information as she insisted she needed to verify name and social security number before moving on. In fear, we decided NOT to provide that information and instead, file a complaint with your organization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: KEYCORP
State: MA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
i tried to withdraw XXXX and XXXX i was given a provisional credit and the money was wrongly takem back total XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: Experian Information Solutions Inc.
State: MO
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  Experian and XXXX  are not investigating the negative accounts reporting on my credit report. ( I have attached a copy of my Drivers License and Utility bill for identification purposes. ) I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when ALL of these accounts are in dispute. Collection - XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.

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 2021-10-27
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX atm was malfunctioning, I tried to cancel the deposit and get my check out when it asked me to manually enter the amount it would not allow. 
I then get a message that I would have to wait til XX/XX/XXXX for my paycheck to clear I then go inside the bank to a manager wh tells me that I would have to wait til midnight to aee if my check clears then he can call the writing bank and if it cleared out of that person 's account then they could call loss prevention My check clears always the following day and {$500.00} is available right then and there I have now been told while my family is sufferung financially from covid that my pay check will not be made available until XX/XX/XXXX which is about ten days not the seven they claim My family as no money to eat, our water and electric will be shut off because I chose to go to an ATM and put my check into my chase account I could have went anywhere What am.i suppised to do until then we have nothing at all but {$.00} in our account There has been XXXX  checks deposited in this account for over 10 years and a check has never bounced ever I was told by a rep XXXX yesterday there waa a hold and then when transferred to a mamager I was told there was not a hold his name was XXXX this is not a game but the way my family will survive

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a check from XXXX XXXX on monday XX/XX/22 and did a mobile deposit to my bank Wells Fargo on Tuesday XX/XX/22. They deposited {$400.00} into my checking account and said the rest of the money {$1800.00} would be deposited on today XX/XX/22. When I checked my account this morning they had taken the {$400.00} back and I could not understand why. I called Wells Fargo this morning and they said that XXXX XXXX did not release the funds to wells fargo. I called XXXX XXXX  as well and they said that everything was clear on their end and the funds were released. Wells fargo is now holding my check until next Thursday XX/XX/XXXX. I have bills that are coming out and need my money to be released as soon as possible. I have never had this happen before and have never had an issue receiving funds in a timely manner.

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 2021-05-11
Company: EQUIFAX, INC.
State: PA
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 think this is now my second or third request. They keep locking my online account so I can not view anything. I did call once, and they indicated there was an old email address on file, I said yes, XXXX @ XXXX that is an email not in use any longer, then they re-activated my online account, but low and behold I go to log in again, and get the same error message to call them, l call, they ask 20 questions then say I have to mail something, I feel this is harassment because I have filed complaints against them for unfair reporting, they are reporting my credit as poor, and I have stellar payment records. 
I originally had a paid account and couldnt access it, so I cancelled that, now I can not log in at all. I want my information reset, I am sick of this you are the only company who keeps locking me out of my account what is your problem really??? 
What a XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax ; XXXX and XXXX are reporting incorrectly a charge-off on the XXXX SB partial account number XXXX. ( Please see pages 12 and 13 of the attached credit report. ) I have suffered from XXXX XXXX XXXX XXXX due to an XXXX during XXXXt and I dont recall signing any sort of agreement to open this account. This incorrect reporting of a charge-off is harming my credit score and this line item needs to be deleted from my credit report. I have contacted the ( 3 )  bureaus to fix this, however I have not been successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-30
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: Account status incorrect

Complaint:
Inaccurate information on credit report. FTC violation

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 2022-03-30
Company: CARRINGTON MORTGAGE SERVICES, LLC
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: Investigation took more than 30 days

Complaint:
Carrington Mortgage is continually reporting my mortgage inaccurately to all three reporting agency. My mortgage is being reported as closed and included in bankruptcy. Account never closed and paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
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: Was not notified of investigation status or results

Complaint:
I do ask in light of the good standing relationship we have that you remove this 30 day late from my credit report and refund any late fees assessed on my account. 

I do not believe it is accurate and would rather not have to spend more time than necessary for both of us to resolve this situation. I appreciate your help regarding this and look forward to keep having the positive experience that I have had with you in the past.

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 2021-10-27
Company: Shellpoint Partners, LLC
State: NJ
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:
We purchased a home XX/XX/XXXX. Every payment was made on time. On XX/XX/XXXX my wife and I got XXXX. We have an online XXXX XXXX, the industry shut leaving us no way to produce XXXX. On XX/XX/XXXX I applied for a mortgage forbearance. Since I thought it would take some time I went ahead and paid XX/XX/XXXX. The forbearance was approved. Unbeknownst to me they started it in XXXX rather than XXXX, XXXX and XXXX. I didnt need the forbearance for XXXX since it was paid. I have made payment on time every month since the forbearance. They are now showing my account to be 30 days late and are charging me late fees. My credit score went from the high XXXX 's to the XXXX 's. My credit is impeccable I have not made a late payment in over 20 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
After getting behind on payments to  Navient  2 years ago, I agreed to a program for automatic payment withdrawal from my checking account, beginning on or around  XX/XX/XXXX . However, Navient attempted to make the first withdrawal 2 days before the agreed upon date. Before I was able to make a planned deposit, Navient had attempted the withdrawal at least 5 times, accruing NSF charges to my account each time. This action had a ripple effect, resulting in additional NSF charges accrued, as well as late and penalty charges, from other creditors. When I finally discovered the damage caused by authorizing the  Navient  withdrawal, I immediately cancelled that authorization.  <P/> Because of extended periods of spotty employment due to a weak economy, my cash flow has also been weak, so the damage done by  Navient  was a major setback to my finances. While I managed to make an occasional token payment in subsequent months, it took until early  XX/XX/XXXX before I was able to start making steady student loan payments again, which I have managed to do online pretty much to this da y, i.e.  WITHOUT automatic withdrawals.  <P/> However,  Navient  has continued to aggressively pursue a past due amount of {$1100.00}, most of which is a result of the setback to my finances originally caused by Navient. In repeated calls from their collections department, they would first attempt to collect the past due amount. When I would state that I was unable to do that, they would say my only recourse would be to agree to the automatic withdrawal program again, which I am still unwilling to do for obvious reasons. After a few months of answering these calls and repeating the same script, I decided to not waste any more time with them and just keep making my payments on time, as I had been doing for well over a year.  <P/> In recent months Navient has stepped up their tactics to the point of harassment, and worse. O n 2  separate occasions,  XX/XX/XXXX  and  XX/XX/XXXX , they contacted  2  of my professional colleagues to say I had put them down as a reference or a contact for a delinquent student loan. This is a lie. Also on  XX/XX/XXXX  my daughter was contacted about this loan, although she is no way mentioned in any of my loan documents.   arly last month I received a letter from the  Vice President fo r  XXXX   XXXX , informing me that if the delinquency was not resolved in 30 days my account would put under review for litigation.

Company response to consumer: Closed with explanation