BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have constantly been mailing disputes to Transunion regarding negative reporting accounts. I have yet to see any changes and feel discouraged. I am not getting any results with handling the issues at hand. I am simply seeking for the buera to provide 100 % proof that the negative accounts belong to me. I have no knowledge of the accounts being reported. The buera is not completing a Thoreau investigation they are simply marking the accounts as verified to just move on. This is not right for the information to be held on my report without any written proof of any claims or some type of supporting documents. Accounts that are not being accurately reported is defamation to my character.

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 2022-09-05
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
In accordance with the fair repair reporting act bankruptcy XXXX Has violated my rights 15U.S.C 1681 SECTION 602A STATES I have the right to privacy 15 u.s.c 1681 Section 604 A Section 2 States It also states that a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX at approx XXXX. I made a cash deposit of {$200.00}, I had XXXX XXXX dollar bills. The atm at XXXX XXXX, for this PNC bank was not working right!!. It spit out {$140.00}, it ate my {$60.00}!!!!!!!!! And I called their ridiculous customer service number, they had me on hold for over 15 minutes, I never got through to a manager in the retail escalations dept. So I called 2 more times to see what " bad customer service rep '' would say. They all said NO, we are not crediting your account the {$60.00} that our ATM ate! I could very well have checks bounce tomorrow because OF THEIR SEVERE NEGLIGENCE, THEY RARELY HAVE THESE HORRIBLE ATM 'S SERVICED! And now they literally STOLE MY MONEY!! I certainly hoped they get severely fined for this! I want that {$60.00} crediting NOW! Not only do they have horrible customer service, the hold times were horrid, they used all my cell minutes, I have a pre-paid phone. And they never have a manger working, they give wrong info of what department I needed to speak to! I called at XXXX XXXX, later after XXXX XXXX when I called again, that rep told me that I should have been able to speak to the right department before XXXX!! I am so mad right now at PNC I am having XXXX XXXX! My rent check could bounce because of thier horrid atms!! And if it does, I am getting an attorney after PNC! Thier reps told me this could take two weeks!! Fine PNC!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: Shellpoint Partners, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX XXXX XXXX XX/XX/15 Balance : {$270000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Card Was paid in full on time I cant disclose it still showing

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 2021-06-10
Company: MIDFIRST BANK
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Account Opened and then CLOSED FOR BUSINESS REASONS I successfully opened a XXXX  checking account on XX/XX/21, and am now being told my account has been closed for Business Reasons ( Security purposes ) and will not be told why. I still am able to log in to my account and I continue to receive emails along with a letter in the mail I received yesterday welcoming me to XXXX. 

This checking account was opened because there is a {$250.00} checking Bonus I was interested in. 

I feel this XXXX XXXX  is opening and closing accounts along with other customers as a bait and switch move to bolster their open account numbers while quickly closing those accounts so the consumer is not be able to finish the qualifications to receive the {$250.00} bonus being offered.

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 2022-09-05
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
I called sometime last year because my credit file disappeared from my credit report making my credit non-existing with Experian. I was told my credit file should reappear within 24-72 hours. I thought the problem was resolved until a week ago I applied for a mortgage loan. My loan officer informed me that she was not able to pull my credit report with experian because it comes up as ***no record found***. So I called them ( experian ) at about XXXX XXXX and was on the phone with them on and off until about XXXX XXXX  on the same day. On the final call I was told that I need to send them my updated information the fix the problem at experian.com/upload ; well the website does not work. I tried to upload my information numerous times EXACTLY how they explained to me unsuccessfully. Now here I am on Sunday, XXXX, still trying to upload my information and it keeps telling me that I need to upload a black and white copy, or tiff or pdf. Both documents ARE black and white and they ARE tiff. When I upload tiff it asks for black and white. So I called again and they told me that I needed to mail them a copy instead and will be informing experian that the website is not working. 

My issue is that I already selected a house and just need to get preapproved for my mortgage loan. But without the experian file being pulled, I can't. My information has not changed at all and experian is telling me that all credit reports have to match all across. Well my credit report never matched all across and I never had an issue before. My experian credit report disappeared XX/XX/2021 and I haven't been able to have it pulled since. I begged them to please fix it and they refused.

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 2019-08-06
Company: RFNA, LP
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Republic Finance keeps calling my work cell phone even though I have asked them not to contact me at work. I have provided my personal phone number for these calls. Somehow they make the caller ID show that it is my place of employment calling rather than Republic Finance. This has happened at least 2 times and I have asked them not to do this as they are misrepresenting themselves when they attempt to contact me. I was told that they can attempt to contact me in any way since I owe them money. Is this correct? Are they allowed to make the phone call appear to be coming my from my employer 's office rather than Republic Finance?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-16
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received a letter from stern recovery on  XXXX  saying the three accounts i have with them will be removed. They stated they would send it to the credit bureau at the end of the month. It is now  XXXX   XXXX  and they are still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX Date Opened : XX/XX/15 Balance : {$270000.00}

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 2017-06-27
Company: Caliber Home Loans, Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX From : XXXX XXXX RE : Caliber Home Loans XXXX XXXX Account # : XXXX SS ending in XXXX To whom it may concern : My husband and I are filing a complaint against Caliber Home Loans. We purchased our home in XXXX of XXXX. We have made each and every payment on time. We are now in the process of trying to refinance our mortgage and take cash out. The loan is in my husbands name, XXXX XXXX XXXX. On Stanleys credit report, Caliber is only reporting payments starting with the XX/XX/XXXX payment. There is nothing reported for XXXX, XXXX, XXXX or XXXX. This is preventing us from being able to do a refinance and take cash out. We have asked Caliber to please report these missing months, only to be advised by them that RESPA laws, in place to protect us, do not allow them to report any information for the first 60 days of the loan. Our mortgage was originally with XXXX XXXX, however, Caliber purchased our loan as of XXXX/XXXX/XXXX. Because we want cash out, we must be in our home for 12 months to do so. Although we have been in our house for the required amount of time, the credit report fails to accurately reflect that. We have asked Caliber via telephone and in writing to please update the credit report to show that all payments in the non-reported months were in fact made and made on time. Our prospective lender has requested them to do the same. To no avail. They continue to say they are not required to report those months based on RESPA laws, of which neither my husband nor I are familiar. Caliber has provided a letter to our prospective lender, verifying that we have been in our home since XX/XX/XXXX and that we have not been late nor missed any payments. I have attached the letter as supporting documentation. By not accurately reporting this information to all XXXX credit bureaus, Caliber is causing distress to us and they are also negatively affecting XXXX credit score. By having all of the months accurately reported will only help to increase the score, making the amount that we pay for the loan we are seeking less. Our prospective lender has tried to run our application through the automated XXXX XXXX and our application gets a Referral with caution and this will not allow our application to even be considered for manual underwriting. We have asked if they will include this information in the next update to the credit bureau, which according to Caliber is XX/XX/XXXX. We were advised that they would submit a request to their credit department for review and that this process can take up to 30 days. They are not willing to provide the updated information to the credit bureau, despite our repeated requests to do so. The resolution that would satisfy us is if they would immediately update XXXX credit report with the missing information for XXXX, XXXX, XX/XX/XXXXand XX/XX/XXXX payments. Very kind regards, XXXX and XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: Navient Solutions, LLC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I continue to receive telephone calls from XXXX. The company denies making the calls, but the calls continue. The caller ID reads " Navient ''. If Navient is not making the calls then the company should be motivated to find out who is using their name. One of Navient 's subsidiaries ( General Revenue Corporation ) has been linked to this number. I can provide pictures from my caller ID that provide the date, time, and caller information. I have picked up the receiver, and no one is there. The company is making illegal robo-calls.

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 2022-09-05
Company: EQUIFAX, INC.
State: NC
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX Date Opened XXXX XX/XX/15 Balance : {$270000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have been paying on this loan for nearly 10 years and my total amount has not gone down. First it was with XXXX XXXX then changed to XXXX and now Fed Loan Servicing. My loans from 10 years ago should had been paid off. Also more of my payments are applied to interest instead of the payment which should n't be so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the 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 non-monetary relief
Consumer complaint received 2022-09-05
Company: SYNCHRONY FINANCIAL
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: Old information reappears or never goes away

Complaint:
Account # XXXX XXXX XXXX XXXX I have called the creditor ; SYNCB/WALM at ( XXXX ) XXXX and sent a " good faith letter '' asking if they could please remove this account from all 3 credit bureaus because : 1. All payments were made on time ; never a late payment 2. The age of the account 3. The account is closed 4. Shows account status as " Paid Satisfactory '' After XX/XX/2018 there is NA payment history, the account is closed. Please remove from credit reports.

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 2017-06-27
Company: SUNTRUST BANKS, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX XXXX XXXX XXXX CT XXXX, Ga XXXX [ Suntrust Bank ] [ XXXX/XXXX/XXXX ] To [ Suntrust Bank ] : Under the provisions of Public laws 95 109 and 99 361, known collectively as the Fair Debt Collections Practices Act ( FDCPA ) I formally notify you to cease all communications with me in regards to this debt, or any other debts that you allege I owe. Please be advised that if collection attempts continue after receipt of this notice, I will immediately file a complaint with the Federal Trade Commission and the Georgia Attorney Generals office. Additionally, if Im contacted again after receipt of this notice, I will pursue both criminal and civil claims against you and your company for violation of the FDCPA. Please be aware that going forward, after I have confirmed your receipt of this notice, any communications from your company may be recorded to be used as evidence for my claims against you. Also, be advised that any negative information appearing on my credit reports pertaining to this account will be handled with the full legal rights and remedies available to me with regards to current consumer protection laws. Regards, [ 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 explanation
Consumer complaint received 2017-06-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Bank of America used an appraiser in NC that grossly inflated raw land appraisals in early XX/XX/XXXX. Her name is XXXX XXXX XXXX, and she was forced to surrender her license 2 years later to avoid justice. My lot XXXX XXXX was appraised at {$340000.00}, with 3 other lots nearby appraised at {$340000.00} to {$370000.00}. My purchase price was very enticing at {$120000.00}. Today, it is worth XXXX because a house ca n't be built in it due to a infraction on the front which reduced the size from 80 ' to 26 ', verified by XXXX XXXX. tax assessor XXXX XXXX, which then lowered my tax assessed value by 50 %. BOA used this tactic to garner my mortgage of 7.5 % interest only first 5 years, then payments currently at $ XXXX/month, {$320.00} interest /month. XXXX XXXX XXXX was fined by the NC AG for XXXX XXXX dollars in XX/XX/XXXX for deceptive marketing. BOA so far has escaped but certainly were involved by grossly deceptive Land Appraisal Reports. BOA has been contacted numerous times but refuses to acknowledge. I need help from the US Govt/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