BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-07
Company: Eastern Account Systems of Connecticut, Inc.
State: CT
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 mailed a dispute letter to XXXX  and XXXX  on XX/XX/XXXX regarding 3 accounts on my credit report. I was notified within 15 days that the account was verified. I than sent a certified letter to both companies requesting a method of verification on XX/XX/XXXX. As of XX/XX/XXXX I had not received any correspondence. I called XXXX directly and spoke to " XXXX and " XXXX '' and was told by both managers that I was not allowed to receive verification ( a FCRA violation ) and that they communicated with the furnisher electronically and have not gotten any verification if this account was actually mine. As of XX/XX/XXXX, I have contacted my local smalls claims court to file a claim for clear violations of my consumer rights. I have been asking for verification of these accounts for several months and it has been futile. Please advise

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: CITIBANK, N.A.
State: PR
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:
When trying to purchase a Mortgage Loan, they requested my Credit Report. After received by the Mortgage Bank, they notify me that the Credit Card Account is not present in the Credit Report on none of the 3 Credit Bureaus. 

I proceed to contact my Credit Card Bank ( XXXX Bank ) to verify this information and they state that the report has been submitted monthly to the Credit Bureaus. I have tried numerous times ( 15 times to be exactly in the past two weeks ) to get an answer on why none of the Credit Bureau companies have received it and they just say that they have done it ( When the Credit Bureau has not receive anything ). The Bank doesn't give me a reasonable answer or result. Do to this negligence, I have recently lost the opportunity to acquire my Mortgage Loan and lost the apartment I was hoping to purchase because that card makes me eligible with the Credit Experience needed to purchase the Mortgage Loan. After two weeks, they still don't give me a concrete answer and the Credit Bureaus still haven't receive an Activity or Existence report of my Credit Card Account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-06
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY 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 2019-08-22
Company: Experian Information Solutions Inc.
State: AR
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:
Information inaccurately reporting. 
1. XXXX XXXX bankruptcy not my account. 
2. XXXX XXXX paid as agreed. 
3.XXXX XXXX XXXX XXXX XXXX XXXX agreed was never delinquent on XXXX & XXXX of XXXX 4.XXXX  XXXX falls under XXXX XXXX medical act paid in full. 

5 XXXX XXXX XXXX purging and re-aging the account. Account being paid as agreed.

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 2023-11-23
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts :. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2021-01-07
Company: EQUIFAX, INC.
State: NY
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 am getting responses from credit companies stating that the complaint isnt being submitted by me. I am submitting proper documentation to verify that it is me uploading these documents and filing this complaint. I am just trying to remove items once again that were negatively reporting and were on my report without my knowledge. They were removed from XXXX  and XXXX  and then somehow were put back onto my credit report. According to law 611 ( b ) ( ii ) it states if any information that has been deleted from a consumers file is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion on 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.

It has been well over 5 business days and I received NOTHING. These accounts aren't mine and they need to be removed again please.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: Experian Information Solutions Inc.
State: FL
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:
Wrong year 1976 its incorrect theres incorrect addresses, theres incorrect information being reported by third party creditors who I dont own

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 2023-04-28
Company: EQUIFAX, INC.
State: NJ
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
According to the last dispute case number XXXX I was told by transunion that I could not receive a report because they are investigating and they will be done before XXXX/XXXX/2022. Today is XX/XX/XXXX22 I have not gotten any updates or emails from them saying that they are working on things and I tries to get a report it's saying that it's working on my report. They are in violation of my consumer rights. How is cfpb sitting around allowing this kind of stuff. I'm not asking for legal advice, but I am questioning the position that the cfpb has to allow abuse from the transunion.

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 2023-01-23
Company: WELLS FARGO & COMPANY
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Had a home loan with Wells Fargo in XXXX but had declared bankruptcy. House was sold but Wells Fargo would not close on the sale until all equity in the home was used to pay interest fees on house. Went into bankruptcy in XX/XX/XXXX and house was sold in late XX/XX/XXXX but could not close until XXXX, XXXX because Wells Fargo held up the sale.

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 2019-04-01
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
LoanCare LN XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, I am not even sure how to begin our complaint as we have now had to file a CFPB complaint on 100 % of the files currently being serviced by Loancare. Our current issue is on short sale for a VA loan on this property ( XXXX XXXX XXXX, XXXX XXXX CA XXXX ). I dont know if your employees are untrained, are not able to read or comprehend English, have been told to delay file submittals to squeeze more servicing fees out of the investor ( *** Yes I am stating that you are defrauding the US Federal government by doing this ) .. Or, you simply hire the dumbest people on the planet. You choose, either one of the above says a lot about the lack of care given to your servicing of loans under your care. 

The most recent debacle centers around your Loss Mitigation Specialist I,  XXXX XXXX, asking how a solar judgement that she found on title was being taken care of. She has asked this THREE TIMES on XX/XX/XXXX and XX/XX/XXXX, and we answered this question TWICE ( for the record there IS NOT SOLAR JUDGEMENT ON THE TITLE report ), but supplied her with a copy of the title report. Apparently, your employee doesnt know the difference between a financing statement ( aka solar lease ) and a judgement. When we called in on XX/XX/XXXX2019 to follow up, we were told that Loancare was ordered their own title report. I am confused. Did XXXX lie about having a title report and seeing a Solar Judgement on it or did she just make it up. 

See attached emails, Title Report and our Authorization Letter. XXXX mentioned in THREE emails that their title report has a solar judgement on them. 

I would really like to know why the feet dragging on this file ( other than the obvious reasons of lack of training or simply attempting to squeeze more money out of the VA ). 
Please rectify the situation immediately on this file. 

For ease, we are cross filing this complaint with the following organizations : 1 ) CFPB 2 ) State of California Attorney Generals office 3 ) Department of Veterans Affairs ( Southwest Region ) 4 ) Congresswoman XXXX XXXX, House Financial Services Committee Chair

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 2023-10-13
Company: PNC Bank N.A.
State: NE
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/23 a AHC for {$23000.00} was sent to PNC bank in XXXX PA for an invoice received. On XX/XX/23 we contacted the XXXX about payment and discovered that it was fraud, I called my bank they made a request to return funds, I contacted local Police and the XXXX took all the info I had, also calls were made to the bank by the XXXX that was suppose to receive the fund, by the investigator and myself to report fraud. We were told it was sent to the back office to be investigated. We made multiple calls trying to find out the status but with no help.PNC took no action to put a hold on that transaction until it could be Investigated. XXXX Our bank received a NSF denial to return the funds. The scammers where given plenty of time to transfer the fund out. Now PNC is saying that nothing can or could have been done.!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
While traveling in the XXXX on XX/XX/2023 I was overcharged by a taxi service called XXXX XXXX. For what should have been a {$32.00} taxi ride I was charged over {$2400.00}. The taxi driver inserted my card into the reader multiple times and claimed that the card was being declined. He refused to give me a receipt and became irate when I questioned him. I did not feel safe. Two days later the charges showed up on my app and I immediately reached out to Bank of America. They said I would need to dispute the charges which I did. I was told that since I willingly handed my card to the merchant, I am responsible for the charges. They said it was not fraud. I have called the bank many times and appealed their decision. I have written them letters and have gotten nowhere. They said I am responsible to pay. I used the credit card for this reason so that I am protected against fraud or theft. I have banked with them for over 25 years, no one will listen to me. They said their lawyers make the decision. Please help me appeal this. They said if I had reported the card stolen I would have been protected against these charges. I did not give this merchant permission to charge me {$2000.00}. It is just like he stole from 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 monetary relief
Consumer complaint received 2021-01-07
Company: United Consumers Inc
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have called and written several emails Im regards to every time I have been treated at XXXX XXXX  XXXX I have ALWAYS carried health insurance and provided that information they NEVER send a bill they wait until they send items to collections. Then insurance can not Be used this has been done to be as well as many members of my family and friends of mine. I do believe I should have my credit destroyed and ruined by their poor customer service and awful office billing process. I am a single mom trying to buy a house and I can not keep paying bills that my health insurance I pay would cover its robbery. 
Everyone who works at United consumers inc is everything but helpful and the agrees to delete the info at one point only to send me nasty letters in the mail harassing me on phone

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 2023-10-16
Company: WELLS FARGO & COMPANY
State: MD
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:
There have been several transactions made on my account this is the 2nd time that this has happened I reach out in regards to the transaction that occurred in XXXX via XXXX I I dont not send money to people on XXXX I strictly use XXXX due to it being with my bank and there was a stretch of days where some sent hounded of dollars out of my account, the dates are XX/XX/XXXX {$100.00} XX/XX/XXXX {$510.00} XX/XX/XXXX {$170.00} XX/XX/XXXX {$210.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$210.00} And just last week my card declined for my art auto pay due to insufficient funds when I went to looking at my account there had been five fraudulent transactions darting back to XX/XX/XXXX {$170.00} XXXX XXXX XX/XX/XXXX {$160.00} XXXX XX/XX/XXXX {$640.00} XXXX XXXX XX/XX/XXXX {$210.00} & {$110.00} XXXX This is ridiculous due to my direct deposit is sent to this account and my billing as well, Im quite frustrated with a lot of these transactions occurring in spurts and the lack of attention by Wells Fargo.

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 2023-01-23
Company: EQUIFAX, INC.
State: IL
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 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 XXXX STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report 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 SXXXX Date of inquiry : XX/XX/2021 XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: Second Round Limited Partnership, Austin, TX Branch
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My complaint is with Second Round Sub, LLC. This company sent me an Invoice in the amount of {$3000.00}. They purchased this from the original creditor XXXX. 

I am not in contract or never was in contract with Second Round Sub, LLC. In their Invoice, they stated at the bottom that they can not sue me as the law limits show that the age of the debt is old. But, Second Round Sub, LLC is trying to mess up my credit Report with this extortion notice. 

As of XX/XX/2015, my debt with XXXX XXXX was charged off. As of XX/XX/2015, XXXX no longer showed that XXXX reported any debt owed to them. Also, I had a lawyer working with me on this case with XXXX. They did not respond to any of the lawyer 's notice. The debt with XXXX is old and charged off and no longer showing on my Credit Report. 

Second Round Sub, LLC is trying to damage my credit report. Again, I am not in any contract with this company. They are fraudulently contacting me for a debt that I do not owe them. I do not trust this company and see them as harmful to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Hello, I have followed and HSBC advertisement link on their website and opened a new checking account in XX/XX/XXXX. 

The advertisement said ; deposit $ XXXX and receive {$350.00} bonus after 90-day I have deposited $ XXXX on XX/XX/XXXX and still haven`t received the {$350.00} bonus. 

Called customer service 3x and chatted on their website 2x and they gave me a case id XXXX on XX/XX/XXXX They said they would call back which they did not. 

Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Payward Ventures Inc. dba Kraken
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Hi, I opened an account with Kraken.com a few days ago. After they verified my account through my ID, I was told that my account is good to go for making a deposit and exchanging cryptocurrency. I was told that I can withdraw my money after 3 days of the first ACH transfer. First, I made a small deposit of {$50.00} to make sure it is safe and reliable. Once I realized it is safe, then I made another deposit of {$1000.00}. Now, that I want to withdraw my money, they have put a hold on my account and suspended my transactions. They are asking for ridiculous documents such as writing a note and taking a selfie with that. They should have let me know before if they are going to hold my money for no reason, and didn't let me make a deposit. They don't release my money despite of contacting them multiple times. I need help from you to get back my money from these scammers.

Company response to consumer: Closed with explanation