BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
This complaint is against Experian ID XXXX XXXX and XXXX XXXX. IN BEING VERY CAREFUL NOT TO DUPLICATE A COMPLAINT, this complaint will focus on one aspect of my dealings with this XXXX XXXX, which is failure to honor our contract. The Experian name relevant to XXXX XXXX, repair and monitoring is usually a well Respected name and service. However, Experian ID XXXX XXXX in combination with XXXX XXXX XXXX, has placed a tremendous blemish on the Experian name. Don't take my word for it, simply read the volume of complaints listed on the XXXX XXXX XXXX, and the Consumer Finance Protection Bureau. The famous words this service loves to say is " there is nothing further we can do ''. This service leaves the customer in the same mess or worse, than when the customer such as myself, initially began their contract. They continually refuse to honor their contract, and this is the basis for this complaint. This service simply ignores the customers needs and requests. And they expect the customer to do all the work that they were hired to do!!!

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 2021-09-17
Company: Experian Information Solutions Inc.
State: VA
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 am writing you this notice as a follow up for my previous notice sent on XX/XX/XXXX to dispute the following information in my file ; fraudulent information listed on ID Theft Affidavit ( see enclosure ). 

The following items listed on my credit report are inaccurate. I am a victim of identity theft. 

I did not authorize anyone to use my name or personal information to seek the money, credit, loans, goods or services described in this report. 

I did not receive any benefit, money, goods or services as a result of the events described in this report. 

My identification documents driver 's license and social security card were stolen on XX/XX/XXXX. 

I do NOT know who used my information or identification documents to get money, credit, loans, goods or services without my knowledge or authorization.

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 2022-09-15
Company: EQUIFAX, INC.
State: FL
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:
Original request sent via CFPB portal on XX/XX/2022 Complaint # XXXX. To whom it may concern, This is in reference to my/our consumer report. While checking my/our consumer report, it came to my/our notice that your company has furnished an account on my/our report. According to 15 USC 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. As per the literal interpretation " Any medium '' includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ). Pursuant to my/our rights as per 15 USC 1692c ( c ) I/we are hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, email, social media, or any Consumer Reporting Agency. Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collections Practices Act ( FDCPA ). If you do not cease communication a lawsuit will be commenced against you. Thank you for your cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: HW Holding, Inc
State: MO
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX  sent me to collections without any notice. They have my deposit but said was never received ( I have proof they have the deposit ). Currently the debt collections is {$690.00} which I shouldn't owe. Deposit was {$500.00} XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: EQUIFAX, INC.
State: TN
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, has violated my rights. 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 View full complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: NAVY FEDERAL CREDIT UNION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My wallet was stolen and my Navy Federal debit card was used on many different Bitcoin sites. Totaling the amount of {$490.00}. I filed a claim and for some reason it was instantly denied. Later I came to find out that the representative who filed my claim never stated that my wallet was stolen and I did not have my debit card anymore. I am now out of {$490.00} and Navy Federal wont help me with the unauthorized charges on my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received an offer for an incentive of {$600.00} to open a new checking account. To receive the {$400.00} portion, I had to Direct Deposit {$2500.00} within 90 days after account opening and remain in good standing. To receive the additional {$200.00}, I had to process 15 debit card transactions from the account within 90 days and remain in good standing. I opened the account and entered the promo code during the promotion period, prior to XX/XX/XXXX. I performed all the required activities and did not receive the {$600.00} within 15 days after 90 days following account opening. I reached out to a representative and she said I was not eligible to receive the promotion because I was not in the intended " market ''. This is unfair since I DID receive the promotion. The bank received all the benefit of me putting money at their institution and processing my debit card transactions with their processor, but they aren't going to follow through on paying out my incentive! Why weren't there stops in place at account opening to prevent me from using the promo code online if I wasn't in the designated market? It's so convenient that the promotion entices many people to sign up but only a few of those who sign up actually qualify. That is deceptive advertising, and so frustrating that I had to keep track of all of this, with nothing to show for it after nearly 4 months!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: Advance America, Cash Advance Centers, Inc.
State: OH
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 contacted XXXX and unfrozen my credit report I waited to ask advance Americanet for a installment loan the following at and was denied because XXXX credit was frozen I called and it was.. I did it again happened three times finally got past it then they denied me because suspect fraud... back and forth phone tag getting me happy.I really needed some help but no one would in my credit report is froze because of data breach my information got all over the web few years ago and still just going farther in the hole they just really didn't treat me fairly and can't get myself out of this financial bind please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: FISERV INC.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX, I filed a fraud claim ( XXXX ) after not being able to get anyone over the phone for weeks. The agent told me that in addition to him submitting the claim, that I needed to fill out a dispute form and email it to them no later than XX/XX/XXXX. I completed the form and emailed it to them on XX/XX/XXXX. I have gotten no response whatsoever, even after I asked them to confirm receipt of the email, and after I resent it to them again on XX/XX/XXXX I recently received a letter in the mail from them dated XXXX, stating they denied my claim, with a reason that makes absolutely no sense. Based on the results of this investigation, your claim has been denied due to your other purchases related to the transactions in question. '' What does that even mean, other purchases??? There werent any purchases made on the card that I told them were authorized!!! Every single transaction done I reported as fraud. Again, they make absolutely no sense!!! Not to mention, their denial was literally three days after it was filed by the agent over the phone!! The agent had told me that in order for the claim to be processed, I needed to fill out their dispute form and send it back to them So then, how could they deny my claim before even giving me a chance to complete the form??? In addition to that, now its right back to me not being able to get anyone over the phone who can help me. I call and get someone oversees, they transfer me to an automated system that doesnt even recognize my card or personal information and doesnt give me the option to speak to someone.. just tells me to call back when I have the correct information and then hangs up on me. This company needs to be reported and dealt with, aside from them grossly handling my fraud claim. They should be forced to terminate their business operating this way

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: CCS Financial Services, Inc.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I LOOKED ON MY CREDIT REPORT AND I SAW THAT THERE IS AN ALLEGED DEBT BEING PLACED ON MY CREDIT REPORT THAT I DID NOT AUTHOURIZE OR HAVE ANY KNOWLEGE ABOUT ITS FRAUDULENT PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Experian Information Solutions Inc.
State: CA
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 can not believe I have to keep dealing with this, my identity was stolen and was used to open account with a bank which is reporting on my credit report as XXXX XXXX XXXX. I do not know who opened this account nor do I know how my identity was stolen. This account was opened on XX/XX/2022 and the account number is XXXX and the stolen amount is XXXX. I need this account blocked and deleted off my credit report immediately. I have even tried getting in contact with the company however I was told the account was sold off to another company and when I call that company they tell me something completely different. It's like i am a toy to these big corporations. I need this removed ASAP, I can not wait any longer this is unbeilable.

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 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX / XXXX / TransUnion has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX Date Opened : XX/XX/2014 Balance : {$0.00}. I believe it was reporting in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-04
Company: RoundPoint Mortgage Servicing LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Roundpoint mortgage company requires that its customers complete a insurance claim packet including legally binding affidavits in order to release insurance claim funds. I have submitted an insurance claim disbursement check to the company and I am awaiting the return of the check or disbursement of the funds. Roundpoint insists that they can not release the check without a signed affidavit, but this is not a requirement of the mortgage note they agreed to service - a standard Minnesota mortgage note via XXXX XXXX. I have contacted both customer service and the consumer ombudsman at Roundpoint and they have not been willing to discuss the issue or reconsider the affidavit. Since I do not have a choice in who services my mortgage, Roundpoint is effectively forcing me to enter into a legal agreement with them since I can not afford to repair my home without the insurance claim funds. This is not acceptable and I expect Roundpoint to release the funds without a signed affidavit.

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 2023-09-08
Company: FREEDOM FINANCIAL NETWORK
State: DE
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Unauthorized withdrawals or charges

Complaint:
I contacted Freedom Debt relief to close my account with them. And the following is the response I got. 

Dear XXXX XXXX XXXX XXXX you for contacting Customer Service , we are happy to help with this. Upon reviewing your XXXX  XXXX  it appears that your current estimated pay off amount as of today comes out to an estimated {$2000.00}. Please keep in mind that there is always a possibility that this amount may not cover the final payment to your creditors which is why it is recommended to cover in for at least a {$100.00} overage to ensure we have more than enough funds and whatever is left will be returned back to your bank account once your account is closed. If you have any other questions or concerns in regards to this please do not hesitate to reach out to our Customer Service line mentioned below at your earliest convenience for further assistance with this. 
Visit your Client Dashboard to track your program progress, watch helpful videos, and read frequently asked questions. 
Thank you for letting us be your partner on your journey to a debt-free future. 
Freedom Debt Relief Customer Service www.fdrclient.com Customer Service : XXXX | XXXX So I then paid the pay off amount on XX/XX/XXXX. On XX/XX/XXXX they withdrew another {$300.00} and I asked why this was done and was told it was to cover the closing cost. OK the that should have been included in the payoff amount but ok. the following is the question i asked and response Good Morning, I have paid off the balance remainder of {$2000.00}. Why are you continuing to deduct from my account? That was the purpose of looking to close the account. Please let me know why or I will be closing the bank account so you can't withdraw from it. 

Thank you. 
Dear XXXX, Congratulations on successfully reaching the end of your program! It's important to note that it can take up to 30 days after you deposit the funds to graduate and complete you from the program. During this 30-day period, it's possible that another deposit may be drafted if you have a deposit scheduled and any excess funds will be refunded once your account is closed. 



We understand that you may have some concerns regarding your deposits during this period. Please know that you can modify your deposit at any time during this 30-day period to better suit your needs. Give us a call at XXXX to modify your upcoming deposit during this time. 

Now here it is XXXX and they withdrawal another {$300.00}. All accounts are paid an closed how do i get the to stop taking money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: EQUIFAX, INC.
State: TX
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:
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 XXXX, XXXX, and Equifax to reinvestigate these accounts : Account NAME/ Account # XXXX XXXX XXXX XXXX XXXX  US DEPT EDXXXX XXXX XXXX XXXX US DEPT EDXXXX US DEPT EDXXXX However, they stated everything was complete and accurate XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21
Company: Genesis FS Card Services, Inc.
State: TX
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:
XXXX XXXX XXXX PURCHASED ACCOUNT : from Iriginal Creditor AMOUNT : {$1000.00} DISPUTED SEVERAL TIMES in recent months using reputable credit repair method, and online major credit company platforms, and in rotation to date for repeat dispute which no verification or validation of method. Company instead sends debt validation method with requests of me sending validation criteria. 
Also reports false information, multiple Non Compliant discrepancies including above mentioned balance. To imply {$1000.00} would mean secured past {$1000.00} credit lines or amount is reporting in excess of true details.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: PNC Bank N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
When PNC takes BBVA they never care about BBVA customers, they create an Escrow account in my mortgage account when for the last 10 years there is non. 
They start charging me with out my authorization an Escrow I never asked for, and after paid them the amount they told me I owe the Escrow account stills there when it supposed to be deleted, canceled or disappear, PNC is n'the worst bank customer service I has experienced

Company response to consumer: Closed with explanation