BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-11
Company: EQUIFAX, 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:
Upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX : XXXX XXXX XXXX # SPC XXXX LA XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, IN XXXX Balance {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX Balance EQUIFAX : XXXX XXXX XXXX I XXXX Balance {$0.00} XXXX : CXXXX XXXXXXXX XXXX {$0.00} XXXX XXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
I had just open a capital One account and the card was stolen from my gym locker with other items. Someone ran up the card to XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: National Credit Systems,Inc.
State: GA
Product: Credit reporting 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:
This account ( NATIONAL CREDIT SYSTEMS ) has exceeded the statute of limitations and needs to be removed from my consumer report. This item was entered to my consumer report on XX/XX/XXXX therefore it should have been removed on XX/XX/XXXX considering the fact XXXX law says oral contracts have a 4 year statute of limitations. I never had a written or oral agreement with National Credit Systems. If this account is not removed immediately I will sue XXXX and National credit systems for violations of the FCRA by not removing this item from my consumer report within the XXXX  Statute of Limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
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:
Upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : EXPERIAN : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX  ) XXXX Balance XXXX : XXXX XXXX XXXX  I XXXX Balance {$0.00} XXXX : XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$0.00}

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 2021-09-23
Company: Kingston Data & Credit International Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ON XX/XX/2021 I NOTICED AN ACCOUNT ON MY CREDIT REPORT IN THE RESULT OF IDENTITY THEFT. I CONTACTED KINGSTON DATA & CREDIT TO WARN THEM ABOUT THE FRAUDULENT ACTIVITY. THIS COMPANY FAILED TO INVESTIGATE AND PROVIDE ME WITH ANY AND ALL SUPPORTING ITEMS REPORTING INACCURATE AND FRAUDULENT INFORMATION ON MY CREDIT REPORT WHICH IS A COMPLETE VIOLATION. THIS ACCOUNT HAS NOW BEEN SENT TO A COLLECTIONS FOR DEBT THAT I DO NOT OWE BECAUSE OF THE LACK OF KNOWLEDGE, INTEGRITY, PROFESSIONALISM, AND BEING COMPLIANT AND REFUSING TO INVESTIGATE AT ALL. LEAVING ME TO HAVE A DAMAGED CREDIT REPORT FOR SERVICES I DID NOT OBTAIN

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
My XXXX XXXX XXXX account ending in XXXX was not being reported by TransUnion, but was being reported on my wife 's credit report. After pointing out this discrepancy to TransUnion, they responded by deleting the account from my wife 's credit report. I submitted a complaint to CFPB on XX/XX/XXXX regarding my credit report ( complaint # XXXX ), and TransUnion resolved the issue on XX/XX/XXXX by adding back the XXXX  XXXX XXXX account ending in XXXX to my credit report. 

Based on my wife 's TransUnion credit report dated XX/XX/XXXX, the XXXX XXXX XXXX account ending in XXXX is still not being reported on her credit report even though she is an authorized user of the account. XXXX XXXX XXXX is reporting the account ( based on my TransUnion credit report dated XX/XX/XXXX ), so TransUnion should reinstate the XXXX XXXX XXXX account ending in XXXX to my wife 's credit report. 

If you need any further information, please let me know. Thank you for your help with this issue. 

Sincerely, 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 2019-11-03
Company: WELLS FARGO & COMPANY
State: AZ
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:
On XX/XX/2019 ( read attached ), Wells Fargo continues to ignore NOT reporting my paid in full account as I had a XXXX 's XXXX XXXX Card then. 
My credit has been missing this good paid in full account for 5 years!!! 
Violations of FCRA for 5 years. 
The complaint is against Wells Fargo. 
When a company aquuires another company, all account records transfer to the new owner.

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 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from my credit report.

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 2023-03-06
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
We have been trying to close an assumption loan on our house since XX/XX/2022. PennyMac, the lender, has asked us to sign several extensions, as well as asking us and the buyers for information, the same information, over and over as each document ages out. 

The buyers are approved, and are ready to close, as are we. We have moved to Arizona, and our expenses, as you can imagine, are starting to add up, as we are attempting to maintain and pay for both houses. 

It should be noted that the realtor has been exemplary, and we believe shares no fault in this issue. 

We have gotten excuse after excuse from PennyMac, and I think every party on our side of things has been patient and forthcoming, but its all wearing thin. 

We were told, when the buyers were approved, that this should take no longer than 60 days. Needless to say, we are well past that. 

We need PennyMac to close ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-06
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I NEVER GAVE MY WRITTEN CONSENT TO PULL MY CREDIT FROM THE LIST PROVIDED BLOW. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-16
Company: DISCOVER BANK
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an 18 yr old Discover card with a XXXX credit limit that a disreputable " law firm '' XXXX XXXX XXXX hounded me for payment of {$6700.00} and freezed my checking account for payment. We made arrangements to settle for app. XXXX and I paid them XXXX a month for 3 years and they sent me a letter of discharge. My bank account has been closed for years and water damage has ruined our records. The bank can not give us copies from 15 years ago. Now a new company says they are employed by Discover. It is XXXX and XXXX. They sent a very inconspicuous letter claiming I had never paid XXXX XXXX XXXX which is now out of business ( not surprisingly ) and I owed them XXXX! I immediately responded and refuted their information. Even though the statute of limitations are expired on this loan, they have started calling my house multiple times during the day. I do not owe and my next step will be to seek legal help to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: DC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XXXX is changing Health Savings Account ( HSA ) providers with limited notice from BenefitWallet ( Bank of New York Mellon ) to an account with " Further ''.

HSA holders are asked to sell any investments and transfer their funds as of XX/XX/XXXX or to pay a {$25.00} fee to transfer after XX/XX/XXXX. Account holders are also required to pay monthly fees to maintain a BenefitWallet account after XX/XX/XXXX.

The CFPB should prevent health plans from making unilateral changes to service providers with less than 1 month notice.

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 2023-03-08
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This is additional documentation for my appeal to PNC bank disputing charges posted to my checking account on XX/XX/XXXX, in the amount of {$270.00} and {$500.00}. I was in the barber shop in NC, when a string of thank you for your subscription messages with amounts started comping across my cell phone. I am a student at NC XXXX and XXXX My physical whereabouts can be confirmed at all times, to prove I was in NC and then in MD for the winter break. I was warned not to open messages like that, so I phoned my mother, and she instantly called the bank and had them cancel my bank card ( XXXX XXXX XXXX XXXX ). Immediately as this was happening and while the charges were still pending, my mom asked the bank not to pay then, but the bank paid them. I still have copies of some of the messages on my phone, which I am attaching this complaint ( being filed with the XXXX XXXX XXXX XXXX ). When I returned home to MD, my mom and I went to PNC and told them of the events, and I received a new bank card. I was told by the bank representative that PNC should have contacted me to verify my identify and ask if this was me, making these transactions, when the string of highly unusual activity was taking place. Nevertheless, I assumed that after the dispute was filed on XX/XX/XXXX, the event was behind me. 

On XX/XX/XXXX, I received a letter in the mail from PNC, stating that I was responsible for the transactions. The 2 transactions that actually posted and were paid by PNC were for {$270.00} and {$500.00}. Both were online purchases to Target, and picked up at a Target in CA ( while I was still in NC ). I had my bank card with me the entire time this was going on. I did not make any online purchase for these items, nor did I authorize or pick up these items. No one else is authorized to pick up anything on my XXXX account but myself. XXXX requires that if someone else picks up items on your account, they be named on your online account. No one else is listed on my account. Additionally, ID must be presented when picking up items. I did not pick up any items in CA and I have never been to CA. I do not know how PNC is holding me responsible for these transactions when clearly my bank card was hacked. The string of transactions going across my cell phone did not stop until the card was shut down. 

I filed a police report with XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX on XXXX XXXXXX/XX/XXXX, after the unfavorable determination was issued. The Police Report # is XXXX. I filed a complaint with the XXXX XXXX XXXX XXXX on XX/XX/XXXX. I am including this as written documentation to PNC.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-11
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: Account information incorrect

Complaint:
I have reached out to XXXX via certified XXXX mail and no response in writing. On Friday XXXX XX/XX/2022, the representative told me they had NOT received any mail from me which is false, I have confirmation that they did received my mail regarding XXXX XXXX acct # XXXX and the letter and I will provide that information in the attached documents. My credit score  dropped over XXXX points between XX/XX/XXXX to present! In XX/XX/XXXX my credit score fell XXXX, on XX/XX/XXXX it fell another XXXX, o. XX/XX/XXXX An additional XXXX points for the same XXXX acct # XXXX. I provided XXXX and Experian the attached letter from XXXX XXXX, where the letter clearly stated XXXXXXXX XXXX now XXXX XXXX  received your final payment for the above referenced account and no further payments are required. We thank you for satisfying your obligation with XXXX XXXX now XXXX XXXX and yet both XXXX and Experian were reporting the account was still open with an outstanding balance! There are multiple violations that occurred, starting with XXXX, they never provided me with the information that they were providing to the credit reporting agencies, XXXX falsely claim they never received any certified XXXX mail from me. XXXX kept reporting inaccurate information even after XXXX was settled and paid on XX/XX/2022, they also reported an outstanding balance to this XXXX acct # XXXX. Experian also violated The Fair Credit Act by reporting inaccurate information regarding the same XXXX acct # XXXX reporting that the account was still open as a Charge Off with an outstanding balance even after this XXXX acct # XXXX was settled and paid! I never received a response from XXXX regarding the certified XXXX mail that was sent to them on XX/XX/XXXX which they also received according to the XXXX mail. Both XXXX and Experian are well over their 30-45 days in which to respond but never did! I am asking for an investigation into their violations and deleting XXXX acct # XXXX from my credit file immediately. These violations has damaged my credit, as my family and I were about to close on our first home in XX/XX/2022. Thank you in advance and I look forward to and fair resolution to this matter immediately.

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 2023-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
Received an email saying I signed up for services and tried to get me to open a service agreement. Email received today XX/XX/XXXX at approx XXXXXXXX XXXX. I did not open the agreement because it seemed like scam and I knew I did not do it. I called the number and it sounded to me like a person answered Bank of America from a home line. He could not answer my questions about time and date and other information I was asking for about this being fraud and wanted me to open a service agreement. I ended up hanging up and decided to file this complaint because I'm unsure of who I am speaking with at supposed Bank. XXXX number was listed on prior scam, phishing warnings 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 2023-03-01
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX - XXXX ( XXXX  ) XXXX ( XXXX  ) XXXX  XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX  ) I did not authorize these inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX  Acct # XXXX Loan amount {$1700.00}, and Acct # XXXX Loan amount XXXX. Late payment dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 166b A creditor May not treat a payment on a credit account under an open end consumer credit plan as late for any reason.

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 2019-11-03
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing a copy of my credit report, I noticed a collection accounts placed on my credit report from CMRE Financial services. I am requesting that you allow my attorneys and I to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, my attorneys and I are allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties agency. I did not give permission to any of my current or prior medical providers to release any of my medical information and/or records to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients signed authorization. I have never given authorization to release any information in accordance to my rights under HIPAA. Therefore, my request is threefoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Also an original copy of contract with original creditor that gives you the right to collect debt in pursuant to the FDCPA. Cease any credit bureau reporting until the debt has been validated by me and my attorneys. Also until debt can be validated by me, I am allowed under the FCRA to have any debts in relation to be removed from my reports until the items can be validated my attorneys and I. Please send this information to my address listed and accept this letter sent via the CFPB complaint portal as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting or accounts being placed with the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail

Company response to consumer: Closed with explanation