BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-19
Company: EQUIFAX, INC.
State: GA
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 noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed page of my credit report. 

I was never late. My family and i thinks its odd that Ive never held a balance at this company and also having auto pay that This company found a way to add negative marks on my credit for not paying on time. This is incorrect and has forced me to not qualify for a home the last 2 years. 

Account info Account name XXXX XXXX XXXXXXXX. 
Account number XXXX Account type Line of Credit Responsibility Individual Date opened XX/XX/XXXX Status Open. 
Status updated XX/XX/XXXX Balance {$10.00} Balance updated XX/XX/XXXX Recent payment {$10.00} as of XX/XX/XXXX Monthly payment {$10.00} Credit limit {$1800.00} Highest balance {$50.00} Terms - Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met 30 Past due 30 days 60 Past due 60 days ND No data for this period Payment history guide 60 days past due as of XXXX XXXX 30 days past due as of XX/XX/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 2021-01-06
Company: KEYCORP
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I made a phone payment in the amount of {$750.00} to my mortgage servicer, KeyBank. On XX/XX/XXXX, I saw that the payment overdrew my account at XXXX XXXX XXXX where my checking account exists ( my direct deposit from my job hit my account on XX/XX/XXXX which caused the overdraft for the payment ). I immediately called KeyBank and advised them of the insufficient funds and ASKED MORE THAN ONCE if they automatically try to RESUBMIT THE PAYMENT FOR THE {$750.00}. I was told " KeyBank WILL NOT GO BACK INTO THE ACCOUNT, RESUBMITTING THE PAYMENT. '' I was concerned if I made another payment and this was incorrect, my XXXX account would be overdrawn because I had other items scheduled to be taken out of my checking account that normally come out during the first week of every month. After the representative made clear that there would not be a second attempt to get the payment, and me not wanting to have an outstanding amount owing, I made another payment with my checking account with the representative at that very moment on XX/XX/XXXX. On the very next business day, XX/XX/XXXX, my account was negative for TWO PAYMENTS of {$750.00}. I left work early after making an appointment with XXXX XXXX to try to get the double payment reversed and at the same time called KeyBank to explain what happened to see if in fact my bank could not reverse the error IF THEY COULD AS A RESULT OF THEIR ERROR REFUND ME MY {$750.00}. While they apologized for the incorrect information I was told because they do and did make the 2nd attempt and collected a double payment, I was told they could keep the payment for XXXX OR SEND ME A CHECK AFTER THEY LOOKED INTO IT WHICH WOULD TAKE SOME TIME. This was not acceptable. My bank worked with me and said they could TRY to reverse the payment and refund A service fee, however, I had other items that were going to post which would cause more than one overdraft fee, which is what has happened since XX/XX/XXXX UP TO THE WRITING OF THIS COMPLAINT XX/XX/XXXX. I received more incorrect information after calling KEYBANK again to ask for a refund and was told THEY DO NOT REFUND OVERPAYMENTS. My account is SEVERELY OVERDRAWN and XXXX XXXX XXXX can not overturn " multiple reversal/return fees and overdrafts '' which are 100 % KeyBank 's responsibility for going into my account on multiple occasions. My checking account is ruins. I met with the General Manager of XXXX XXXX who tried very hard to help me, but a lot is out of his hand. There are notes on both accounts that outline this entire fiasco. PLEASE HELP ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Spring Oaks Capital, LLC
State: NY
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:
XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and SPRING OAKS CAPITAL LLC has intentionally, knowingly and recklessly harmed me financially by repeatedly failing to properly and lawfully update my personal consumer report according to specific laws written by the Consumer Protection Financial Bureau. 
The law is clear and direct and should be understood by all parties involved in furnishing, publishing, and updating my personal consumer report. This is one of multiple disputes sent to XXXX, XXXX, XXXX, and several unethical and unlicensed data furnishing companies urging all parties to adhere to the law and adjust my personal report correctly. But due to a gross lack of due diligence on behalf of XXXX, XXXX, XXXX and their related subsidiary entities - unlicensed unethical, and misleading random data furnishes has had an unmetered free run at attacking and financially hurting me. 
I have received multiple responses from XXXX, XXXX and XXXX stating that they review and/or investigate. Solely and firmly leaning on the LAW, and based on my results anyone with a trained eye can tell that the three bureaus did absolutely nothing pertaining to investigation or reinvestigation on my behalf, and have failed me as a consumer. If the law is broken all willing participating parties should be held accountable for any fraudulent acts, not excluding Credit Slander and Defamation of Credit. Please refer to Congressional law 15 USC 6802 ( a ) ( b ) ( c ) ( d )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: PNC Bank N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Closed a savings account on XX/XX/XXXX. The representative who closed the account told me a check would be overnighted. I've contacted them numerous times and spoke to many diff departments but they have not responded. The reps I spoke with do not know when the check would be issued nor when I would receive it. This is an unethical business practice in an effort to keep my money longer. They also stated I would not receive interest for the month of XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-28
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed page of my credit report. 

I was never late. My family and i thinks its odd that Ive never held a balance at this company and also having auto pay that This company found a way to add negative marks on my credit for not paying on time. This is incorrect and has forced me to not qualify for a home the last 2 years. 

Account info Account name XXXX XXXX XXXXXXXX. 
Account number XXXX Account type Line of Credit Responsibility Individual Date opened XX/XX/XXXX Status Open. 
Status updated XX/XX/XXXX Balance {$10.00} Balance updated XX/XX/XXXX Recent payment {$10.00} as of XX/XX/XXXX Monthly payment {$10.00} Credit limit {$1800.00} Highest balance {$50.00} Terms - Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met 30 Past due 30 days 60 Past due 60 days ND No data for this period Payment history guide 60 days past due as of XXXX XXXX 30 days past due as of XX/XX/XXXXXXXX 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 2022-10-11
Company: PENNYMAC LOAN SERVICES, LLC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/2022 Servicer XXXX XXXX XXXX sent me another fake PayOff Statement on XXXX XXXX, unsigned and without any references to my alleged creditor On XX/XX/2022 Servicer XXXX XXXX XXXX and their robo-signer XXXX XXXX XXXX XXXX a scanned copy of my Note, which was obtained from some third party sources via XXXX, most likely from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The Note does not have any endorsements at all, so its unclear to me which relationship has XXXX to my Note ; how XXXX obtained my Note ( if they did ) and from whom XXXX obtained my Note, with the date when my Note was obtained and from whom it was obtained, with the name of an individual who transferred my Note. 

According to XXXX website, the current investor is XXXX XXXX who XXXX confirmed that they have no records about my transaction with XXXX or XXXX XXXX servicing activities. 

This letter was accompanied by unnamed XXXX while its unclear which relationship have these financials to XXXX. Yet, these Financials claimed some Title fees {$300.00} on XX/XX/2022, while I am not aware about any of these charges and who posted them, I demand a legitimate PayOff statement, with full name and mailing address of my alleged Creditor and wet-ink signed by an authorized XXXX of my alleged Creditor. 
I demand explanations which relationship has XXXX to my Note ; how XXXX obtained an access to my Note ; when XXXX obtained access to my Note and from whom. State names of all individuals who were involved. 
I demand a copy of Title documents for which XXXX claimed {$300.00} in charges on XX/XX/2022. 
As of Note inspection I dont want to speak with XXXX XXXX unless he is responsible for debits and credits on a loan account that exists on the books and records of the alleged Creditor. Is XXXX XXXX responsible for debits and credits on a loan account which exists on the books and records of my alleged creditor?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a check from business and deposited it into my Wells Fargo account on Monday. I was told by a manager at the branch that there would be a hold placed on the check ( normally 7 days ) but  that she would fully release the check on Wednesday, in only two days. 

At first, everything happened as promised and the check was released. Later on, after I had made a significant withdrawal, I was alarmed to find that my account was XXXX overdrawn with 15 pending withdrawals plus possible fees. I was told that this is because the check was had not cleared. I was warned if I didnt settle the balance, that my account would be closed as well. With this information, I proceeded to contact the mediator residing over the settlement and the business who issued the check. This resulted in the company offering to ach funds into my bank account, after they figure out why the payment didnt post. The issue was that the payment DID post to their account and the check cleared the same day that I deposited it. They even sent me an emailed copy of the check with my signature and a bank record. 

So I immediately contacted Wells Fargo who told me a number of things. 1. Business must not have had funds when they tried to collect but that they must have called other bank and resubmitted the check. 2. Business bank states that the check looked suspect and that they were concerned about fraud. 3. That because I have had overdrafts in my account, they had to put an additional 7 day hold on my account, or until the funds are deposited in my account. 4. They couldnt accept an online bank record showing the xxxx debited/check image so I should contact business bank for a copy of endorsed check on bank letterhead? 
None of this made any sense, especially because everyone has proof that they check cleared. 
Later, I was told by the manager at the local branch that she would call xxxx bank tomorrow to try and verbally verify that the check cleared and then she would release the funds ... .after she saw the copy of the cleared check with my signature. 
So I contacted customers service and spent 4 hours in total being put on hold, sometime spoken to condescendingly, lied to and patronized by various telephone bankers. 

The end result-Ultimately the money is still in limbo and I will continue to be overdrawn, until they fix this. I have a dd coming in a day or two that will be completely eaten up due to this.. if it is not immediately fixed. I have been humiliated due to their misinformation, and in addition to an immediate release of the check funds, I have asked for an apology letter/bank error letter that I can send to both the EEOC and the settlement company.

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 2023-11-22
Company: Incomm Holdings Inc.
State: WI
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
On XX/XX/2023, we purchased the Vanilla Visa gift card because it states it can be used anywhere online and it also states online that it can be used with XXXX, which is what we needed to use it for to pay a bill. However, when we went to pay the bill XXXX needed our zip code, which is a very common thing that is needed when you enter your info online to pay a bill. We entered our zip code and it didn't work. So we looked up the Vanilla zip code and that wasn't correct either. So we called Vanilla and got a person with a very thick accent who we explained the entire situation to and when we got done he said " so you are having trouble using your card in store? '' which is not at all what we had just said. And when we got done explaining all over again, in even clearer terms he said " oh you can't change your zip code '' without even looking it up to make sure he was correct. 

We had just paid {$6.00} to get this card and didn't have a lot of extra money to buy the correct card so we asked for a supervisor to make sure he was correct since he didn't seem like he knew what he was talking about. He said that the supervisor would say the same thing but put us on a hold line for over XXXX minutes and never got us to a supervisor. I'm not even sure he put us on a line for a supervisor, I think he just put us on hold and then went on to someone else. 

We had to do research online to find out that it was something they used to do but now per XXXX they don't change the zip code anymore, so you can't even use this card on XXXX. So saying on the packing and online that it can be used " anywhere online '' is absolutely false advertising as if you can't even use it on XXXX, the world 's largest online retailer, then it's not true that it can be used anywhere online. Also, I understand that there is going to be a language barrier with people in XXXX, but the person on the other line should be able to to at least understand what is going on well enough to understand our predicament. This person didn't even seem to grasp the very slightest bit of English. That is not ok if they are going to be working with mostly English speakers and need to be solving problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: EQUIFAX, INC.
State: GA
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:
I submitted information to Equifax its been months they have shown incorrect information and refuse to update it when the creditor corrected this issue months ago.I would like to seek legal action.My credit score and ability to apply for credit has been an issue and they have yet to fix the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: AMERICAN INTERNET MORTGAGE
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with American internet mortgage ( AimLoan.com ). I was approved for the XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX ) in XX/XX/2022. The government program sent a payment of {$16000.00} to my mortgage company on XX/XX/2022. XXXX said it should take only 2-4weeks max for the payment to apply to my account and get my loan current. Its been almost four months and the payment has not been posted to my account. Ive called AimLoan at least 50 times trying to see where the payment is, and they keep telling me that they havent got it yet. XXXX said that the payment was received by AimLoan. Every time I call AimLoan, the representatives know nothing. I called at least 10 phone numbers, and each person I speak to, sends me to another department. They just dont know what theyre doing

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: BANCO POPULAR DE PUERTO RICO
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2021, an annual membership fee of {$140.00} was posted to my account. On XX/XX/2021, I received an email notifying me of a statement generated. On XX/XX/2021, I called to cancel the credit card and to have the {$140.00} annual membership fee charge reversed because I did not agree to the {$140.00} charge. Representative refused to reverse the {$140.00} annual membership fee charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-22
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:
The account information listed directly below is inaccurate, and I dispute the validity of each. As per the FCRA you must delete all entries to my credit file that can not be proven to be accurate. Likewise, you must provide me with your Method of Verification. You are a partial owner of the e-Oscar system, which has proven to be unreliable for the intended purpose of my dispute, and does not constitute the legally required independent investigation that you must conduct. 
For clarity, the sections of the Fair Credit Reporting Act of 1970 which are referenced within this letter are : Section 604, Section 609, Section 611, and Section 623. I will assume that by the very nature of your business, I do not need to provide definitions of what is covered under each of these sections individually. 
The Information as Shown Below Must Be Investigated Immediately. 
Failure to Provide Adequate Details, Method of Verification, Accuracy of All Dates, Amounts, and other pertinent information will result in the immediate filing of formal complaints with the CFPB and the FTC. I reserve my right to sue you civilly in the court system, which will result in my seeking the maximum allowable penalty for each item. 

Account Name XXXX XXXX XXXX XXXX Account Number 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 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$780.00} U S DEPT OF EDXXXX XXXX XXXX : XXXX XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX Balance XXXX {$120.00} XXXX XXXX  XXXX XXXX XXXX : {$100.00} US DEPARTMENT OF EDU XXXX XXXX : {$4000.00} US DEPARTMENT OF EDU XXXX XXXX : {$3400.00} US DEPARTMENT OF EDU XXXX XXXX : {$3700.00} US DEPARTMENT OF EDU XXXX XXXX : {$2100.00} US DEPARTMENT OF EDU XXXX XXXX : {$5300.00} U S DEPT OF EDXXXX XXXX XXXX : {$2100.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/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 2023-11-22
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I lost my phone. And there were unauthorized transfers from XXXX on my bank accounts from different bank. Those transaction taken place between XX/XX/2023 and XX/XX/2023. I talked to my bank snd they denied my claim. And told me that these transactions ate not unauthorized. The amount total of unauthorized transactions is {$1300.00}

Company response to consumer: Closed with explanation