BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-24
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On today, XXXX XXXX I received a credit alert regarding a collection. I thought it was a utility company, but when I called the number it is a collection agency stating I owe {$280.00} to XXXX on an account opened in XXXX, and paid until XX/XX/XXXX. I informed the agent, I have not ever had comcast. She asked me to verify last 4 of my social. I asked her if she could see the name on the account, and she states there is no name, only last 4 of social, which do indeed match my SSN. She asked was I aware of the service address and I stated yes. I lived there from XXXX to XXXX through a company called invitation homes. I relocated to XXXX, GA in XXXX, and then to XXXX CA in XXXX. She went to verify my new address and stated it was XXXX XXXX XXXX, I informed her that is not correct.. she has no records of my current address or prior address. She also tried to verify an email, stating it was XXXX I informed her this is also not my email. My email is XXXX I have no knowledge of this account, which has now reported to my credit report as a collection from XX/XX/XXXX, when she states the account was from XXXX, 6 years ago. I informed her, I have never received any type of notice regarding an account with XXXX or a debt owed. She has mailed me a fraud packet to complete. I informed her that this account is now showing on my credit report as a collection and how am I to get this inaccuracy removed. In addition to whoever owes this debt, the debt is from XXXX, it is now XXXX. She states they will have to reach out to comcast. I called XXXX today and spoke with agent named XXXX. She does not show any accounts under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Over 2 months ago, I applied for a mortgage with Pentagon Federal Credit Union. My credit score is excellent and the loan to value ratio on the loan was low. About 30 days later, the Credit Union told me my loan was approved and asked me to wire over {$15000.00} to the title company for closing, which I did. One day later, they told me they couldnt close the loan because there was a lien on the property for solar panels. After a few days of back and forth, I submitted the paperwork to get the lien cleared. Over the last three weeks, I have tried to contact Pentagon many times through both email and phone channels and have received no response. I have asked them to send back the funds and they have not. I have asked them for the status on the loan and received nothing from them. Right now, the title company still has my money and I can not apply to another mortgage company to secure the loan. I have had no communications on when or even if the loan will close. I am a XXXX XXXX on an average income and need to have the money returned so I can secure a mortgage while interest rates are so favorable. Thanks so much. Please help.

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 2021-09-21
Company: Experian Information Solutions 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. XXXX XXXX XXXX am a victim of identity theft. There are fraudulent accounts on my profile that need to be removed 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 2023-09-29
Company: MOHELA
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I requested to be removed from forbearance in both an email and on a call with a direct agent. She said it would take a few days but I would be removed. I was placed back in repayment but i looked again today and I am in forbearance again without my permission

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I received my credit report to find that things were put on my report that  was not authorized by me, I didn't give anyone written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: National Credit Systems,Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have sent in a dispute letter asking for the contract where I supposedly signed for this account. I sent in 3 dispute asking for proof and have not received anything yet the credit bureau continue to state this account has been verified, but how? I have not gotten any documents from this collection company with my signature I signed.I sent factual proof that this account was inaccurate and reporting incorrectly to my credit and should be removed. I have been sending out dispute letters since XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: BANKMOBILE TECHNOLOGIES, INC
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Because I no longer have access to my old phone number and my email account XXXX  money won't let me change the phone number and email address so I can access the app and check out my transactions and you know everything that goes wrong with having a bank

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 2023-03-11
Company: Experian Information Solutions Inc.
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:
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. 
XXXX XXXXXXXX XXXX  XXXX : account states closed : Loan account # XXXX  opened XX/XX/XXXX XXXX XXXX : account states closed : opened XX/XX/XXXX XXXX XXXX XXXX  : account closed : opened XX/XX/XXXX XXXX XXXX XXXX  : account closed : opened XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX  : account closed : opened XX/XX/XXXX 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 conviction 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Wednesday XX/XX/2023 I received a call from pnc over a {$1.00} charge to my account flagged as suspicious activity. They had asked if I authorized any charges and I said no. They then suggested a card replacement I asked how long it would take to arrive and they said 3 days and I would receive it by Saturday the XXXX. I said I CAN NOT be without access to my paycheck that is directly deposited into my account on Friday XX/XX/XXXX and that I do not want to do so if there was ANY possibility I would not have access to my money as this would cause severe and permanent damage to my health and living situation. Against my wishes They proceeded to do so. It was not until Saturday I learned my debit card had been deactivated while trying to buy food and get my prescriptions. At this time the banks had closed for the weekend and I was unable to get an XXXX back to my home 10 miles away. They told to go into a branch to get money and I had to tell them that they closed at XXXX on Saturdays. Next they said I can use cash app and link my bank account. After having to WALK 10 miles home and NOT being able to work my scheduled shift when I tried to link it to XXXX XXXX I it turns PNC dose not allow XXXX XXXX to be used. I have asked PNC to reactivate my old debit card and they said they could not do that. Then I asked them to activate my new card and they refused to do so and gave me " other '' options and every one of those would work but it WILL REQUIRE an active debit card. The last option was to use XXXX and I was able to link my account but it still requires the ACTIVE debit card to proceed. I do not have a car I can not just go to a branch. They have no knowledge of requirements to use 3rd apps and have no current options for account holders to have an ability get their money in emergencies situations or even care for that matter. For them to tell me to ask my friends family or neighbors to borrow money when I have it is not only insensitive, it makes me ask what is the point of using a bank if they claim you will always be able to access your money and trust them, but then destroy your quality of life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The credit agency is reporting bankruptcies on my credit report. When I disputed, they stated the information was verified. I reached out to the bankruptcy court and asked what method of verification was used. I was told in writing that they DO NOT report to credit reporting agencies. When I asked the credit agency how it was verified, they stated through an e-verifier.

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 2021-05-22
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX, Transunion required me to pay a membership fee to submit a credit dispute. After I paid the membership fee, I proceeded to fill out the credit dispute form. I spent 20 minutes filling out the supporting information, but when I attempted to submit, I got an error stating that there was an error submitting my information. I tried submitting via mobile and desktop several times on XX/XX/XXXX, as well as several days later -- each time with the same error. I tried using XXXX XXXX and XXXX. 

Instead of getting help from Transunion, I continued to receive marketing spam that I did not opt-in for.

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 2023-05-22
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal prote consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 2021-02-08
Company: AMERICAN EXPRESS COMPANY
State: NJ
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:
I contacted XXXX via Certified Mail in attempt to retrieve my XXXX  Credit Report for my own review and verification in XXXX of XXXX. I tried using XXXX  but was unable to get my credit report there due to " unverified information '' based on the answers that I have choose for the several of the questions asked. 

Again, as of XX/XX/XXXX, I have tried getting an update on my XXXX credit report to make sure that all of my private and personal information is correct and protected, but however, my request was denied via XXXX because of the answers that I selected based on my correct information, when questions were prompted on the screen. I also called XXXX  and have spoken to XXXX ID : XXXX, XXXX ID : XXXX, and XXXX ID : XXXX, in which XXXX from the " Dispute Department '' constantly ended the call in mid conversation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
XXXX  has humiliated me over and over again. i have disputed and provided police reports and i was told that my accurate police report was a fake. i asked the company did they call and they advised me that they didnt called they just feel its fake. i was so enraged. 

i advised them the bankruptcies on my credit were not reported by the courts and they had different addresses on them. i provided documents from the courts and nothing no reponse

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 2023-09-27
Company: Nicholas Financial Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Item 5 : - Account Name : NICHOLAS FINANCIAL - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please. 

Item 6 : - Account Name : NICHOLAS FINANCIAL - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please. 

Item 7 : - Account Name : NICHOLAS FINANCIAL - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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, 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

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 2023-11-06
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XX/XX/2019 I contacted Capital One to discuss the financial hardship and unforeseen unemployment status and my husband 's situation with his XXXX and SSI pending hearing. Capital One assured the both of us and sent me an email in XXXX to confirm our phone conversation. I was informed that we wouldn't be penalized for late payments because we would be placed in 3-6 month no penalties and free of late payment worries. However, instead capital one reported those months of financial hardship and unemployment as late payments which are now impacting our credit report. I ask that Capital One remove those late payment recordings immediately on both of my cards including my husbands card who is XXXX and unemployed and does not receive SSI still pending hearing with judge/attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: EQUIFAX, INC.
State: GA
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 recently sent letters over 60 days ago to this bureau Equifax and they are disregarding a regular consumer dispute. I'm stressed and extremely upset at this company because I've been sending letters before this and still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
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:
collection agency violated FDCPA, FCRA and HIPPA by posting protected medical information on various credit bureaus without validating that the alleged debt belongs to me. 

I've mailed several letter requesting they validate the alleged debt and produce documentation to substantiate that the debt belongs to me and if it is, to provide written proof that i signed HIPPA releases allowing the protected medical information to be discussed with a 3rd party. Furthermore, I've asked them to provide a copy of their written permission from my to discuss ANY of my protected medical information with a 3rd party such as XXXX XXXX 

They have failed to respond and furthermore have attested to the XXXX XXXX that they have the legal documentation and that the debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: Experian Information Solutions Inc.
State: OH
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:
I reviewed a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided with and may possibly be relatives addresses. 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX Also, these phone numbers that aren't mine and should be deleted from each credit reporting agency. 
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