BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-23
Company: Duvera Billing Services, LLC
State: MI
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 existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
US BANK IS REFUSING TO PROCESS DISPUTES ON MY ACCOUNT WHEN I CALL IN I AM ROUTED TO SEVERAL DIFFERENT DEPARTMENTS AND GIVEN THE RUN AROUND

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 2022-04-27
Company: Thrift McLemore, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX XXXX from the firm THRIFT MCLEMORE LLC XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Has been harassing me with unsolicited emails and mails to my private residence asking me to pay or collect a debt that doesn't belong to me and says he will proceed by suing me if I don't pay him and his company {$80000.00} within 5 business days. 

This is very unethical and quite disturbing that this person and debt collection company have my private residence address and could harm me at any given point.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: EQUIFAX, 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:
This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report inaccurate information on the fallowing account. I recently sent you a request to investigate the information previously disputed on my consumer report on XX/XX/2022 your company has not fixed issue. It is still reporting inaccuracies on my consumer report. Please investigate these accounts and send me an updated report with these changes. As these companies are in direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a 1099c form this company please provide me with one do not update this account delete immediately! 

ACCOUNT NAME : XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX ACCOUNT # XXXX This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing accounts. I have asked for proof of these Late Payments and they have failed to do so after sending several request certified mail as I will attach below. I am also aware these companies are not allowed to report transactions on my consumer report under 15 usc 1681a ( 2 ) ( a ) ( i ) - Permisible Purpose, ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX ACCOUNT # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
O n  XX/XX/XXXX my husba nd and I closed our joint  Chase acco unt due an automatic monthly charge that would not stop recurring even after we told a separate company to stop the charges. I had the account with  Chase for  over 2 years plus being a customer with them for over 7 years all together. My husband was added onto my account back in   XX/XX/XXXX ,   so  the account was firstly mine then became a joint account. All my banking has ever been wi th Chase. So aft er we closed the account, my husband immediately opened anothe r one and  then on   XX/XX/XXXX  we  went back into  Chase to add  myself onto the account and i was declined twice. All they would give me was a piece of paper that stated i needed to call   XXXX   to find out why i was being decline . Chase sa id it could possibly be from fraud on my credit or frozen status. I called   XXXX   and talked wit h two diffe rent ladies who both told me the same thing. I had no fraud or any issues with my credit that would gi ve Chase a ny reason to prevent me from opening an account or be added onto my husbands account. So I called  Chase  through their corporate customer service and told then everything that happened and they were not help either. All they said was to keep calling  XXXX  I am completely lost and do not know what else I can do to open a bank account. I tried other banks and I keep getting declined. I need some detailed report as to why I am being declined for a bank account. I also have never had a bad check in my name nor have I ever closed an account with a negative amount. I was never in bad standing wit h Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Experian Information Solutions Inc.
State: IN
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file. 

XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/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 2019-10-09
Company: PNC Bank N.A.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Got a loan with PNC bank. 
https : //www.pnc.com/ They delayed payment of my loan after close by over 20 days. The bank stated they legally have 5 days to deposit funds. Below is a copy of my checking account with zero funds after the 6th day of closing. They insisted on cutting a check to my credit card but were unable to properly cut a check that large and mail it to the correct address. The check amount was XXXX {$20000.00} and the first check was cancelled from the corporate the second check sent to the branch was lost in the mail. Finally after 20 days they the branch cut me a check. I incurred additional fees and interest from my credit card during this time since the original check was cancelled in addition I incurred interest from the bank on the funds they didnt deliver. 
I was dealing with the branch manager, corporate office and the loan officer. Most of the parties involved stopped returning my emails as if the problem would go away on its own. I sent over 30 emails to various employees and made over 20 calls to the same people. 

My loan officer XXXX did was impossible to reach XXXX XXXX XXXX NMLS # XXXX Loan Processing Analyst Fulfillment, XXXX XXXX XXXX XXXX XXXX XXXX PNC Bank XXXX XXXX XXXX XXXX XXXX, PA XXXX ( p ) XXXX ( f ) XXXX XXXX They eslcalted my case to XXXX XXXX who simply stopped returning my calls after the 2nd check was lost in the mail XXXX XXXX XXXX XXXX, XXXX Client Relations PNC Bank XXXX : XXXX Fax : XXXX XXXX I was dealing with this branch who refused to provide the XXXX name after i stated i would file a complaint. 
Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Experian Information Solutions 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 submitted a letter to the Credit Bureaus to correct these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-19
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company ignored my request for debt validation, reported a wrong debt on my credit report, they fail to identify themselves when they contacted me through this site, they did not provide me with any updated information and They did not provide a detailed information at all that could help me identify the debt in question. This actions violates the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act. 
The only medical service I had that year was a workers comp case, which makes this collection illegal and to report it to credit bureaus its against the law.

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 2017-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 requested that the credit bureau explain or prove how they verified the accuracy of a public record on my credit report. They did not send me copies of documents used to verify the account information. They did not give me the name of the person who verified the information as I requested, yet continue to display unverified information on 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 2022-04-08
Company: EVERBANK, NATIONAL ASSOCIATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I transferred {$5200.00} dollars back in XX/XX/XXXX to my XXXX XXXX  account with TIAA. At that time, the company could not verify my identity and told me that the money would be placed on hold until I did so. I verified my identity shortly after, and was told that my money would be placed in my XXXX XXXX. I checked my accounts frequently after that exchange but did not see the money in my account, nor did the money go back to my bank account where I transferred the money from. It was XXXX at this point and I decided to wait since it was the holiday season. 

In XXXX, I called TIAA again asking about the status. The person I was on the line with said that I identified my identity too late ( even though they did not send me any emails about this issue, and I found it when I logged into TIAA myself and saw the message there ), and as such the money was being sent back to me. She said I would receive it by check through US mail in 2 weeks. I waited those 2 weeks and in XXXX called customer service again, and was told that they sent the check out. I once again said I did not receive it, and they told me that they will send another check out, and that I would receive it by XX/XX/XXXX at the latest. 

In XXXX, I had yet to see the check and decided to call customer service again. The person on the line said they saw I deposited the money, but have no idea where it went, and said they will call me back. I waited for 2 weeks again, and called customer service again, asking where my {$5200.00} was and when I can get it back. They are still in the process of finding it today ( XX/XX/XXXX ) as they called me the day before to update me on this. I am filing this report because it has been almost 5 months since I transferred my money over and I nor anyone I have spoken to seem to know where it has went. 

*The address on the bank statement attached has since been updated

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: EQUIFAX, INC.
State: WI
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'm currently in the process of reviewing my consumer reports and noticed many inaccuracies regarding account # XXXX including but not limited to, Account Status, Date Opened, Last Reported, Date Last Active, Date of Last Payment, as well as Payment History. 
15 U.S. Code 1681e - Compliance procedures states : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Please investigate and provide proof that the consumer reporting agencies were in compliance with this matter. Please delete from my report with this agency for violating compliance procedures. Thank you in handling this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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: EQUIFAX, INC.
State: CO
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX sent me a email that it looked like my personal data may had been compromised. I opened it up and reviewed everything and there was several unknown inquiries and accounts that certainly did not belong to me. I pulled my credit to make sure, and these accounts I am reporting are definitely not mine. Please remove these items from my report. 

XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX {$1000.00} XXXX  XXXX {$510.00} XXXX XXXX XXXX XXXX {$180.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Carvana Group, LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have purchased a car using Carvana online. XXXX used XXXX XXXX. I received documents from loan servicer XXXX which I did not consent to. XXXX have been charging me excessive interest and fees for contract with no agreement. I became ill and was unable to work as of XX/XX/XXXX. Today my car was repossessed illegal by Carvana/XXXX in which they are demanding payment {$3000.00} before returning the vehicle. I refuse to pay this debt due to billing error dispute pursuant to 15 USC 1666a. I have the right to withold payment. The original contract stated the finance charge is the sum of all charges. Where does the additional balance arrive from?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit 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:
so on the  XXXX  of  XXXX    XXXX   I received an email from Best B uy ( BB ) th anking me for my order. the email was timestamped  XXXX .     But I did n't order anything.     I found the email and read it sometime before   XXXX   XXXX   XXXX   that day because I had already call ed citibank/bestbuy had the car d canceled and changed my password on all my accounts. My balance on the card is  XXXX  today.     However I wondered what would happen to the {$1600.00} laptop that was ordered. Would BB actually ship it? I was dismayed to learn that even no more than  90  min after the order was made e ven CS at BB could  not cancel the order but they informed me that the matter had been sent to their fraud department whatever that means. I have to say that th e BB CS was abysmal I can t imagine anyt hing worse. They didn ' t seem to care about the fraud, or want to discuss what would happen next but they were very interested in verifying my identity. This order was made online and I ha ve the BB  card, it has never left this house.     The person receiving the order is "  XXXX   XXXX   XXXX  '' in  XXXX   XXXX   XXXX   XXXX   XXXX  NJ.   Needless to say orders are not charged until shipped an d Citicards/BB said  it would not ship as there was no valid card active.     However it did ship and is on its way. I have been told that I am not responsible as I reported the fraud before it was shipped but what I want to know whose card was charged or is this a ploy of UPS/BB to intercept and arrest whoever signs for the package on the  XXXX  of  XXXX ??   I have not been able to get any assistance from  CIti or Best Buy on this matter and I am turning to you to help me understand since BB will no t or can not tell me why they sent  XXXX  dollar order that no one had paid for.     I tried to contact  XXXX  but there was no way to do so, I tried to call the police department in  XXXX   XXXX  but they hung up on me. Nobody wants to stop this crime.

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