BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-21
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2023-09-04
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX open collection is not know by me and not my account XXXX XXXX XXXX is not accurate and not known by me. Not my account

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 2021-10-20
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IN
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Colony Brands, Inc.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I called the company and was told someone is buying perfumes and sending them to XXXX. I live in XXXX NY and asked them if they could have the person arrest or track them down, but they said that's very hard to do. 

They then told me they would look into the situation and would send me some sort of packet to state it was fraud? It's been 3 weeks and I haven't received anything ... And every time I Dispute it on XXXX XXXX it will pop back up on my credit. 

The strange thing is I gain XXXX credit points when it gets brought back on, but I seem to lose XXXX when I dispute it. Maybe I'm just reading it wrong. 

The balance is {$160.00}, but the weirdest thing about all this is that the person paid off some of the balance the first 3 months. It was opened in XX/XX/2021. 

CONTACT INFO XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX USA I then called XXXX and honestly Im getting tired of running around in circles, they told me I need proof that it was identy theft, and Im not sure how I am suppose to prove that... So they sent me to FTC... 

This was not my account, I want it closed, even if it hurts my credit. I would also like a security check if anymore accounts are opened, if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX I was booking a flight on XXXX. When I went to pay a screen popped up offering me a American Express Delta rewards card. This card would entitle me to XXXX miles and a {$300.00} statement credit if I spent {$1000.00} in the first three months. Being that this trip I was booking was an expensive one, I decided to take advantage of the offer and cut down on my costs. I went through all the screens and was immediately approved. A couple of months have gone by and I noticed no bonus to my account. I reached out to American Express on XX/XX/XXXX to inquire. They told me that I did not qualify because I had already had a card with a bonus back in XXXX. I was never informed of this when applying. If I had been informed, I never would have continued as I already use a rewards visa through XXXX. The representative offered to open a case for me XXXX and today I checked on that case. It seems that Amex is unwilling to correct this. That is why I am turning to you. Like I said earlier, what sense would it make for me to open another rewards credit line without the rewards? Please look into this and make this right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: STOCKTON MORTGAGE
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed a conventional mortgage refinance loan in XXXX of XXXX with Stockton Mortgage with the " investor '' being Fannie Mae. At the time of the refinance, the loan did require PMI due to originally being made above 80 % of cost/value. On XX/XX/XXXX I submitted a PMI Removal Application per the instructions provided by Stockton Mortgage through email and received a response that they had received and would let me know any further info needed. The next response I received was on XX/XX/XXXX indicating that XXXX had ordered a valuation and that I would be contacted within 7 days to get that scheduled. I did hear promptly from the XXXX and communicated with him through XX/XX/XXXX last of which was confirmation from him that the report was complete and had been provided to his client ( Stockton Mortgage ). On XX/XX/XXXX I emailed XXXX to confirm status of the request and they replied that " the report has not been completed or provided to us by the investor. '' When I heard nothing further, I sent a follow up email to check status on XX/XX/XXXX and on XX/XX/XXXX I received a reply stating " the investor has requested some paperwork from us to review before they complete the report. We will let you know when they have submitted the completed valuation ''. Again, I heard nothing so sent a follow up on XX/XX/XXXX asking about status and received a response on XX/XX/XXXX stating " the process is not completed yet. We will contact you upon completion '' with no further explanation or detail of what further was needed. I received absolutely no communication until I again sent an email on XX/XX/XXXX. I received a reply XXXX stating that " the investor is looking for a copy of the XXXX XXXX and XXXX Deed with the legal description included. We have been trying to obtain this documentation for quite some time now. Would you happen to have these in your file, and if so please forward a copy to us? ". I was able to obtain these documents and send them them by XX/XX/XXXX and asked why they had not requested the documents from me sooner with no response. 

The last email I received on XXXX indicated that the documents were uploaded to the XXXX portal and they would let me know when they heard back from the investor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Experian Information Solutions Inc.
State: GA
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2023-10-11
Company: Experian Information Solutions Inc.
State: SC
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-02-11
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
I would Like to complain what happen to my account in XXXX XXXX Paypal decided to ban my account. This what Happen After I withdraw my money and theres a Payment come through from my client its only {$6.00} just a small amount of money what a type of Payment receiver is this?. Paypal notice it and without any Further notice they banned me for File sharing? Like What the heck? I didn't share my information to any Websites or any thing that outside my business description. Re instate my account and review it well. Change how your System check the accounts of the user. Even freelancer who working well have been experiencing this type of problem. 

You can no longer do business with PayPal ( XXXX ID - XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: Resurgent Capital Services L.P.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After receiving notice from a different debt collector regarding a debt of {$210.00} they were trying to collect, I sent a letter noting that I do not have any responsibility for the debt for which they were trying to collect. I then received a letter from Resurgent Capital Services dated XX/XX/XXXX for the same debt, stating that unless I notify them within 30 days after receiving that notice that I dispute the validity of the debt, they will assume the debt is valid. They sent another letter dated XX/XX/XXXX, which included a copy of a bill from XXXX for someone with the same name as me, but for an address, state, phone, and account that did not belong to me. I sent a letter dated XX/XX/XXXX, stating that the debt does not belong to me and I have no responsibility for it. I noted that none of the information in the billing statement they provided corresponds to me. I requested that they send a letter stating that they agree this debt does not belong to me within 30 days of receiving my letter. I also requested that they stop all other communication with me. I also requested that they not forward my information to another company and that they notify the other companies mentioned that this debt is not mine. I asked if they had reported this to a credit bureau that they notify them that it does not belong to me and to remove it from my credit record. I let them know that they have no permission to use the information I have provided for any other matter at any time and requested that they remove my information from their records. 

I received another letter from Resurgent Capital Services dated XXXX XXXX, XXXX. That letter included the same information that was included in the one sent XX/XX/XXXX & XXXX. I sent another letter on XXXX XXXX, XXXX, stating categorically that this debt does not belong to me. I stated that none of the information in the billing statement provided corresponded to me. I have never lived in that state, I have never had a phone with that area code, I have never had an account with the original company with that account number and that I owe them nothing. I once again iterated that they should stop all communication with me in any form and to notify the other company ( ies ) that this is not my debt. I also stated that they have no permission to use the information I have provided for any other matter at any time and to remove my information from their records. 

I received another letter from Resurgent Capital Services dated XXXX XXXX, XXXX, stating that they have initiated a review of the inquiry recently received. 

Additionally I believe they either shared or sold my information to another debt collection agency which has now contacted me regarding a different debt that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX  XXXX has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated.

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by XXXX XXXX XXXX  XXXX before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXX XXXX  XXXX to furnish any late payments to my consumer report. It is my belief that due to XXXX XXXX XXXX  XXXX business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, Transunion ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.

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 2021-10-20
Company: EQUIFAX, INC.
State: AL
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: Phoenix Financial Services LLC
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: Their investigation did not fix an error on your report

Complaint:
Hey, you are still the one who is reporting incomplete and inaccurate information on my credit. It's impossible that you don't know to report accurately. I need you to remove this from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Experian Information Solutions Inc.
State: VA
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. Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my accounts were properly investigated but how is that possible if the open dates are inaccurate, the date last active is inaccurate, date last reported is not accurate. This ground for removal they also violated my rights under 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 USC 1681 c ( a ) ( 5 ) Section States : no consumer reporting agecy may make any consumer report containing any of the following items information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years XXXX XXXX XXXX, XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX, XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX XXXX XXXX  XXXX, XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX  XXXX XXXX XXXX, XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX XXXX, XXXX Please investigate if every piece of information is correct. If not, please remove it 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 explanation
Consumer complaint received 2022-05-25
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
When I signed my loan documents the insurance payment was included as part of the mortgage payment. ( Attached a copy of the closure documents ). The lender company sold the loan to fifth third bank and I did not signed with Fifth Third any paperwork that implied me to purchase home insurance separately from my mortgage payment, as it is stayed on my closing documents. I request to re-open this case and review the closing documents terms I signed. They are not honoring the terms i signed with the lender company, where it is stayed the homeowners insurance is included on the mortgage payment. 
I have requested to remove the PMI insurance, as I have not missed a payment on this loan. The Bank is refusing to remove the PMI, as they stay I did not purchase an insurance when they notify me. Which I signed on my closing documents was going to be paid as part of my mortgage. They are not honoring the closing documents I signed with the lender company and are refusing to remove the PMI with no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have reported to all three credit agencies that I need information about several accounts that I know are not mines ( XXXX ) and incorrect address/phone numbers. They are not updated. Ive paid accounts off and it still shows unpaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: Incomm Holdings Inc.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I tried to use a prepaid Vanilla Visa Prepaid Gift Card on XX/XX/XXXX, issued by my employer ( and was already activated when I received the card ) and it was declined ( expiration date is XXXX/XXXX ). Went to check the site and saw there were charges made in XXXX. I had not used the card, nor did I receive any notice that the card had been used. I called the customer service number to report it immediately when I became aware of this and was told to fill out paperwork - this was on XX/XX/XXXX ( same date as I became aware of the charges not made by me ). They sent a packet out via email which I filled out and returned. I received a request for additional information on XX/XX/XXXX which I filled out and returned. The gift card was for {$500.00} with charges of {$490.00} already used. 
I now received a notice XX/XX/XXXX that they closed the case and I had not reported the fraud charges in a timely manner. I never received any notice the card was used and I reported the fraudulent charges on the same day I became aware of them. 
I was not the one that purchased the card, it was purchased as XXXX gift to me from my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My account was originally with BBVA, a direct deposit for {$340.00} was sent on my closed BBVA account number XXXX. The funds should have been rejected and sent back to the company. Instead, BBVA cleared the wire on XX/XX/XXXX but never credited my current account. As of XXXX PNC took over and Im getting the run around about my money., I have a Federal Tracer number of XXXX. Which shows funds cleared. I was on hold with PNC on XX/XX/XXXX for 2 hours no one picked up. Then again today XX/XX/XXXX for over 2 hours and have spoken with 5 different people and this has not been resolved yet. They have everything they need to track this wire with the feds yet no one has done a thing to help with locating my funds. I need someone to take charge and to their job. PNC merged with BBVA worse thing that couldve happened. Nobody knows nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WV
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I got 4 emails from Bank of America back to back claiming to have a new savings account opened in my name. And I tried calling them but I don't have a current account so I can't get through to them because it keeps asking me for my bank info. I'm still trying to find out how to contact them to fix this worried someone opened something in my name. This happened on XX/XX/XXXX at around 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