BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-23
Company: PNC Bank N.A.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
The lender is forcing the escrow to my account. 
Last year they bought the mortgage from the other lender and they just decided to add the escrow to my account even though I didn't agree on it with them or with the previous mortgage lender. I never received the letter about it but found out during setting up my mortgage payment. During settlement with the previous lender I check the box that I will pay my taxes and don't need the escrow, this lender decide to sent the money to tax collector and pay the taxes even they are paid already they added {$12000.00} to my mortgage and my credit dropped XXXX points because of that. They went and send {$10000.00} for property taxes and thanks god my tax collector didn't deposit the checks, but they credited my account even thir checks were not depositedand i never approved that. I tried to ask them why they are doing that they try to tell me that there is delinquent taxes on my account which wasn't true. I provided all the needed statements, checks and even a certified tax letter and I am just stock with them, they are not willing to listen, they even told me that the township call them and asked for the money that was a lie because I asked township if my bank lender called about my taxes and they said no. They did not stop harassment against me and I think that they are doing discrimination because of my first and last name, that how I feel. I even call them and they are saying that they can do that, even I have all proofs that all taxes are paid. 
PLEASE HELP, DONT KNOW WHERE AND WHAT TO DO ANYMORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
HSBC Bank, XXXX XXXX XXXX has failed to provide valid confirmation through a contractual agreement containing my full signature that a debt is owed for a charged-off balance. I don't recognize any statement balances produced. HSBC Bank, XXXX XXXX XXXX is well aware that I dispute the full charged-off balance amount. HSBC Bank, XXXX XXXX XXXX continues to report a charged-off balance amount and write-off at the same time. HSBC Bank, XXXX XXXX XXXX failed to notify me in writing when the charge-off balance was transferred and to whom should be the proper party to contact, as HSBC Bank XXXX XXXX XXXX XXXX asserts to no longer service this charged-off account balance appearing on my credit reports. HSBC Bank, XXXX XXXX XXXX is causing damaging harm to me and refuses to produce any evidence that a contract agreement containing my signature exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: Experian Information Solutions Inc.
State: TX
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:
There is incorrect information on my credit report. I have sent several letters requesting that the incorrect and unverified information be removed from my file. XXXX XXXX  has failed to provide me documentation on file that proves the account is accurate, nor have they deleted the inaccurate unverified accounts. I am requesting that the accounts are deleted 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 non-monetary relief
Consumer complaint received 2021-01-19
Company: Coinbase, Inc.
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I went to every Coinbase help page I could find, and they all said they were overloaded with high traffic. All I really got access to was a a long list of FAQs. I sold {$2200.00} worth of Bitcoin on Coinbase, on XX/XX/XXXX, it was converted to USD. I am now trying to withdraw that amount into my linked bank account, and when I try to, I get a pop-up stating that my balance is {$0.00}. I understand there may be a waiting period for money to clear ; however, I use a Mastercard debit for my withdraw, this carries a higher fee, and is supposed to be " instant '' ... So perhaps you can understand my frustration. Every time I went to a " help '' section of the app, I was just redirected to a site full of FAQs, and the high traffic disclaimer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-27
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I tried to login in with my Equifax login information as was given an error message that I needed to call in and get a new password. I called in and able to talk with a woman who I could hardly understand. She was asking me questions in very poor broken XXXX. I asked on over 10 times to be transferred to US based customer service. At this point she and I are both very frustrated. She told me she was not able to verify my identity and that I would need to send in Information. I'm not sure what information or where to send it. 
I again asked to be transferred to US based customer service. She asked if I had any questions. I said YES. I don't understand what you are asking me to do. At that point she said she would tranfiet me and next thing i know she has hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
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: Account information incorrect

Complaint:
XXXX XXXX XXXX Balance : {$0.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit. 

XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1500.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX XXXX XXXX : {$1800.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. 

XXXX XXXX XXXX Balance : {$0.00} - The creditor information is missing. Please remove due to failure to identify the creditor Name address or phone number. Account can not be verified.

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 2021-01-19
Company: General Motors Financial Company, Inc.
State: NY
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:
GM is showing the account was charged off. As of XXXX XXXX,2020. The account was open and I made a payment on the account. I was in a car accident on the XX/XX/XXXX. I had full coverage on my account and gap insurance. My insurance company sent a check for the difference owed on the account. Which will make the account paid in full. They are reporting as Charge off account. ( reporting a balanced ) The account was paid in full. Im requesting the account be removed total from my credit report. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: CBC Companies, Inc.
State: GA
Product: Credit reporting 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 writing this request that I have been a victim of identity theft and I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. 
The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. 

Kindly eliminate the accompanying records as they are false and were opened without my assent or information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: A+ Financial Services, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
A check was cashed by A Plus Financial Services that was stolen from me. I reported the check lost or stolen to my insurance company XXXX XXXX XXXX XXXX .Consequently the check was cashed at the aforementioned check cashing facility. This company didn't exercise due diligence confirming the identity of the holder or legitimacy of the document.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: Account Services Collections, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I had an on the job injury to my XXXX XXXX. Per protocol, I was taken to the ER at XXXX  XXXX XXXX XXXX. I later received a bill for {$300.00} for the visit. 
On XX/XX/XXXX, I forwarded the bill to the Department of Labor and again XX/XX/XXXX. This is the first time I am hearing any type of communication from this collection agency. Account Services is now reporting this as negative account on my credit report. In addition to a significant drop in my score, this erroneous information will flag my military XXXX XXXX and put in my career in jeopardy. I do not owe this debt as it is a Worker 's Comp/ DOL billing issue and I need it 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 non-monetary relief
Consumer complaint received 2023-04-13
Company: Sterling Infosystems Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I was denied  XXXX XXXX XXXX on XX/XX/XXXX. They did a background check at sterling on me. There is a XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  and it is over 7 years old. It is 11 years old. The charge date is XX/XX/XXXX and the disposition date is XXXX XX/XX/XXXX. Ive been denied at XXXX and XXXX also but it has been couple years ago. But is it true its only suppose to be on my file for 7 years? If so will you please update my file. Also on the other XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX isnt suppose to be on there because I did drug court and it was suppose to be expunged. I was told that at court. That was part of the plea agreement

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 2021-01-19
Company: EQUIFAX, INC.
State: NY
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:
XXXX  report # XXXX Equifax report # XXXX XXXX  file # XXXX I am filing a complaint because XXXX, Equifax, and XXXX  have ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( 11 ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that i have disputed. Please resolve this matter as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: Oliver Adjustment Co.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a letter to OAC Collection Specialist dated on XX/XX/XXXX XXXX XXXXfor an amount of {$310.00}. I ask them to verify and send me a breakdown of fees. In addition, to provide me a copy of my signature with the provider of service to release my medical information. This is an error on their behalf. I am disputing this to the Credit Bureaus as not been verified. This bill does not belong to me and I am requesting for proof of this bill.

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 2023-11-21
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I RETURNED EQUIPMENT XXXX CABLE BOXES AND XXXX REMOTES TO THE FRONTIER OFFICE AND THEY ACCEPTED IT. I LATER GOT BILLED FOR UNRETURNED EQUIPMENT. I CONTACTED THEM AND THEY STATED THAT I HAD XXXX BALALNCED OWED. CUSTOMER SERVICE VIA PHONE SAID THEY HAVE NO RECORD

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: Comerica
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been issued three Direct Express Cards where the deposit has only appeared in XXXX. Deposits should have appeared from XXXX of last year. There are several credit cards missing including a XXXX card, there is a settlement from XXXX XXXX XXXX, there is a social security check from the first of this month. It is my opinion that someone is depositing this money into a cellphone with my information in it. It is a duplicate device and then taking it to someone who can get tbe money out of the device. It is also my opinion ghat they may be transferring the money in others accounts, they then want me to get into someones car while they use my money like im XXXX no one does this. A duplicate device with a persons infromation blocks them from receiving. They are then deposting partial or no payment to my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: EQUIFAX, INC.
State: TN
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 have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Experian Information Solutions Inc.
State: CA
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 called your department after I purchased a credit report with XXXX XXXX dated XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was negative accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I has a negative that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these negative accounts, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in these written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the Better Business Bureau . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.

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 2021-01-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I Have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX  ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative 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! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: Nelnet, 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: Their investigation did not fix an error on your report

Complaint:
I reviewed my person credit report to see where I stand with my credit score back in XX/XX/2020. I came to realized that someone used my identity to obtain several student loans. I assumed that these are college/university student loans. My college tuition was all paid for by my parents, therefore, I did not have the need to obtain student loans. 
I requested a proper validation and removal of these accounts from my credit report. XXXX and XXXX XXXX found these accounts to be fraudulent, so two companies removed these accounts immediately from my credit report. But XXXX is continuing to post these accounts without proving their validation and verification of these accounts. 
I am very upset that XXXX  is ignoring my identity theft report that was filed to FTC and a police department. 

DEPT OF EDUCATION/NELN XXXX ( {$3500.00} ) DEPT OF EDUCATION/NELN XXXX ( {$4500.00} ) DEPT OF EDUCATION/NELN XXXX ( {$2000.00} ) DEPT OF EDUCATION/NELN XXXXXXXX ( {$5500.00} ) DEPT OF EDUCATION/NELN XXXX ( {$2000.00} ) DEPT OF EDUCATION/NELN XXXX ( {$5500.00} ) DEPT OF EDUCATION/NELN XXXX ( {$2000.00} ) DEPT OF EDUCATION/NELN XXXX ( {$2000.00} ) This is the list of student loan accounts that are being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: Capio Partners, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a debt validation letter to this company XX/XX/XXXX. They have failed to validate and it is now XX/XX/XXXX. In results they have removed but added it back under a different name but same address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-09
Company: ENCORE CAPITAL GROUP 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: Their investigation did not fix an error on your report

Complaint:
To Whom It May Concern : I have recently been informed that there is negative information reported by MIDLAND FUNDING LLC in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings of {$510.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... account was settled with original creditor ( 01 XXXX XXXX XXXX XXXX XXXX ) and has been confirmed.. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claim and reportingsI want this account removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Company response to consumer: Closed with explanation