BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-07
Company: Rocket Mortgage, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX of 2020, I applied for a refinance loan through Quicken Loans. I was told by the loan officer that I was approved. Quicken Loans sent a Home Appraiser to my home to inspect and appraised. Quicken charged me {$500.00} ( which I eventually got back ). I filled out voluminous amounts of paper work which took my wife and I hours and then faxed over documents at night because " speed was of the utmost importance ''. I was on the phone with the gentleman 2-3 times a day and then ... ..nothing. Not even an email. I called and sent emails for days. Finally, a loan officer said that there was a mistake and I could not be approved at this time, but I could apply again in a few months. I asked to speak with the initial loan officer and they would not let me, They told me that it was a mistake on his part and would be taken care of " internally ''. I will NEVER contact this company again. I reported them to the XXXX  as well as the Michigan XXXX. I have no idea how they win XXXX XXXX awards. I no longer trust that company as well. In addition, I was repeatedly lied to by representatives of their company. When I brought this to their attention, they did not do ANYTHING, not even trying to make things right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: NV
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:
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 convictions 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-30
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 
I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

1 ) Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
I am filing a civil suit in my county for damages and you can travel to defend yourself.

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 2023-10-05
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
My account should not show any late payments because I have always paid on time. It is unacceptable to see late payments on my account, and I urge you to correct this error immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My Capital One card was due to expire on XX/XX/XXXX. I was away on vacation in XXXX XXXX FL for my Anniversary in XX/XX/XXXX was using my card up until it expired in XXXX. I waited about 3 wks & I contacted them after I had made a XXXX payment on a XXXX credit limit, statement online said I had available balance but when I made a charge it was declined, when I called the company the 3rd week of XX/XX/XXXX they said they had sent another card to me & verified my mailing address & they closed the card I should have received, then they said it would take 7 to 10 days for me to get the new card. I waited 9 business days still no card came. There is a authorized user on my account who has a card of their own which also has expired & not replaced. I called again spoke with a rep that was able to research further & find out that the company placed a block on my account to not allow a new card to be mailed even though its expired, due to another account that was charged off over 8 yrs ago which is over the statue of limitations. My current capital 1 credit card is not past due is in good standing not late, nor closed by me or the creditor, in fact I have paid the entire balance of XXXX. I am being charged interest on a account I am not allowed to make purchases with & now has been paid in full but only interest is due, my authorized user has no legal obligation to the charged off account 8 yrs ago why are they penalizing them & not sending them a new card. Why is this company charging me fees for a card they will not allow me to make any purchases on & the balance was paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-07
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
please refer to attachments provided. 

I need proof that my very OLD equity loan from 2007 with National City Bank is satisfied/closed as I am selling our house and it is critical for us to have proof of this as their is a lien on my house. We can not leave this unresolved. There is no record of reconveyance or discharge in the public records. 

PNC Mortgage/PNC Bank phone # XXXX has on record that closed account # XXXX acquired National City Mortgage/National City Bank. In contacting PNC, they said my loan was transferred to XXXX. After contacting XXXX  ( XXXX research dept XXXX confirmation # XXXX ) THEY do NOT have my loan information nor do they have any information of a merger or loan transfer with PNC Mortage/PNC Bank or National City Mortgage/National City Bank. PNC Mortgage/PNC Bank provided me with incorrect information and wasted my time. I believe the loan was satisfied before PNC acquired National City Mortgage and I just need a letter from PNC that this loan is closed and satisfied. They said that since National City is dissolved there's no way to acquire this. I have spoken to multiple representatives XXXX none of which has been able to help me obtain the information I need. They keep escalating it to their research department who conveniently can NOT be reached or contacted directly EVER. There's never anyone I can speak to to get what is I need. Since they acquired National City Bank, they are responsible for getting me this information and they have been uncooperative. No one I speak to can give me a direct answer and it to be sent to someone else. That someone else can't ever be reached directly and their research people only have the ability to direct me to a bank that does not have my loan information that PNC claims was transferred to them. I have been spoken to numerous people with no avail and have completely wasted my time in this effort.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: AmeriCollect
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX I was involved in a motor vehicle accident, and transported to XXXX XXXX XXXX XXXX XX/XX/XXXX I received a letter from Americollect regarding an account that was turned over to their offices to collect the debt. 
Between XX/XX/XXXX and XX/XX/XXXX I have reached out to Americollect and XXXX on multiple occasions. I have also filed a dispute with the credit bureaus. XXXX states the account was never turned over to collections as the account was paid per financial assistance and has a XXXX balance. Americollect states it was turned over and is valid debt. 
XX/XX/XXXX recd multiple emails from XXXX billing stating account was paid, has XXXX balance and to reach out to collection agency. 
XX/XX/XXXX XXXX, with Americollect, states XXXX needs to pull the account. Advised me to forward my communications with XXXX to her office, then states I will need to allow up to 14 days for someone to review the information. 

This is absurd!! 14 days to review the account- its been XXXX years. As the consumer I shouldnt have to spend hours upon hours of my time trying to get this resolved. The balance owed is {$7400.00} and neither XXXX nor Americollect seem to be escalating this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2022 I was checking my email and discovered several emails from XXXX XXXX that indicated someone applied for and successfully opened a bank account with Bank of America online. After the account was opened, there was another email where an email address I did not recognize was added to the account in order to send and receive money. I immediately called the fraud department at Bank of America to see if an account had been opened in my name and to report it as fraudulent. I spoke with a representative who informed me numerous times we were speaking on a recorded line, so there is a record of her statements. The representative confirmed that there had been an account opened in my maiden name using my social security number. In order to close the account and report it, she required me to provide her will all of my personal information. I was hesitant and she said my only other option would be to drive over an hour to a local branch and provide my information in person. I did decide at that point to provide her with my information so I could get the account shut down immediately. I asked her how someone else was able to open an account using my social security number since my credit has been frozen for years and they used a name that I have not personally used in over 10 years. The representative stated that they do not verify information unless you are applying for a credit account. If this is true, they would be in violation of federal law. After taking my information, the representative stated that she could not provide me with any other information regarding the account over the phone but that I would be receiving a report with the information so that I could file a police report for identity theft. I did receive an email on XX/XX/XXXX saying that the unknown email address had been removed from my account and the account has been closed. In the three weeks since, I have not received any more information regarding the account despite being told I would. I believe this is due to the fact that they violated federal law by allowing the account to be created in the first place.

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 2023-08-31
Company: Experian Information Solutions 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:
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. 

Has violated my rights. Or list of inquiries 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 convictions 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-06-14
Company: BALANCED HEALTHCARE RECEIVABLES, LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
According to my online doctors portal, I have paid everything that I owed. Now I have bills from the same company saying I still owe {$290.00} as well as them submitting a complaint to collections. Collections says I owe {$170.00}. The portal shows I owe nothing to the company. With the collections letter, it includes an account number that I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX, and XXXX XXXX has appeared on my credit report as a negative collection. 

I have no knowledge of this collection accounts.

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

15 U.S. Code 1681b- Permissible purposes of consumer report. ( A ) ( 2 )

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 2023-10-05
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15
Company: CAINE & WEINER COMPANY, INC.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX I requested debt validation from Caine & Weiner debt collector refused to validate this debt on my credit profile when I asked the debt collector for the contract where I signed for the debt they stated they did not have those documents I have also disputed the debt with the credit bureaus but the account remains 15 U.S Code S 1692 g states that a debt must be validated 30 days as this time has passed and my rights are being violated as a citizen

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2023 my coinbase account was hacked. There were a number of abnormal changes to my account that occurred, including but not limited to : a new out of country ( XXXX based phone ) phone was added to my account, a new authenticator app, and a new password. During this time, the cash I had in my account was converted to crypto and sent out. When I realized what had occurred I reached out to coinbase. It took me, over 24 hours and photo authentication to get into my own account. Following this, I have not been contacted by anyone to discuss the specifics of my case. Over {$85000.00} was taken from account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am disputing these fraudulent items based on the fact that they are the result of identity theft or fraud, and therefore, should not be attributed to me. I am providing the following supporting evidence : I have attached any additional evidence I have gathered to support my claim of fraud. 
I kindly request that you promptly investigate these fraudulent items in accordance with the Fair Credit Reporting Act and take the necessary actions to have them removed from my credit report. Please provide me with written confirmation of the results of the investigation and the removal of these items. 

Furthermore, I kindly request that you provide me with a free copy of my updated credit report once the investigation is complete. I appreciate your prompt attention to this matter, as it is essential to my financial well-being. Please do not hesitate to contact me if you require any further information or clarification. I am asking for your assistance to remove the fraud items in my credit file immediately : 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 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 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 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 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 2023-06-15
Company: CITIBANK, N.A.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I want to file a complaint with citi international Bank bc I don't no or how to get my account information or card information that I need.

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 2022-11-28
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I noticed charges on my account, I called Chime, they did a claim to dispute charges, and issued me a new card. They told me the claim was valid and asked me to provide information in the claim. I explained to them that I didnt have information on the claim, and I have never used my Chime Credit Card at the place they authorized. They asked me to do a rebuttal with new evidence. I dont have new or old evidence, how can I have evidence if I never made those charges? 

Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Credit - Unauthorized Transaction Date Error Reported : XXXX Claim Amount : {$360.00} Claim ID : XXXX Dispute Type : Credit - Unauthorized Transaction Date Error Reported : XXXX Claim Amount : {$630.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: EQUIFAX, INC.
State: LA
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:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following accounts and inquiries from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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.

has violated my rights. Or a list of inquiries : 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 convictions 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief