BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-31
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Credit reporting 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:
Yes I'm making this statement due to the fact that I don't know how I ended up in check system and getting a negative consumer report under my name when XXXX XXXX  account is supposed to be that were opened in loans that were opened in my name were done fraudulently because during that time I was in jail so I was unable to do anything and I had documentation to prove that I was in jail during that time period so is there any possible way to fight this or take This negative consumer report about me off check system completely so I could be able to open up a bank account in my name because so far I can't even do that is there any way I can get help with that.

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 2022-05-29
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
on XX/XX/XXXX XXXX I made a purchase with XXXX XXXX apartments one for XXXX and another for XXXX. However, I was denied the apartment and was due to receive my security deposit back. XXXX apartments was giving me the run around about my refund, so I decided to dispute the payment. After a long haul they finally gave me a check for my money, so I called my bank and canceled the dispute, during the dispute my account was never credited the money. On XXXX XXXX my bank Suntrust now Truist sent me an email stating that the claim case numberXXXX was closed being that I wish to no longer dispute it. Again, I was never credited during this time, which made it a smooth case close. However, I receive a court document stating that XXXX apartments was suing me because the XXXX was taken from there account. Am confused because I was never credited the money and the case was close. When they lawyer sent me their bill of particulars it was an email sent from XXXX on XXXX XXXX stating that the money would be taken from there account because of the dispute. However, according to my bank letter the case was closed on XXXX XXXX. My bank has already confirmed XXXX times that I did not receive a credit. Now my problem is the judge wants to know where the XXXX taken from there account went. I think these people are lying but I need you guys to investigate this, or everybody including all banks will have to be subpoenaed to court.

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 2018-11-21
Company: WELLS FARGO & COMPANY
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : WELLS FARGO CARD SER Account Number : XXXX Date : XX/XX/2014 Amount : {$2200.00}

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 2023-04-27
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:
Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
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 explanation
Consumer complaint received 2018-05-22
Company: I.Q. DATA INTERNATIONAL, INC.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was called on XX/XX/XXXXin regards to a debt with a leasing company. When I initially got the letter I tried to call to set up a payment plan to get the debt payed off. No one ever returned my call. On XX/XX/XXXX I received a call from IQ DATA INTERNATIONAL. The rep stated that I had until XX/XX/XXXX to make the payment in whole or they would be forced to put the debt on my credit. I explained to her that I would not have {$1100.00} by XX/XX/XXXX and could I arrange To make payments to have it paid off by the end of XXXX. She told me no that they could not do that and that she would put a senior account associate on the call. The senior account associate asked me if I could write a check my phone for the full amount on XX/XX/XXXX and that they would cash it on XX/XX/XXXX. At that point I didnt feel comfortable so I asked if he would hold on while I called my husband. Once my husband got on the phone he stated that he could take the debt down to {$800.00} if we paid by the end of XXXX and my husband told him we wouldnt have it by then. He then proceeded to say that it would be considered failure to pay and it would go on our credit. I asked once again could we not make payments and he stated we couldnt and he hated what was about to happen to us. So at that point I got upset. I asked what do you mean what is about to happen to us. He said he was an at liberty to say. I asked was he gon na garnish our wages and he stated more than likely. I then asked him why would they just call and and want payment immediately like that. This is the first time they have tried to reach us. He then began to yell and he got very volatile with us and hung up in our faces.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: ALLY FINANCIAL INC.
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I had a car loan on a XXXX XXXX XXXX with Ally Financial Inc . 

This vehicle was purchased in late XXXX and was paid off one month ago on XX/XX/XXXX. 
The bank noted that it takes 10 days to release the Title to me, as well as provide a release of lien letter. 

I contacted the financial institution once again today to ask where my Title and Lien Release are. 

They did not have a good answer and also asked that I wait up to an additional 30 days for a second lien release letter to be mailed to me. 
The bank noted that they had to mail the first set of letters to the Clerk of Courts in the County in which the purchase was made. 

I have been in contact with the Clerk of Courts in XXXX XXXX Ohio , they stated they did not receive any title or release from Ally for my account. 
They checked electronically as well and did not have anything there either. 

Currently I am now waiting even longer to get this lien release from Ally Financial Inc, but I am not sure what they mail will even make it to me. 

I have major concerns that the team at Ally does not care that I can not drive my vehicle without plates, and they noted that I will need to take this lien release in person to the County Clerk. 

The note here is that I now live 10 plus hours by car from the county clerk office in XXXX XXXX Ohio. 

I have once again contacted the county clerk in ohio and was told that I can do this all by mail, which would be Mailing a form to them {$15.00} check Prepaid mailing envolope back to myself ( the mailing fee for overnight service and filing costs total about {$40.00} for protected and tracked mail in total ) I have not been able to drive my car for over a month as I will not illegally drive my vehicle because Ally is not able to provide the proper paper work nor define this process. 

I have spent well over 16 hours on calls with them attempting to get this resolved and at this point I am losing hope that I will see resolution. 

I may have to ask for a court ordered title at this point

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 2019-02-14
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I had an account with XXXX XXXX ( part of Coinbase ) and had {$10000.00} in my XXXX XXXX account when, on XX/XX/18 they notified me via email that they were closing my account. They stated that I need to withdraw my funds from my account, but I was unable to login to my XXXX XXXX account to do so. 

This case did not involve digital currency at all, simply a USD wire I sent from my verified XXXX XXXX XXXX account that has not been returned. 

I called Coinbase 's customer support line and described how I was unable to withdraw my funds from XXXX XXXX, and asked to speak with a representative with XXXX XXXX. They stated that XXXX XXXX had no customer support phone number, but that they would assign a specialist to my case and due to the nature of my issue, they were going to " escalate '' my case for quicker response. They told me I should expect an email from XXXX XXXX " within 5-7 business days '' to work with me to resolve the case. I then received an automated email right after the phone call stating that they have opened the ticket for my case. 

After about 2-3 weeks, I had no calls or emails to follow up on the case, so I called again and emailed again and they said again that it was escalated and awaiting response by specialist and sent another automated email each time. For the next 6 or so weeks I repeated this and still got the same response and no resolution. 

It has now been 57 days since my account closure with no contact with a representative to send my funds back to my account. I think this is an unacceptable treatment of a customer. I have attached my email correspondence with Coinbase Support since my XX/XX/18 account closure notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Experian Information Solutions Inc.
State: IN
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:
I can't handle this anymore! The documents are right there, attached! I'm practically shouting at the bureau to begin an investigation on these accounts. I've NEVER missed a payment, but they insist on reporting me as late. It's maddening!

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 2023-06-19
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Balance : {$28000.00} XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$5900.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX Balance XXXX {$630.00} XXXX XXXX Balance : {$1500.00XXXX XXXX XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$260.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXXXXXX XXXX XXXXXXXX Balance : {$28000.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$5900.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX  XXXX XXXX Balance : {$630.00} XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX Balance : {$5900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: Financial Credit Service, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a call XX/XX/19, at XXXX XXXX  to my do not call or text cell phone ( XXXX ) XXXX from a caller ID hidden number. The caller represented herself as member of the XXXX County District Court. She requested that I have a relative call her immediately regarding a fraud case and told me that my son XXXX XXXX XXXX as well as me, XXXX XXXX XXXX may be called to the court in the fraud case. She told me to have the relative call XXXX ext XXXX and gave me the name XXXX XXXX. I called the number given and connected to a voicemail. I told them I would be reporting XXXX because of the misrepresentation and they have no right to contact me regarding a debt collection that is not mine. I directed them not to call me again. Almost immediately, XXXX called me again, twice, which I did not answer. I was left a voicemail to call them and talk. XXXX reported the true phone number as XXXX. I have kept the 27 second voicemail from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: PNC Bank N.A.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was purchased by PNC Bank, and since purchasing I have had nothing but issues. The first payment was missapplied, I had to call 5 times to get this resolved. I had more issues with funds being missapplied. I have paid using the same bank account and information since XXXX but for some reason the XXXX  payment was lost. They are charging me a late fee, but the funds were deducted from my bank on the XXXX, the payment was made on the XXXX. I received a phone call today, the XXXX letting me know the funds were never received. I asked to file a formal complaint, since we have had so many issues. Issue is still not resolved. I have sat on hold for hours trying to resolve. PNC is XXXX of the worst service providers I have had for my mortgage. I never had an issue with XXXX mortgage, but since they sold my loan it has been nothing but issues. It feels like they are continuously trying to make my mortgage default. I have never missed a payment and have a XXXX XXXX XXXX XXXX. Worst mortgage servicer ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
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: Information belongs to someone else

Complaint:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
1. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXXXXXX XXXX Account Number XXXX XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXXXXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Delete this 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 explanation
Consumer complaint received 2019-02-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of identity theft and it seems that this will be a never ending miserable issue for me. The credit cards with XXXX XXXX XXXX were opened fraudulently not by me. I disputed these accounts with the original creditor and all thee bureaus and the accounts were deleted from my credit file. I submitted a police report for these fraudulent accounts as well. Now, these accounts are in collections and reporting on my credit files again with a different creditor, XXXX XXXX XXXX. This is not only frustrating but it is also causing a negative impact to my credit file for an account I never had!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-27
Company: Experian Information Solutions 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 was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance {$0.00} ; XXXX CARD XXXX Balance {$5500.00} ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX on XX/XX/2022.

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 2022-12-03
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: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX, to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after I sent the last letter last XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX : {$790.00} ; XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX Balance XXXX {$6700.00} ; XXXX XXXX XXXX Balance : {$28000.00} ; XXXX XXXX XXXXXXXX Balance : {$680.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$450.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$900.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX  XX/XX/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 2019-08-02
Company: EQUIFAX, INC.
State: UT
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:
The following companies pull my credit report and assess if my financial profile without my authorization. I did not apply for credit so there is no valid reason for them to open and check my credit standing..Have this inquiry removed from my credit report asap XXXX - XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: I.C. System, 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:
i never had any interactions with either company. my information was in a data leak, i tried to get a lawyer but it cost too much, i called the company 's multiple times only to speak to a machine

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