BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-19
Company: BROKER SOLUTIONS, INC.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a loan over the phone with New American funding on XX/XX/2017. I received from the VP officer XXXX XXXX pre-approved loan letter on XX/XX/XXXX. After delivered all requested docs, on XX/XX/XXXX, I received a written full loan approval letter which also stated go ahead to " remove all contingencies '' for my home purchase contract. Upon receipt, I performed my due diligence and obligations pursuant to the purchase contract and removed loan contingency. I would not have done so without the written full loan approval from New American Funding. I had sent all paper work, locked rates, paid for appraisals and inspections and had XXXX on earnest deposit held at Chicago Title. Unfortunately days from escrow, I was told that the VP entitled of my loan quit the company without notifying me and my agent. The loan passed to different loan officers who promised new closing dates. The new loan officer XXXX XXXX asked for more time as they need to unlock the files under the license of previous XXXX XXXX XXXX. It took me and my agent many phone calls and lot of stress to get escrow dates. I experienced many unethical behavior from their employee. XXXX XXXX assistant sent emails to my accountant without my previous authorization asking him to provide false information. My agent tried to talk to a branch manager XXXX XXXX XXXX who introduced to another employee XXXX XXXX XXXX who on XX/XX/XXXX told us they could not fund the loan. As my duty I canceled the purchase agreement as the seller could no longer wait. They put an offer on her new home in Arizona and the sellers of the Seller escrow was also pending on my escrow. While New American Funding VP XXXX XXXX recognized their employee 's mistakes and asked for all receipts of my expenses due to the delinquent behavior of a VP loan officer, I have only received 6 % of damages. It is unfortunate that a lender company like this one can cause harm people, and it is still in business. I am looking for reimbursement of earnest deposit in the amount of {$30000.00} lost due to the delivery of a Full Approval Letter by New American Funding in the purchase of a residential property contract in California in the amount of XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: PNC Bank N.A.
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Yes, This is a PNC XXXXXXXX XXXX XXXX. Offered by the bank. It is a XXXX debit card. Or cash card, that accepts direct deposits. You can pay with this card anywhere there is a XXXX logo. So on the XXXX of XXXX 2023. XXXX. I was going to purchase something. They summited a pending transaction for {$68.00}. But later on I used a different form of payment. So after 72hrs. Still showing pending on my card. The sale was never finalized. I called PNC bank they informed me that after 72hrs the funds will be put back on my debit card available balance this is there policy. But when I contacted the smart access card by PNC. They don't have no terms or conditions on time frame on how long a merchant has to finalized a transaction. Which is defined under New mexico as unfair Buesiness Practices. I spoke to XXXX at XXXX and said PNC bank said 72 hrs she told me 10 days or 250 hrs. I said this is not disclosed in the terms of conditions so there for you must follow the policy of PNC since the card says that. She told me that the sale is pending. I said now it's been six days. How come purchases from. The same place before and after this time frame gets posted immediately or within 12 hrs. Do you find this a little weird after 6 days. She remained silent. I said this is very unacceptable I am supposed to believe whatever you say. Because you fail to disclose this information. You must follow the PNC rules, XXXX, and the federal government time lines on pending transfers. I want my money now. I have to buy medication which for me is life saving as well as pay my car loan or it will get report. You guys are causing my suffering due to your neglect and I am going to hold you liable. When something happens to me. You are committing major rule violations. She said sorry. After 10 days if XXXX has not filed a finalized the sale then we can escalated it. I said ya and wait another 5 to 7 business days. I said there is a reason the sale is not completed and you are minuplating this situation. You know it's wrong. And I am going after you with ever legal tool I have. Even though the money is still in my account they refuse after 7 days to give it to me. Which gas started to cause me harm by my car getting report and by not allowing me access to my funds for medication. I am holding you liable

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/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 2023-03-09
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:
Collection Agency XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX Account Number XXXX 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.

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 2023-02-28
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
WHERE DID YOU GET THIS NAME FROM? IT WASN'T SUBMITTED BY ANY CREDITOR THAT I DEALT WITH RECENTLY, AND IT WASN'T THERE BEFORE! THAT IS NOT MY NAME!! THIS SUDDENLY APPEARED ON MY CREDIT REPORT THIS MONTH AND YOU'RE THE ONLY BUREAU SHOWING THIS????? REALLY????? AND DON'T YOU DARE SEND ME ANY LETTERS DEMANDING THAT I ID MYSELF! I'VE DONE IT HERE! YOU ADDED THAT NAME TO MY CREDIT NOW REMOVE IT!

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 2023-10-18
Company: Experian Information Solutions 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:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete these fraudulent accounts ASAP.

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 2023-03-03
Company: WELLS FARGO & COMPANY
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX 2023 XXXX was garnished from my Wells Fargo checking account by order of the XXXX XXXX XXXX in Nebraska. I am a XXXX XXXX XXXX veteran of the XXXX XXXX. The funds in this account were entirely made up of a housing allowance issued by the VA, Pell Grants, and student loans exempt from garnishment. I scheduled a hearing on XX/XX/2023 at XXXX with the XXXX XXXX XXXX XXXX which they agreed and created a Journal Entry and Order stating that the funds are exempt. The XXXX XXXX XXXX faxed Wells Fargo directly this order. Today on XX/XX/ 2023 I was told that the court order was not enough for them to release these funds that shouldn't have been held in the first place. I'd like to file a formal complaint that Wells Fargo is violating Federal Law under the CCPA and a court order that the funds are exempt leaving a veteran student with no means to pay his rent.

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 2021-02-09
Company: EQUIFAX, INC.
State: TX
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 submitted 3 disputes online through Equifax regarding and unauthorized hard inquiry on my credit from the department store XXXX XXXX. I have a letter from the actual store saying they made a mistake and they will remove this from my credit and yet Equifax does not reach out via email or phone to follow-up and ask for supporting documents and they close my dispute saying everything looks correct. I have been calling Equifax to dispute this over the phone and every time I do, they always say there system is down to call back in 30 mins to an hour! I tried sending a fax with this prove that this hard inquiry should be removed from my credit report and they do not do anything about it! I tried reaching to XXXX XXXX and they say it could take up to 30 days but it never gets removed and this was a hard inquiry made in XX/XX/XXXX! XXXX XXXX letter is dated XX/XX/XXXX and we are now in XX/XX/XXXX and this is still showing on Equifax credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: Resurgent Capital Services L.P.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
To whom this may Concern : I am writing this today to file a formal complaint against this company LVNV Funding INC and XXXX XXXX XXXX. This company has been sending information all over the country about a debt it has purchased that was the result of Id Theft that i was a victim of when i lived at a previous address. My ex boyfriend XXXX XXXX opened account 's in my name because i was suffering from health issues at the time and he was my primary care giver. He was even found guilty for Extortion because he was trying to defraud a man he was involved with of money because he gave the man XXXX. 

This company has hired another company to harrass me and threatened to sue me in court because i owe this bill and they know i owe the bill and that i was gon na pay. I called XXXX XXXX and told them about they sent information to my mothers house that lives like almost a hour away and she opened the letter and feared for my life because of the threats. This has been very devastating to my XXXX and my well being being accused of a crime and i didnt commit one. 

They are using third parties in the state of Mississippi to threaten me and send letters to different address that belong to my family members. This is breaking the law. The name of the company is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX this company threaten me and actually prosecuted me and i wasn't in court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-09
Company: Blockchain.com, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I'm afraid this is the 2nd time in 1 week this happens with BlockChain.

I had crypto in 2 accounts. Both in " reward '' wallets ( meaning : a wallet where you let the platform use your crypto ( which turned out to be a huge mistake from my end ) and in turn get some interest.

As I wanted to move from BlockChain to XXXX, the 1st step is move the crypto from those " Reward '' accounts back to ( non-custodial ) normal private accounts.

BlockChain is trying to prevent my leaving by keeping MY crypto HOSTAGE : for over a week now, they refused to migrate my crypto back from my reward wallet to my private wallet. We're taking over XXXX $ here so that is a large sum. The reason being obvious to me- either they have not enough fractional reserve or they are making up all kinds of excuses not do to so immediately to make some extra buck quickly. 
So I got questions like " where have you been the last 3 months '' - none of which is their business. I have no less than 3 security measures installed ( password, XXXX and face recognition ) so they have also no reason for insisting on such privacy breaching inquiries. 
They are excuses- and my insisting to finally give MY crypto back has lead to nothing but refusal from their end. 
I consider that theft. And demand compensation for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with The Fair Credit Reporting Act, the list of accounts below have violated my federally protected rights to privacy & confidentiality under 15 U.S.C. 1681. 
I requested that XXXX, XXXX, and Experian to investigate the following accounts : XXXX XXXX Card- Account # XXXX ( {$210.00} ), XXXX Account # XXXX ( {$3700.00} ), XXXX XXXX- Account # XXXX ( {$1000.00} ), XXXX - Account # XXXX ( {$4200.00} ), XXXX - Account XXXX XXXX ( {$3700.00} ), XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX ( {$1200.00} ), XXXX XXXXXXXX XXXX - Account # XXXX ( {$460.00} ), XXXX XXXXXXXX XXXX - Account # XXXX XXXX {$9600.00} ), XXXX XXXX - Account # XXXX ( {$7400.00} ). 
All three consumer reporting agencies stated that everything was complete and accurate, but I have evidence from Identity IQ that almost every open date, date of last activity, balances and so much more are completely inaccurate. I have provided documentation from Identity IQ Credit Reporting- revealing all incorrect reports. According to 15 U.S.C. 1681i ( 5 ) The Bureau 's ' are supposed to modify or delete accounts that are not reported correctly.

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 2023-02-28
Company: Experian Information Solutions Inc.
State: TX
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:
When I investigated my credit report, I realized that some of the information was erroneous.The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmedinformation without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX : {$320.00} XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX Balance : {$290.00}

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 2023-01-19
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Received notification on XX/XX/23 that my Synchrony savings account had been " Restricted ''. In speaking with customer service via phone on XX/XX/23, I was told that it was Restricted because I had added my wife 's XXXX XXXX  checking account - which is solely in her name - to my Synchrony savings account and initiated a {$600.00} transfer to her. I explained that the Synchrony system allowed the account to be added and did not warn against using an account with a name other than my own. Regardless, I have to wait 3-5 days for the money to be transferred back to the Synchrony account before I can remove my wife 's XXXX XXXX account. But even then, I'm told my account may be frozen for 30-60 days while it is " reviewed, '' which is unacceptable. The money in this account was from a recent house sale, which is needed to purchase a new house.

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 2023-04-24
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: Account status incorrect

Complaint:
Hello, this debt was forgiven by Federal student aid, but XXXX will not remove from my credit report even after notifying them, See attached letter, this debt was legally discharged

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of identity theft There are Inquiries reflecting on my credit report that I did not authorize. 

XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX In accordance with the Fair Credit Reporting act Convergent Account 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 consent or instructions.

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 2023-04-24
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: Account status incorrect

Complaint:
Hello, this debt was forgiven by Federal student aid, but XXXX will not remove from my credit report even after notifying them, See attached letter, this debt was legally discharged

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Under 15 U.S.C. 1681i ( 7 ) Method of verification As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description.

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