BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 obtained a copy of my credit report in XX/XX/2017. In my review of the report, I noticed that XXXX XXXX XXXX was reporting I allegedly owed them {$450.00} and that it was past due. I promptly submitted a dispute to the credit bureaus as well as XXXX XXXX ( see attached ). My concerns were ( 1 ) why did I not ever receive any notification from them ; particularly the dunning letter informing me that they were attempting to collect a debt. ( 2 ) If they are indeed a third party collection agency, how then do I have terms of 1 month with them? ( 3 ) I requested that they provide supporting documentation that reflected a summary of all account activities including all payments, late charges, interest, etc. ; copies of all documents sent to me regarding the account, copies of papers bearing my original signature that show I agreed to pay what they are alleging I owe and proof that the statute of limitations has not expired on this account. 

I received none of the above. In fact, the attached documentation sent by them to me dated XX/XX/2017, almost 60 days after my initial request ( which is a violation of my rights as they were supposed to respond within 30 days ) ; reflects that they do not have any information to validate the entries they are reporting on my credit report. Also, note that the company did not attempt to contact me to request additional time to investigate ; they chose to disregard my rights under the FCRA as well as mandates in accordance with FDCPA. 

Lastly, if this is indeed a medical debt that belongs to me, where is the documentation to support that I gave XXXX XXXX permission to share my medical records with this company? Further, this company is reporting 2 different opening dates among the bureaus, yet another discrepancy/inaccuracy within my credit report as well as reporting that I am past due on one bureau and not past due on another. 

XXXX is blatantly damaging my credit score as they are reporting as a data factoring company and this is wholly unacceptable and not true given that they stated they do not have any documentation to support this erroneous reporting. 

This entry should be deleted from both my XXXX and Transunion reports 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 explanation
Consumer complaint received 2018-01-29
Company: Shellpoint Partners, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX Received an Annual Escrow Disclosure Statement stating there was an escrow shortage amount of {$640.00}. The escrow shortage could be paid in full ( {$640.00} ) or paid over 12 months with an additional increase in the monthly payment of {$53.00}. We have chosen to pay over 12 months. When double checking the new amount due on line the payment increase was {$160.00} not the XXXX, a difference of {$100.00}. 
XX/XX/XXXX Spoke to XXXX XXXX at Shell Point. She or her manage were not able to explain the difference. XXXX XXXX of Shell Point initiated a complaint be filed on my behalf. She would not give me a time reference for a response from Shell Point. 
XX/XX/XXXX Next mortgage payment is due in 2 days and unsure of how much to pay, feel as I am being over charged and at their mercy. 

Shell Point mails out mortgage statement on the XXXX of the month for the month they are due. My mortgage is due on the XXXX of the month. Yes I understand their is a grace period, I pay my bill on the due date. 

I have an excellent credit score and have never in all my many many years have had to deal with a mortgage company that is so confusing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I noticed my credit card was not working so i called chase and they said the account has been closed but they could not tell me why. I tried calling a few times but got nowhere. I just received a letter saying they are closing both credit cards with them as well as my checking and savings account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
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:
Equifax is reporting in accurate information on my credit report Ive called to get the in correct information deleted the inquiries below are fraudulent. 

XXXX XXXX XXXX inquiry date XX/XX/2021 XXXX & XXXX inquiry date XX/XX/2021 & XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have attempted to life the freeze on my credit file with Experian for 5 days ( XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) and have been unsuccessful. 

I placed the freeze in XX/XX/XXXX and paid {$10.00} over the phone with my credit card, and was informed I would receive a PIN in the mail to manage the freeze. I never received the PIN. 

Between XX/XX/XXXX and XX/XX/XXXX I attempted to remove the credit freeze online and by phone using the automated system, but these Experian systems failed. 

On XX/XX/XXXX the financial consultant at XXXX XXXX attempted to remove the credit freeze, but received an online message from Experian that this was not possible. 

On XX/XX/XXXX I mailed overnight my request to remove the freeze along with identifying documents. This process takes 10-15 business days. 

On XX/XX/XXXX I called Experian customer service. There is no way to speak with a live person regarding credit freezes, so I called the membership service division. I waited on hold for approximately 45 minutes to speak with a representative who was kind enough to try to remove the freeze, but even he was unsuccessful. There is no other way to remove the freeze except to wait 10-15 business days for my mailed request to be processed or to try to call again tomorrow. 

Despite the car dealership doing their best to accommodate, they are unable to secure a loan for me at the 0.9 % interest rate special offer if the freeze is not lifted before 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 non-monetary relief
Consumer complaint received 2022-11-17
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: MI
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:
Not my account its been removed from XXXX and XXXX but XXXX will not remove this should be marked as 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 2017-11-16
Company: Resurgent Capital Services L.P.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In my case, Ive asked for proof of the debt, but Ive only received bills. The Fair Debt Collection Practice Act states ; The Fair Debt Collection Practices Act ( FDCPA ) gives you the right to ask for verification of the debt and proof that the collection agency has the right to collect the money. The law also states that by disputing the collection, the collection agency must stop trying to collect until it provides written verification of the debt. Ive made a attempts to verify and make payments on accurate accounts. But those attempts have been repeatedly denied. In the letter sent, it states that this isnt stating that the debt is owed, but advising that there is something showing on credit that needs attention. This is the 3rd attempt to ask for proof of debt with LVNV LLC. However, the company is showing listed under Resurgent? Im unclear or unsure who debt this account is listed under. This company has also made attempts to contact under multiple different numbers listing Arkansas area codes. But when researching both names the numbers are showing XXXX ( XXXX ) numbers. Im asking for proof of this debt with both companies. According to the FCRA, this is my something that I am allowed. I reviewed the statements that you submitted ; however, I am asking for proof of this contract for this account ; and proof of contract with your companies. Please also verify that you are licensed in the state of Arkansas to Collect from both agencies. IT IS HEREBY RESOLVED that the Arkansas State Board of Collection Agencies recognizes as exempt from collection agency licensure in Arkansas any entity purchases or receives an assignment of ownership of a debt that is in default at the time of assignment provided that the debt buyer : 1 ) does not attempt to collect debts directly either for itself or others ; 2 ) undertakes collection efforts solely through third-party collection agencies or law firms ; 3 ) maintains no place of business in Arkansas. This resolution is not a change in the law ; rather it is a clarification of existing law. Thank you for time as we try to get to the bottom of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX  / XXXX / Walmart / XXXX XX/XX/2017 Attempting to collect a Charge-off account NOT in my name. 
I requested them to verify the names on the account which is NOT my name. but they still have it on my credit report. 
the amount is {$1400.00} for the fake XXXX account. 
the amount is {$1800.00} for the fake Walmart 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 2019-06-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The three credit bureaus are reporting a medical claim from XXXX XXXX XXXX XXXX that is being falsely reported by a third party. Please see the attached communication form XXXX XXXX XXXX XXXXXXXX XXXX  Legal Clerk, XXXX XXXX addressing the fraudulent reporting of this matter by Equifax, XXXX and XXXX. 
I believe these three companies have targeted me as an XXXX XXXX in attempt to harm individuals such as myself by allowing such false information to be reported to cause financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The three credit bureaus are reporting a medical claim from XXXX XXXX XXXX XXXX that is being falsely reported by a third party. Please see the attached communication form XXXX XXXX XXXX XXXX 's Legal Clerk, XXXX XXXX addressing the fraudulent reporting of this matter by XXXX, XXXX and Trans-Union. 
I believe these three companies have targeted me as an XXXX XXXX in attempt to harm individuals such as myself by allowing such false information to be reported to cause financial harm.

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 2018-01-29
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I got a Blue Cash card specifically because there was no APR or interest to be charged for 1 year. Every single month, my statement shows that there was an interest charged on purchases. Every single month, I contacted XXXX and notified them about the problem. Each time, every single month, I was told by the representative that the charge has been fixed and will appear as a credit, and that I will NOT have this issue again. Sure enough, soon after, I see a credit adjustment for the amount of the interest on my statement. However, each month, despite being told the issue will not happen again, every statement shows interest charged. I end up having to repeat the same call, for the same credit, and am told each time it will not happen again next month. But then it does. I'm suspicious that this is being done because XXXX XXXX is wagering that I won't pick up on this each month. Imagine how many people don't have the energy to call every month and correct each charge ... for these individuals, is XXXX XXXX simply taking interest that is not theirs to take? Respectfully, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: EQUIFAX, INC.
State: IL
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:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items in 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress youve caused me. My information was also impacted by the equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: CITIBANK, N.A.
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: Information belongs to someone else

Complaint:
Someone tried opening accounts with this creditors. This accounts do not belong to me : XXXX CO Bank XXXX XXXX XXXX CO Bank XXXX XXXX CITIBANK 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 2018-01-29
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I was instructed to wire a deposit to Coinbase, so I followed their instructions. However, there was no space in my XXXX Wire Transfer form for Coinbase 's specific alphanumeric reference code, so 1 day later, I made an amendment request through XXXX to amend the " special instructions '' section to include it. At the time, Coinbase promised the deposit will be available in 3 days, or that it will be reversed back to the bank that had sent the funds within 5-10 business days. It has been over 30 calendar days now since I first submitted the wire, and I have still not received the funds into my Coinbase account or back into my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX I paid my auto loan in full {$10000.00} only only for the status to reflect charge off collection on my credit report. I have called multiple times and faxed over letters disputing the information only for it go no where and be denied. I had fell on hard times in XXXX that was the reason for the behind payments but XXXX I made a regular monthly payment in XXXX and then the full balance in XXXX. I spoke with XXXX from capital one last week only for her to tell me that the status is incorrect and she advised me to fax over another letter asking for the status to be updated which I have done again. I fell on hard times but I made. All.my wrongs right by paying what I owed and not doing a settlement. I am trying to get another vehicle and can not because of the status of this account. PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: PNC Bank N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
This is in relation to the complaint i made to the CFPB earlier. 

ID : XXXX The Response from the bank is not to my satisfaction. Let me explain the problem better.

I requested the bank manager to deposit a cashier 's check from a tenant into my account.

The check was issued in the tenant 's name, but the tenant had sign the back of the check.

This is a common way to do real estate transactions.

The bank manager refused to deposit the check and asked me to leave. This is refusal of banking services by the bank. As they have untrained personnel managing these branches.

It is the Bank 's responsibility to make sure only trained personnel are bank managers. 

I walked over to XXXX XXXX, where I also have an account and they accepted my check.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24
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:
Experian sent me an alert via my Experian XXXX App stating that I have an account in the state of XXXX with XXXX XXXX XXXX that has been open and active since XXXX ( I  would have been XXXX years old at the time and living in XXXX  or XXXX ). 

I contacted XXXX XXXX XXXX Fraud Department and they performed an inquiry, which came back as showing I have ZERO financial relationship with any form of dba, XXXX  XXXX XXXX. Which is exactly what I expected. 

Concurrently, Experian ran an " investigation '', which came back as being confirmed by XXXX  XXXX XXXX that the account belongs to me. If that were even possible, that would mean that I've had another active ( monthly payments ) account in a state in which I've never resided for the past 29 years! 

This is completely absurd. And there is no way to get a hold of a live representative at Experian since everything is automated. And the " system '' apparently inputs bad data and spits out errant results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-14
Company: PENTAGON FEDERAL CREDIT UNION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We closed on our refinance mortgage on XXXX XX/XX/2021 with the bank 's closing attorneys. The refinance is with the Pentagon Federal ( PenFed, loan # XXXX ). The total loan was for {$400000.00} ( {$370000.00} to pay off the loan on our home currently held by XXXX XXXX Bank ) and {$63000.00} in cash back to us. Our current mortgage company was to be paid off the and funds deposited into our local bank within 5 days of closing. I have contacted PenFed at least 8 times over the past few weeks, no one has an answer and all state that " someone '' will call back- NO one has ever called me back. I talked with the Closing Attorney. She said this is wrong. She has never heard of this happening and recommended that I call the Title Attorney - no response from them either ( XXXX and XXXX, XXXX, GA ). We have received 2 bills from PenFed for our 1st monthly payment on our loan. We have also, of course received bill from our current Mortgage company, XXXX XXXX ( because of course, they have never been paid ). HELP!!

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