BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-01
Company: PNC Bank N.A.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
XX/XX/2020, I attempted to fund my XXXX  wallet using my financial institution 's online banking credentials ( PNC ) only to receive a message stating that, " PNC has made a change that prevents you from being able to link your accounts. '' I contacted PNC customer service and spoke with a customer service representative that " looked into '' my account to see what could be causing the error. At this moment, XXXX EST, I still am unable to fund my XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
LVNV FUNDING LLC. RECENTLY RECEIVED A PROFF OF VALIDATION LETTER FROM ME ON XX/XX/2022. IN THE LETTER I ASKED TO RECEIVE AN ORIGNAL SIGNED CONTRACT BETWEEN MYSELF AND LVNV FUNDING LLC. ON XX/XX/2022 I RECEIVED A LETTER FROM XXXX XXXX XXXX SAYING THAT THEY WERE NOW THE COLLECTORS OF ALLEDGED DEBT AND TO WRITE THEM IN RESPONSE TO DISPUT THE DEBT. I CERTIFIED MAILED THEM THE FOLLOWING DAY DISPUTING ALLEDGED DEBT. ON XXXX XXXX I REVIECED ANOTHER LETTER FROM A NEW DEBT COLLECTOR, RESURGENT CAPITAL SERVIECS, SAYING THEY WERE IN FACT THE NEW COLLECTORS TRYING TO COLLECT ALLEDGED DEBT AND THAT I HAVE THE OPTION TO PAY THEM OR DISPUTE THE DEBT. THEIR PROOF OF VALIDATION WAS NOT THE PROOF THAT I ASKED TO RECIEVE IN MY ORGINAL LETTER TO LVNV FUNDING LLC,. THEY SENT ME AN ALLEDGE BILL INSTEAD OF FACTUAL EVIDENCE. EACH COLLECTOR THAT I HAVE RESPONDED TO HAVE STOP COLLECTION ON DEBT AND IS ACTIVELY RESELLING THIS ALLEDGE DEBT. I WANT THEM TO CEASE AND DESIST. AT THIS POINT IT IS HARRASMENT AND I WANT THIS COLLECTION TO BE REMOVED FROM MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-11
Company: U.S. BANCORP
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I've had an account with US Bank Reliacard, properly activated the debit card and used for many months. My transaction activity has not changed. On XX/XX/20 I transfered {$1600.00} on line to my XXXX XXXX account which was accepted/confirmed by US Bank Reliacard. The money was removed from my account and never deposited to transferred destination now going on 11 days. On XX/XX/20 I called and told to wait a few more days. On XX/XX/20 I was told the account was deactivated days after the transfer for reasons being the bank experiencing a multitude of fraudulent activity on many accounts. I asked if my account was compromised and told no. But, that my account was deactivated until ID verified. There was no documented or activity reason to deactivate my account and take my money. US Bank never sent email alerts, publications or mail notice of this issue. The bank simply removed my money from my account and deactivated my account after accepting my transfer transaction. The banks representatives could not confirm where my money is currently and why it was not returned to my account and/or transfer completed. I was given a fax number to send my drivers license to confirm my identity which the bank will take an additional week to process then return my money to my account after that process. I verified and confirmed with US Bank Reliacard my most recent transactions, address and phone number as ID verification. I informed them of the hardship they are causing me by deactivating my account, taking my money and not notifying me. I have to feed my family and pay bills, it is a struggle during the Covid-19 pandemic and they are making this a more difficult situation. The 2 fax numbers I was given to send my drivers license fail, disconnect or constantly busy, I can't get through. There is no US Bank in the state of PA to travel to and resolve. The representatives do not connect me to a supervisor/manager. My calls with the representatives are constantly disconnected after a call wait time of 1 hour. There is no ground reason to deactivate my account and take my money from it also with-out alert. I called the bank multiple times XX/XX/20 @ XXXX and XX/XX/20 @ XXXX, XXXX, XXXX and twice more. Please assist me with this matter. I most appriciate it. Thank you

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 2020-10-19
Company: Experian Information Solutions Inc.
State: MA
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:
Hi XXXX / how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of 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 2023-05-15
Company: Sequium Asset Solutions, LLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX I was alerted to a collection appearing on my XXXX and XXXX credit scores. They were brought by Sequium Asset Solutions regarding an unpaid XXXX XXXX bill of {$2600.00}. I have never had an XXXX XXXX account. They also supplied XXXX with an inaccurate address, XXXX XXXX XXXX, XXXX, OH. This has never been a residence of mine, and I have never lived in Ohio.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: EQUIFAX, INC.
State: FL
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: EQUIFAX, INC.
State: MA
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:
Hi XXXX / how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Experian Information Solutions Inc.
State: FL
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX/XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXXXXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX EXPERIAN XXXXXXXX XXXX XX/XX/XXXX EXPERIAN XXXXXXXX XXXX XXXXXX/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 2023-01-12
Company: Experian Information Solutions Inc.
State: WI
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:
As I'm going back on my credit report I noticed usual use of my credit report. Someone has used my credit for information that does not tan towards me. Some of the information with accounts reporting on my has be used that was not authorized by me. 


These accounts have been included on my FTC Fraud Affidavit XX/XX/XXXXXXXX presented by my local police department XX/XX/XXXXXXXXXX/XX/XXXX DEPT OF XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX

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 2021-11-27
Company: Southwest Credit Systems, L.P.
State: PA
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:
On XX/XX/2021 I sent Certified mail to Southwest Credit collection, XXXX, XXXX, and XXXX about the 2 FEDERALLY PROTECTED CONSUMER RIGHTS VIOLATIONS OF 15 USC 1692b ( 2 ) and 15 USC 1692 ( 5 ). I am demanding DELETION of this account from my consumer report from all 3 of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: DISCOVER BANK
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 checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXX  Discover Financial, and XXXX XXXX. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is Discover Financial Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00}. The Account Opened is XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX XXXX XXXX is an account that fails to meet the industry standard for accurate reporting and this is an account I don't recognize. First, there is no reporting whatsoever coming from XXXX as this is a falsely reported account and was already taken deleted by them. Second, I see no evidence of a XXXX XXXX XXXX XXXX on my record so from my understanding from speaking with Experiand and Transunion representatives this could be a Mixed or Merged file. Third, the payment status for TransUnion remarks current and the payment status for XXXX remarks Wage Earner Plan? Fourth, the date last active states XX/XX/XXXX for XXXX and XX/XX/XXXX. Fifth, there is inconsistent reporting for Date of Last payment with it being blank on XXXX and then reporting XX/XX/XXXX for TransUnion. The two-year payment history is absolutely inconsistent as well. Ultimately, I have sent numerous correspondence on this item with no followup. Please see enclosed screenshots below.

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 2021-04-06
Company: Chime Financial Inc
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Chime Bank which is insured by XXXX XXXX XXXX suspended my account without providing any reason. My entire account balance is now inaccessible. When trying to communicate with Chime 's customer support through their phone line, they refuse to provide any information about the issue or how it can be solved. When trying to communicate through email, they are non-responsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
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:
This is my FURTHER endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SUN XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX Owed : {$110.00} XXXX XXXX XXXX XXXX Balance Owed : {$150.00} XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021

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 2017-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GU
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I called customer to discuss only changing my bill payment cycle date and doing a one-time online payment. Capital One took the liberty of putting both my accounts with them on auto-pay, so that they can deduct the monthly payments from my checking account each month themselves. I did not discuss or authorize both my accounts with Capital One to be put on auto-pay. This process cause my checking account to be over drawn by {$270.00} which included over draft fees charge by my bank XXXX XXXX Bank XXXX. My telephone call with Capital One was only a discussion of changing my billing cycle date, asking how to lower my interest rate with them and making a online payment. There was never a communications of giving them permission to access my checking account at anytime in the conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: CrossCountry Mortgage LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I applied for two loans with CrossCountry Mortgage.

Before the loans closed, I informed CrossCountry Mortgage in writing that the only correct address for all servicing communications with me was a specific post office box. 

After the loans closed, CrossCountry Mortgage sent mail addressed to me, to one of the two rental homes instead of the correct mailing address at the post office box. I again informed CrossCountry Mortgage in writing that the only correct address for all servicing communications with me was a specific post office box. 

After the loans closed, I received two payments coupons for the first month 's payment on the two loans, due XX/XX/2020. Both were mis-addressed and sent to the wrong address and only received by me because an anonymous postal employee took the time and effort to get the mis-addressed mail to me. 

I paid the first month 's payment and again informed CrossCountry Mortgage in writing of the only correct mailing address for me.

However, I did receive a telephone message purportedly from CrossCountry Mortgage telling me the servicing of my loan had been transferred and I should contact the new servicer. I have never received anything in the mail confirming the purported transfer of servicing, or from the purported new servicer. 

On XX/XX/2020, I received from ( apparently ) CrossCountry Mortgage, correctly addressed, an item of unsolicited junk mail inviting me to buy " mortgage protection coverage '' so contrary to the telephone message stating that CrossCountry was no longer servicing the loan, it appeared that CrossCountry Mortgage was still servicing the loan. 

I have since paid the XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payments to CrossCountry Mortgage, even though I have never received monthly statements or payment coupons from CrossCountry Mortgage. With each monthly payment, I have again informed CrossCountry Mortgage in writing of my only correct mailing address. 

On XX/XX/2020 I sent CrossCountry Mortgae a qualified written request regarding the issues ( above ). The qualified written request was mailed by certified mail and according to the post office, delivered to CrossCountry Mortgage on XX/XX/2020. 

" ( c ) Acknowledgment of receipt. Within five days ( excluding legal public holidays, Saturdays, and Sundays ) of a servicer receiving an information request from a borrower, the servicer shall provide to the borrower a written response acknowledging receipt of the information request. '' It has been three weeks since my qualified written request was delivered to CrossCountry Mortgage. I have yet to receive any response from CrossCountry Mortgage. It appears that CrossCountry Mortgage is ignoring all of my written communications.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I've contacted Capital One numerous times asking to reduce my interest rate. Even though I pay timely, pay more than the minimum, they said it was offered to me at that time. In XXXX XXXX, I had XXXX in transactions and XXXX interest XXXX XXXX XXXX in transactions and XXXX interest XXXX. XXXX XXXX in transactions ; and XXXX interest XXXX XXXX XXXX in transactions and XXXX interest XX/XX/XXXX XXXX in transactions and XXXX interest XXXX XXXX no transactions, XXXX interest XXXX XXXX no transactions XXXX interest XX/XX/XXXX no transactions, no balance, XXXX interest

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: Nelnet, 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:
Thank you for taking the time to review the complaint regarding the credit report. Nelnet continues to furnish a series of late-payments. Accounts with beginning with one through five with a series of inaccurate reporting.

Company response to consumer: Closed with explanation