BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2019-10-10
Company: BARCLAYS BANK DELAWARE
State: MD
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: Problem with personal statement of dispute

Complaint:
ON XX/XX/19. I Purchased A Dining Room Set, which came with 4 Chairs and Table, I also order 2 Extra Chairs. It was Curbside Delivery ; Once Assembly, 1 Chair was damage with black declaration on Chair. I Contacted XXXX XXXX XXXX and Raven 's Barclay Card, No one did anything but took My Money and never came with  Replacement of Damage Chair. Nor would they give Me A refund. Barclay saying its out of their hands, but release the Money on the Day I order, without waiting on Furniture to Arrive or see if Customer was happy with Furniture. That set cost Me Over {$3000.00} Dollars. I had Already Paid Ravens Barclay Card, {$2200.00} for the Furniture that wasn't damage. But not the 2 Chairs for {$540.00}. After they Refused to do anything about the problem, I told them to come get the hold Set and we even. 

The Second Dispute was with XXXX XXXX XXXX XXXX. The Car was Pre-paid in Advance By  XXXX XXXX, {$600.00}. I was the one who pick up Car because I arrive to XXXX XXXX first. I was told I needed A Credit Card in My Name to pick up Car, and they would put A hold on it. I stated not to Charge My Card and Mr. XXXX XXXX would pay balance when we return Vehicle. When we Return the Vehicle together They wouldn't take Mr. XXXX XXXX and told Me The Charges was on My Card. I told them I didn't Authorize the Charges and Mr. XXXX was Paying for Car.

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 2019-07-10
Company: LEXISNEXIS
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XX/XX/XXXX To whom it may concern, I am filing a complaint due to fraudulent addresses on my credit report that do not belong to me. I had my ID compromised and I am trying to deal with the aftermath of this situation. I will attach my true and proper ID and address to this complaint. Please be advised the following addresses need removed : XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX My current and only employer is XXXX XXXX XXXX XXXX XXXX My only address is XXXX XXXX XXXX XXXX XXXX, OH XXXX, please remove all others they are not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02
Company: EQUIFAX, INC.
State: AR
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:
On XXXX18, Equifax File number XXXX investigation was completed and informed me that the account has been verified belonging to me. The account in question is XXXX XXXX Credit Card. This information is inaccurate due to the fact XXXX XXXX no longer owns this account, and the account is currently owned by a collector by the name of XXXX XXXX. In addition, The account originated from XXXX XXXX, which has was previously removed from Equifax which makes it impossible for 100 % accurate verification to have been performed. Equifax has failed to provide reasonable determination and 100 % verification regarding this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
The company is called Portfolio Recovery and they have been calling me on multiple internet numbers after I block them. I have told them countless times to stop calling and they are not. They are harassing me and Im tired of it. They are calling me at XXXX and as late as XXXX or later and all hours of the day. This is not acceptable!!! 

They have called me at least 30-60 times within the last month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
These are the addresses listed that I do not live at, have never lived at, and does not belong to me. Look below to see address in question. 
( 1 ) XXXX XXXX CT XXXX, TX XXXX ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( 3 ) XXXX XXXX XXXX XXXX XXXX, TX XXXX ( 4 ) XXXX XXXX XXXX APT XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On my Bank of America EDD debit card, there where two fraudulent withdrawals on XX/XX/XXXX from an ATM for {$420.00} and XX/XX/XXXX for {$980.00} from and atm as well. On XX/XX/XXXX I made contact with b of a regarding the fraud, after getting a automatically generated letter disregarding my claim, I made contact on XXXX once again with Bank of America to re open my claim. The bank claimed they would send a letter regarding what is happening and reimburse me. It is now XX/XX/XXXX and no more correspondence currently.

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 2021-12-01
Company: National Credit Adjusters, LLC
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:
While looking over my credit report I have XXXX collection accounts as follows 1. XXXX account number # XXXX 2. National Credit  account number # XXXX 3. NCA Credit account number # XXXX I contacted the first one XXXX and they tell me they are only the bank and have nothing to do with reporting to the credit bureaus, even though they are listed on my credit report. They told me to call XXXX XXXX  because they are the ones who own all THREE of these SAME accounts, keep in mind this negative account is reporting 3 times on my credit report, it's all the same account, this is a clear violation. After calling XXXX XXXX they tell me they have no information on this account because it was sold to XXXX XXXX XXXX XXXX XXXX whom once again are not listed on my credit report. I called this company XXXX and they don't answer their phone and DO NOT return my calls/messages. I have written letters to all three credit bureaus as well disputing this account reported 3 times and they did not help either. my goal is to have these 3 eroniuos and violations removed at once, before filing a law suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a out dated account on my credit report and I have tried to get them to updated report like other 2 bureaus did both XXXX and XXXX both removed this items but XXXX continues to report this outdated information I need it removed 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 2019-10-10
Company: Shellpoint Partners, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In the last quarter XXXX was two months behind on my mortgage payment During XXXX XXXX and XXXX I made six XXXX XXXX bill pay payments to XXXX XXXX. 
to the total amount of over {$10000.00} each time I made a payment the automated system told me my last payment was in XXXX which was incorrect In XX/XX/XXXX A new company became my mortgage lender or loan servicer shellpoint mortgage I contacted them to find out what was going on and they told me there were no records of the {$10000.00} I paid my previous servicer And in order to avoid escalation I need to pay {$5000.00} immediately I beg borrow and steal from friends and family and came up with the {$5000.00} and paid them and asking them to check into the {$10000.00} I previously paid and they asked me to send my proof of payments in witch I did email the proof to Mrs XXXX at shellpoint she gave me her email address and I followed up my emails of documentation with a questions for a months did she get the documents does she understand everything? 
I found out from another shellpoint representative that she can not receive emails nor replied to them The documents needed to go to loss mitigation or Loan Servicing 2 more months were wasted on this nonsense and I immediately sent the documents to the newly given email address and again contacted them and asked to speak to someone about this No one was available and of course they said they call me back They did not So I called in shellpoint and paid another {$2000.00} in XX/XX/XXXXand asked to speak to customer service because I was getting angry after several phone loops and department switching I finally got a hold of someone who left a message with themAnd I am awaiting a supervisor return my 3 phone calls asking for customer service help This has not happened Tbey no point mortgage Or telling meAs of todayor telling me XXXX I am five months delinquent This is impossible My mortgage payment is {$1100.00} a month since XX/XX/XXXX I have paid them {$17000.00} Full year of payments to my mortgage company is only {$13000.00} I have paid them {$17000.00} and they say Im five months behind and I can get no one to assist me with this they gave me a single point of contact to assist me he told me he cant do it, but he can except a payment Shellpoint mortgage is doing nothing to assist me with unique issue no matter who I speak to or how many times I verbally repeat myself Or continually email them about my situation nothing is done and I get the same old answers This problem started with my previous lender XXXX   and it seems as if no one cares about my situation I need help!! 
Thank You XXXX 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 2020-02-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Sometime mid XX/XX/XXXX, my email was hacked which exposed my Chase credit card & XXXX XXXX XXXX accounts. There have been unauthorized transactions in both. 
I reported it to a Chase Bank Customer representative in XXXX CA ( Mr. XXXX XXXX ). 
Two of the transactions on XX/XX/XXXX were refunded. 

A letter dated XX/XX/XXXX indicated the two transactions on XX/XX/XXXX  were deemed I was responsible of. The mercahnt name for both transactions was XXXX. One was for {$2700.00} & the other {$2300.00}. The reason given by Chase for saying that I was responsible was " You received credit from this transaction '.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have been banking with key bank for over two years now and have XXXX accounts and my XXXX account my direct deposit goes in there! over the last several months key bank has decided to charge me a XXXX Atm withdrawl fee every month for over {$20.00}! each month it differs! i have contacted them numerous times in regards to these fees and have got no responses back! i want to know what these fees are for! i use one atm and thats the one at my work because my cafe does not accept debit cards and its cash only! i do get charged a dollar every time i do use the atm so why am i getting charged twice for each withdraw? this should be illegal, this is my money not theres! im sick of these hidden charges! i also would like to know why key bank offers their new customers money to sign up for a account but in the meantime their loyal customers that have been banking with them for a long time only are get money taken from them!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
On or about XX/XX/XXXX, I called a local XXXX location ( XXXX XXXX, FL ) to inquire about their financing procedures. I had previously purchased a car from XXXX in Illinois in XX/XX/XXXX and it was a pleasant experience so I wanted to see what was available from them in Florida. I called the local dealership and was connected to a salesman and I explained XXXX him that not would not be ready to purchase a vehicle for about 6 months but I wanted to know what I might expect. He told me I needed to go online to their website and give my information to get me into their system so his very experienced manager could give me some information on qualifications. He promised no hard credit pulls and said they do soft pulls every day to somewhat pre-qualify potential buyers. HE LIED!!!! 

In XX/XX/XXXX, I was ready to purchase a car, and when applying for financing I was blown away when I found out that XXXX made numerous Hard Pulls in XX/XX/XXXX of that year. I called XXXX immediately and the salesman was no longer employed by them, but I did buy a car from another dealer at that time as stated and easily proven. 

The following is a list from all three credit bureaus : XXXX  : XXXX/XXXX  XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XXXX and Capital One Auto Finance ( COAF ) on XX/XX/XXXX and XX/XX/XXXX. 
XXXX  : XXXX XXXX on XX/XX/XXXX and Capital One Auto Finance ( COAF ) on XX/XX/XXXX and XX/XX/XXXX. 
XXXX : XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX and Capital One Auto Finance ( COAF ) on XX/XX/XXXX and XX/XX/XXXX. 

It has been over a year now that I have been disputing the numerous hard credit pulls from XXXX- XXXX XXXX that still remain on all 3 major  credit bureau agencies in my name. Countless calls to the credit bureaus, ( XXXX, XXXX and XXXX ) that will not allow me to dispute these inquiries, as that can only be done by the company that pulled them ... XXXX. 
I have also called some of the financial institutions XXXX used including Capital One Auto Finance, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. These lenders have told me the same as the credit bureaus, that only the company that pulled them in error can remove them ( XXXX ). 
I have called XXXX literally dozens of times since XX/XX/XXXX.  Despite these many calls and many hours with the dealership and all the way up the ladder to corporate, these hard pulls still remain today and hurt my credit appearance and scores on ALL 3 credit agencies. 
I finally got connected to XXXX XXXX, a Credit Executive at XXXX Corporate who promised to help me end this nightmare and clear things up back in early XX/XX/XXXX. I have signed and returned the document they provided to me 4 times by fax. I followed up numerous times to their office and they swore it was being corrected. 

To date, nothing has been done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-05
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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX 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 instructions ( XXXX XXXX  : Act # XXXX ) XXXX : Opened, N/A : Reported, Unknown : Condition Balance : {$310.00} ( XXXX XXXX. # XXXX ) XX/XX/2017 : Opened, XXXX : Reported, Closed : Condition Balance : {$13000.00} ( XXXX XXXX XXXX. # XXXX ) - XXXX : Opened, XXXX : Reported, Unknown : Condition Balance : {$880.00} XXXX XXXX, Contact : Not Available ( XXXX  XXXX, Contact : Not Available ) ( XXXXXXXX XXXX XXXX  Act. # XXXX ) XXXX : Opened, {$13000.00} : High Balance, {$14000.00} : Balance, Installment : Account Type, Open : Condition, XXXX : Reported, {$390.00} : Payment

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 2018-06-03
Company: PNC Bank N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have been wrongfully charged overdraft fees from PNC Bank, and this is not the first time. I enclosed my latest checking account statement ( dated XX/XX/XXXX ) and numbered each line to help explain my complaint. 
Line : 1 & 2 -Two overdraft fees already posted for XX/XX/XXXX. ( Not Pending ). Balance before this debit {$520.00}. 
Line : 6 - Debit for {$22.00} dated XX/XX/XXXX. Deducted last instead of the debits occuring on XX/XX/XXXX. 
Line : 3, 4, & 5 - These three XX/XX/XXXX debits ( still pending XXXX should have been deducted from my account after the XX/XX/XXXX debit allowing for only one NSF fee. 

Calling PNC Bank was a waste of time. I explained the situation, however, I did not receive a legit answer or refund of my NSF for their mistake. This bank seems to look for reasons to charge these fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: Hollis Cobb Associates
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2019 I received my first bill from XXXX XXXX XXXX Hospital for {$2200.00}. I have made payments on their online system of {$300.00} every month since receiving the original bill. 

XX/XX/2019 {$300.00} XX/XX/2019 {$300.00} XX/XX/2019 {$300.00} XX/XX/2019 {$300.00} I received a statement in the mail dated XX/XX/2019 stating that I had overdue balance of {$1000.00} and the balanced needs to be payed on or before XX/XX/2019. 

I went to pay balance online on XX/XX/2019 and the outstanding balance listed is {$0.00}. A highlighted portion of the page indicates " You currently have accounts in bad debt collections. Please contact customer service to make payment arrangements on those balances. '' I contacted customer service on XX/XX/2019 to try to understand what is happening. The rep indicated that my balance had already been sent to a collection agency and that there was nothing they could do even though I have been paying monthly installments of {$300.00}. The rep indicated because I did not schedule those payment amounts with XXXX XXXX that the balance has gone into arrears. The rep said I should have received a letter from the collection agency as it was sent to them on XX/XX/2019. The rep gave me the telephone number of the collection agency as I could not pay off my balance through XXXX XXXX. Keep in mind that the statement indicates I have until XX/XX/2019 to pay off balance and not have it reported to the credit bureau. 

I contacted the collection agency on XX/XX/2019 who said I should have gotten or would be getting a letter to pay the arrears amount. I indicate I had not received any communication from them. I used my credit card to pay the balance plus a {$5.00} fee for using the credit card to XXXX Hollis Cobb on XX/XX/2019 in the total of {$1000.00}. 

I should not have my credit score effected when the statement indicates that I have until XX/XX/2019 to pay the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: EQUIFAX, INC.
State: MO
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. I previously sent a letter on XX/XX/2022 and set another letter on XX/XX/2022 to follow up the previous letters I sent. As of todays date Equifax, XXXX, and XXXX has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. I need the following accounts corrected and if the Credit Bureaus chose to not comply with the simple request, I would greatly appreciate it if the Credit Bureaus would remove the disputed accounts from my Credit Report : XXXX. XXXX XXXX  XXXX XXXX Balance Owed : {$1200.00} XXXX. XXXX  XXXX XXXX Balance Owed : {$490.00} XXXX. XXXX XXXX XXXX Balance Owed : {$10000.00}

Company response to consumer: Closed with explanation