BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-02
Company: EQUIFAX, INC.
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:
I sent letters to the 3 credit bureaus ( XXXX XXXX, & Equifax ) for them to investigate 4 accounts that are reporting on my credit report that I have no knowledge of. I demanded, based on the Fair Credit Reporting Act, that they send me proof ( signed contracts ) that the accounts belong to me or remove the fraudulent accounts from my credit report in which they are required to do if they can not submit verifiable documents of each account. 

Letter 1, 2, 3 & 4 was certified mailed to XXXX, XXXX   & Equifax respectively on XX/XX/2018 ( letters 1 ). 

Equifax : XX/XX/18, XXXX  : XX/XX/18, XXXX : XX/XX/18 ( letters 2 ). 

Equifax : XX/XX/18, XXXX  : XX/XX/18 & XXXX : XX/XX/18 ( letters 3 ). 

Equifax : XX/XX/18, XXXX XX/XX/18, XXXX XX/XX/18 ( letters 4 ). 

The accounts that were requested by myself for XXXX, XXXX, and Equifax to investigate are : XXXX XXXX XXXX, XXXX XXXX, XXXX Card, XXXX Bank. 

Each time I sent a letter, their investigation came back as the accounts being verified as belonging to me without sending me a copy of verifiable proof of a consumer contract with my signature on it. XXXX also sent me 2 out of their 4 response letters that they have sent letters previously regarding my dispute ( which was just them saying that they investigated and verified the accounts as mine without verifiable proof ) and that they will no longer investigate my accounts. The response letters they sent were dated as follow : XXXX : XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 XXXX : XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 Equifax : XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 All of which they claim to have verified the accounts as belonging to me without sending a consumer contract with my signatures.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
There are items being reported on my credit report that are inaccurate and I have contacted these companies over 60 days ago for a solution and I havent gotten a response yet! i have attatched the letters for confirmation

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 2020-06-26
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I inadvertently sent two payments for the full amount due to my credit card with XXXX XXXX. When I realized my mistake I called customer service and was first told that I had to call back after the payment had posted to my account I had called XX/XX/XXXX. On XX/XX/XXXX I called again and asked for a refund to be processed and I understood that that would take 3 to 6 business days. On the XXXX I called again and saw that there was no movement of my funds so I asked to speak up to a manager and was told that payments to customers are done by check and then it takes 10 days for them to process the check. This means I will not have my funds available to pay my XXXX bills until like XX/XX/XXXX. Is this the best and most efficient way for a bank to handle a refund of excess payment? If that is the case with the CFPB please have this procedure expedited by EFT such as the payments I make to the credit card company. 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 2020-06-27
Company: PNC Bank N.A.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I tried to ach funds to a debit card / transfer account. PNC denied my transfer and I find it unacceptable. These financial institutions rob us every day with thier forced fees. We should be able to use our funds as we see fit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I currently have an account with mr. Cooper. It is under my brother 's name XXXX XXXX, i am on the title of the home. I applied for the homeowners assistance fund since i lost my job aince XXXX and i finally got approved for mortgage and bill assistance. They still have yet to disburse payments and i have called and emailed for some answers and no one will respond to me. They even asked me to upload new bills because the old bills i had uploaded for assistance were since XXXX. They awarded me the amounts from XXXX, not XXXX since XXXX 's bills were higher. My utilities are beinf cut off soon. Can someone please help me? My app number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: EQUIFAX, INC.
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: Received unsolicited financial product or insurance offers after opting out

Complaint:
Approximately 8 months ago, I requested that all credit bureaus did not sell or release my credit information to credit companies in order for them to solicit my business. 
this complain has 3 parts 1 ) I am still receiving such solicited letters on the mail 2 ) my credit score went considerably down from the XXXX to XXXX after my request was done with the 3 credit agencies, this is troublesome to me, it seems if the credit agencies can not make money out of your credit report, they lower your scores, if this agency takes a look at my credit report history, it will see what I am taking about, credit companies should not be able to do what they please with the credit of citizens, I feel this is an unfair practice, credit reporting agencies have to be fair on reporting everyone 's credit. 

3 ) since I requested for my credit information not to be sold, even though I pay my credit card balances in full every month, instead of the credit agencies reporting a XX/XX/XXXX carrying balance, they are reporting new transactions not paid prior to due date as a non paid balance from the previous month, this is causing damage to my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: Experian Information Solutions Inc.
State: AL
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:
I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.

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 2019-01-02
Company: Siggi LLC
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a loan with Omni Financial in XX/XX/XXXX and it eventually went into a charge off status in XX/XX/XXXX with a balance of {$3500.00}. Every month since then they have been charging me all types of fees and reporting it to the Credit Bureaus to now my balance is up to XXXX. 


If the balance is was charged off how can they still add all of these fees to a loan. I have tried calling them but it only sends me to a collection agency that has been nothing but RUDE! I tried sharing I went through a XXXX  divorce and am XXXX XXXX XXXX from the VA. 

I am in the process of trying to purchase my first home and having this increase monthly with fees is damaging my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I recently opened a chase checking and savings account and upon opening the account I was informed that another checking and savings account was opened and charged off in my name. I left the customer service at the bank no that it was fraud that I have never held a personal checking or savings account with chase bank before, just a loan account for a lease car that I have. I provided them with documentation proving my claim of identity theft and my accounts was allowed to be opened ... .. Now days later they close my account after I switched my direct deposit over and all my bills to come out of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.

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 2019-01-02
Company: ECMC GROUP, INC.
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XX/XX/2018 Funds withheld from my payroll by XXXX XXXX XXXX, affiliate of XXXX XX/XX/2018 Immediately filed complaint with XXXX  because funds had been illegally garnished-what they had designated as loans were actually TEACH grants that I am in compliance with XX/XX/2018 Response from XXXX/ECMC indicated that funds garnished would be refunded to me in compliance with terms of bankruptcy XX/XX/2018 Filed for Bankruptcy in District of Columbia, XXXX XX/XX/2018 Bankruptcy, chapter XXXX, granted XX/XX/2018 I contact ECMC to ask why they are collecting on a TEACH grant that I am in compliance with XX/XX/2018 I contact the Ombudsmans office at the US Department of Education seeking assistance in resolving this issue as I am one of thousands of XXXX across the USA that have been jeopardized by the immoral and illegal practices of this company. The Ombudsmans office indicates that I need to resolve the matter with ECMC/XXXX  directly. 
XX/XX/2018 XXXXECMC and affiliates indicate to me that they will send me a form to complete and submit in order to request a review of my file BUT they continue to " collect '' on a TEACH grant XX/XX/2018 Form arrives from ECMC/XXXX  and affiliates, I have completed form and am submitting it via their customer service email address

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 2021-05-03
Company: Stephen Einstein & Associates, P.C.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I tried calling the company of Stephen Einstein and Associates on numerus occasions. All representatives refuse to talk to me on the account. They all said there was not any supervisor or attorney I could speak too. They said they are a law firm and don't have follow the FDCPA. They constantly told me I had no rights and said I will be getting a judgement for a debt I do not acknowledge but I was calling to see what this debt was for because it was on my XXXX XXXX. They refuse to get me to anyone that could give me any information. Said they would not send me a validation of debt. Got very rude. Made numerous threats. Would not connect me to anyone helpful. I got hung up on by 3 representatives. Then they wouldn't answer my calls. Just made threats of lawsuits and judgements.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received my credit report from Equifax and I noticed some inquires that I did not authorized. On XXXX XXXX XXXX XXXX is showing up as an inquiry. On XX/XX/2020 the following companies are being report on my credit report as an inquiry : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, and XXXX XXXX XXXX. On XX/XX/2020 XXXX XXXX, XXXX XXXX is also listed on my credit report. I did not authorize these inquires. I have spent weeks talking to each of these companies and I was notified to contact Equifax to removed those inquires. I have sent several letters to Equifax and did not receive any respond from them. It has been well over 30 days. Equifax did not provide strict proof of me personally authorizing these inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: Experian Information Solutions Inc.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
In my consumer credit report, a note of XXXX XXXX of Bankruptcy # XXXX which does not belong to my credit reports is reported. Like variations of names, addresses that do not belong to me such as XXXX XXXX XXXX XXXX XXXX, P.R XXXX and jobs that do not belong to me, such as XXXX XXXX and XXXX XXXX XXXX. 

Realize an investigation in the portal of the judicial branch of Puerto Rico to verify the information of the incorrect record and this case number is not reported under my name. This situation is making it impossible to use my credit for future purchases.

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 2020-06-26
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
PNC has made a change that prevents you from being able to link accounts. file consumer financial protection bureau makes sure banks, and of the financial companies treat you fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
Company: WELLS FARGO & COMPANY
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:
On XX/XX/2018, I sent a request for verification of late payments being reported on my credit report. On XX/XX/2018, they sent back a letter saying that they verified the account as accurate BUT did not sent any verification documents. They also did not mark the account as disputed within 30 days as required by law. They have not followed the FCRA and the negative remarks need to be deleted.

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 2021-08-14
Company: EQUIFAX, INC.
State: NJ
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 mailed multiple disputes letter to Equifax, XXXX, XXXX, informing them that there is inaccurate information reporting on my credit report. All 3 bureaus refuse to remove the items I disputed. and send the dispute results back to me. It has been 6 months. I started sending letters XX/XX/2021 until now XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: Mr. Cooper Group Inc.
State: VA
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:
I XXXX XXXX paid off the mortgage at XXXX XXXX XXXX XXXX in XXXX, MD XXXX on XX/XX/2021. It still shows that I have a balance of $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
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:
I looked up my credit and I have lots of auto loan places that checked my credit without my permission I never once talked to them or even seen them in person to give them permission for anything. The only place that I have a loan with is XXXX XXXX  and that should and would be the only place I would have on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31
Company: OLIPHANT FINANCIAL, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In response to a denial of an extension of credit this consumer checked with the consumer reporting agencies and found the following : 1. Your company has furnished negative information about this consumer to one or more consumer reporting agencies as shown by the accompanying exhibits. 
2. This consumer is unsure of whether or not your company can show that it has complied with the notice requirements found within the consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
Company: Experian Information Solutions Inc.
State: NJ
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 mailed multiple disputes letter to XXXX, XXXX, XXXX, informing them that there is inaccurate information reporting on my credit report. All 3 bureaus refuse to remove the items I disputed. and send the dispute results back to me. It has been 6 months. I started sending letters XX/XX/2021 until now 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 2020-08-19
Company: Experian Information Solutions Inc.
State: CT
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 decided to get my credit pulled for a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I saw my report I was caught off guard on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these unknown items from my 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.

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 2018-06-11
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: Was not notified of investigation status or results

Complaint:
For the last 4 months I have been asking XXXX  and Transunion to verify accounts that were placed on my credit along with names and invalid SSN number s however they only update the accounts without sending me proof of how the accounts were verified. When I spoke with XXXX  on the phone they refused to listen to me and stated that I can no longer dispute the accounts because they were verified but when asked how they become agitated. On XX/XX/2018, I contacted Transunion and the supervisor of the fraud department became argumentative and hung up in my face. According to the FRCA if the accounts can not be verified they have to removed and this process has been going on for 4 months. Thanks, 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 2018-06-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/XXXX, I received a notice from Portfolio Recovery Associates that " unless payment or satisfactory arrangements for payment are made with our office no later than XX/XX/XXXX, we intend to file suit in the proper venue and court within California ''. 
On XX/XX/XXXX, I contacted Portfolio Recovery Associates and spoke to both XXXX XXXX and also XXXX XXXX ( operations manager ). I established a monthly Repayment Agreement of {$75.00} per month, due on the XXXX of each month, starting on XX/XX/XXXX. 
On XX/XX/XXXX, I made my first payment of {$75.00}.

On XX/XX/XXXX, at XXXX, a man knocked on my door and served me summons papers that I was being sued by Portfolio Recovery Associates .

This was after I had already established a Repayment Agreement with the company. I immediately contacted the company to ask why this had happened. I spoke to both XXXX XXXX and XXXX XXXX. I was told the lawsuit has already been in process when I set-up the payment arrangements even though their letter said to contact them by XX/XX/XXXX.I confirmed that the attorneys who filed the suit worked for them. I fail to understand why, after I set-up a payment arrangement, the suit was not dropped, even though 3 weeks had passed from the time I set-up the arrangements and the suit was filed.

Company response to consumer: Closed with explanation