BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-02
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Trying to refinance with another mortgage company and my current mortgage company Lakeview loan services /XXXX has been holding me XXXX by falsified payoff documents. Hindering the refinance. So I can move on. Lakeview loan services messed up on my taxes and trying to get me to pay for it. My XXXX veteran tax exemption was filed and reported to Lakeview

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 2021-06-14
Company: CORELOGIC 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021 Credco and global lending service looked at my credit report without my permission. called the companies and they dont have my information in there system to verify that i approved them to look at my credit report its 2 inquiries in my report which im trying to get removed i out in a dispute with XXXX and they havent verified from the companies that i authorized them to get a copy of my credit report i sent XXXX XXXX letter asking them to remove the inquiries as well and have not heard from them i wrote the companies too

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 2021-06-14
Company: Global Lending Services LLC
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021 XXXX and global lending service looked at my credit report without my permission. called the companies and they dont have my information in there system to verify that i approved them to look at my credit report its 2 inquiries in my report which im trying to get removed i out in a dispute with XXXX and they havent verified from the companies that i authorized them to get a copy of my credit report i sent XXXX  a letter asking them to remove the inquiries as well and have not heard from them i wrote the companies too

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I keep losing all the information I put down so this is just me saying what happened. As of XXXX XXXX, XXXX on them before date of XXXX XXXX, XXXX I was placed in a mental health facility. The direction of the length of time being spent was n't given to me by overall stay there over three weeks and a half. During the time of my stay my personal checking and personal savings was liquidated far before I got out my credit cards are maxed and basically accounts were closed before I even got out. With that being said I got out of the facility and during the day and there was never informed that and then Vic should notice was placed on my door with notice to leave. With me being in the facility all my personal items were thrown away from my house or apartment XXXX XXXX Virginia XXXX, XXXX, CA XXXX. With all my valuables been thrown away materialistic items gone. There is also three of my vehicles that basically could n't be moved. They got labeled as a banded waist and put out have a XXXX for an impound. Now When leaving the facility in receiving this information that everything of mine was thrown away and cars and pounded basically I walked from my house to my personal bank Bank of America off of XXXX XXXX Less than a mile away not having any form of ID so security social card or birth certificate as well as EIN XXXX the personal banker that I had actually open my accounts up with that help me out to try to figure the situation he then presented to me that both of my accounts were liquidated around 9100 and  something dollars and then my credit was maxed out the total of 2700 and something I really do n't know what to say more I 've tried and continue to do so but the definition of insanity been to repeat the same process and expect a different outcome is starting to dwell on my shoulders thinking I might be insane.

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 monetary relief
Consumer complaint received 2017-09-29
Company: EQUIFAX, INC.
State: SC
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:
I sent an investigation request to the credit bureaus on XXXX XXXX. Its been almost 60 days, and I have yet to receive my results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: First Credit Services Inc.
State: RI
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 called because there was an open account on my XXXX report only, for a collection. The debt balance was inaccurate and was reporting as such. I have paid the original balance with the business and have asked them to delete the account all together due to inaccuracies. They denied my request and proceeded to tell me they wouldnt help me further.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am a member of Experian Credit works. I am given 3 bureau scores and Experian reported my scores as XXXX Experian XXXX XXXX and XXXX XXXX. Today I attempted to apply for a mortgage and was declined since my Experian score was reported to the lender as XXXX Experian and I believe XXXX XXXX with a free on XXXX. Experian is not providing accurate data and as a result I now have an additional hard inquiry. This company should be investigated as they charge for this program and are providing misleading information to consumers. Moreover on several previous attempt Experian refused to remove incorrect information on my report.

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 2020-02-25
Company: JPMORGAN CHASE & CO.
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 XXXX XXXX, 2020, I was looking at my Chase bank statement online, and noticed a transaction from XXXX in the amount of {$40.00}! I have never done business with XXXX, so I immediately called my bank. I told them the problem and they filed a claim. 

The next day, I got an update letter ( all online ), that stated they would Credit the {$40.00} to my account while they " investigated '' the matter. Then, on XX/XX/XXXX I got another letter dated the same date, that they had completed their research and they " found that the transaction was " processed correctly '' ( whatever that means ) OR " was authorized ''! It certainly was Not! 

The last line of this letter said that I could contact them " IF you would like to request the information we used for our research ''! 

Again, I called the bank right away and said, " Yes, send me the information you used in your research. I would love to see it! '' The Rep said that they would mail it to me and it would take 10 business days! I said, OK. This call was on XX/XX/XXXX. It is now XX/XX/XXXX and I have not received any letter. I am upset. I feel like they just threw me under the bus. I have been a customer of Chase for the past 17  Years! I don't believe they investigated anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: Credit Management Control, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 I got a notification from XXXX that I had a new account in collections. It's from a 'Credit Management Cntrl ' for {$1600.00}. The reporting company seems to be management company of an apartment I used to live at with my parents and brother. I had moved out of this apartment over a year prior, and was taken off the lease. Whatever this money is owed for, it is not my responsibility, as again, I had not lived there in over a year when it was added to my credit report. I've disputed this with XXXX multiple times, and I've tried contacting the company with no response. Neither my parents nor my brother, who were on the lease at the time, received any information from anyone about owing any money and have no collections accounts on their credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: ROBINHOOD MARKETS INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A month ago Robin Hood financial froze my debit card for no reason I went to pay a bill and it didn't work they didn't respond repeated emails or didn't tell me anything so I call support and they said we'll have to forward you an email so. They sent me an email saying I needed to verify my identity there was no reason for them to do that I verified my identity with them in 2019 they even sent me a settlement for {$12000.00} without even asking for verification I've been had that account for XXXX  years. I didn't have a physical ID so I told him to have to wait until I went to the XXXX to get one and I needed my money really bad my rent was due and my phone bill so I went to the XXXX went a couple weeks but before that I sent them my birth certificate my tax return my XXXX XXXX XXXX  bill and a picture of my ID. So my new ID and new social come in the mail and I immediately take a picture of the front and the back and then take a picture of the ID next to my face and send my social security card and my ID to them to verify my identity. A week goes by and they still have my money Frozen is my last paycheck the last money I had and they're still not getting back to me so I'm emailing them again and they respond asking me for a copy of a bank statement that's connected to my account.and then they give me an account number.The account number they sent and wanted a stamens from was not the account I have connected to my Robinhood. And they said they needed that because of the unauthorized transaction that I reported. I never reported it unauthorized transaction not once, they just cut my card off and my account off and wouldn't let me withdraw money. out of the blue without letting me know for no reason at all. So now I sent him a bank statement and it's been XXXX days they're not returning my calls they're ignoring my emails. They have a way to contact them by requesting your call back I requested a call back XXXX days ago and every time I try to request another one because they're not calling back it says that the XXXX from XXXX days ago is still active so they won't leave and let me request another one so they're just not calling me back and they're not responding to any of my emails my phone bill is due my landlord is threatening eviction because some of that money that was in there I was going to for my rent. My emails now at this point they're just ignoring my emails and my calls and they won't tell me why they restricted my account it's {$2000.00} in there and I have bills to pay and it's been a month in XXXX weeks they're ruining my credit. Like I said I sent my birth certificate my social security card, my XXXX XXXX XXXX  bill, my tax return, and my id, and a picture of my ID next to my face also.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
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:
A debt collector re-aging an account can cause serious damage to your credit files. Re-aging would allow a collection account to remain on your credit reports in-perpetuity. Take the following steps if you believe you are a victim of re-aging. 

I have Disputed this account many times and they just re-age the account. The date of first delinquency is wrong. XXXX refused to correct it, they told me to contact Portfolio Recovery because they only place whatever information they are given on my Credit File, I advised her the account was re-aged and that it is illegal for them to report it being an open account XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/2020 ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Dispute resolved ; customer disagrees Original creditor name XXXX SXXXX XXXX It is a criminal offence to re-age an account and I want this account removed from my Credit File Immediately they have never verified this Debt and are always stating the it was verified and accurate which is FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 placed a security freeze on my credit profile with all three CRA 's several years ago. Recently I had to temporarily lift the freeze and experienced no issues with XXXX and XXXX. Tranunion locked my on-line account preventing me from managing my credit profile security and refuses to unlock my account. I never requested the account be locked nor have I been a victim of identity theft.

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 2021-12-02
Company: PNC Bank N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I opened the PNC checking account by clicking on the application link for Virtual Wallet Performance Select with {$400.00} welcome bonus. However, something messed up in PNC backend system that I ended up opening another type of checking account as Virtual Wallet with only {$100.00} welcome bonus. 

After I met all the requirements for the promotion but suddenly found that PNC gave me a different checking account from what I applied for, so I called customer service to change my account to Virtual Wallet Performance Select which is what I applied for. 
The banker on the call told me that my account has already been updated and the welcome bonus would be issued based on the updated checking account. However, I ended up receiving the bonus of {$100.00} which is still for the wrong checking account PNC issued at the beginning. 

I called PNC banker again but they was not able to do anything. They just gave excuses that the final bonus is based on the original wrong checking account PNC issued, instead of the corrected checking account type I changed later. 

This is such a cheating behavior because it was PNC who messed up the application, issued the wrong checking account type, or messed up in recognizing the application link and resource. 

My PNC Account Number : XXXX ( Virtual Wallet Performance Select ) Please review my welcome bonus requirements for the corrected checking account type ( Virtual Wallet Performance Select ). And issue me the correct welcome bonus amount of {$400.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-01
Company: WAKEFIELD & ASSOCIATES, INC.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has listed 8 alleged accounts on my credit reports.Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Wheres my HIPPA release form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. 
Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: Nelnet, Inc.
State: TX
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:
NelNet Loan Services are putting inaccurate and non certified information on my credit report that does not belong to me. Balance XXXX. Date Claimed Open XX/XX/2008. They are still reporting to the credit bureau. Balance XXXX Date Claim Opened XX/XX/2008. They are doing illegal practices and are unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
This is a complaint against Capital One Credit Cards and their failure to follow the Federal Law and mark my Credit Reports with my Dispute of the 3 accounts they are reporting with them. I've sent 2 different letters via the USPS Certified Mail and all were signed off on at Capital One on XX/XX/2021 and XX/XX/2021. These were all confirmed delivered from Capital One 's communication to me in response to receiving these letters. However, Capital One has violated the Federal Law and my rights under the FCRA by not marking my Credit Reports within the 30 days allowed per the Federal Law and the FCRA. I've attached Proof of this of my Credit Reports from the following dates XX/XX/2021 ( past the 30 days of my dispute letter received by Capital One on XX/XX/2021 ) XX/XX/2021 ( well past the 30 days of my dispute letter ( s ) received at Capital One on XX/XX/2021 and XX/XX/2021 ) and today XX/XX/2021 ( well past the 30 days of my dispute letter ( s ) received at Capital One on XX/XX/2021 and XX/XX/2021 ) I've enclosed all the letters that were sent to Capital One, the USPS Certified Mail receipts that they signed for them and received them, and copies of my Credit Reports on 3 different dates showing they violated the FCRA and Federal Law by not marking my Credit Report with remarks that I am disputing the information they are reporting. My rights have been violated by Capital One not following Federal Law and also my rights under the FCRA. Their failure to follow the Federal Law and my rights under the FCRA, has affected my ability to obtain further credit. This will also be filed with the XXXX and the Office of the Attorney General. Thank You for your attention to this matter,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX has a fraudulent account listed against my credit file with the credit bureaus. The account they have listed against me was opened as a result of identity theft, where my correct personal information was used to open a utility account in my name fraudulently. This account is however not under my social security number, yet it is still listed on my credit file. I have contacted XXXX XXXX to make them aware that this was a fraudulent account and was yelled and screamed at by one of their agents, and they refused to remove the account from my credit files. I have never done business with XXXX XXXX, the person who placed this account with Convergent, nor have I done business with XXXX XXXX. This account is 100 % fraudulent and Convergent has refused to cooperate in having this fraudulent account removed from my credit file and continue to attempt to collect on a debt they have been made keenly aware is fraudulent.

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 2022-04-28
Company: EQUIFAX, INC.
State: IL
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX # 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

Company response to consumer: Closed with explanation