BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-03
Company: EQUIFAX, INC.
State: MI
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/XXXX I contacted XXXX regarding the billing error on my account with XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. Pursuant to 15 usc 1666a ( a ) collection activity includes furnishing any information on this subject matter to any consumer reports there should be no publication or advertising of any kind until the dispute is resolved. 
Pursuant to 15 usc 1692 I invoked my remedy to cease all communication and collection activity on this alleged account. XXXX continues to furnish this innacurate alleged information. 

I also stated that I so do believe I am a victim of XXXX identity theft under title 18 us code 1028a on multiple occasions XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX has knowingly used without lawful authority a means of my identification in order to compromise my financial reputation. I also demanded a certified copy of the ORIGINAL certificate of indebtedness in order to verify XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX is in fact the holder in due course there is in fact a proof of claim of this debt. Without this I can not verify and there can not be any valid claims of alleged debts in the name of my principal obligor. 

On XX/XX/XXXX I called XXXX to resolve the matter of innacurate information reporting and to let them know the above accounts were In billing error notice, I was hung up on by an agent which is defined as abusive practices pursuant to 15 usc 1692. The supervisor also explained to me that they would continue to furnish this information due to their protocol. When I explained to her that this was against the law according to 15 usc 1681b she ignored me and stated it would continue to report. This has caused me great stress due to my credit being damaged due to their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
Company: SYNCHRONY FINANCIAL
State: TX
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 have been having a problem with a dispute I made with Paypal Credit ( Synchrony Bank ). I submitted a dispute for a charge that was defective on XXXX for a merchant, XXXX. I advised that my purchase was defective and I had contacted the merchant on a couple of occasions for a refund or replacement, as there is a warranty on the purchase. I have not received any response. PayPal service associate, XXXX, advised me I would get something in the mail in 7-10 days regarding my dispute to sign and return. I never received anything. I had called them back and was advised that I would get some kind of contact regarding the dispute. I called a couple of times to follow-up because there was radio silence on their part. The next contact I received was a letter on XXXX stating I had to contact the merchant! 

The merchant is overseas, which I advised them. Furthermore, I had sent the merchant e-mails on XXXX and XXXX regarding my request for credit or replacement to no avail. Thats when I reached out to PayPal Credit for assistance. They seem to be very useless and didnt ask for anything from. When I received their letter, they advised me that I needed to contact the merchant. Well. did you not listen to anything I said on the calls I made? I talked to XXXX, a manager on XXXX regarding the letter. He advised me that I can submit it again, but he initially told me that the decision on the letter I received was likely final. So am I to spin my wheels again and wait out the time just to get another letter stating, You have to contact the merchant. I thought my credit bank was an advocate for me? PayPal Credit i.e. Synchrony Bank is not living up to its values. Its doing the reverse. Here is what I believe their values mean BEING HONEST- Just dont waste your time, its denied BEING RESPONSIBLE- Let customers take care of their own problems, we are not here to reduce customer effort PASSION- We are here to fuel only our profits CARING- Show zero empathy and compassion to our customers DRIVEN- Drive away customers with our bootleg service BOLD-We strive to not be a differentiator among our industry peers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: MNE Services, Inc
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Mon. XX/XX/XXXX @ XXXX XXXX Received phone call from guy claiming to be an investigator named XXXX XXXX stating I owe money for a payday loan. I informed him that I do not owe a payday lender and asked him to email me proof of loan or some document to show that I owe. He finally emailed a threatening document stating I owe but not mentioning to whom I owe. I informed him that I am disputing any loan he shows I owe. He stated he would call my place of employment daily until I pay the money. 
Tues XX/XX/XXXX He has been constantly calling my place of employment today with back to back calls. He uses profanity and threats to anyone that answers the phone. The number he called from is XXXX / emailed from XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Account status incorrect

Complaint:
Can you please run an investigation because the company is unheard of, the balance is unknown and the number is off?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
On XX/XX/2021, I logged onto XXXX to obtain a recent copy of my credit report. I was denied a credit report due to an open dispute. It has in fact been 30 days since I mailed the dispute. I have received no communication from Transunion to state that they received my dispute, that an investigation has begun, etc.

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 2018-01-23
Company: Santander Consumer USA Holdings 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: Their investigation did not fix an error on your report

Complaint:
Called the company in ref to account on my report only thing said is thats it a old account i then reported to the 3 XXXX XXXX anf XXXX XXXX XXXX and no update was done

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: Experian Information Solutions Inc.
State: NY
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 XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Bankruptcy XXXX XXXX-discharged Reference number : 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 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 2021-12-03
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the WELLS FARGO with the account number XXXX still remains on my credit report in violation of XXXX XXXX. The XXXX and XXXX Credit Bureaus failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

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 2018-01-23
Company: AMERICAN EXPRESS COMPANY
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:
I 'm filling a complaint because I have an American express account I did not open, it is a result of identity theft or fraud. my wife opened the account without my consent or knowledge and when I found out and asked her to give me the logins an passwords she created for the account to access the account she refused, and she set the account up to get paperless billing sent to her private email address witch she also refused to give me access to. I called American express and notified them of the identity theft by my wife and asked they close the account witch evidently they did not and are continuing to send letters saying my account is past due, And stating my credit score as reported by XXXX has downgrade from XXXX to XXXX as result of pass due amount owed on this account witch I did open.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-23
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:
they run my credit without my permission capital one auto finance XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/2018 Inquiry Type : Individual

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: Bridgecrest Acceptance Corporation
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
Thru bridgecrest is my original loan for my car. I refinanced it with XXXX in XX/XX/2021. I reached out to bridgecrest XX/XX/2021 on whether payoff received and was advised it was not. I went to XXXX put a stop payment on first check since had been a month and certified overnighted a XXXX check and bridgecrest verified to me while in the XXXX office on XX/XX/2021 was signed for by their front desk but still hasnt been applied to my payoff now as of XX/XX/2021. Check was received XX/XX/2021. XXXX now needs a letter stating the payoff is still the same XXXX lien be released if a XXXX check needs to be issued since bridgecrest can not find the XXXX check that was signed for by their representative. Bridgecrest is advising as of today they can not issue that letter. In mesntime I am paying on this loan thru XXXX since XX/XX/2021. This is reported in my credit report now as XXXX days past due and I have cleaned my credit up and come a long way over last XXXX years. I also feel I should be compensated at this point for the stress and frustrating and hours on the phone which resulted in missed time from my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: CITIBANK, N.A.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have reached out to this company via certified letter asking for debt validation in which this company has not responded to my request. I sent the debt validation letter on XX/XX/XXXX and again on XX/XX/XXXX with no response either time. I have no knowledge of this debt. I have no signed contract with this company nor do I have any signatures or receipts from this company. They have not responded to either request for validation. I am being denied credit because of this inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: Worldwide Processing Group, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
In the past week, I have received the same call four times. It is a robocall stating that it is for XXXX XXXX. The first time I simply hung up. The subsequent times, I dialed 0 to speak to someone. First time it was a woman, second and third times it was a man. None ever gave their name, all were rude. The final man, XX/XX/2018, was exceptionally rude after I told him that I had repeatedly asked them to drop my number as I am not, nor do I know, XXXX XXXX. The man began yelling and I yelled back to drop my number. At this time, my husband is hospitalized in critical condition, and I am afraid to not answer the phone if I am not at the hospital for fear the caller will be from a hospital, doctor or other care facility. Therefore, ignoring an unknown number is not possible for the time being.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: EQUIFAX, INC.
State: MS
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:
XXXX/XXXX/XXXX I have been sending out letters with the credit laws asking for verification for months with no response to the situation and Equifax will not remove the unverified items.This letter was sent on XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-23
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have three rental properties covered under one insurance policy. Each of the properties has a mortgage, and collects escrow towards payment of taxes and insurance as part of my monthly payments. I have already filed a complaint against one of the mortgage companies, XXXX, and am now filing another complaint against XXXX XXXX XXXX, who holds the other two mortgages. Between these two companies, they failed to pay the insurance renewal from the escrow accounts, resulting in loss of coverage. As describe din my previous complaint against XXXX, PNC has also been uncooperative in remediating this problem. On XX/XX/XXXX I learned that PNC did not have a renewal invoice, although my agent claimed to have faxed it on XX/XX/XXXX. I asked my agent to resend with a breakdown of amount due per property. She resent it on XX/XX/XXXX, plenty of time before the renewal date of XX/XX/XXXX. I followed up with her on XX/XX/XXXX, and learned that she had been leaving messages with PNC, but no one had returned her messages. I called PNC again and gave them her contact info and demanded that they follow up. On XX/XX/XXXX I received a message from my agent asking for my social security number, because PNC was refusing to discuss my accounts with her without this information. On XX/XX/XXXX my agent sent a message stating that she had spoken with XXXX in the PNC insurance department, and that checks were being issued and rushed that same day. However, as of XX/XX/XXXX no payments were received, and when I called PNC, I was told that they never received the invoice, bringing us full circle to where we started. I asked for a supervisor and was sent, after a long wait, to a voice mail for XXXX XXXX. I am awaiting a response.In the meantime, insurance on all three properties has lapsed, and the underwriter is refusing to reinstate, even if they receive the payments immediately, so I am now being required to await another quote from underwriting, and will most likely have to pay out of pocket for the insurance once that is received to avoid further exposure. I am living paycheck-to-paycheck right now, and can ill afford this additional expense after having dutifully made my principal and escrow payments each and every month on time and without fail. If I am having so little luck getting them to pay the insurance in a timely manner, I feel that I have little chance of collecting reimbursement form them for paying the insurance myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I just resolved a complaint with M & T in XXXX XXXX. As we were resolving that complaint, a XXXX transaction that didnt belong to me came into the account. I alerted them immediately that the transaction was invalid and didnt belong to me. I told them to return it immediately because the money did not belong to me. M & T refused to return the money. I have been in touch with the individual that sent the money in error. We have conducted business in the past but he sent the money in error. I explained this to the bank and they refused to return the money. The individual is now considering pressing charges because the {$400.00} has not been returned. I am asking the CFPB to investigate this matter. The bank was trying to clear up the left over negativity balance in my account. They refused to return the money even after my continued requests and then demands to return the money. I will share this complaint number and all correspondence with the individual.

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 2022-10-04
Company: Experian Information Solutions Inc.
State: CA
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am writing this complaint AGAIN because I need to dispute information that I feel is inaccurate, incomplete, untimely, or unverifiable. Please provide documents that show the following information is 100 % true, accurate, complete & verifiable. If youre unable to provide me with your methods of verification or verify the legitimacy of the information I need you to remove them from my file. Additionally, I am not liable for these accounts for they are littered with inaccuracies so please DELETE these damaging records immediately! 

XXXX XXXXXXXX XXXX XXXX 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 2021-02-12
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
The Courthouse stated that they did not report to XXXX  nor Equifax that a bankruptcy had been filed in my name. This information that is being reported inaccurately on my XXXX  and Equifax is in severe violation of the FCRA which states that my privacy is being violated and it also states that a bankruptcy should not be reported beyond 10 years. It does NOT state that it has to remain on the report for 10 years, which is what I am being told by each rep that I speak with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just sent a letter to XXXX ( their address is on their website. ) I couldn't even get into my XXXX  OR XXXX   because whoever is using my information ( and apparently working under my SSN! ), has been doing this for awhile. Therefore, I can't answer the security questions. It has been a very long time since I checked my credit reports, and I can see there are several accounts on the Transunion credit report ( that are NOT mine. ) I am on XXXX, so I drove down to the Social Security Office and alerted them, as well. I recently found out, also, from the manager at my section 8 building, that someone has been WORKING under my SSN. Apparently, this person is somewhere in California. I am in Florida. This is when I reported it to the local SS office here in XXXX XXXX XXXX, Florida. My next move is to file a police report and alert the IRS. I couldn't get into my XXXX and XXXX  reports, which is why I'm submitting this information for help, in hopes they get alerted as to what has happened. Thank you so much for your help and time, in advance. 
Sincerely, 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 2021-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I recently checked my credit report and noticed fraudulent inquiries on my credit report.These are fraudulent accounts and need to be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation