BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-13
Company: Robert Homfeld Credit Trust
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-15
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME FRAUDULENT ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE FRAUDULENT ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE ABSOLUTELY NO IDEA AS TO HOW MY PERSONAL INFORMATION WAS OBTAINED BY THE INDIVIDUAL WHO WAS ABLE TO OPEN THESE ACCOUNTS AND INQUIRIES. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT FILE BEING DAMAGED THE WAY IT IS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE FRAUDULENT ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME.

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 2020-12-21
Company: DISCOVER BANK
State: ID
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:
RE : Discover Dispute Case Number:XXXX Dispute Amount : {$58.00} Discover Card is refusing to credit my account for items that were returned to the merchant XXXX on XX/XX/XXXX and XXXX, 2020 XXXX authorized the return of a damaged electric frying pan and sent a replacement that was also damaged. 
XXXX authorized the return of the damaged replacement. 
XXXX arranged for and had both items picked up by XXXX. XXXX XXXXs own website shows the items were picked up. 

Although both products were delivered to XXXX on XX/XX/XXXX and XXXX, 2020, XXXX failed to record the return of the replacement item and failed to issue a refund to my Discover Card. 
Due to XXXX XXXX non-existent customer service, I was forced to initiate a dispute of the charge through Discover Card in XXXX. This failed to resolve the issue In XXXX I filed a separate complaint with the XXXX against XXXX. 
XXXX finally acknowledged receipt of the 2nd item on XX/XX/2020 and instructed Discover to resolve this dispute in my behalf. 

I provided Discover with all the necessary proof they requested ( copies attached ) in the format they specified including ; o XXXX dated proof of pickup receipts for both items with XXXX XXXX delivery address o XXXX dated proofs of delivery of both items to XXXX XXXX dock o Screenshot of my XXXX account showing items had been received. 
o Copies of correspondence from XXXX agreeing to resolve the dispute in my favor Discover has failed to consider these recent developments and has failed to contact XXXX on my behalf to resolve the dispute. 

Discover Card is ignoring conclusive evidence and ignoring XXXX 's instructions to resolve the dispute in my favor Discover refuses to credit my account in spite of the conclusive evidence that both items have been returned and XXXX XXXX instructions to resolve the dispute in my favor Neither I nor XXXX believe I should have to pay for an item I returned. 

I require Discover to remove the charge of {$58.00} from my Discover Card account. 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-21
Company: PNC Bank N.A.
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Well I have been working with POC listed below XXXX XXXX on this refi request with PNC. It was started in XXXX/XX/XX/2020 and we are now in late XX/XX/2020 for an ERRL, that is still not completed? It is Going on over 6 months now. I have an existing VA mortgage with PNC and they have not done anything after calling several times. 
It has been a waste of my time. 

Reference Number : XXXX PNC, XXXX XXXX XXXX, XXXX, PA XXXX ; pnc.com XXXX XXXX  XXXX Mortgage Loan Officer Home Lending Center NMLS # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: Experian Information Solutions 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:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report. XXXX XXXX XXXX {$28000.00} XXXX XXXX   XXXX {$140000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: TRANSUNION INTERMEDIATE 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-01
Company: GOLDMAN SACHS BANK USA
State: WV
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Marcus by Goldman Sachs refuses to transfer my money to any other bank. I've called them 4 times and finally spoke to the Fraud department. He asked to verify my Driver license number and I gave it to him. He said it's wrong and he refused any other assistance and hung up on me. I am completely unable to access my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I noticed this company reporting multiple debts on my credit report. I don't know who this company is or even engaging in any business with them. I asked them to verify who they are, which contract I signed for what good or service which they provided to me and dates. They have yet to send me any valid information or method of such.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I seen a debt collection show up on my credit I immediately called to see what it was pertaining to. When I realized I owed the debt I paid it immediately {$550.00} To date I still have this on my credit report I have never received a paid in full letter and this is hurting my credit and stopping me from getting a car loan

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: Convergent Resources, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and XXXX Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only  be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

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 2020-07-17
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX/XXXX  XXXX Automobile Dealers, Used Auto Financing Companies Inquiry date : XX/XX/2020 I let Experian know they told me to contact the company I wrote a letter its been over 40 days no response According to the Fair Credit Report Act its been over 30 days Experian is not helping me I wrote them a letter as well thank you 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 2021-09-02
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Experian is inaccurately reporting information to my credit report I disputed inaccurate student loans an eviction and a auto thats way out of the statue of limitations and they dont respond Ive sent countless letters to them student loans show different dates everything is inaccurate and should 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
Consumer complaint received 2022-08-12
Company: Experian Information Solutions Inc.
State: MN
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2021-04-03
Company: BAM Management US Holdings Inc.
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Binance.US 5000.00 Account frozen No customer service or contacts Around XX/XX/XXXX deposited Around XX/XX/XXXX account frozen refuse to reply After sending all documents, photos and documents requested/ still locked Went online can see now problem issue is all over social media Have ticket number from an auto zen desk response via their website but its useless just auto response loop

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio Recovery has been harassing me and showing inaccurate information on my Credit report. I've sent sevral letters to dispute this error situation but they continue to report the wrong information! XXXX amount they say I owe {$2700.00} on XX/XX/XXXX, XXXX another amount they say I owe {$2700.00} on XX/XX/2017 and on another amount of {$2300.00} on XX/XX/2017. Portfolio recovery has been reporting information and is trying to collect1

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: LoanCare, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020, LoanCare failed to make our property tax payment of {$7500.00} from our escrow account. This mortgage was sold to them from XXXX XXXX  in XXXX of 2020. It is a month overdue and has accrued a 10 percent late fee since XX/XX/XXXX. On XX/XX/2020, LoanCare promised to rush this problem and pay all taxes and subsequent penalties. Nothing has been paid to date. Our county has now threatened a lien against our property. This company should not be in business.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Early Warning Services, LLC
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Puppy purchase. XX/XX/2023. Seller named XXXX. Phone number XXXX. Exchanged phone calls and text messages. Was instructed to pay via Zelle to email address : XXXX under the name XXXX XXXX. I made the payment as instructed. The Zelle record matched the information I was given by the seller ( XXXX ). My Zelle transaction number was XXXX. XXXX let me know he did not receive my payment and instructed me to cancel this payment and send payment to a different email address ( XXXX, name=XXXX ) XXXX I contacted XXXX XXXX and was told it is impossible to cancel a Zelle transaction. XXXX proceeded to tell me that these email addresses are temporary and are only valid for limited periods of time. I filed a dispute with XXXX XXXX and the transaction is under investigation. I filed a complaint with Zelle as well. I do not know the status of the complaint I filed with Zelle. The Zelle feature is built into and included within my XXXX XXXX app on my phone. If Zelle transactions can not be reversed, verified as valid accounts, etc., I don't think XXXX XXXX should encourage use of same.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In accordance with the fair credit reporting XXXX  act # XXXX violated my rights. 15 U.S.C. 1681 section 602 A. states I have the rights to privacy 15 U.S.C. 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an 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 2020-07-17
Company: Account Resolution Corporation
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and XXXX  Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due  process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX I was laid off due to the COVID19 shutdown. I work in a XXXX  XXXX  in a XXXX  in XXXX XXXX. My boss says I will not be returning back to work until possibly XXXX or later. Unemployment is running out next week and I have no idea how I will pay my mortgage with a XXXX wife. I am in Forebearance with Wells Fargo but I have been paying every month since I am receiving unemployment. I asked/pleaded with Wells Fargo to put a few months payments to the back end of the mortgage like most other banks and mortgage companies are doing. Hopefully by the end of the year I will be back to work or find another job and can resume paying. Why is it only Wells Fargo has no program to help customers during this crisis. I did not ask to be laid off or lose my job thru any fault of my own. Wells Fargo gets away with a lot of bad dealings with consumers and then gets a slap on the wrist by the Federal Banking authorities and continues their crooked ways while the people that are supposed to look out for us are handed wads of cash by lobbyist to look the other way until it becomes a disaster. Then you have to throw a little fine their way. Please for once take care of the little guy. Me and many others will lose our homes due to a ridiculous government response to a flu. If you have any heart please, please force them to help consumers. Their billion dollar customers are getting loans from you and i can't get a month 's help paying my mortgage.

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 2022-11-04
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I recently checked my credit report and found items on my credit report that don't belong. 
the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX there are also inquiries that i noticed that do not belong XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also noticed that there is a incorrect address on therewhich XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation