BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I do have a letter from XXXX as the data furnisher stating they have " REMOVED '' the bankruptcy from my report. also I have a letter from the bankruptcy court stating they do not share or verify information with credit report agencies. So please either provide me with the method of verification you used in your verification process or remove this bankruptcy from my credit file to not being in violation with the FCRA.

Ask the data furnisher XXXX or the bankruptcy court. and provide me with all the verifying process details, such as the person 's name who you have verified with, their address and phone number. 

I am providing you with a copy of the bankruptcy court stating emphatically that they do not share or verify information with any third party such credit report agency. so the response i received from Experian claiming they have verified with XXXX is a big lie, they are violating the FCRA.

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 2018-09-21
Company: National Commercial Services, Inc
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Complaint against National Commercial Services XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Ca XXXX Toll Free : ( XXXX ) XXXX Telephone : ( XXXX ) XXXX FAX : ( XXXX ) XXXX NCS was withdrawing {$100.00} from joint back account for a year. When my relationship ended with that person he called NCS to change the bank account information that the funds were withdrawn from. NCS continued to withdraw {$100.00} from my account and refused to work with me to get the issue resolved. They maintained the payment was returned non sufficent funds, which was not the case as I have bank statements to prove other wise.

I attempted to talk with XXXX  who was rude, said he doesn't need to talk to me, and when I requested a supervisor he refused. NCS does not attempt to work with people when they have made an error and will not allow you to speak with a supervisor.

By them taking this money when they were not supposed to, it caused my mortgage payment to bounce and incur additional fees. I also lost time at work having to be on the phone with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I opened an account with Huntington Bank online, because they offered a generous bonus for account opening.

Their web site does not allow electronic transfers from an outside account, although there is a link for it. I tried several times over a period of a week or so, but it never worked.

I phoned the bank and the rep said that that function hasn't been working for a long time. She seemed very inexperienced and I felt uncomfortable and I told her to close my account.

I recently received a bank statement in the mail which showed that the account was still open.

CFPB should investigate this bank. I suspect a scam because : - Generous account opening bonus shows a desperate need for quick funds - Customer service rep didn't seem to know what she was talking about - Web site did not work for one of the most basic and necessary functions ( transfer funds ) - They did not close my account as I requested

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I tried to close my CD account with Goldman sach bank Account num XXXX I was asked for more penalty than the interest I earned from the CD.

This is unfair how can they charge me more than interest earned from the CD.  My Principal is FDIC secured. So basically if they charge me more they are reducing my principal which is already secured.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
This account suddenly reported on my credit and I have no idea what it is as XX/XX/2021 has been paid so this can not be truly a XX/XX/2021 bill as well as I have not received any notification in writing of a debt and it was placed on my credit without my knowledge which violates my rights according to the Fair Debt Collection Practices Act ( 15 USC 1692g Sec. 809 ( b ). I have not been contacted by this office by any forms. Furthermore, they are reporting a debt that has been paid and also in order to attempt to collect a debt in the state of SC a collection agency must be licensed and bonded. This collection agency is NOT licensed NOR bonded in my state which violates the law in State of SC. I request this illegal collecting CEASED and DESISTED immediately and removed off my credit as it is not valid plus illegal collection activity.

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 2018-09-21
Company: EQUIFAX, INC.
State: GA
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 contacted XXXX XXXX XXXX two months ago to request that my credit report be updated from charge off collection/skip status effective XX/XX/XXXX to correctly report account as included in chapter XXXX bankruptcy that was filed XX/XX/XXXX. The XXXX XXXX account on report was corrected about a month ago but this month the account is again showing charge off collection/skip status, which is violation of chapter XXXX bankruptcy stay of creditors. 

Although again attempting to resolve this issue, XXXX advised me to once again dispute with Equifax ( copy of email attached ). I have disputed online previously with no success -- only XXXX was able to update report couple months ago. This same issue has occurred with two other creditors as well and ONLY with Equifax, not the other credit reporting agencies. Equifax continues to change accounts that have been included in my ACTIVE bankruptcy for nearly five years to charge off/collection status, which has been VERY INFURIATING. If my Equifax report continues to show unlawful information for accounts included in my bankruptcy case, I will be filing a lawsuit for violation of Fair Credit Reporting Act and violation of Federal Bankruptcy automatic stay statutes. Enough is enough!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: Healthcare Management, LLC
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX I sent a certified letter to a-1 collections to validate two accounts that they have placed on my credit report. They have not responded to me, yet they updated the credit bureaus showing the account has been disputed. I do not believe I owe this money and I never received any collection notice from them. 
Ive included a copy of my credit report showing both accounts and the certified letter that was mailed to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The Account Opening date is inconsistent across the credit bureaus. 
Account Type is inconsistent across the credit bureaus.

Account Status is different across the credit Bureaus It reports as open and closed at the same time.

Date of last payment is inconsistent across the bureaus.

Date the account was last active is different across all credit bureaus.

Account Balance is different across all bureaus.

The high credit limit is different across all the credit bureaus.

Account is erroneously reporting 30 date late payment on XX/XX/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 2018-02-14
Company: CITIBANK, N.A.
State: TX
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:
This is the second complaint about this case. XXXX is the number of the first one. 

All the documentation pertinent you already have it under the first complaint. However, I am including two attachments that clarify what they stated about a charge for {$57.00} at XXXX XXXX XXXX that is not in XXXX, TX but in XXXX XXXX, TX as XXXX XXXX states on her letter. 

By Citibank saying that the card was in my possession at all time does not solve the charges. Not sure how can they not see that these are FRAUDULENT charges. They should continue investigating. They should ask for surveillance cameras to the gas station, statements from the bank restaurant so they can actually be proving that it was me who made the charges. They simply decline my request, because they can NOT PROVE THOSE CHARGES ARE MINE and their easy way out is getting their payment from me. I did not make those charges.

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 2021-06-30
Company: DISCOVER BANK
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:
Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The late payments you have reported to the three credit bureaus.

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the 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 2017-08-12
Company: EQUIFAX, INC.
State: PA
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 have a credit card with this XXXX XXXX XXXX been a member since XX/XX/XXXX. On XX/XX/XXXX, I paid the balance off totaling {$2400.00}. Checked balance via online bank website in XX/XX/XXXX and balance stated {$0.00}. On XX/XX/XXXX, received a alert XXXX XXXX stating I was late making payments for the month of XXXX, XXXX, and XXXX to XXXX XXXX card. Contacted them the same day and was told that this was caused by a computer error and my account is {$0.00}. I told the client service represenative because of their computer error my credit was affected by it, I was told to just dispute it with the credit bureaus and since they fixed the error it would be fixed on my credit. XX/XX/XXXX - disputed that I was never late with XXXX and Equifax XX/XX/XXXX - Disputes were completed and XXXX did not change anything and XXXX reported to the credit bureaus that it was accurate. Called the XXXX and was told the same thing that I was told on XX/XX/XXXX and was also told to contact their member solution dept. Disputed it again with both bureaus. XX/XX/XXXX - Sent a instant message through the online bank website in regards to my issue. XX/XX/XXXX - Received a message for a XXXX stating " I apologize for any issues you have had with your Visa Card. I reviewed your account and on XX/XX/XXXX your account was adjusted to remove the late charge. You should n't receive any more late notices. Your Visa is paid off. Please let me know if you have any other questions or concerns. '' XX/XX/XXXX - Disputes were completed and XXXX did not change anything and XXXX reported to the credit bureaus that it was accurate. Sent a instant message back to XXXX stating that my credit report did not change and was still stating that I was late for XX/XX/XXXX and XX/XX/XXXX. XX/XX/XXXX - disputed again with all three credit bureaus XX/XX/XXXX - checked XXXX  online bank message for a reply, no reply, sent another one. XX/XX/XXXX - Sent an email to their member solutions dept. about the situation and as of XX/XX/XXXX no response from the bank. Filed a complaint to the state attorney generals office. XX/XX/XXXX - the false late payments were removed from my credit report. XX/XX/XXXX - late payments are back on my cedit report, which is adfecting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-12
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a credit card with this XXXX XXXX XXXX been a member since XX/XX/XXXX. On XX/XX/XXXX, I paid the balance off totaling {$2400.00}. Checked balance via online bank website in XXXX and balance stated {$0.00}. On XX/XX/XXXX, received a alert XXXX XXXX stating I was late making payments for the month of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to XXXX XXXX card. Contacted them the same day and was told that this was caused by a computer error and my account is {$0.00}. I told the client service represenative because of their computer error my credit was affected by it, I was told to just dispute it with the credit bureaus and since they fixed the error it would be fixed on my credit. XX/XX/XXXX - disputed that I was never late with Transunion and XXXX XX/XX/XXXX - Disputes were completed and XXXX did not change anything and XXXX reported to the credit bureaus that it was accurate. Called the XXXX and was told the same thing that I was told on XX/XX/XXXX and was also told to contact their member solution dept. Disputed it again with both bureaus. XX/XX/XXXX - Sent a instant message through the online bank website in regards to my issue. XX/XX/XXXX - Received a message for a XXXX stating " I apologize for any issues you have had with your Visa Card. I reviewed your account and on XX/XX/XXXX your account was adjusted to remove the late charge. You should n't receive any more late notices. Your Visa is paid off. Please let me know if you have any other questions or concerns. '' XX/XX/XXXX - Disputes were completed and XXXX did not change anything and XXXX reported to the credit bureaus that it was accurate. Sent a instant message back to XXXX stating that my credit report did not change and was still stating that I was late for XX/XX/XXXX and XX/XX/XXXX. XX/XX/XXXX - disputed again with all three credit bureaus XX/XX/XXXX - checked XXXX  online bank message for a reply, no reply, sent another one. XXXX/XXXX/XXXX - Sent an email to their member solutions dept. about the situation and as of XX/XX/XXXX no response from the bank. Filed a complaint to the state attorney generals office. XX/XX/XXXX - the false late payments were removed from my credit report. XX/XX/XXXX - late payments are back on my cedit report, which is adfecting my credit score.

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 2018-09-21
Company: Servis One, Inc., Titusville, PA Branch
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My Formerly VA backed home loan was apparently sold several times and most recently it is being serviced ( Very Poorly ) by XXXX XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX18 I received a demand that XXXX demanded a certain amount of money to be paid directly to them at an address in XXXX? i called over 45 times and was given the run around, after filing a complaint they finally  contacted me giving me so many lying stories I could not keep up with the changing stories. 

As i learned XXXX has massive complaints, suit, and pending litigation for the same reasons i have complained they have changed the loan to ask for more fund and they demanded I use there insurance company, in short they are trying to defraud me and the US Banks and Government. 

I pay all my own homeowners Insurance as well as my property taxes all a year in advance and i have NO escrow account and they are trying to force one I have never agreed nor would i, I have demanded several times a full and complete AUIDT and LPO. I have never ever received my audit requested results, until i got a full audit I can NOT and Will not be threatened or forced to pay something i do not OWE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX : XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following Items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven vears. 15 U.S.C. 1681s-2 ( A1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2021-11-01
Company: PNC Bank N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
BBVA has not provided me with a closing statement with my available funding for the month of XXXX, and XXXX and they're claiming that I had {$15.00} in my account when in fact, my available balance should have been around {$3000.00}. There are multiple laws that they broke during this process and I'm suspecting fraudulent activity within BBVA bank 's system since they're not providing me with clear story of what happened, nor has given me closing statement balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
A vehicle loan with XXXX XXXX was paid off TWO and HALF months ago and it's still on all 3 Credit bureaus! I've called XXXX and emailed them. I found out because I was denied credit on another loan because of incorrect debt. The Credit Bureaus/Banks NEED TO BE REINED IN on correct AND TIMELY credit data! 

Experian took NO RESPONSIBILITY although they have a " dispute '' resolution system. They state, at best, THIRTY DAYS to correct errors!?? DO I GET 30 days?? 

NEW LAW ( S ) /REGULATIONS NEEDED : 1.Credit Bureaus ARE NOT to tell citizen WE have to make Lender correct errors THEY REPORT! They report as 'gospel ' what Lenders send them! ONCE citizens report PROBLEM, The Big Three >>>MUST<<< CORRECT It! 

2. BUREAUS/BANKS FINED and portion goes to CITIZENS for such as above! WHY should WE have to do all this battle when we're WRONGED?? NO ONE should have to HIRE a LAWYER to fight issues as above. BIG FINES ( Equal to initial loan amount misreported goes to Citizen!!!! ) would negate court delays and GET ATTENTION of bureaus and banks that make Billion $ AT CITIZENS ' EXPENSE! 

3.DO IT ASAP! Every day I am SURE similar is happening to everyday people who have to fight this on top of trying to live their own lives.

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 2021-06-30
Company: EQUIFAX, 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:
I disputed an account reported by your company in the file you maintain under my social security number. I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. In accordance with the requirements of the FRCA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing 5 business days. I hereby demand that you immediately delete the negative items from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney General 's Office and the XXXX. Please govern yourself accordingly.

Company response to consumer: Closed with explanation