BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-16
Company: WELLS FARGO & COMPANY
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company, which I hold no contract with nor have received services from, reported a collection amount against my SSN in the amount of {$1300.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested verification and validation of the debt, including a wet signature on the document of my alleged debt, however, the business failed to provide adequate proof. Considering this business does not have a signed contract with me for goods and services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

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 2017-08-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
I had a second mortgage with Bank of America that was forgiven under a settlement and I had read that it should show on my report as paid and closed I received a letter dated XX/XX/15 this was going to happen. When I tried to refinance with my mortgage company they said it showed on my report as a short sale which created a big issue. Also when I get my free reports I do n't even see it on there but XXXX XXXX saw it. I need to get this fixed so it says paid and closed and not as a short sale or I will continue to have this issue. Thanks

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 2023-10-12
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and 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 2023-03-16
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I closed my High Yield Savings Account at PNC Bank since I had two identical or very similar accounts and the FDIC insurance would not have covered both of them individually. 

I closed the account on XXXX/XXXX/2023 - XXXX 

I asked PNC to transfer the proceeds to my other Savings Account within PNC. 

They closed the account and ate up my accrued and unpaid interest. 

I asked them yesterday ( XXXX/XXXX/2023 ) as well as today ( XX/XX/2023 ) to pay my accrued interested and they said they will just forfeit it. 

It was hundreds of dollars in interest that they just ate up and never informed me about it while closing the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21
Company: FIRST NATIONAL BANK OF OMAHA
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2019, I completed a Balance Transfer request with First Bankcard for {$850.00}. The offer was for 6.99 % fixed APR and a transfer fee of the greater of {$10.00} or 1 % of the balance. On XX/XX/2019, they provided a statement to me indicating that I had been charged the {$10.00} fee and {$1.00} for the minimum interest charge. Additionally, the statement indicated that I still had AutoPay on to pay the full statement balance. At some point after the statement was released, but prior to a week before the AutoPay was supposed to happen on XX/XX/2019, I changed my AutoPay selection to pay the minimum payment instead. I believe that this was done immediately after seeing the statement, but I did not receive any confirmation when I changed the AutoPay option. However, on XX/XX/2019, my checking account was still debited for the full statement balance. I contacted First Bankcard on XX/XX/2019 after I noticed the full statement balance had been incorrectly debited from my account. They were not able to resolve my complaint.

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 2015-12-16
Company: On Q Financial
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
I am currently in the process of selling my home and we were supposed to close escrow this week. The buyers had a loan contingency that was signed off early XXXX so we did n't anticipate any issues. Last week the issues began with their loan officer. We found out today after several days of back of forth and little to no communication that their loan in short was no good and they could not proceed with purchasing my home.. The loan officer was the cause of the mistake as she did not do her job thoroughly not only causing me to lose a buyer on my home but also the purchase of my replacement home. The buyer 's loan officer also displayed poor work ethic and refused to answer my realtor or their realtor 's email, text and phone calls. They basically had to harass her continuously to get short XXXX line or vague answers. We still have not gotten to the bottom of everything as she is refusing to give us information and from my knowledge will not give up the file to another loan officer that is experienced in this whole situation. As of today all I understand is that the buyer ( who signed off the loan contingency ) does not qualify for a conventional loan and they are still waiting on the XXXX loan as the loan officer failed to be thorough with the process and more skeletons such as a foreclosure came up. We tried to file a complaint to the branch but come to find out she is the branch MANAGER so we would get nowhere with her. I even had to send her an email to try to get answers and it fell on deaf ears. Personally I would like her to be reprimanded as high as I can go as this is not fair. I lost our dream home because of her and we lost our buyer on our home. Please contact me ASAP so I know the next process to take. 

Loan Officer this complaint is regarding XXXX XXXX, On Q Financial Senior Loan Officer NMLS # XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law DEPT OF ED/XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, DEPT OF ED/XXXX XXXX Date opened XX/XX/XXXX Balance {$2800.00}, DEPT OF ED/XXXX XXXX XXXX opened XX/XX/XXXX Balance {$2300.00}, DEPT OF ED/XXXX XXXX Date opened XX/XX/XXXX Balance {$240.00}, DEPT OF ED/XXXX XXXX Date opened XX/XX/XXXX Balance {$460.00}, DEPT OF ED/XXXX  XXXX Date opened XX/XX/XXXX XXXX {$4600.00}, DEPT OF ED/XXXX XXXX Date opened XX/XX/XXXX Balance {$2800.00}, and DEPT OF ED/XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}. 

If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

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 2017-08-22
Company: EQUIFAX, 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 information incorrect

Complaint:
I was shocked when I reviewed my credit report and found a late payment on the date below : CREDITOR : XXXX/XXXX XXXX Account # : XXXX I was never late 30 days in the month of XXXX 2017. I have always made my payments to you when I received my statements. I am not sure how this happened. I believed that I had made my payments to you. My only thought is that there was a billing error with my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
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:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. 

Experian : XXXX XXXX XXXX- XX/XX/2022, XXXX- XX/XX/2022, XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022, XXXX XXXX XX/XX/2022, XXXX XXXX XX/XX/2022, XXXX XXXX XXXX- XX/XX/2022XXXX XXXX XXXX XX/XX/2022, XXXX XXXX XXXX- XX/XX/2022

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 2019-07-21
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: Information belongs to someone else

Complaint:
I was advised to reach out to you guys regarding two accounts on my credit that are not mine XXXX XXXX  XXXX XXXX and XXXX XXXX. I have tried all I know to get this taken off and the attorney guy thats on the billboard in my building said he can help if need be after reaching out to you. There is also an inquiry XXXX  XXXX XXXX  on my credit and I dont know anything about that. I own my home so why would I need to rent anything thats the purpose of buying a house.

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 2021-09-23
Company: Phoenix Asset Group LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/XXXX a company called XXXX XXXX XXXX emailed me regarding an account and it's balance stating they represent a Phoenix Asset Group. They stated they were going to report me to the credit bureaus if I didn't pay them. I replied back immediately letting them know that I send money every month on the XXXX of the month to the original company and the checks are being cashed and not return which means someone is keeping the money. I asked the XXXX company to apply the money to there records and ensure it reflecting the correct amount. They instead sent another email stating the same thing on XX/XX/XXXX and again on XX/XX/XXXX eventhough I just sent them a payment on XX/XX/XXXX via my bank and they accepted it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21
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: Information belongs to someone else

Complaint:
I've been a victim of identity theft. I did not Authorize this Account.

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 2023-09-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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 urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21
Company: Freedom Mortgage Company
State: WA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Fees or costs during the application process

Complaint:
I am dealing with Freedom Mortage Co. P.O.C ; are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This " Refinance '' process started back on XX/XX/2023 and as of XXXX XXXX, XXXX I have elected to withdraw from the loan process due to imposed financial burden from Freedom Mortage Co. Due to misleading loan information not disclosed from the start, false and inaccurate information provided from the Appraiser, continuous requirements after submitting the necessary documents. Not disclosing from the very start what is expected or may be required of me for this loan process. Finally they ( FMC ) gave me a deadline as to when the loan process would end, which is XXXX XXXX XXXX, and with all the additional requirements they have imposed, I can not meet the financial burden in which they have added. Repairing any structures would deviate from the Refinance loan, since the loan purpose is to renovate and upgrade.

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 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am a victim of identity theft and I have tried to contact the credit reporting agencies. They are not processing my disputes correctly and not attaching my FTC reports to the disputes. I have asked for copies of the verification process and never get them.

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 2022-05-30
Company: TRUIST FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I opened a Truist Bright Checking account on XXXX XXXX on XXXX XXXX I mobile deposit a check to my account on XXXX XXXX my account login was locked I Never received a call from the bank at all, I only received a letter stating that my check that I deposited was on hold for 7 days until check clearOk On XXXX XXXX I received a bank statement that shows the Bank received my deposit because the bank received {$87.00} from my deposit from overdraft fees and to this day I still dont have Assess to my account I have called the bank 5 times still no answers from the Bank .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Rash Curtis and associates are not only unethical in their practices, failing to communicate in writing, threatening to 'sue ', 'damage my credit ' and/or poor accounting/booking practices. 
As of XX/XX/XXXX they have reported a COLLECTION of {$370.00} dated XX/XX/XXXX, on behalf of XXXX XXXX XXXX to credit bureau companies. Not only is this not a valid collections this account was closed in good standing. This error had been previously resolved with Rash Curtis & associates, in which they reported to me as 'resolved ' yet due to their poor booking practices and poor customer skills they internally mishandle accounts and now, 6.5 years later they are reporting this to the credit bureaus. 
This reporting is to my surprise as I have not received any information from them neither via phone or mail In XX/XX/XXXX due to their poor booking practices and false credit bureau reporting. I contacted Rash Curtis and associates to resolve issues in response they sent me an itemization of account in which it included XXXX XXXX XXXX as paid in full transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: Experian Information Solutions Inc.
State: MD
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 was lead to check my credit report during the time I started to work towards purchasing a home. I found that XXXX XXXX XXXX was reporting for an unpaid debt and sold to a third party collection company. The original creditor refused to even speak with me in regards to this account and referred me to the the third party agency. After contacting the collection agency, I found that this account was established by my mother ( who is now deceased ). Ive sent proof that I was not responsible for this account. During the investigation, I requested information pertaining to this debt to no avail. Since the investigation, Ive decided to settle on this debt due to the hinderance in the process of purchasing a home, however, Ive since disputed both creditors and have yet to receive any supporting documentation pertaining to this debt.

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 2018-02-06
Company: FIRST NATIONAL BANK OF OMAHA
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I paid my credit card account off with the First National Bank of Omaha on XX/XX/XXXX by paying online from my debit account the amount of {$26000.00}. I then made an additional payment of {$1200.00} on XX/XX/XXXX XXXX out my account. I paid the card off before the end of the month but was still charged interest for the purchases I made for the month of XX/XX/XXXX after my account had a XXXX  balance. I called the bank the day before I made my initial payment and was told that I could not receive a payoff amount because they didn't know what I'd purchased. After the additional interest charge of {$100.00}, I called the bank and asked to speak with a supervisor and was told that because I didn't ask for a payoff, I was billed the additional interest. I was eventually forced to pay the additional interest on XX/XX/XXXX for the full amount. I was not allowed a minimum payment. The bank mailed new credit cards to me and I sent them back with a note that I would not be using their credit cards. I had no intention of getting into this type of debt again and had decided to leave the account open, since I'd had this card since XX/XX/XXXX and had an excellent payment history, but not use it unless I had an emergency. I made absolutely no request to close my account nor did I sign the notation. As a card holder, I have every right to refuse additional cards. The bank, during a conversation that I have taped, said that I inferred that I wanted my account closed, closed the account, and refused to reopen it when I spoke with them. They acted in bad faith by refusing service to me for an account in excellent standing and closing my account without my permission.

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