BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00}

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 2020-07-02
Company: EQUIFAX, INC.
State: CT
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:
The inquiries on my credit report are unauthorized and should not have occurred in the first place. I have contacted the creditors and was told that they have requested the deletion of the inquiries. 

XXXX XXXX XXXX XXXXXXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX Inquiry date : XX/XX/XXXX XXXX BANK XXXX XXXX XXXX Banks XXXX date : XX/XX/XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX date : XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: CBM Services, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collection letter from CBM dated XX/XX/2020 for a medical debt that does not belong to me. Attached was an itemized bill for an account number XXXX for a patient named XXXX XXXX with the address XXXX XXXX XXXX XXXX XXXX, MI XXXX. The bill stated the patient had a new office visit, a XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and a XXXX XXXX XXXXXXXX. The doctor was XXXX XXXX XXXX, M.D. As a XXXX XXXX XXXX I know whos ever documentation this is, the fact that I have it is a breach of HIPAA and confidentiality. I ask that CBM immediately cease collection attempts against me for a debt that does not belong me. I have never been a patient of this physician, nor have I ever had a XXXX XXXX, or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened new account in XX/XX/XXXX in order to take advantage of a New Account Bonus  offer of {$750.00}. I met all qualifications for the offer and inquired into the payment of the bonus in XXXX of XXXX. I was then told that i did not use the right promotional landing page in XXXX of XXXX. I have actually worked in the XXXX XXXX for 28 years and feel better equipped than most to fill out a new bank account online. 
The fact that HSBC said i used the wrong landing page feels deceptive and i have since closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have sent " Experian '' several certified letters 120 and 90 days ago disputing the late payments they're reporting is inaccurate and needs to be corrected as I never been late on any of my accounts, also Experian has one of my accounts marked as closed when its an open and active account. Experian never responded or corrected the problem!.

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 2021-05-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
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:
I opened an account # XXXX with XXXX XXXX in XXXX XXXXIt has been 7 years too old to still be on my credit. Portfolio Management is reporting is if it opened n XXXX I would like it removed from ALL credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Experian Information Solutions Inc.
State: IL
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:
I had a car loan with XXXX and the car was repossessed in XXXX of 2015. I have requested several times to the company to have the original loan information along with all supporting documentation as far as what the car sold for and other information for my use to verify and resolve the debt but the company has not responded to any requests for the information. The information also keeps updating on my credit report to show that every month the payment was missed and is late which is negatively impacting my credit score. The company or credit bureaus have not responded to my requests to prove how the account was verified or sending the original documentation that I requested. I have been trying to get this matter resolved but XXXX is not supplying the information to me irregardless of me mailing them several requests and it is unfair that they are able to update my credit report with late payments but not send me the information that I am requesting.

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 2020-07-02
Company: LEXISNEXIS
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These addresses do not belong to me. 
XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX I have reported this issue multiple times over last three years. LexisNexis fails to correct my report. These must be removed as I am not connected to them. For the first address, I have a letter from the company that incorrectly associated my name with the address. Note that is from 2013. Feel free to share my information with the class action lawsuit against LexisNexis for failing to update information and remove information that is out of date. 

In addition to the XXXX errors above, there are multiple incomplete addresses. 

Additionally, LexisNexis fails to reasonably disclose my report. Reports are provided in an inconvenient format, including 100 duplicated entries which make reviewing the content of the report tedious. This serves no other purpose than to hide invalid and incomplete information from the victims of LexisNexis misinformation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: Oklahoma Student Loan Authority
State: DE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Today I called OSLA because my online access said their information did not match my information ( SS and DOB didn't change ). The rep who answered the phone immediately launched into a pitch about how I qualify for forgiveness under newly passed policies ( not true ). The conversation then included him encouraging me to say I couldn't afford my loan and to claim additional family members were living under my roof ( to lower my payment ) that are not residents of my home.

Ultimately he was selling me on refinancing my loan with an origination fee ( {$890.00} ) and a higher interest rate ( +2 % ) from my current rate.

This caught me off guard because I had called to straighten out an administrative thing and ended up in the middle of a high pressure sales pitch.

Agencies entrusted with servicing Dept of Education student loans should not be high pressure selling anything and encouraging fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Having spent many hours of my time in frustration attempting to enact credit reporting freezes with the three reporting companies, I am compelled to share just a small measure of my experiences. 
An attempt to create an account with XXXX online ended when I failed to answer one question correctly. I did not know the exact amount of my monthly auto loan payment. I was instructed to call their XXXX number to speak with an agency representative. My first attempt to contact them failed. During my second attempt after a 30 minute wait on hold, I answered all the Customer Service Representatives questions correctly and was told to email or fax all of the following : - Full name - Address - Social Security # - Photocopy of Drivers License - Photocopy of utility bill showing my name - Phone number - Email address Quite frankly, since they had allowed most of this information to be stolen already, I was reluctant to share even more information with them ( and esp. via unsecured means ). At this point, I do not know whether a reporting freeze has been placed, or even if I have created an account with them. 
Next, I attempted the same process with XXXX. Long story short, I was told that the cost of placing a freeze was {$19.00} and needed to be subscribed to their credit monitoring service and when I cancelled the subscriptionsomething I never wanted and was enrolled in without my knowledgethat the credit reporting with them would be unlocked, in this case after 30 days. After speaking at length with a Customer Service Representative, I felt that Id gotten nowhere. Wisconsin state law requires that a fee of not more than {$10.00} should be charged to lock or unlock. 
Today, I attempted to create an account and place a freeze with Experian. The process appeared to be proceeding smoothly until the very end when the website was verifying my identity and apparently locked up. At this moment Im not sure the freeze was placed or if I even have a login with them. 
I urge you in the strongest terms to INVESTIGATE, REGULATE AND OTHERWISE HOLD ACCOUNTABLE the credit reporting industry. Further, to prosecute and punish to the fullest extent of the law, any individuals involved in wrong doing in this fiasco. The potential damage from this mess realistically can or will have life-long consequences. Please do your part to help mitigate the damage.

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 2017-08-03
Company: TD BANK US HOLDING COMPANY
State: IL
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:
XXXX 's client XXXX XXXX is an identity theft victim. His information was used without his consent to apply for credit cards and communication accounts ; these applications resulted in fraudulent inquiries that are now listed on his credit reports. After efforts were made to notify official each of the account providers of the fraudulent applications the account providers still list the fraudulent information on the credit reports despite the issue being related to identity theft. One of the bank already provided a clearance letter confirming the issue was fraudulent and confirming they would remove the data however the information is still being reported to the XXXX credit report ; this is a violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, I opened a checking and savings account at Bank of the West at XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX with XXXX XXXX, a banker at this branch ( NMLS # XXXX ). I made an initial deposit of {$40.00} into the checking account and {$25.00} into the savings account and I was enrolled in Mobile Banking/ Online Access ; I received a debit card on XXXX XXXX after I tendered a check deposit for {$850.00} at the aforementioned branch. I spoke to the bank manager, XXXX XXXX, on XXXX XXXX and she stated that she will try to process the check on Monday, XXXX XXXX pending a 7-day hold for new accounts. XXXX XXXX called me on XXXX XXXX and she stated that XXXX XXXX will not be able to process the check deposit and thus can not remove the hold on the deposit which I took at face value. On Tuesday, XXXX XXXX, I checked my account via the mobile app and saw to my surprise that the bank took {$850.00} for funds I did not withdraw or use for purchases. I called XXXX XXXX XXXX and she stated that the bank took the funds out of my account because the check was either fictitious or altered. However, I do not understand why they would remove {$850.00} from my account for funds that I did not take out or use for purchases when XXXX XXXX stated that she can not remove the hold on the funds. She stated that she will correct the issue that day but I never heard back from her nor was I ever able to speak with her directly as they did not want to resolve this issue promptly as promised. They even blocked me from accessing my account that day so I have no way of knowing what they did to my 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 explanation
Consumer complaint received 2018-06-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
At XXXX on XX/XX/XXXX I attempted to initiate a wire out of my account to pay the remaining balance of a car I was purchasing in cash. The car was being shipped on XX/XX/XXXX so this matter was urgent as the dealership would not ship the car until all funds were received. 

I was informed by Capital One that they would not send any wires to third parties except with a title company for a home closing. I was informed that I could send a cashier 's check to be overnight through my online banking. I went to online banking, entered all the information and provided the verification code sent to my email. Each time the system would say thank you but would not send a confirmation or show activity on my account. I called capital one immediately and was informed that " looping '' sometimes happens and to change my internet browser. I did this multiple times using XXXX and XXXX XXXX but the system would still not process my check. I asked Capital One to complete this on my behalf as they could see there was a technology issue on their side and I was told they could not issue a check. They also did not have any branches that could issue a check if I went in person. 

At this point I was very frustrated as I had all the funds and security requirements to send money but the bank would not offer a wire and could not fix their system to provide a cashier 's check. I then offered to provide a seperate personal account to another bank so that I could wire funds to this account. I was told that it would take two business days to set up any new linked accounts. At this point Capital One would not wire my money to the dealership, provide a cashier 's check, wire money to my other personal account, and had no physical location for me to enter and put certified funds. Essentially I had no access to my money because of an unexplained " glitch '' on Capital One 's technology. 

It was ultimately recommended that I go to another bank and try and initiate a cash advance on my card and ask that bank to wire funds on my behalf. 

The fact that a financial institution of this size and complexity couldn't offer it's customer a wire or cashier 's check was a huge inconvenience that caused great hardship on my end. I had more than enough funds to support the transaction and there was no error on my end in terms of security or information. At the time I needed access to my money most urgently the bank would not provide the product and services that it promised. I felt completely helpless and taken advantage of and I hope that the CFPB holds this institution accountable for its inability to provide these basic services that it claims to offer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-31
Company: PNC Bank N.A.
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am the beneficiary of a checking account at PNC Bank. The account holder is deceased and I have submitted official documentation of their XXXX to PNC. 
PNC has not responded to me. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a dispute for the incorrect items on my credit report its been more then 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: Sortis Financial, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I notorized and signed a loan modification agreement with Sortis Financial on XX/XX/18 ; and Sortis signed it on XX/XX/18. The new terms are interest rate of 7.6 % for 25 years with new payment amount of {$990.00} starting on XX/XX/18. The XXXX payment was sent electronically on XX/XX/8 in the amount of {$1100.00}, the old payment amount. On XX/XX/18 an electronic payment for XXXX was sent in the amount of {$990.00}, which is the new payment. Attached is a copy of the loan modification and agreement signed and notorized by both parties, with a copy of the envelope they mailed it in. On XX/XX/18, I received a letter in the mail dated XX/XX/18 from Sortis that my mortgage had been sold to XXXX XXXX XXXX ( payments - XXXX XXXX XXXX XXXX, Tx, XXXX ; correspondence - XXXX XXXX XXXX, XXXX, CA XXXX or XXXX ), effective XX/XX/18. It says that Sortis will receive payments with respect to this loan thru the day before transfer. 
Something does not sound right regarding this transfer after the loan modification agreement. 
In addition, I received back from Sortis, the original signed and notorized loan papers, with no explanation or cover letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: EQUIFAX, INC.
State: IL
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, XXXX XXXX, also did not give your credit reporting agency written instructions to include this fraudulent information in my consumer report. Which is in violation of 15 USC 1681b- ( a ) ( 2 ) ... .... deleted the account due to the inability to verify that the information on the account is mine and accurate, yet this account is still reporting to my credit report from your company. As stated in my last letter I am a victim of identity theft, and this was reported to the Federal Trade Commission. It is to my understanding that the creditors are required to report the same information to all three credit bureaus as written under the FCRA. As a consumer I request that you provide in FULL DETAIL the procedure that was used to investigate these fraudulent accounts. If you can not do so please block and remove this account from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion responded to a previous complaint claiming they were investigating again and allow up to 60 days for a response. I noticed both TransUnion and XXXX reporting the same account ( XXXX XXXX Bank, NA ) both agencies reported inaccurate information without proof taking the word of a 3rd party.

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 2018-05-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On the first week of XX/XX/XXXX at my XXXX XXXX ( XXXX county, CA ), I tried to log on my Bank of America account via internet provided by XXXX. 
The site would not let me log online unless I answered the following questions first as they were shown on a new window that popped up : 1. Do you have double nationality 2. Are you an agent?

I was concerned and by innocence answered both questions with NO. Thereafter I could access my account information.

I log off and then tried to log on my Bank of America account again and a window appeared saying that I did not have a double nationality.

I could continue then checking my accounts information. 
This seemed to me as an attempt to gain access to my B of A account data and after some time to reflect I decided to call the Bank of America Legal Services or other proper assistance. I definitively waited too long of a time to take this action, probably a mistake. 
On XX/XX/XXXX, I called Bank of America Privacy Office ( XXXX XXXX ), and they advised that this questions were not generated by the Bank of America. 
On the same day I spoke to a bank Associate ( XXXX ) in the XXXX XXXX Branch ( XXXX County, CA ), and she also commented that she did not believe this questions showing up during my attempt to log on my online account were generated by the Bank of America. 
I am in the process of closing my checking/savings accounts with the XXXX XXXX Bank of America. 
MY concern is that there was never any contact or follow up from Bank Of America concerning the incident and it seemed somewhat negligent 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