BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-30
Company: LoanCare, LLC
State: CT
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I have 2 issues with XXXX loan company ( myloancare ). 
# 1 The mortgage loan was transferred from XXXX XXXX XXXX in XXXX ( i think ). When XXXX acquired or purchased the mortgage, they made a mistake on the house number which is XXXX, and they have it as XXXX, which is incorrect! I have been trying since XX/XX/2020 to have this corrected. I sent them an email after reaching someone on the phone there named XXXX who told me how to email and send documentation of the correct house number. So I sent a copy of a tax bill with an email explanation to the email address she gave me. NOTHING has happened! I have also gone through their website after creating an account and asked for action on this problem last week and this week, but I get no call-backs. Only a recorded phone call asking me to call, and then a message about COVID-19 and problems with making mortgage payments and how to apply for help.

# 2 A property management company is paying the mortgage as  they are handling the rental since I am in CT and my house ( which I want to move into in a month ) is in CA. I am also trying to get XXXX loan company to contact XXXX XXXX because they mailed the last mortgage payment with the ticket on XX/XX/2020 and it has not been received. I have given permission for XXXX to communicate with XXXX through XXXX on my account. XXXX can not issue a new check without talking to each other, and XXXX is not responding. Needless to say I am very frustrated with both issues.

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 2020-05-30
Company: PNC Bank N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2020, at around XXXX-hours Eastern, I attempted to sign-up for an XXXX account. A part of this process was linking my PNC Bank account. The effort failed, with XXXX stating that " PNC has made a change that prevents you from being able to link your accounts ''. No call from Fraud Protection. Other than an automated email saying that received the request, no communication at all. This is my account, I provided valid credentials for XXXX to access it. It's not up to PNC to decide if I can, or can not, access my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft, I do not nor have i ever owned a XXXX  credit card

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 2020-05-30
Company: Financial Business and Consumer Solutions.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
FBCS Consumer contact solutions, a debt collection company in Pennsylvania at XXXX XXXX XXXX XXXX, XXXX XXXX, in XXXX, PA XXXX sent me a letter about an old medical debt from 2012 ( I live in Ohio, so the statue of limitations, per my understanding, for medical debt in my state is 6 years ). I disputed this debt way back then, as per my insurance at the time I should not have had to pay anything. Suddenly, 8 years later I receive this collection notice. The acct # is XXXX and the original creditor was XXXX XXXX XXXX XXXX, and that original acct # is XXXX for the amount of {$620.00} ( which is an incorrect amount, as the amount they originally tried to charge me for was {$500.00} something, which I disputed almost a decade ago ). I just want to make sure this company FBCS doesn't attempt to ding my credit score ( which, per my understanding, they can not do on a debt this old ), or illegally attempt to take me to court ( which would result in them violating Ohio collection laws, per the statue of limitations on these kinds of debts, and most likely result in a counter lawsuit for punitive damages ). I've gone through the CFPB before on things like this, and the CFPB can usually nip these things in the bud before they escalate. I also sent a request to FBCS disputing this and requested an itemized statement, which they failed to provide. Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent a letter to Equifax on XX/XX/2020, about unauthorized and inaccurate inquires on my credit report. It has been over 2 months and I have not received a response from anyone. I feel like my dispute letters are being ignored. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days, these items should be deleted immediately. Please have the inaccurate/invalid accounts be deleted immediately or I will file for litigation due to the stress this is causing me. In the next couple of months I am planning on making a big purchase for my family and having my credit score go up would definitely save me a lot of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
My complaint is with Trans Union not getting my credit report correct!!! Ive been trying for months!!! I filled bankruptcy in 2019 and was discharged XXXX  2019!! I keep 2 joint credit cards with my wife!! XXXX  XXXX XXXX and XXXX XXXX which Both are open and upto date, NEVER CLOSED!! Ive got those onXXXX but cant seem to get them Both on Trans Union. If you could help, Id greatly appreciate that THANK 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 explanation
Consumer complaint received 2020-07-29
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have sent multiple letters to Equifax since they are the only ones reporting the inquiry from XXXX  dated XX/XX/2019. I asked them to remove this from my report as I never authorized XXXX  to run my credit file but after so many dispute letters, this inquiry is still on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I don't owe them anything ; I keep getting emails from these people from time to time. I never get any calls. etc. but every now and then I get these crazy emails and it needs to stop. Again, I never took a pay day loan from them. 
XXXX Re : ARREST WARRANT ISSUED_REFERENCE-CASE FILE NUMBER : XXXX XX/XX/XXXX at XXXX XXXX PrintRaw message Ms XXXX To : ACE CASH EXPRESS XXXX okay, I'm forwarding this email over to FCC, other government officials and the internet crime center, etc. I already contacted the attorney general office for my state, the state police as well as the local police. 

On Tuesday, XX/XX/2020, XXXX XXXX  EDT, ACE CASH EXPRESS XXXX wrote : ARREST WARRANT ISSUED CASE FILE DOWNLOADED LAWSUIT COST - {$2500.00} ( INCLUDING ATTORNEY FEE/COURT FEE/ALL TAXES ) LAST DATE TO FILE LAWSUIT TODAY SETTLEMENT AMOUNT- {$300.00} ( ONE TIME PAYMENT ) This is in reference to your Case File Number # XXXX with ACS ( ACE CASH SERVICES ) in order to notify you that after sending several emails and making calls to you on your phone number, we were not able to get hold of you. So the IC3 ( Internet Crime Complaint Center ) has decided to mark this case as a flat refusal and press charges against you. 



Your account with XXXX is in Final Collections. According to our records, your outstanding balance was {$690.00} It may be possible that you may have some financial hardship with you. 

So, we are just giving you a last chance that if you just make a payment of {$300.00} by today then we will close this account as paid in full with XXXX balance. 



We do hope that you will work out with this offer. 

Or, else we won't be able to help you out. 



Do revert back if you want to get rid of these legal consequences and want to make payments within the next 48 hours or else the case will be downloaded against you. 



The opportunity to take care of this voluntary is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action. 



You can avoid this by taking care of this now. 



It is quick and easy : Do reply us right now and provide us the date on which you can make the payment. 



If you do not take immediate action : We will be forced to download this case against you and once it is downloaded the creditor has entire rights to inform your employer regarding this and if you are found guilty under the bench of jury then you have to bear a law suit which will be amounting to {$4500.00} and will be totally levied upon you and that would be excluding your bail charges, your attorney charges and the due amount pending on your name {$690.00}. 



Thanks for being our customer, Best Regards, XXXX XXXX Customer Service Manager, ACS United States

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX and TransUnion have been reporting these fraudulent accounts under my name XXXX XXXX XXXX  XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  XXXX  XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX  XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # 4 XXXX  XXXX XXXX  XXXX  is fraudulent on my credit Account # XXXX XXXX  XXXX  is fraudulent on my credit Account # XXXX XXXX  XXXX  is fraudulent on my credit Account # XXXX XXXX/XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX XXXX  XXXX XXXX is fraudulent on my credit Account # XXXX XXXX/XXXX  XXXX  is fraudulent on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX  XXXX/XXXX  is fraudulent on my credit Account # XXXX XXXX  XXXX/XXXX  is fraudulent on my credit Account # XXXX I didnt benefit, apply for, and authorize these accounts

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 2020-05-30
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I usually pay this credit card in person at the store, and due to the COVID-19 Pandemic it was not possible. The website is not working, and when I log in it tells me that my user and password are not valid. After repeated attempt, I submitted my payment over the phone the same due date. After paying my balance in full on the due date, the next day I was charged a late payment fee with interest added. My previous balance {$37.00}, paid in full, assessed late fee of {$27.00}, and added interest of {$1.00}. 
The online website is not user friendly and does not easily allow me to sign in and pay online, I explained the software system problem to Victoria 's Secret credit card and spoke to all those in charge about this system problem and all of them refused to help me. 
Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: World Acceptance Corporation
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
I have a hard credit inquiry on my credit score that Im not familiar with, the company called WORLD ACCEPTANCE - G and I would like to file a dispute and get it erased from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
XXXX XXXX charged Off my XXXX XXXX XXXX account after it was paid. How can a credit card be charged off if it's paid. This is fraudulent and discriminatory action towards my financial status. This account is paid. 
During the beginning of the pandemic I paid this card off while battling the XXXX XXXX XXXX XXXX. I will be false to seek legal assistance if this is not deleted from my credit profile on Transunion, XXXX and 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 2017-09-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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 've had a XXXX account with Bank of America ( formerly MBNA ) since XX/XX/XXXX. On XX/XX/XXXX at XXXX I received an e-mail from Bank of America ( BAC ) informing me that my Virtual Card was deleted for XXXX. When I called BAC to inquire, they told me that the XXXX account was closed and that I was mailed a letter informing me that it would be closed on XX/XX/XXXX for inactivity if I did not make a transaction. When I questioned how this could happen without informing me first, they told me that either a letter was mailed or an email was sent. I told them I received neither. They offered to open a case # for someone at BAC to research the issue and I agreed. On XX/XX/XXXX, they called to let me know that the case investigation was completed. In speaking with the assigned person at BAC, he confirmed that BAC had no record of a letter nor did they have a record of an email being sent to me to notify me of the impending account closing. If I had received such notification, I would have made a transaction which would have maintained the account in Open status. He placed notes in the file confirming this and then transferred me to the Credit Dept. where I was informed that they could not re-open the account and that I would need to re-apply if I wanted the card again. They said this was non-negotiable. I feel this is unfair treatment of a consumer and that they should take responsibility for their inaction by not mailing or emailing the notice to me to give me the opportunity to maintain the 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 2020-05-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Confusing or missing disclosures

Complaint:
I went to Bank of America to cash a check that was issued to me from a client. Upon me attempting to cash the check, I was advised by the teller that she could not cash it. She went on to state that she could not cash the check, because I'm what they consider a NON-ACCOUNT HOLDER and it was over the limit for a NON-ACCOUNT HOLDER. That I would have to open an account with them or go to the bank that I bank with. I advised her that this was not legal. That if the check was drafted on a Bank of America check, and the funds are available, then she had to chase it. I then redirected myself to the branch manager hoping he could shine some light on this. I requested this policy in writing, because I knew it wasn't a law. She could not find it, however she still would not cash a legal draft. When have it come to in banking that they can force you in opening an account to get money that you have worked for or deposit your money when you are not willing to do so. This is not legal for them to do.

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 2020-05-30
Company: Security Credit Services, LLC
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:
This purchase took place on XX/XX/XXXX at XXXX XXXX  XXXX. I was told by the clerk, XXXX, that the company was involved with a sleep study funded by a federal grant. I was told that if I agreed to participate in the sleep study I could get my mattress purchase significantly discounted, so I agreed. I was charged {$300.00}, paid with my debit card, and had a queen size mattress, box spring, and frame delivered the same day. I never signed anything stating that I would pay more than the {$300.00} I was charged. 

Months later I began receiving text messages from XXXX. Although I did not know what the company was or why they were contacting me I did not look into it any further. When the calls began I was completely flabbergasted because I never agreed to pay {$1900.00} for that mattress. 

I tried disputing the charge with XXXX  in XX/XX/XXXX. I sent in a copy of my receipt but was told that it was not valid because it was not signed. However, the attached credit terminal receipt states that there is no signature required. I tried to go directly to the merchant but since then XXXX XXXX  XXXX has closed permanently. After closing, the same location was called XXXX XXXX at one point, but is now closed as well. I tried emailing at the address printed on the business card, but the email could not be delivered because the address is not valid. 

The account was being collected by XXXX XXXX and I have tried to dispute the charges several times with all three credit bureaus. I received so-called proof that I owned the debt in the form of an electronic signature with only my initials in lower-case, " XXXX  ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: CNG 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:
This purchase took place on XX/XX/XXXX at XXXX XXXX  XXXX. I was told by the clerk, XXXX, that the company was involved with a sleep study funded by a federal grant. I was told that if I agreed to participate in the sleep study I could get my mattress purchase significantly discounted, so I agreed. I was charged {$300.00}, paid with my debit card, and had a queen size mattress, box spring, and frame delivered the same day. I never signed anything stating that I would pay more than the {$300.00} I was charged. 

Months later I began receiving text messages from WhyNotLeaseIt. Although I did not know what the company was or why they were contacting me I did not look into it any further. When the calls began I was completely flabbergasted because I never agreed to pay {$1900.00} for that mattress. 

I tried disputing the charge with WhyNotLeaseIt in XX/XX/XXXX. I sent in a copy of my receipt but was told that it was not valid because it was not signed. However, the attached credit terminal receipt states that there is no signature required. I tried to go directly to the merchant but since then XXXX XXXX  XXXX has closed permanently. After closing, the same location was called XXXX XXXX at one point, but is now closed as well. I tried emailing at the address printed on the business card, but the email could not be delivered because the address is not valid. 

The account was being collected by XXXX XXXX and I have tried to dispute the charges several times with all three credit bureaus. I received so-called proof that I owned the debt in the form of an electronic signature with only my initials in lower-case, " XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: EQUIFAX, INC.
State: TN
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 received a copy of my most recent credit report. Upon review, I found an account that is not mine and is being incorrectly reported on my credit report. The account is with XXXX XXXX XXXXXXXX with a balance of {$1200.00} and an original creditor of XXXX XXXX XXXX This account is not mine. It may belong to my father who has the same name. Since we are estranged I have no way of knowing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: MoneyLion Inc.
State: LA
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:
The following information is outdated. I would like it removed from my credit history report Immediate delete this inaccurate account from my credit report a collection account is late by default therefore it can not report a late payment.

Immediate delete this inaccurate account from my credit report XXXX is reporting the date of last activity as XX/XX/XXXX XXXX  is reporting XX/XX/XXXX. It is a violation to re-age a collection account. 
Immediate delete this inaccurate account from my credit report

Company response to consumer: Closed with explanation