BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-01
Company: EQUIFAX, INC.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
To whom it may concern, I recently received a copy of my credit report from your company reporting a number of items on the report that I do not recognize, is unknown, or I believe are inaccurate. I am assuming that your company has verified the accuracy of these disputed items before you reported each one. 

I need copies of documents that you have on record that you used to verify the accuracy of these disputed accounts as I have the right to demand that you release and make public all documents recorded. I believe your source of documents used by the furnisher are unreliable and that the disputed accounts are in error. 


XXXX XXXX XXXX  XXXXno knowledge of account. If unproven, unverified, or non-compliant, Demand deletion immediately. 

XXXX XXXX  XXXXno knowledge of account. If unproven, unverified, or non-compliant, Demand deletion immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: PNC Bank N.A.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
PNC suspended an account back in XXXX of XXXX. After filing a complaint with the company, I finally received a response ion XX/XX/XXXX. I was told the issue was resolved and I would receive a check via mail. I have patiently waited for months and have yet to hear back from the institution. The account is now currently closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Account shows three different reports on all 3 bureaus. Incorrect data reporting and unclear billing. Very fraudulent

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 2020-06-04
Company: Rent Recovery Solutions
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a message from a collection agency called Rent Recovery Solutions for unpaid rent in a property that I moved out of on XX/XX/16. As a result, the creditor, XXXX XXXX billed me for an additional month, per my lease I should of been billed through my move out date. I have an email thread from XXXX XXXX that solidifies my claim as well as a receipt from my moving company. My property manager was XXXX XXXX. The amount that is appearing on my credit is {$3400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: Solar Mosaic LLC
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
XXXX Solar Mosaic , Inc. numerous times with no resolution XXXX. ) Solar Mosaic , IncXXXX paid out the 40 % installment on my loan ( {$8800.00} ) to XXXX XXXX for installing solar panels on XX/XX/XXXX, before the work was inspected by the city ( Inspection Date XX/XX/XXXX, XXXX it did not pass ) and before I approved the payment. 
XXXX. ) The solar company, XXXX XXXX, effectively but not officially, went out of business after Mosaic gave them {$8800.00} from my loan but before the rough or final inspections passed by the city. 
XXXX. ) The evidence for XXXX XXXX going out of business is they did not return my calls or emails starting on XX/XX/XXXX and continuing to today, XXXX, XXXX, XXXX. Now when calling the numbers provided to me by Mosaic ( XXXX or at their previous number, XXXX ), I get this number is no longer in service. XXXX also states XXXX XXXX is permanently closed. 
XXXX. ) I have contacted Mosaic numerous times starting on XX/XX/XXXX, for which they open a case number but then close it without any resolution. ( Complaint cases # XXXX, XXXX and XXXX ). When I called Mosaic on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, Mosaic said a specialist will call me within 2 days but I never get a phone call. 
XXXX. ) Since I do not have Permission To Operate ( PTO ) and the company XXXX XXXX is effectively out of business, I am currently asking Mosaic for XXXX things : XXXX. ) To allow me to use the final 10 % payment ( {$2200.00} ) to pay another solar company to get the solar system to PTO to make the panels operational. 
XXXX. ) To give me the photos and documents that permitted them to pay {$8800.00} to XXXX XXXX for installing the panels. I need these photos for the city inspectors to pass the rough inspection. They say it is not their policy to give out these documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: EQUIFAX, INC.
State: FL
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 have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midland Funding of XXXX, MI or XXXX XXXX, CA uses unfair tactics in reporting debts and collections. They report the same debt twice and they refuse to remove the duplicate information even after you contact them and file a dispute with the credit agencies. As a matter of fact, after I asked them to remove the duplicates they added another account with duplicate info.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-02
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Financial institution offered {$300.00} bonus for new account being opened and meeting condition of 3 consecutive months of {$1500.00} being direct deposited to account. Conditions were met in XX/XX/2018 and payout of bonus is said to occur within 45 days. Bonus has not been paid.

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 2020-10-21
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was reviewing my credit report and notice several fraudulent accounts. I provided 2 forms of my ID to prove my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: EQUIFAX, INC.
State: NE
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 a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I have Experian boost as a settlement for XXXX 's data breach. I am unable to access my account. It says the password is incorrect. Password reset will not complete without error.It says to " try again later '' This has been a problem for months. Experian has no contact to correct this issue. The phone number only tells you to follow the website instructions. They refuse to provide access to a person. There is no email for contacting a human. I am confined to a automated phone service that is awful and incapable of providing relief. 

This service is normally ~ {$25.00} a month and they provide NO CUSTOMER service to fix problems.

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 2020-07-23
Company: Upstart Holdings, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/2020 I missed an auto payment due to XXXX check comming in late. XX/XX/2020 they emailed stating a repayment would happen XX/XX/2020. 

On XX/XX/2020 when funds became availble I made the payment for XXXX via their online services. Their system stated specifically that my next payment would be XX/XX/2020. 

XX/XX/2020 they took they payment out of my account causing an over draft, I caught it that day, called them up and asked what was going on since the payment was done. They processed a refund minus the {$15.00} ACH return fee. While processing a complaint for the overdraft fees the accrued. 

XXXX XXXX I recieved an over draft fee {$35.00}, XX/XX/2020 I recieved a continued overdraft fee of {$30.00}. I called on XX/XX/XXXX and they stated they were just processing the refund that day And i amended the supplemental complaint to include the additional {$30.00} fee. XX/XX/2020 i recieved the refund. 

XX/XX/2020 I recieved an email stating they were denying coverage of the bank fees becuase there were not assessed by Upstart. So I sent them proof of the fees and that there mistake was the sole cause of them by a account summary covering the days in question. Along with the statement that their system informed me on XX/XX/XXXX, that the next payment would be XX/XX/XXXX th. 

They are sticking to the fact their original email on XX/XX/XXXX superceded the information provided to me on XX/XX/XXXX. Had there system stated the original XX/XX/2020 payment was still in effect this whole situation could have been avoided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: EQUIFAX, INC.
State: SC
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 confidentially under 15 USC 1681 : Account name : USDA Rural Development Account number : XXXX ; Account name : XXXX XXXX XXXX Account number : XXXX ; Account name : XXXX XXXX Account number : XXXX, has violated my rights. 

15 U.S.C 1681 Section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) 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 response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: EQUIFAX, INC.
State: NE
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:
The creditor XXXX XXXX is not reporting timely payments to the credit bureaus. They are not reporting the correct loan balance on my credit report. The account is paid up through XX/XX/21. This is a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Bread Financial Holdings, Inc.
State: PR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Comenity Capital Bank sold to XXXX XXXX XXXX a credit card balance of {$600.00} for purchases allegedly made at the XXXX XXXX XXXX XXXX XXXX  by me. 

The reality is that I never have had a credit card account with XXXX, XXXX and XXXX, nor I have ever received a statement of account or any collection communication from such store or Comenity regarding any credit card outstanding balance. 

As a result of this my FICO score has plummeted from XXXX to XXXX and increased the cost of credit of my new loan applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I noticed that there was a medical bill reporting to my credit and I believe that medical bills were supposed to be private information and I never gave out my medical information to any collection companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: Ocwen Financial Corporation
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have a mortgage with PHH, account XXXX. We have two property parcels that are included in our mortgage and are escrowed each month. We received notice from the XXXX County, Wisconsin tax assessor that property taxes due XX/XX/2021 have not been paid on one of the parcels. I contacted XXXX on XX/XX/2021 but the taxes remain unpaid. A penalty has now been assessed. This is on XXXX County PIN # XXXX. The total due as of today is {$73.00} plus {$2.00} interest, total {$73.00}. Please assist us as we have not received any response from PHH. 

Many 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 2023-04-18
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX I made a large deposit at chase bank. 2 checks payable to me. One for {$10000.00} and another for {$15000.00}. 
XX/XX/XXXX i was told the funds would be available. In the app, it showed an available balance of XXXX. But i still had no access to the funds. I called chase customer service. Chase put my account in restriction. They told me the checks could not be verified through their system, and that one of the checks had been altered. I complained to them about arresting my earned income from direct deposit and that I was expecting a child support payment. Some one made a note on my account about an ach payment that I should be allowed to withdraw at the bankers discretion. I eventually did withdraw the ach payment. Also the check for XXXX, was verified. 
XX/XX/XXXX chase attempted to verify the phone numbers. Again! For the check of XXXX I go to a local branch and speak to 2 bankers who seem confused about why chase is having issues with verification. They call customer service and CS tells them they will hold the money indefinitely. 
XX/XX/XXXX After 10 days of my account being in restriction chase closes the account. 
XX/XX/XXXX local branch manager tells me chase closed my account, I will be receiving 2 checks. One for the direct deposits of my an my mis ands income, and onefor the XXXX. I received them. 
XXXX receive a cashiers check in the mail for XXXX XX/XX/XXXX I receive a cashiers check from chase for the XXXX XX/XX/XXXX. The XXXX still arrested with no hope of verification. 

The checks for XXXX XXXX was presented for payment on the XXXX of XXXX by chase to XXXX bank. And XXXX released the funds to Chase.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  {$0.00} U S DEPT OF ED/XXXX XXXX XXXX XXXX {$0.00} U S DEPT OF ED/XXXX XXXX XXXX : {$0.00} U S DEPT OF ED/XXXX XXXX XXXX : {$0.00} U S DEPT OF EDXXXX XXXX XXXX XXXX {$0.00} U S DEPT OF EDXXXX XXXX XXXX : {$0.00} U S DEPT OF EDXXXX XXXX XXXX : {$0.00} U S DEPT OF EDXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance : {$7200.00} U S DEPT OF EDXXXX XXXX XXXX XXXX {$0.00} U S DEPT OF ED/XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX {$19000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I called and ask for a break down of my payment each month I pay the debt and the amount I owe never changes it was a car loan that I already paid intrest on now they are charging more interest

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: American Credit Acceptance, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
American acceptance credit Reported late payments after accident in which my insurance company sent confirmation they would pay settlement. Applied 3 late payments to my credit while in payoff process. Sent letter would be corrected when I reported to XXXX yet no changes made.

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 2021-02-17
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Midland Credit Management Inc. has contacted me via telephone and contacted me via mail about a debt owed by another company not related to midland credit management Inc. There was no valid contract between me and Midland Credit Management Inc. They have not file suit in the state of Virginia in the XXXXXXXX XXXX XXXXXXXX, VA the amount of {$1000.00}. I wasn't properly served the Debt in Warrant paperwork and not being forced to go to court for a debt I do not owe to Midland Credit Management Inc. They are now reporting this information to all 3 credit bureaus and damaging my reputation and credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: Paypal Holdings, Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Received collections letter in the mail that PayPal Inc had sent my account to collection and that my balance was {$360.00}. I contacted PayPal and they said my account was never sent to collections. 

Letter sent by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Letter advises to make checks payable to XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX, NY XXXX XXXX payment with XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-17
Company: FIRST NATIONAL BANK OF OMAHA
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A woman called me claiming to be from First National Bank. She had my full social and debit card number. She told me there were fraudulent charges. She asked to confirm my information. She told me there were two fraudulent charges and asked me if I was in Texas. I said no. She told me I needed to cut up my card and they would send me a new one on Saturday. I challenged her legitimacy but when she new my full social and debit card I believed her and confirmed my pin. Today I got a call from FNB and checked my account. There were 9 {$200.00} withdrawals from my account. They told me to file a complaint with you to protect myself from further fraud. My card is cut up by they have all of my personal information.

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