BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-07
Company: PNC Bank N.A.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Due to Covid I'm not able to go into a PNC branch ( I'm outside the country ) I am buying a home and need all of the funds from my account. PNC sill not initiate a wire transfer, nor will they allow me to do and international transfer through a third party website. I need the funds from my account as that is what I'm using for my down payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
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:
The listed company ( Portfolio Recovery Associates LLC ) completed a soft pull of my credit report without permissible purpose. Such action was a direct violation of my consumer rights, warrantable of {$1000.00} per offense. These actions have left me emotionally weary and uncertain in regards to my personal credit information. I would like an immediate remedy to this mishap from the company in the form of deleting the fraudulent account from both my XXXX and XXXX credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
XX/XX/2020 I noticed accounts on my credit report that didnt belong to me. I immediately sent in a dispute to Equifax, XXXX, and XXXX. 


I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard from these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
XX/XX/2020 I noticed accounts on my credit report that didnt belong to me. I immediately sent in a dispute to XXXX, Transition, and XXXX. 


I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard from these companies.

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 2021-10-13
Company: I.C. System, Inc.
State: TX
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:
A collection letter was tagged with my credit file for services I never received or purchased. According to I c system Inc., XXXX XXXX XXXX XXXX XXXX, MN XXXX ( collection agency ), I am have been delinquent on an XXXX XXXX XXXX account for {$1100.00}. This appears to be the same collection letter that has been sold form on e collection agency to another. I was a victim of Identity theft a few years back and this collection keeps repeating itself with different collection agencies. I have never ever had an account with XXXX XXXX XXXX in my life. how could this be my debt? Please help me resolve this ridiculous practice. It's very stressful when your credit is disrupted. My credit record reflects that I have outstanding credit rating and always paid on time even with high dollar accounts. I need this fraudulent claim removed from my file. Thank you for your assistance.

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 2019-06-17
Company: WELLS FARGO & COMPANY
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:
Dear Team, I was out of country when my 1 payment was Late and Wells Fargo Credit card reported a Late payment on my account and closed my account without informing me. which i found out couple of weeks Later. kindly remove my Late payment reported and open the closed account. 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 monetary relief
Consumer complaint received 2020-06-23
Company: Conn's, Inc.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I initially opened an installment loan and got merchandise with this company in XXXX. I made payments on the account up until XX/XX/XXXX. I called in and spoke to a representative on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. My balance is not going down even with all of the extra payments that I have been making. I was notified on XX/XX/XXXX that all of my payments were going to a closed account. So i asked " what closed account could they have been going to? '' because i've never had another account. The representative told me that she would escalate the issue and have someone to call me about the problem that they noticed. I never received a call back, so I called to find out if the problem was solved and was told that all of my payments were not reported because they took it upon themselves without my permission to do extensions every month after i made my payments online and without my permission. This company is a total scam, as of today one of my credit reports shows a balance of XXXX and the other XXXX after 4 years of payments. This is crazy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I first called in mid XXXX to let the bank know that the transaction on XX/XX/XXXX was not valid as I did not receive the clothes that I had ordered, I had already spoken to the vendor who states that due to them having a tracking number they were unwilling to help. Over the next several months I contacted the bank no less than four times inquiring about the status of the dispute, each time being told that there was no further information and I should be getting something in the mail which I never did. On my last two calls I was told to expedite the claim I should write a statement and fax it with the appropriate claim number and transaction information. The letter was faxed on XXXX the XXXX XXXX XXXX  Pacific Time, with a fax confirmation, I confirmed with the agent on the phone that I did indeed have the right fax number and did indeed have the right claim number however they did not have any record of me faxing anything to them. I was suggested to mail something via U.S. Postal 2 appeal my claim, which was news to me considering I didn't know that the claim was denied to begin with. I spoke to a account supervisor in client relations named XXXX ID XXXX who was nonchalant, inconsiderate and refused to provide any assistance. When I inquired about the fax that I sent, his response was that they did not have it so perhaps I should send it in the mail. Having a fax confirmation meant nothing to him and the fact that I had been in contact with the bank no less than six times regarding this matter seemed unimportant. I just want my money returned. 
XX/XX/2021 {$81.00}

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 2021-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
On multiple occasions I have tried connecting with all three credit bueras to have closed and settled accounts removed from my reports. After many attempts neither of all three credit bueras removed these settled accounts from my reports. They continue to give me a hard time and trouble getting these closed XXXX balance accounts removed. They continue to hinder me by not removing these accounts. I am writting to have cfpb step in to apply all laws and regulations. If no problems are to be fix I will have to seek legal action so that my rights are not continued to be violated. have attached multiple files added to this report.

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 2021-10-14
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have not received any documentation on how you have appropriately verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your Offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. ( Copied from my Affidavit report attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: Experian Information Solutions Inc.
State: WA
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:
There are currently numerous incorrect items on my credit report with accounts and inquiries that don't belong to me and are not related to anything done by 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
Consumer complaint received 2020-06-23
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Nearly two months ago, I disputed information on my Experian consumer report in part with respect to inaccurate descriptions of my account with XXXX XXXX XXXX XXXX. On XX/XX/2020 Experian responded ( attached ) requesting additional relevant documentation. I replied to Experian on XX/XX/2020 with additional relevant documentation including court records ( attached ). This submission grants Experian an additional 15 days to investigate my dispute by statutory requirement ( FCRA ). However, I have not heard from Experian about the status of my dispute with XXXX as of today 's date.

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 2020-06-07
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:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS.

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 2019-06-17
Company: ERC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ENHANCED RECOVERY COMPANY IS IN VIOLATION OF THE FCRA. THEY HAVE AN ACCOUNT ON MY XXXX   CREDIT REPORT THAT IA NOT MINE AND DOES NOT BELONG TO ME.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there ae several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. 

XXXX {$1000.00} XXXX {$1400.00} XXXX {$440.00} XXXX {$13000.00}

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 2020-03-23
Company: Dovenmuehle Mortgage, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My parents and I refinanced a property. We were not aware or told at the time of the mortgage signing that we would need to get Windstrom insurance. Eventually, after three letters that my father threw away, we were force-placed a policy in XX/XX/XXXX that lasted from XX/XX/XXXX to XX/XX/XXXX. This all was our fault. The problem begins here : we got our own policy put on in XXXX. While we were trying to get the mortgage company to update the policy, the insurance company cancelled a little over a month later for failing their inspection. We fixed everything and got another policy by XXXX. We got that second policy put on the mortgage and got a refund. The problem was getting the refund for the month of XXXX and XXXX. I had to call every week from XXXX through XXXX to get someone to help me. It was a nightmare because either they would promise to follow up and never would, or they would say I didn't have a refund to get. Finally after months, I got one person to listen. He followed up ( after constant emailing on my part ) and I got my money back. 

I have two other problems. One came in XXXX after we finally got them to put our insurance on the mortgage ( it took two months for them to put the policy on the mortgage ). Our payments had gone from ~ {$820.00} to ~ {$3000.00} with their force-placed plan. In XXXX they tried to auto bill me for the {$3000.00} ( their automated payments do not allow for manual adjustments, so it is on them to change the amount billed ). I told them I only had the money for the correct ~ {$820.00} payment in the account and not the $ XXXX. They told I should pay the charged amount and try to get a refund after. Absolutely not!!! They charged me a non-sufficient funds fee, which I got back after calling ( again, multiple times ). Lastly, I just got a letter in the mail saying they dont have me down as having insurance on my mortgage. I am exhausted. Of course I have insurance on it, I just bought the policy in XXXX. These people are relentless and I am so upset to be stuck with them. 

I am now trying to get hardship assistance for the coming months and I can not get through to their phone line or online application. They have drained my savings and now I fear not being able to make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 looked at my credit only to items that did not belong to me on it. So I reached out the the FTC and the Police Department to find out what steps to take. I was given instructions of what to do and that was to dispute these items with the 3 Credit Bureau. So I mailed in my disputes to all 3 and I have had no response back. So I am here disputing these items. All the documents I mailed in I am will be submitting below.

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 2019-06-17
Company: ERC
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: Their investigation did not fix an error on your report

Complaint:
XXXX reporting the following Bureau Name ENHANCED RECOVERY COMPAN Original Lender XXXX XXXX Account Type Not Reported Responsibility Individual Age Of Account 1 Years, 10 Months Credit Limit Not Reported Highest Balance {$220.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Remarks Account information disputed by consumer, meets FCRA requirements. 

This account has been closed since well over 7 years ago and amount was disputed back then as XXXX charged a " cancellation fee '' that was not valid. This collection agency obviously bought this and is now trying to collect. Age of account is incorrect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: Experian Information Solutions Inc.
State: MS
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 have disputed the student loan account with the credit bureau for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal..CFPB please step up and remove the accounts XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX 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 2020-06-23
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: Public record information inaccurate

Complaint:
This issue has been going on since XX/XX/2019. XXXX, Equifax and XXXX  fail to remove bankruptcies they claim was verified by the courts. I obtain verification from the Federal Court clerk asking, if they verified with the credit bureaus. The credit bureaus refuse to take the letter from the clerk.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: NAVY FEDERAL CREDIT UNION
State: SC
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 XXXX identity theft restoration assistance.The website states that you should call the XXXX if you suspect your a victim of identity theft and they would help you restore your identity.But they told me that they would not set the product up and after arguing about 20 minutes to a 30 minutes just to get the manager to allow them to let me purchase the product.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: The CMI Group, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The company is collecting on an untrue debt. I have reached out to XXXX/XXXX   that the company is claiming to be collecting on behalf of and they advised that nothing is owed. All service equipment was returned and bill paid when I cancelled my service. The collection agency has yet to provide proof of the debt or remove the collections. This issue is a very time sensitive matter as I have major things that are dependent upon my credit history. The collection and all history needs to be deleted from my credit report NOW. All contact with XXXX and the collection agency has been recorded as well I have received a copy of my final statement which you will find attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have requested information/ documents on accounts that I feel were not mine and inaccurate the disputes occurred XXXX Credit bureaus have failed to conduct the proper investigation on accounts disputed. With no response for over 30 days and when receiving letters of investigation no documents where provided to prove the accounts where accurate and mine. XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX the two accounts disputed.

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 2018-10-16
Company: Navient Solutions, LLC.
State: AZ
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:
Between XX/XX/XXXX and XX/XX/XXXX Sallie Mae, now Navient, outsourced customer service calls to XXXX. During that time period, those customer service reps repeatedly informed me my loans were eligible for the Public Service Loan Forgiveness Program when they were not. I missed out on 3 and a half years of  participation in the program.

Company response to consumer: Closed with explanation