BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a collection that is not mine and duplicate credit card account reporting i sent XXXX letters showing that it is an error yet still came back as verified which is definitely false 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
Consumer complaint received 2022-03-15
Company: PNC Bank N.A.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have mortgage loan with PNC bank. My home value is appreciated and the current LTV ratio is less than 75 %. I requested PMI deletion with PNC and submitted cheque for BPO. My request is turned down repeatedly after many follow ups. Many of my friends whom I know had mortgage with other banks similar to my situation were able to delete PMI successfully. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: CBC Companies, 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: Account status incorrect

Complaint:
This is the second or third time I have had to address the issue of unverified lack of documented proof of accounts listed below. 
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FDCPA SECTION 805 ( b ) & SECTION 809 ( b ) Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Debt and Collection Practice Act regarding your undocumented UNVERIFIED NO PROOF OF CLAIM information from my consumer file. I intend to pursue litigation in accordance with the FDCPA Section 809 ( b ), FTC opinion letter XXXX from XXXX to seek relief and recover all monetary damages that I may be entitled to if the UNVERIFIED NO PROOF OF CLAIM items listed below are not deleted immediately. Once again there is still no PROOF OF CLAIM and the items listed below still remain on my credit report. You are required under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Furthermore, you have failed to provide any transfer title of ownership on the charged-off written of the accounts. Please be advised that FDCPA Section 809 ( b ), FTC opinion letter XXXX from XXXX The law is very clear as to the Civil liability and the remedy available to me Consumer Protection afforded by the FDCPA if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FDCPA, FCRA, and FTC. I demand the following accounts deleted immediately. ACCOUNTS : XXXX  XXXX  XXXX  ( XXXX  ) # XXXX, XXXX XXXX XXXX XXXX BAL {$25.00}, XXXX  # XXXX, XXXX XXXX XXXX XXXX {$1500.00}, XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Capital, one sent me to collections and placed a lien on me i was never served and paperwork or sent any letters. SS # XXXX XXXX XX/XX/1956 card ending in XXXX i have tried to resolve the matter with their collections department but they weren't willing to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: Experian Information Solutions Inc.
State: HI
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:
Experian ( XXXX XXXX  XXXX inquiry XX/XX/2019 ) XXXX/XXXX of XXXX inquiry XX/XX/2019 call may times to dispute / remove

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 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX Bank XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX bank XX/XX/XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XXXX/XXXX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Type of Business Date of inquiry Credit Bureau XXXX Bank XX/XX/XXXX TransUnion XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Bank XX/XX/XXXX TransUnion XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX BANK XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Bank XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX Federal XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX XXXX  Miscellaneous Finance XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX Jewelers XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX  Auto Financing XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX  Auto Financing XX/XX/XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX Jewelers XX/XX/XXXX XXXX XXXX XXXX Telephone Service Providers XX/XX/XXXX XXXX XXXX XXXX Telephone Service Providers XX/XX/XXXX XXXX XXXX XXXX Jewelers XX/XX/XXXX XXXX XXXX Sales Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Unions XX/XX/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 non-monetary relief
Consumer complaint received 2021-06-26
Company: Sequium Asset Solutions, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Steady calling me, multiple times a day, for the last few weeks. Phone automatically filters it as spam/scam. Researched numbers ( they call from several numbers, call from new number after I block old number ). Called asking who they contracted with, asked them not to call me. They kept grilling me for personal information which I refused to give. Never received these calls now I receive them all the time. 

Company goes by the name XXXX. They need to stop calling my number and harassing me. I dont owe anything to anybody.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
15 USC 1681c-2 FTC VIOLATION XXXX XXXX, XXXX, AND TRANSUNION FRAUDULENT REPORTING, FRAUDULENT ACCOUNTS, REFUSAL TO PROPERLY INVESTIGATE AND SUBMIT PROOF OF FINDINGS, REFUSAL TO REPORT FINDINGS, REFUSAL TO CORRECT AND REPORT TRUE CONSUMER HISTORY. XXXX, XXXX, AND TRANSUNION REFUSAL TO PROPERLY ADMINISTER CONSUMER ACCOUNT ; REFUSAL TO ACKNOWLEDGE CONSUMER COMPLAINTS.

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 2020-03-06
Company: STERLING JEWELERS, 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:
Account appearing on my credit report was not opened by me and company will not provide accurate debt validation as to the debt in question after several attempts throughout the past years. Continue to send letters in response to my requests for debt validation, without copies of signed contracts or statement of accounting. Also, the company has repeatedly sent these letters under several different entity names such as : JB Robinson, Kay Jewelers, Sterling Jewelers and XXXX XXXX  and referring to different account numbers on their correspond Kay Jewelers card that was paid in full and satisfied and the store associate opened this separate account in question without my authorization ( my kays card was accepted at all Sterling Jewelers store including jb robinson ). it has now been 5 years since the first derogotory mark on this invalid account. Lastly, they continue to provide conflicting information on a collections company that holds the account ( XXXX XXXX XXXX, XXXX and XXXX XXXX ) I have demanded they remove the account from my credit history as it is now effecting my security clearance and they refuse to do so. I believe this falls under the CFPB investigation of sterling jewelers inc. where final judgement and order was entered agaisnt the company for the same practices in XX/XX/2019.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: AMERICAN ADVISORS GROUP
State: CO
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
I am writing this letter in hopes you can help me. I am a XXXX-year-old senior citizen who performed a reverse mortgage with AAG in XXXX of XXXX. At the time this was a positive experience but that has completely changed. 
In XXXX XXXX we had a issue with water backing into my home. I contacted a plumber who fixed the issue then I contacted another to mitigate dangerous wastewater that had inundated a part of my basement. I called my home insurer who after damage appraisal provided me a check for just under {$14000.00}. I also contacted AAG to inform them of the claim, it was now the problem arose. 
The check was made out to me as well as AAG ( the insurance company said this was standard practice as the check was over {$10000.00} ). 
In late XXXX the mitigation contractor XXXX XXXX, began calling me asking for payment. It was then that I contacted AAG by phone and they said to contact their claims division in Texas which I did mainly by phone. By XXXX AAG still had not paid the claim to XXXX XXXX and XXXX XXXX threated to send me to creditors. It was at this point I reluctantly decided to pay XXXX XXXX  directly with the belief I would be repaid by AAG from the check my insurer paid them. THIS WAS NOT NOR HAS BEEN DONE. 
I have called multiple times and sent numerous emails to AAG and their claims department only to get the run around. 
It is now XXXX of XXXX and I have not been reimbursed for out-of-pocket expenses {$9200.00} nor has any work been started for repair much less completed. 
They have taken advantage of me, committed fraud and theft. Ive been suffered financial and emotional hardship because of their deceptive practices. It is my hope that you have the power to force them to do what they should have done, as well as press charges, institute fines and rescind their license to do business in the state of Colorado so they dont take advantage of other as they have me. 
I am willing and able to provide any documentation requested by you as well as to sign any formal criminal and/or civil complaint documents against AAG. 
Please contact me at your earliest convenience to let me know next steps. 
Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2022-03-15
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am deeply devastated about a collection account that is reporting incorrectly on my credit report. These accounts are invalidated, unverifiable, inaccurate, & FCRA violations. These inaccurate items on my report are affecting me badly. I have been living in the same apartment address XXXX XXXX XXXX for more than 5 years. this. XXXX XXXX ACCOUNT IS inaccurate. I am in complete shock and saddened and need this to please be removed immediately due to how much it has affected me to sign up for a new credit card and purchase a new vehicle. my credit was in absolute good standing until this account XXXX XXXX appeared on my credit report. I NEVER AUTHORIZED TO OBTAIN MY CONSUMER REPORT. THIS XXXX XXXX COLLECTION ACCOUNT IS FRAUDULENT AND HAS NO PERMISSIBLE PURPOSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: Professional Credit Management, Inc
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX  XXXX was paid directly in full on XX/XX/2019 of {$660.00}. Receipt is attached along with Goodwill Letter, and XXXX XXXX Report of deletions back in XX/XX/2019.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: CarFinance Capital LLC, Irvine, CA Branch
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX XXXX, 2017 when l checked my credit report l saw that there are 5 different hard pull inquiry reports on XXXX.

1- XXXX XXXX XXXX 2- CARFINANCE.COM 3- XXXX XXXX XXXX 4- XXXX XXXX XXXX 5- XXXX XXXX XXXX They are all unauthorized and without my knowledge and permission.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting 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:
These finance institutions ran my credit without my consent which is fraudulent. 
Here is the list : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.I did not give these companies permission to run my credit so please remove inquiry or show proof I authorized it.

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 2020-03-06
Company: PLANET HOME LENDING, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I apologize about the house. The house has already been sold to another home owner it was remodeled and re-sold. Planet mortgage has already broke even and paid the balance to XXXX. Im a XXXX veteran I can barley hear I need to purchase another home a final home in California. Planet mortgage is rendering me from that process of using my VA loan. Im no longer married to XXXX XXXX. I know she had a lawsuit on the city of XXXX XXXX for XXXX  XXXX/ or XXXX  I cant remember the lawyer name was XXXX  XXXX in XXXX  XXXX. Pain suffering from the death of her sister.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Experian Information Solutions Inc.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
To whom it may concern : Experian. 

The late payment status on this account is invalid and inaccurate you must have maximum accuracy in reporting. 
Please delete if you fail to verify I demand you show supportive documents that your reporting is accurate and show that Ive been late this is a violation of your 15 USC 1666 b which violates my rights. 


XXXXXXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$1300.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Last reported XX/XX/XXXX {$2000.00} Open balance {$1500.00} XXXX. Inquiry details XXXX XXXX XXXX XXXX XXXX XXXX ( Finance XXXX XX/XX/XXXX XX/XX/XXXX Inquiry details XXXX, XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX Account info Account name XXXX XXXX XXXXXXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$13.00}, XXXX written off. {$13.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$13000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$12000.00} Highest balance {$13000.00} Terms XXXX. XXXX XXXX XXXX Original Creditor Company Sold Account Type Date Opened Open/Closed Status Status Updated Credit Usage Balance Balance Updated Last Payment Date Credit Limit Monthly Payment Past Due Amount Highest Balance Terms Responsibility Your Statement : - Comments : - Contact Info : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Credit card XX/XX/XXXX Closed Account charged off. {$1700.00} written off. {$2000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XX/XX/XXXX {$1500.00} {$2000.00} {$2000.00} Individual Sincerely 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 2022-11-09
Company: EQUIFAX, INC.
State: TX
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 contacted XXXX XXXX on several occasions to resolve the account that does not belong to me. I have offered to send updated copies of my social and ID to confirm. XXXX  XXXX has reported the account ending in XXXX to the wrong credit report. 

XXXX  XXXX  has a social security number reporting under a social that doesnt belong to me. Please review the attachments for further review. 

I would like to be contacted at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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

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 2020-03-06
Company: WELLS FARGO & COMPANY
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Problem with customer service

Complaint:
In XX/XX/XXXX, I received a notice from " the Administrator for U.S District Court, XXXX XXXX, XXXX, Oregon XXXX XXXX. 
It stated that I could receive a cash payment from a Class Action Settlement against Wells Fargo Bank. The notice listed : Loan # ending in : XXXX, Loan Date : XX/XX/XXXX, Borrowers XXXX XXXX XXXX and XXXX XXXX XXXX, Vehicle XXXX XXXX XXXX, VIN ending XXXX. 
CPI Class Action Settlement Tracking Number : XXXX I emailed XXXX XXXX and she responded that Wells Fargo had started sending out refund checks and I should receive mine, Middle XXXX. Didn't come, so emailed again, should have check by end of XXXX. " ABSOLUTELY NOTHING '' Contacted FDIC to file a complaint, they referred me to the CFPB, therefore this complaint. Not my first rodeo with Wells Fargo, not paying me or a Class Action Lawsuit that they lost.

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