BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-07
Company: EQUIFAX, INC.
State: MI
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:
In accordance with the Fair Credit Reporting Bankruptcy reference # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. I also want these names and addresses deleted XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I had written to the company ( MCM ) and the bureaus on numerous occasions but to no avail have they complied with the FCRA and provided me with the proper information. I also have written to the bankruptcy court and they sent a letter stating that they don't report to the bureaus and I sent the letter to all three bureaus and they still are reporting on my reports

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: MI
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:
Equifax was hacked. My personal data may have been stolen-they would not confirm. As I try to sign up for the free Identity monitoring they offer they say I must waive my right to any legal action, This is not right. The process to sign up for this service takes too long as well. I attempted to sign up on Thursday XXXX I will not here anything until XXXX/XXXX/XXXX before I can finish the enrollment process, Unacceptable -especially since they did NOT notify consumers of this hack immediately-but almost a month later.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Experian Information Solutions Inc.
State: VA
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 have not supplied proof under the doctrine of estoppel by salence. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists 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 has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 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 2018-04-17
Company: Credit Karma, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
In the month of XX/XX/2018 I paid off two credit card balances, didn't close the accounts just paid the balances and the next day my credit score dropped 32ps. I emailed Credit Karma right away when I first saw my credit score had dropped. Credit Karma and I went back and forth between 8 emails and no one could tell me why my score drastically dropped. I proceeded to call all credit bureaus XXXX, XXXX, and I visited XXXX still no one could tell me why my credit drastically dropped. Every factor each credit bureau ask me to consider or look at did not apply to me. One factor was incorrect they said I have only had credit for 2 yrs in fact I have had credit for 5 yrs. I have never had a derogatory complaint on my credit report, I have never missed a payment or paid a late payment on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Experian Information Solutions 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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2021-09-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am not familiar with this account. I have contacted Capital One concerning this account my letter was delivered on XX/XX/2021 the tracking number is XXXX XXXX XXXX XXXX XXXX. Capital One has not responded to my letters, they have not sent a contract, statements or any documentation concerning this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received an American Express gift card from my employer last XXXX. The initial balance was {$500.00} and I was able to use {$410.00}. At this point the card has stopped functioning and it is declined at every purchase opportunity I make. There is {$89.00} left on the card and I have tried to use it in person and online, and every time it is declined. I have tried reaching out to American Express, but received no response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-29
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Greetings, Our loan is serviced thru OCWEN. We requested an escrow analysis several months ago, in the XXXX 2015 timeframe. We have called several times since then and they indicated that since we are in a chapter XXXX plan, it may take longer to process. We noticed about XXXX weeks ago online that our house payment had increased by about {$340.00} per month. The escrow amount was about XXXX but the principle and interest had remained the same. When we called recently, they indicated that they are investigating and they recommended that we make the old payment for XXXX 2015, which we did today, XXXX/XXXX/15. We have been current on our mortgage since XXXX and now risk being delinquent, unless we make the increased payment for which we have no documentation as to why it increased. Our fear is that what little good credit we have established by paying them on time will now be impacted. This company seems to routinely " operate in the dark '' from our experience and we are glad that you are here to help us. Thank you.

Company response to consumer: Closed
Consumer complaint received 2021-09-24
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that PROCOLLECT would verify the debt. So I took it upon myself to ask PROCOLLECT for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX  XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves 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 2021-09-24
Company: Amsher Collection Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/2021 at XXXX was contacted by an Amshare representative in regards to a XXXX account. I requested written notification, representative informed me it was not sent out due to the fact the collection was only 1 day old and the just received the request to collect debt. Representative claimed it will be sent out. Never received written correspondence. XX/XX/2021 at XXXX, received a call from an Amshare representative in regards to debt collection. Informed her that I had requested and never received written correspondence, she said " Have a nice day '' and hung up. XX/XX/2021 at XXXX, received a call from an Amshare representative, informed her I was called earlier in the day and informed the previous representative that I request written correspondence that I have never received. Representative informed me that they do not send out written correspondence, they are solely electronic and online and will not send anything in the mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: Experian Information Solutions Inc.
State: NY
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 been a victim of identity theft due to my personal and private information being exposed in breach. I have since noticed many accounts applications and debt opened in my name that I have not permitted and have no responsibility of or prior knowledge. I have taken actual by reporting this theft to the local authorities and by filing an identity theft report to try to resolve this matter. I have contacted credit bureaus directly only to be told to contact the banks who then tell me to contact the credit bureaus. I need to have this issue resolved and my rights of FCRA to be upheld.

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 2023-09-28
Company: Grain Technology, 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:
Grain Technology fails to report accurate information. The company continues to report a previous balance instead of reporting the correct balance. Each report cycle Grain continues reporting an old balance when the account only owes XXXX to be exact. Ive filed numerous complaints with the company Grain as well as XXXX and the account still is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I lost my job in XXXX of XXXX due to COVID. Getting a suitable replacement employment took longer than we thought and ate up our reserves, so on XX/XX/XXXX we sent in a formal forbearance application to our loan servicer SPS. 

We supplied ALL requested documentation that SPS initially asked for. We immediately supply them with any info that has since been requested of us. Apparently, the initial information 'expires ' during the extremely long process that they take to review our application. As such, the application goes back to being in a status that is 'lacking information '. This is a never-ending loop that we can not get out of because SPS takes too long to process our information and pay stubs, banks statements and the like all expire in their system triggering our application back to that status. 

We believed our loan with SPS already to be in forbearance so were willing to put up with their constant requests for information. We were shocked when we received notice today that our loan is showing as delinquent with the credit services. 

All of the other companies that we have asked for forbearance from gave it to us with minimal effort, so we believed our loan to be in forbearance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
Company: Diversified Consultants, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I was called on XX/XX/XXXX about a XXXX debt for XXXX. They refused to identify who they were on the initial call to me. Advised not to call me again. Called them back spoke to woman who discloses the debt without mini XXXX first and did n't disclose what company. Asked to speak to manager and advised why transferred me to a general voicemail. Called back 3rd time advised never had XXXX and he hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The problem is, Bank of America withdrew from my Savings account, rather than my Checking account, like they had been. 

On XX/XX/2019 I used BOA 's Bill Pay software to withdraw from my account labeled ESL. Their software correctly withdrew from my ESL Checking account. 
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I continued using their software to withdraw from my ESL checking account. 
On XX/XX/XXXX, after making no changes, BOA 's software decided to withdraw from my ESL Savings account. 
I had the cash in my Checking account, but not in my savings account. 
Because of BOA 's random decision to withdraw from Savings, the withdrawal failed. And, BOA charged me {$25.00} for their software mistake, and my ESL bank charged me {$74.00} ( two NSF fee 's )

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 2020-07-31
Company: PNC Bank N.A.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XXXX Attempted to initiate a wire transfer from PNC Bank to XXXX XXXX XXXX XXXX. 
The PNC wire transfer department went through a complicated process to verify my identity. 

XXXX PNC called to say that wire transfer was delayed because of a problem with the information on the wire transfer form. I resubmitted the wire transfer form through a secure email. 
Later that day, they said we have to submit the wire transfer form through online banking. We tried to set up online banking, but PNC said we need a PIN number. We applied for the PIN number. 

XXXX I called an found out that PNC cancelled the wire transfer because we did not send the secure message through online banking. I never received the PIN in the mail, and we found out that PNC sent the PIN to the wrong address. PNC refused to help us and to send the PIN to the correct address. We are out of State, and the branch can not help us over the phone. 

I think PNC Bank should be more sensitive in this time of Covid-19,  in particular. No one will help us. Please submit our complaint, and I will also submit a complaint to the Michigan Attorney General 's office. Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: EQUIFAX, 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:
To whom it may concern ; I have recently requested that Equifax provide me with proof of my signature bearing in reference to a Chapter XXXX bankruptcy that is showing on my credit report. 

I have challenged XXXX XXXX in reference to this inaccurate, incomplete, unfair and Unverifiable Bankruptcy and their responses came back that it was verified. Recently XXXX agreed that they can not verify the information and have deleted the reported information from my credit report. 

Equifax indicated that they verified the Dispute with XXXX, and XXXX. XXXX deleted the information, and I am attaching their reply. XXXX has until XX/XX/2021 to complete their investigation. 

I also provided a copy of a letter From the XXXX Bankruptcy XXXX XXXX Pennsylvania explaining their reporting procedure to agencies in which was sent to me Via Mail which I was advised that they do not report nor do they validate and or confirm public records due to the Fair Credit Reporting Agency Privacy Law. Per FCRA 623 ( a ) ( 5 ) " IF the Credit Bureau can not Validate the information from the original source and or ( creditor ) than they must remove said information from the consumer files. 

Equifax received the complaint on XX/XX/2021 and indicated that they finished their review on XX/XX/2021 ( case # XXXX ). On XX/XX/2021 case # XXXX disputed the findings, and offered up that XXXX still validated the information, this case was closed on XX/XX/2021. How much investigation was made? They did NOT contact the source of the invalid information, XXXX. 

Again, I received nothing except saying it came back as verified without documentation of my signature which are violations. 

Equifax has failed to respond to the requested action with the proof on how this information was reported to them, and can not verify the source of the information, with proof of my signature as well. As indicated by the bankruptcy court, this is questionable reporting, and should be removed at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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/XXXX/XXXX i found an account from XXXX XXXX XXXX, XXXX that does n't belong to me on my credit 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 2021-09-24
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Check written on XXXX for {$6000.00} to XXXX XXXX for a mortgage payment mailed same day. Check was intercepted and stolen from mail and cashed with XXXX XXXX  on XXXX with payee altered to XXXX XXXX. 
Contacted Chase Bank fraud department and instructed to submit an affidavit detailing issue. Affidavit sent and receipt verified by Chase Bank. 
XXXX Police Department contacted and statement given : case # XXXX Detective XXXX. 
Response by Chase Bank is that because we do not have a carbon of the original check they will not reimburse.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-08
Company: WELLS FARGO & COMPANY
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: Was not notified of investigation status or results

Complaint:
I sent a letter to Wells Fargo on XX/XX/21 by certified mail # XXXX. It looks like it arrived XX/XX/21. Ive attach letter I ask company to validate debt. Letter I sent is attach I mean I do have that right as a consumer. I even included a copy of my if. And in return they company sent me a letter saying they couldnt find me in the system? So why is that my responsibility I sent the letter with copy of social and Id Im requesting deletion of this account for failure to validate debt.

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