BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-02
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXXXXXX XXXX  XXXX XXXX Date Opened : XX/XX/2011 Balance : {$11000.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

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 2023-04-10
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XX/XX/2023 Wyndham XXXX  in XXXX XXXX opened a credit card with a XXXX limit in my name without my permission. I was able to call the issuing bank and cancel the card but due to the fact Wyndham has recently had a class action lawsuit filed against them for this practice I thought it was best to make an official complaint.

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: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The Client CalledXX/XX/XXXX spoke with XXXX Employee # XXXX to explain payment was made on time and accepted by loancare, but the funds were not applied to the loan resulting in 30day past due notice. 
Was told to send email with proof of payment for XX/XX/XXXX via trace number to email address XXXX XXXXor loan # XXXX ... XXXX. 
Response from LoanCare XX/XX/XXXX Reference number : XXXX ... 4X Please use this ticket number in any correspondence with us. 
Subject : Loan # XXXX ... 7 proof of payment trace number XXXX ... XX/XX/XXXX Dear Valued Customer, Thank you for contacting us. 
To research this request we would need a copy of the cashed check front & back, or the electronic transmittal form from your bank. 

The Client provided Bank Fax with payment information on XX/XX/XXXX. 
There was not a response from Loancare. 
In a call to follow up on XX/XX/XXXX, the company claimed the ticket was closed for insufficient evidence by XX/XX/XXXX. 
This seems like an unreasonable short window to provide requested feedback. 
The company, myloancare, did not reopen the ticket to continue research when requested. 
The company did not take measures to communicate properly with the client. 
The company mis-represented delinquency while accepting money. 
The company using email correspondence, and left mailing address as response in to research file # XXXX ... 4X The company mailed paperwork on XX/XX/XXXX citing lack of response from the client, and inability to contact the client. 
The company did not respond to client inputs via email or phone inquiry Client sent another email request on XX/XX/XXXX.The email was sent via the online Loancare email customer service request on website. The Client included a PDF attachment in that email. 

There was no response from Loancare as of XX/XX/XXXX. 
The PDF contains the entire written trail of events and correspondence between XX/XX/XXXX and XX/XX/XXXX The Client issued a complaint via CFPB on XX/XX/XXXX. The PDF with written trail of events was uploaded to the complaint made at CFPB on XX/XX/XXXX, citing lack of communication in light of objective evidence and written response request.

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 2021-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 requested that Transunion provide me with the method that they used to verify two accounts on the credit file they maintained on me. They fail to do so. They sent a letter saying that the one items was verified and completely failed to say anything regarding the second item. Their response did not address what I asked for in my letter

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 2022-08-08
Company: Experian Information Solutions Inc.
State: SC
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:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following items which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX Balance Owed : {$990.00} XXXX XXXX XXXX XXXX Balance Owed : {$800.00} XXXX XXXX XXXX Balance Owed : {$3600.00} XXXX XXXXXXXX Balance Owed : {$0.00}

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 non-monetary relief
Consumer complaint received 2019-02-26
Company: Miller, Stark, Klein and Associates
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been receiving numerous calls daily about a debt owed by someone with my last name. I do not owe this debt. I have asked them repeatedly to stop, but they won't. They leave messages on my phone telling me that " I better take care of this debt ''. They imply that dire consequents will happen if I don't. These call have been going on for months. The last call was on XXXX XXXX. Some days I would receive more than one call. I know that these calls are coming from XXXX XXXX XXXX XXXX  in North Carolina. I also know that this law office has a " D '' rating with the XXXX. The calls come up on my answering machine with my local XXXX area code. Obviously, this is a trick to encourage me to answer the phone. I want to take action to get them to stop ; legal action if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: SLM CORPORATION
State: UT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In the summer of XXXX, I was diagnosed with XXXX. I called Sallie Mae to see if they had a program for people in my situation, who could not afford to pay their monthly bills, due to XXXX and XXXX. I was XXXX and working full-time was not possible. 

They were non-compliant, by being deceitful. Stating the only thing they could do for me was put me on deferment. I agreed to the deferment. Which, unbeknownst to me at the time of the agreement, increased my interest rate to 11 %. 

In XXXX of XXXX, I learned from Sallie Mae that there is a XXXX program that I was eligible to have applied for previously, but that no longer applies because I am XXXX-free.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
i am a victim of identity theft as previously stated

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-26
Company: CITIBANK, N.A.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Back in XX/XX/XXXX I was behind on my mortgage payment, I had a true hardship The amount owed as of my statement dated on XX/XX/XXXX was for XXXX. I went to a HUD approved agency I met with a housing counselor and they were able to assist me with reinstatement funds, the agency send a payment to Citi mortgage on XX/XX/XXXX for the amount of XXXX. On XX/XX/XXXX the check was returned back to the agency, they stated that they did not know what account to post the check to, the check was sent back XX/XX/XXXX and the check had the loan number circled, XX/XX/XXXX XXXX received notice from the foreclosure law firm that the loan was in foreclosure. and she was sent a reinstatement figure of XXXX with a due date of XX/XX/XXXX, XXXX was able to pay the amount on XXXX to stop the foreclosure, the agency never received the money hat they had sent of XXXX. I called Citi and they stated that the check was received after XX/XX/XXXX and that was the date that the foreclosure was filed. Called today and they can not tell me if the monies was posted on to my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
We deposited a check 42 days ago now the funds are still on hold due to a missing endorsement we have called and tried to get answers everyday and we only get the run around 42 days seems really excessive especially when they can not tell us what step of the process they are in or what their next action will be

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I'm glad to see that my report has been improved in numerous ways, including the deletion of certain accounts that I had previously disputed. However, there are a few accounts on my report that are fraudulent and the result of identity theft. I'd like to ask for your assistance in getting rid of the remaining few items on my report. According to FCRA section 605b, credit bureaus are required to remove or block any accounts that have been listed on an identity theft report. To prevent fraudulent information from being submitted in my report, I've included a few papers. 
XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00}

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 non-monetary relief
Consumer complaint received 2018-04-17
Company: Debt Recovery Solutions, LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hi, Im currently XXXX with the United States Military. On XX/XX/XXXX, I checked my credit report and noticed that I had a collection account reported in XX/XX/XXXX. The debt was reported by Debt Recovery Solutions as a medical debt from XX/XX/XXXX. I immediately called XXXX  to dispute the medical debt, because I was not aware of any medical debts. TransUnion asked did I contact Debt Recovery Solutions to discuss the debt. I advised XXXX, that I did not contact Debt Recovery Solutions at the time of our conversation. After disputing with XXXX, I called Debt Recovery Solutions, so that I could get a validation of debt emailed to me. The consultant at the company asked me for my social security number, in order to verify the debt. The consultant, then proceeds to advise me that they sent a letter to my address and had given me 30 days to respond, before they reported the debt to the credit bureaus. I then, advised the consultant that I was not in the United States and have been out of country since XX/XX/XXXX. The consultant then yells at me and states that how did I want to handle this. I then, advised the consultant that I was not in the United States and needed a debt validation emailed to me or mailed to my address back in the United States. The consultant advised, that he would send a letter to my address. Due to me being XXXX, I was not given a proper notice of any medical debt, nor was I given any validation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
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: Public record information inaccurate

Complaint:
On XX/XX/2021, I submitted a request to both Experian and XXXX  requesting that they remove inaccuracies from my credit file with them. The credit file shows the following " Public records concern legal matters associated with you and are gathered from courts and government agencies. '' and that the " US BKPT CT NY XXXX '' shows a " Bankruptcy chapter XXXX-discharge. '' However, per the bankruptcy courts, they do not report such information to the credit bureaus. XXXX has already done the right thing and removed this inaccuracy from my file so i dont understand why XXXX  and experian continue to harm my ability to obtain credit. 

All I request is they remove these items from my report immediately as this is inaccurate per the reasons stated above.

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 2021-04-10
Company: EQUIFAX, 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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint:
Chase Freedom Visa is changing the terms of my agreement including what constitutes a " cash like '' transaction. I would like to prevent the card from being able to make a " cash like '' transaction, but they informed me it is not possible to do. I then asked to reduce the cash advance limit to XXXX $ and they also informed that is not possible to do. My XXXX XXXX Visa has no problem setting the limit to XXXX . By not honoring my request, Chase is forcing me to cancel the Chase card and obtain a new card from another financial company, which will have a negative impact on my Credit Rating. The Federal Government should regulate Credit Card companies to force them to provide a means to disable unwanted ( features and fees ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
On XX/XX/2021, I submitted a request to both XXXX and Equifax requesting that they remove inaccuracies from my credit file with them. The credit file shows the following " Public records concern legal matters associated with you and are gathered from courts and government agencies. '' and that the " US BKPT CT NY XXXX '' shows a " Bankruptcy chapter XXXX-discharge. '' However, per the bankruptcy courts, they do not report such information to the credit bureaus. XXXX has already done the right thing and removed this inaccuracy from my file so i dont understand why equifax and XXXX  continue to harm my ability to obtain credit. 

All I request is they remove these items from my report immediately as this is inaccurate per the reasons stated above.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: PNC Bank N.A.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Tried multiple time to link my XXXX account to my PNC accounts to easily transfer money between them and PNC will NOT allow it! This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have been disputing with the bureaus since XX/XX/XXXX, some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX I decided to give the bureaus another chance and sent another letter to each of them, demanding they delete the inquiries that I did not authorize. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
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 submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have asked them multiple times to evaluate the debt owed. 
The debt owed does not match the original court complaint or the judgment. In fact there is no Judgment. 

Broken leases happen all the time due to unforeseen circumstances. In our case, we are members of the LGBT community and we were discriminated against, with our previous landlord. Upon receiving a Court complaint we spoke with the landlord 's attorney and we moved out prior to the Court system entering an eviction. 

Both the attorney, the landlord and the court system over step their boundaries. As a previous court employee the court prevented me from presenting my case resulting in a removal. However we did advise the attorney and the landlord we were not there we moved out of state. As a result of it, months later Hunter Warfield Inc comes collecting a wrongful amount based on the landlord s statement. The landlord is not entitled to such a high amount that has prevented me from acquiring rentals, resulted in being homeless and more. 

I am demanding an investigation of this company for violations of FDCPA rules. 
I am also demanding an investigation against XXXX XXXX, XXXX FL under XXXX XXXX XXXX.

Company response to consumer: Closed with explanation