BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Previous Complaint : I noticed inaccurate information on my consumer report and requested an investigation into these items, but never received a response and it is to my knowledge that I should receive a response within 30 days. I submitted my initial request on XX/XX/2021 and today is XX/XX/2021, which makes it the 31st day, so I am demanding per the FCRA that these inaccurate items be removed. I've attached the original documents and will be attaching my Demand to Comply letter as well. 

New complaint : I've submitted an FTC report and attached it because the previous issues were not resolved.

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 2017-08-05
Company: LoanCare, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My husband and I make our mortgage payment every month, the payment is always made within the grace period. For the last two months we have been receiving a " delinquency '' notice. Did n't take the first one too seriously since the payment was made but since we got one this past month for our   XXXX   payment as well I called LoanCare to see what 's going on. The representative was very rude. Put me on mute when I was questioning the situation and said that I have no late charges if I have access to my account I can see this. I also work for a sub-servicer so I am familiar when notices are sent to borrowers. If a loan is not delinquent, and there are no late charges, how is this in compliance?!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05
Company: Experian Information Solutions 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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05
Company: Ideal Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have previously complained about Ideal Collection Services and their client XXXX XXXX. Fortunately, Ideal Collection Services have removed from other bureaus except XXXX. 

XXXX property finally admitted to the XXXX  ( see attachment ) on XX/XX/XXXX that the tenant XXXX XXXX XXXX XXXX XXXX vacated the premises on XX/XX/XXXX. Although they claim it was an eviction, it was an agreed upon move-out due to my notary public sign being a violation. I have the e-mail screenshot ( SEE ATTACHMENT ) of XXXX XXXX, the accountant for XXXX XXXX advising, " ... You have until this weekend [ XX/XX/XXXX, XX/XX/XXXX ] to vacate the premises. If you're not vacated, we will begin the EVICTION process on Monday [ XX/XX/XXXX ] ... '' Since I was moved out on XX/XX/XXXX PRIOR to the the weekend XX/XX/XXXX & XXXX, XXXX, there should not be ANY " EVICTION '' done and applied to my credit. 

I spoke to XXXX at Ideal Collection Services and he did inform me my file was in archives and should arrive by Thursday of last week XX/XX/XXXX. 

XXXX also advised that XXXX  had not sent them any requests or communications since XX/XX/XXXX, which is really alarming to hear that XXXX  was NOT doing their part in protecting the consumer and attending to my concerns. 

Furthermore, it is saying last balance updated on XX/XX/XXXX which is absolutely reporting incorrectly because this balance of {$5800.00} has been the same over these last 5 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Despite my feedback from Complaint XXXX, Experian keeps harassing me about my dispute of personal information that should not be a fact in controversy. Once again, Experian has chosen to send me updates on what I can already presume to be the one giving rise to the aforementioned complaint, closed without the lawful resolution of changing my birthdate without question or pause. My mental health has been so badly taxed, that I can not bring myself to state the facts as shown and showable in my photographic evidence of continued wrongdoing. 

Experian 's nonanswer in the previous complaint calls for enhancement of the charges beyond my corresponding argument therein. The fact that my birthdate _could_ be falsified stands as the biggest problem is.this matter ; my birthdate is static, and can not change at anyone 's whim ( even my own! ). By inventing controversy on impossible grounds, Experian terorrizes me and obstructs justice in matters of no concern to Experian, despite their assistance in thwarting XXXX XXXX XXXX University 's extortion attempt from earlier this year. Experian 's present obstructions distract me from even pursuing claims of extortion and malicious prosecution in a way that acts on the same XXXX, on which University personnel have terrorized and discriminated against me, and have allowed my student constituents to discriminate against me ( even prior to my election as XXXX XXXX XXXX, and as an appointed XXXX  XXXX during XXXX ). Despite Experian 's actions in doing the right thing in light of its own interests as a matter of consumer protection law, Experian 's misconduct at present reflects the United States ' deliberate indifference to the interest of justice, as concerns the University 's crimes against humanity. 

This action shall act shall have had the same effect as a cease and desist letter. Hence, with this complaint, I am prepared to charge Experian with tortious interference, and I order the United States in my authority as a member of the People to assist me in these matters for once. Federal insubordination can be cured by compliance and the institutional courage to admit the United States ' wrongdoings, and do its part to ( help me ) confront my wrongdoers ' unconstitutional behaviors violating my human and civil rights.

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 2018-10-02
Company: Key Mortgage Services
State: IL
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:
XX/XX/XXXX, I attended an event and was introduced to XXXX XXXX of Key Mortgages as a prospective lender to work with. We had a brief discussion where I asked him from the onset if he executes a soft or hard credit pull because I did not want my credit to be pulled without the appropriate planning. He indicated that he does a soft pull for pre-qualification and it would not affect my credit score. Later on XX/XX/XXXX, I sent XXXX XXXX an email ( attached ) refreshing our conversation. Thursday, XX/XX/XXXX, XXXX XXXX replied back ( see attached ). On Thursday, XX/XX/XXXX, at approximately XXXX XXXX  XXXX XXXX and I spoke via phone to discuss my needs. He took my information which included my address, SSN, DOB, etc. I assumed that he was acquiring the information to have when he would run my credit. XXXX XXXX never asked for consent or indicated that he was pulling my credit right at that moment and I never provided written consent authorizing XXXX XXXX to run my credit. Saturday, XX/XX/XXXX, I received notification that my credit score had changed because of a credit inquiry. When I investigated further I found out that XXXX XXXX was who pulled the credit. I immediately reached out to XXXX XXXX at approximately XXXX XXXX to inquire whether he pulled my credit. He indicated that he did and I expressed that I had no idea that he was doing so. Additionally, I expressed that when we spoke on XX/XX/XXXX where I inquired about whether he conducted a hard or soft pull that he said that it would be a soft pull and would not affect my credit score. XXXX XXXX said that he completely explained to me that he would run my credit. I expressed that I was clear that my credit would be accessed but I should be the one to  decide when that would take place and that it should be perfectly clear and he should be given consent from me to access my credit. XXXX XXXX then expressed that he was upset that I was contacting him early Saturday morning. I asked XXXX XXXX to look at things from my perspective as a customer and that if I knew that he was going to be pulling my credit I would not be reaching out to him to inquire and I only knew because my credit monitoring service alerted me. XX/XX/XXXX, I sent XXXX XXXX an email ( see attached ) requesting that he rescind his actions as an error. XXXX XXXX advised that it was not possible and that he felt that he completely explained that he was pulling my credit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05
Company: National Credit Systems,Inc.
State: OR
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:
XX/XX/XXXX, I XXXX XXXX XXXX moved from a " XXXX XXXX  '' managed low income apartment to another low income county managed " XXXX XXXX '' property. There was a case manager helping me pay fees and handle paperwork between both properties with full communication and address disclosure with forwarding information. 

Months later XX/XX/XXXX, after my move, I received a collections notice for {$55.00} for move-out fees from " XXXX XXXX  ''. The past due collections amount was due immediately to " National Credit Systems , Inc. '' I was fully reachable at the time of the move, and to pay the move-out amount due. At any time, XXXX XXXX could have reached through my case worker or at my new forwarding addresses. I had given them the address with my 30 day written notice of intention to vacate. 
I believe this was done out of negligence, and or fraud by both XXXX XXXX and the collections company involved. Getting any information or help from either of them was impossible. 

These actions did affect my credit and today, XX/XX/XXXX, I paid the full balance of {$55.00} online and will be watching to see if it clears my credit report. 

Additionally, my case worker and I made attempts to contact XXXX XXXX   only to be told the property manager couldn't handle it anymore, to call corporate, then told that I'd never provided a forwarding address causing them to have to send it to collections. That is all false!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: PNC Bank N.A.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am an executor of an estate. The beneficiary of real property under this estate is a " successor in interest '' of real property encumbered by a mortgage held by PNC Mortgage. I have provided PNC mortgage with all information requested to validate the beneficiary as a " successor in interest, '' including the Will of the deceased which clearly indicates that the beneficiary is the recipient of the real property. I have now spoken with at least 7 representatives of PNC and have gotten no where. 

PNC Mortgage insists that I as the executor of the estate need to execute a third party authorization form to grant the beneficiary access to the mortgage information. In accordance with the Mortgage Servicing Rules and effective XX/XX/2018, an Successor of interest includes a transfer to a relative resulting from the death of a borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: Netspend Corporation
State: FL
Product: Credit card or 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:
On XXXX XXXX at XXXX. At XXXX I used my personal debit card to load and put {$400.00} on a Netspend prepaid card. The cashier said to call customer service to register the card. The customer service was closed at that time. I called XXXX when they said they will be open they still was closed. Over the automated machine with netspend customer service I was not able to say my complete address and answer other related security questions to register and utilize this card. I have {$400.00} on the card and need to be able to use the money on the card right away. My number is 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 2018-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I had a unauthorized use of ID information I am in the process of filing another Police report. My bank account and credit profile have been comprised.The information is not information relating to any transaction by myself, I am attaching a copy of my ID and SS to confirm My Identity to the credit bureaus. It was an unauthorized XXXX bank account. I have never done business with any of these companies I don't know who they are : XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX I am requesting a FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency ( FTC ). THE FOLLOWING ADDRESS ARE NOT MINE PLEASE REMOVE XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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 2021-08-10
Company: Nationwide Recovery Systems, Ltd
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: Arbor Residential Mortgage LLC
State: NJ
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 have been Dealing with XXXX  who has taken over XXXX XXXX  regarding my credit report. XXXX shows the acct open past due in XXXX balance of {$85000.00} due. The mortgage was discharged in XX/XX/XXXX. 
XXXX XXXX will not update the credit bureaus as they state they did not put it on the reports

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a Citibank Priority Checking account under their promotional offer of {$700.00} cash bonus with a {$50000.00} deposit. 

On XX/XX/XXXX, I applied online to open 3 accounts with Citibank, one being a Checking account under this promotional offer I received a packet in the mail with all three account numbers. I attempted several times to fax the signature card, but never was able to receive confirmation so I ended up mailing the signature card and IRS W-9 Form. I was not able to fund my checking account via ACH ( from XXXX to Citibank ). I called a Citibank customer service about the problems funding my checking account and was told to WAIT until I received my ATM debit card. 

On XX/XX/XXXX, I received an email from a Citi employee about my signature card. I responded, and asked if my ATM card had been mailed yet. I did not receive a reply about the ATM card. 

On XX/XX/XXXX, I received an email my Accelerated Savings account was open. There was a note my ATM card would be mailed within 5 business days. ( Note, I did not have any issues funding the Savings account from XXXX to Citibank ). 

When I finally received my ATM card that for some reason Citi required to fund my Checking account online, I didn't have the PIN number also needed. Citi told me this PIN was mailed separately. 

When I received the PIN number I promptly transferred {$50000.00} into the Citi checking account. 

I maintained over {$50000.00} in the accounts I had with Citi for the required 60 days. 

After 90 additional days, I still did not receive my {$700.00} cash bonus. 

I contacted Citi, they claim I did not make my deposit within the 30 day timeframe, that my deposit was on day 31. A supervisor gave me the same excuse. The supervisor told me an appeal would take 45-90 business days. 

Citibank used surreptitious business practices to delay a consumer 's ability to promptly fund a qualifying account in a timely manner, thus denying a promised cash bonus. 

*Citibank provided a fax number that did not work *Citibank delayed providing needed ATM card *Citibank delayed providing needed ATM PIN number *Citibank provided inadequate communication regarding account Signed, 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 monetary relief
Consumer complaint received 2018-04-04
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
Equifax is reporting an old Inquiry from XXXX XXXX dated XX/XX/2016 that is beyond the two year required length of time for it to remain on the report. I attempted to contact Equifax directly but they keep responding stating " Please be advised that inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor directly. " How do they know that the inquiry is indeed factual? The law is very clear on this matter, the information must be verified. It can't be shrugged off, they have to investigate the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE HAD A CHANCE TO TAKE A LOOK OVER MY CREDIT REPORT AND CAME ACROSS AN ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THE ACCOUNT IS AN OPEN ACCOUNT THAT IS ONLY REPORTING ON EQUIFAX. THE NAME OF THE ACCOUNT IS ( XXXX XXXX XXXX XXXX. THE ACCOUNT IS NOT AFFILIATED WITH ANY TRANSACTIONS THAT I HAVE MADE. THIS IS ALSO CAUSING MY SCORED TO DROP EVERYTIME IT REPORTS LATE. I AM ASKING THAT YOU PLEASE LOOK INTO THIS MATTER SO THAT IT CAN BE RESOLVED IN A TIMELY MANNER.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: CMRE Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have disputed this collection account four times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and the results remain the same. This collection account is from a medical debt by XXXX XXXX XXXX in XXXX, Illinois. At the time I had insurance and provided insurance to the hospital. My insurance sent me my explanation of benefits and it stated I was responsible for {$1200.00}. However, CMRE Financial Services and XXXX XXXX XXXX have a collection on my credit report for {$7500.00} which is a violation of my rights per the Fair Credit Reporting Act and The Illinois Balance Billing Law. This company has been reporting false and illegal information and have damaged my credit report by trying to make me pay something I did not and do not owe. They have been reporting failed/late payments since XX/XX/XXXX and I demand they be removed from doing any further damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Wells fargo may have charged my account in unnecessary overdraft fees since 2011

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