BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-12
Company: World Omni Financial Corp.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Southeast Toyota Finance ( phone number XXXX calls my number 3-4 times per day asking for someone who used to work for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: Consumer Adjustment Company Incorporated
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 disputed accounts on my credit reports that were not mine. And the credit bureaus will not accept my dispute. These are the accounts they will not remove : 1 ) XXXX XXXX XXXX XXXX XXXX- {$300.00} Charge off accounts 2 ) XXXX XXXX/XXXX {$300.00} charge off account 3 ) XXXX XXXX XXXX {$33000.00} late payment account 4 ) XXXX XXXX XXXX XXXX {$520.00} charge - off account 5 ) XXXX XXXX XXXX {$260.00} charge-off account 6 ) CONSUMER ADJUSTMENT CO - {$910.00} collection account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I have been scammed by an Absconder and filed two police reports. XXXX police told me to work with PNC. I did work with them and everytime from the branch to the telephone persons all they told me is to file a complaint. The complaint that they said will take 3 days to dispute a scam most 99 % won't be able to do anything to me. I have been asking for explanations and they never call me back when they said they will. I have to put in request to be called then they called me with an attitude we are working on it when i recieved a letter a few days ago saying that they won't be able to do anything because it's 3 days dispute and they can't find anything. Of course nobody is able to do any investigation work in 3 days, not even the police can trace me being scammed that fast. I gave them all evidence, the absconder list, police report testifying me. Nothing comes from their end but just a half of a job to do a complaint, 3 days passed, well PNC is not able to do it because their process takes 3 days to dispute?. I told the only person that call me back why is he saying they are working on it when i already recieved a result he said well he doesn't have to go over any clients files before he calls. Well if you don't care why even bother to call? Because people complained so PNC give them a half answers and if they are not satisfied still, pnc would just call and lie that they are working on it when i receive a letter from the dispute department saying they won't help? But the on call person from the same department would call me still and lie to me that they are working on it, then got busted and keep saying basically bad luck, do you want to file another complaint? Is there ang other things he could do for me in a threatening voice. Even worse, when i want to speak to a manager at the branch, they deny it, i wiped all of my deposit box and money and they treat me disrepectfully saying that it's my fault and its not on PNC. Well, you are the keeper of my money, it is your job to keep it and protect it. Another time at the branch, branch representative told me file a complaint again won't do anything, it will just bounce back the time for the investogation and make it longer so just stop?. 

Helpless, i have to report them. Even if i lose my money, PNC lose a customer for 7 years who deposited more than XXXX in those years

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: ENCORE CAPITAL GROUP INC.
State: VT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
An account was opened in XX/XX/XXXX with a company called XXXX XXXX XXXX in amount of {$1600.00} in XX/XX/XXXX another company called Midland Funding purchased the account they put the account in collections in the amount of {$2100.00} I did not open this account. On XX/XX/XXXX Midland Funding brought me to small claims court. The Vermont XXXX XXXX in XXXX XXXX XXXX ordered the case be dimised without prejudice docket No. XXXX XXXX as of XXXX. XXXX XXXX Midland Funding and XXXX XXXX XXXX  will not remove the account from the three credit bureaus even after disputing them with the all 3 credit Bureaus and providing the court documents to the credit Bureaus because of this I am not being able to refinance my current home because it is affecting my credit scores. I have been trying since XXXX of XXXX to get this removed. I know it falls under the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had XXXX dollars taken out of my account over 2 days. I did not complete these transactions. I did not have my card on me. It was either taken or lost. I filed multiple reports with the bank on XX/XX/18, XX/XX/18, and XX/XX/18. These were denied. I filed a police report on XX/XX/18. I was told there was insufficient evidence to prove I did not withdraw the money out myself. I asked them several times to check the ATM cameras to see that it wasnt me completing the transactions. I filed 2 complaints with the XXXX XXXX XXXX  and finally got a response from the bank. After tge first complaint I was told by the bank that a male was seen on camera making the transactions. I am not nor have I ever been male. But I was told it was someone familiar to me and that the claim was being denied. They did not show me pictures of the male in question so I have no idea who it could be. I am being told over and over again that I am responsible for transactions I did not approve or complete. I don't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: Experian Information Solutions 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:
The following inquiries were made without my knowledge and need to be removed from my credit profile : XXXX XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX   Inquired on XX/XX/2020 XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2020

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 2023-05-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I need to temporarily remove a credit freeze from Experian in order to open a new bank account. I have attempted to log into my account with Experian using log in credentials that were successfully used to access the account in XX/XX/2022. Those credentials do not work to provide access to my Experian account. When I try the recover password option the Experian site says the account does not exist. 

Attempts to reach live customer support at Experian have been unsuccessful and the automated options are not helpful to me. 

I need a live person at Experian to help resolve this matter.

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 2022-07-21
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: Account status incorrect

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$3500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Request to close account on XX/XX/XXXX and XX/XX/XXXX last person I spoke to was XXXX  in XX/XX/XXXX about closing account. I completed all forms sent to me by XXXX XXXX XXXX, but the account still remain open with a credit of XXXX to my account that was never sent to me as a refund. A letter was sent to the company XX/XX/XXXX requesting the company to close the account in writing again by USPS. The company has failed to respond in writing by mail as requested.

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 2018-04-22
Company: GRANITE STATE MANAGEMENT & RESOURCES
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I went to XXXX XXXX  college in XX/XX/1995. The college went out of business and I never got a degree

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XXXX it states the I owe {$310.00} to collection that was past due to NATIONAL CREDIT ADJUSTERS , L.L.C, XXXX XXXX XXXX. The date opened was XX/XX/XXXX, however I was locked up from XX/XX/XXXX until now so the is a result of identity theft and I wanted it disputed but XXXX stated that the debt to collection remains

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Hello, I deposited XXXX XXXX XXXX check at Chase XXXX on XX/XX/2018 for an amount XXXX XXXX from my own XXXX account to my own Chase account. 

Check got cleared at XXXX and my money was withdrawn, I have a copy of the check and XXXX   transaction from their website that proves it. 

On XX/XX/18 I received mail from Chase that stated that they received a deposit to my name but the account is no longer active and I need to work with them to figure out what to do with money. 

I went to the bank branch and gave them an address to send a check, My account apparently was automatically closed due to inactivity. 

I never received a check from them and went to brach again : now they claiming that money was returned to XXXX. But XXXX has no information nor Chase provide anything that might help XXXX to locate the money. 

Basically, I am stuck between two banks. both pointing to each other. 

I can povide details such as name, account namber upon request. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: AmeriHome Mortgage Company, LLC
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Greetings, I recently refinanced my home ( closed in XXXX of XXXX ). My previous mortgage company claims they made a tax payment at the end of XXXX. The closing company for my new mortgage company actually made the payment ( see attached files from the county with XXXX XXXX referenced as the company that paid the taxes ). I wrote AmeriHome, my previous mortgage company, with a written complaint. It arrived at their offices on XX/XX/XXXX and I still have not received any written correspondence as of XX/XX/XXXX even though their website claims they will respond confirming the receipt of my complaint and address it. 

I have included the county tax records here showing that AmeriHome did not make the payment they claim they did. 

Thank you for your assistance, ( XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: First National Collection Bureau, Inc.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/20 I sent correspondence to First National Collection Bureau , Inc. stating that I was a victim of identity theft ( 08_07_20_Signed_Identity Theft Letter to a Debt Collector_First National Collection Bureau ). 
The letter was sent Certified Mail Return Receipt, and was in First National Collection Bureau, Incs possession as of XX/XX/20 ( XXXXFirstNationalCollectionBureau Return Receipt_item sent XXXX ). 
The letter explained to First National Collection Bureau , Inc that I am a victim of identity theft. In addition, the letter informed First National Collection Bureaus responsibilities under the Fair Credit Reporting Act ( FCRA ) ; which requires that debt collectors give an identity theft victim documents related to an account if the victim asks. 
First National Collection Bureau was asked to provide me with the records I requested ( XXXXSigned_Identity Theft Letter to a Debt Collector_First National Collection Bureau ). 
Again, First National Collection Bureau was in receipt of this request on XX/XX/20. The 30-day deadline for me receiving the required documents has passed as of XX/XX/20. 
Section 609 ( e ) ( 1 ) of the FCRA, 15 U.S.C. 1681g ( e ) ( 1 ), requires a business entity to provide an identity theft victim with application and business transaction records evidencing any transaction that the victim alleges to be the result of identity theft. The business entity must provide such records not later than 30 days after the date of receipt of a request from a victim. 
The FTC also has issued guidance to businesses seeking to comply with FCRA Section 609 ( e ). Each guidance document states that businesses must provide records directly to victims upon request.

It appears that First National Collection Bureau , Inc.s failure to provide the requested documentation does not comply with the requirements of the FCRA XXXX Therefore, please provide me with copies of the application for the account and the transaction records concerning this fraudulent debt. Relevant documents should include, but are not limited to, the following types of records : Application records or screen prints of Internet/phone applications Billing statements Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Signatures on applications and accounts Any other documents or records associated with the account Again, since I have not received these records, I believe your company is in willful violation of 609e. 
If you believe you are not required to provide any part of the documentation requested in this letter, please provide me with a written explanation of your position within 14 days of the date of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: BBVA FINANCIAL CORPORATION
State: FL
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:
I had a hard credit inquiry done by XXXX without my permission and knowledge, please remove this off my credit. It was done on XX/XX/2017.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-14
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:
There are accounts that are not mine on my credit report. Additionally, there are addresses that I do NOT recognize and my names aren't correct that are listed in my personal file. Please remove them immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are accounts that are not mine on my credit report. Additionally, there are addresses that I do NOT recognize and my names aren't correct that are listed in my personal file. Please remove them immediately. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
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:
This complaint is my follow-up process to ensure that the fraudulent items in my file are thoroughly deleted. 

Here are the items that needed deletion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$88.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$460.00} XXXX XXXX Balance : {$460.00} XXXX XXXXXXXX Balance : {$860.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3200.00} XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX  Reference # : XXXX Date Filed/Reported : XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XX/XX/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 2022-01-11
Company: EQUIFAX, INC.
State: MD
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:
My name is XXXX XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
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: Information belongs to someone else

Complaint:
it appears that my credit report has accounts that do not belong to me. I have submitted my Submitted my DL and SS # to the agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: BBVA FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have had resent issues with BBVA charging me extended overdraft fees. Im being charged {$23.00} a week. Despite unauthorized charges they refuse to dispute. The refuse to address how my debit card has got skimmed twice and how a new debit card I had replaced somehow for compromised before I was even able to use it. I was not charged the extended overdraft fees prior this is a recent occurrence. Im being charged overdraft fees for .99. Charges. Even when I have replaced my card some of the new charges have still processed on my debit card. I also had my savings recently closed after being told that they would freeze it avoids any further unauthorized ACH payments. I was told I could transfer or deposit money because the account was frozen. But I was charged extended overdraft charges weeks after it was frozen and right before they closed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: National Credit Adjusters, LLC
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
They have flagged me for no reason the account was close and taken care of as you can see in the attachments I sent.

Company response to consumer: Closed with explanation