BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-13
Company: Experian Information Solutions Inc.
State: IL
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:
Hello My XXXX XXXX Credit Card was stolen in XX/XX/XXXX it is now XX/XX/XXXX and they are just not refunding me for the monies that was used they forgot to include one of the charges now they are showing late payments on my credit report I paid this account balance to to a XXXX balance In XX/XX/XXXX and XX/XX/XXXX as a result of XXXX XXXX mistake I now have to late payments

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-27
Company: Elite Financial Services, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX  XXXX agency has harassed me and ruin my reputation. XXXX XXXX  XXXX has also admitted to my claims. I have sent them a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had an incorrect ACH withdrawal made from XXXX on my PNC checking account. 

I spoke with XXXX and they gave me my options for addressing the situation. 
There were several, but the fastest one involved my contacting my financial institution ( PNC ) to resolve the problem through the Automatic Clearing House  procedures. 
They told me to specificall ask to " unauthorize the charge ''. Then they placed a forbearance to allow time to resolve the incorrect charges.This call took approximately 25 minutes. 

Next I called PNC to take care of this. I started with customer service and explained my request. First she stated that this was completely impossible, and that only the charger could unauthorize. That they could do so, but I would need to have them on the line. After that, I asked for the department to call directly so I could have XXXX do that. Approximate call time 30 minutes. 

I called XXXX, and I waited again on the line for XXXX. I spoke with a supervisor regarding the banks request. XXXX said they had heard many things from banks but this was a new one. THey passed me up to a supervisor.The XXXX supervisor told me that Federal ACH regulations allow consumers to unauthorize an incorrect charge within 60 days of charge being made, and that I should call back my institution XXXX time about 15 minutes. 

I called back PNC. I explained what I was trying to accomplish. THe agent said she spoke to her supervisor and the ACH department. They explained I could put a " stop funds '' request, but that since it was not 3 days prior to the charge that it would most likely not work. They said then after 2 business days I could request a refund and dispute the charge. I mentioned the regulations and asked her to speak again to her supervisors and they again said that whoever I spoke to did not know anything about banks and who was XXXX anyway! 

After another call to the supervisor at XXXX, where the supervisor gave me the error code and affirmed their ability to unauthorize and ach I tried one more time to PNC with no result. 

So I have now spent four hours on the phone today. 
I would like to report PNC for failing to follow Nathional ACH regulations ( at least as I understand them. ) The people I spoke to at PNC were, XXXX XXXX, XXXX?, with supervisor of XXXX XXXX, and a XXXX who they said worked with ACH transactions. 

My contact info XXXX XXXX XXXX XXXX XXXX, XXXX OH XXXX email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: DISCOVER BANK
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
on XX/XX/XXXX applied for a discovered card and approved. XXXX requested a deposit for the approval. XXXX ACH the funds on the XXXX of XXXX, an alert was sent from the bank. I immediately made contact with the DIscover bank. SPoken with XXXX regarding the issue. She stated as long as the funds were available, the approval still stands. Called a couple of days later regarding the withdraw of funds, I was later told i was denied. Spoken with a supervisor XXXX. Extremely nice and pleasant and went above and beyond to hear concerns. XXXX stated he will listen to the call placed between myself and the customer service rep. XXXX returned the call and stated he understands my concerns. Unfortunately, XXXX couldn't resolve my issue. The company failed to comply with the guidelines stated by XXXX XXXX. Requesting to resend offer. Today went through a pre-approval process and was pre-approved for a discover it cashback card. Applied due to conversation which taken placed prior, company immediately denied me. The company blackballed me for approvals due to the incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: Experian Information Solutions Inc.
State: MA
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 was going through my credit report and noticed same items that i been trying to dispute and validate with the credit bureaus ( XXXX, XXXX, and experian ), and the original creditors, debt collectors,  collections, etc, but yet to be resolved. I've attempted to contacted them several times through mail, and phone calls, but yet to get them resolved. I've haven't received any responses from them, and would like this to be addressed, updated, corrected and deleted. Although I understand that errors, and mistaken might happen, but would like a thorough investigation done and prompt resolutions.

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 2022-08-10
Company: Experian Information Solutions Inc.
State: MO
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 Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$600.00} XXXX XXXX XXXXXXXX Balance : {$260.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$150.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX MO 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 2019-01-18
Company: HW Holding, Inc
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hunter Warfield has placed an invalid debt on my credit report and it is causing major detriment on my ability to earn a living. Hunter Warfield is reporting that I acquired a debt with XXXX XXXX XXXX in XX/XX/2018. I am unaware of any debt I could have acquired with XXXX XXXX XXXX during this period of time. As the XXXX and XXXX of an investment conglomerate my personal credit directly affects my ability to provide for my family. Hunter Warfield has not supplied proper notice of this debt nor have they given me a proper opportunity to request validation of the debt prior to causing financial injury to me in the means of submitting the invalid information to the credit bureaus. Hunter Warfield has supplied incorrect information to all three credit bureaus XXXX, XXXX, and XXXX with the intention of causing the most damage to my credit report in attempts to extort money from me for a debt that is invalid. I have not received any billing statements or any proof of this debt prior to it being placed upon my credit report. If this is not corrected in 15 days I will pursue legal action with the XXXX County Courthouse for loss of wages and financial damages caused by their reckless pursuit of this invalid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: ERC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had cellular phone service with XXXX. I lived in XXXX XXXX  when I got the device and the service was ok. Not good. Ok. It never worked In XXXX XXXX XXXX which they attributed to a it being busy. Then I met my fianc. She is a XXXX. I moved from XXXX XXXX to XXXX to be with her after about a year of dating. I noticed I often had no bars of service in our home. I complained numerous times to XXXX  and it was always the same person. I believe his name was XXXX. Im not sure. Anyway XXXX told me the service was great in my area. Full of 4G. Maybe just my house was bad. Then one day I had no service at all. From XXXX to XXXX NJ where I work. The tower went down and remained down for over 8 hours. They told me at first theres no problems. Then there tech support on XXXX acknowledged that a tower was down. They credited my account only after I filed a complaint with the fcc. Then my phone stopped working in my house. A bill I have to lay out payments for every month. I filed another complaint with the fcc after getting no help from XXXX. XXXX contacted me again. When I voiced my displeasure I was told service isnt guaranteed indoors. Use WiFi calling. This is not how you resolve an issue. XXXX then credited me XXXX dollars. Then about a month later when I was at XXXX XXXX  in XXXX NJ I had no service again. This time my XXXX  girlfriend fell out of her XXXX  and couldnt get off the floor. She laid on the floor XXXX for over two hours because I had no phone service. I again spoke to XXXX  at which point I requested to be let out of my lease. I was told under no circumstances do we do that. So I I had no choice but to switch on my own to a reliable company. I returned XXXX device. The service and customer service was unacceptable. Then in the middle of the night they attempted to just charge my bank card on file XXXX dollars. I dont feel I should owe this debt. I must have filed 9 fcc complaints in 4 months living in XXXX NJ. XXXX never attempted to resolve anything. They just want to push you aside and tell you how great they are. Telling me to use WiFi for service indoors is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18
Company: Flagstar Bank, N.A.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Lost my home to hurricane Florence in XX/XX/XXXX. at that time was with XXXX mortgage. unknowingly my mortgage was sold to XXXX XXXX XXXX. to which i was never contacted about and i have been trying to get my money to fix my house from them. So after wasting my time filing claims with XXXX for several months I find out through them that my mortgage has been sold to Flagstar. Flagstar claimed all i needed was a final inspection to receive 95-100 % of my money gave me an inspectors number to contact 2.5 weeks ago and person never got back to me or my contractor to set up appointment. after numerous calls ( at least 10+ ) by myself & inspector to Flagstar & inspector I find out TODAY that this specific inspector has been a problem and  was fired. why was this never relayed to me during my numerous contacts with Flagstar? several times Flagstar told myself & my contractor that we would be contacted within 24 hours by an inspector & that NEVER happened! The last being 2 days ago. Flagstar has not tried to rectify my situation while I have roofers & contractor to pay for work rendered & and unlivable home in which I have been displaced from since XX/XX/XXXX. I am at my wits end and am tired of being taken for a fool! I need my money & my home put back together. It is not my fault that this company can not get an inspector out to my property in a timely manner it is the companies fault! This is my money to which I need NOW so I can get back into my home! Please help me thke care of this situation! Thank You 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 2018-02-24
Company: I.C. System, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am submitting a complaint, firstly here, then to the BBB, after this I will be seeking more aggressive routes as this is criminal in my mind, in order to hopefully get some kind of relief from the damage this company I C SYSTEMS has done to my credit. I have asked many times to verify the debt of {$1100.00} as well as show the contract that I have signed with them and not any other company. Without any proof sent to me. They have changed the dates on the debt. They have repeatedly reported it as new debt in my reports and I have watched my score drop at least 11 points each time that have done this. Most recently they didn't even wait a week before slamming me with this tactic twice. Which I will send proof of with this complaint. This damage will take me years to fix. I believe this is an illegal practice and not the least of which immoral. I don't know this debt. I will NOT pay this debt. I will not give any money to anyone that is trying to strong arm me. I have lost way more in time spent trying to repair my credit and interest rates due directly to their actions. This has been going on far to long.

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 2020-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I refer to the above XXXX  credit Report # XXXX dated XX/XX/XXXX a medical collection as follows ; ( Copy enclosed as Attachment 01 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . XXXX  XXXX CA XXXX : ( XXXX ) XXXX Account Number XXXX Date Reported XX/XX/XXXX Date Assigned XX/XX/XXXX Creditor Class XXXX XXXX Client Name XXXX XXXX XXXX XXXX XXXX Original Amount {$2300.00} Status Date XX/XX/XXXX Status Unpaid Date of 1st Delinquency XX/XX/XXXX Balance Date XX/XX/XXXX Balance Amount {$2300.00} Last Payment Date Whose Account Please note that the above medical collection is fraudulent and erroneous. During the time collection was placed I have an active California IEHP MediCal ( MC ) Insurance Coverage. See Attachment 02. 
Also I did not have any medical services rendered under XXXX XXXX XXXX XXXX XXXX during the year XX/XX/XXXX and 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 explanation
Consumer complaint received 2021-08-18
Company: OneMain Finance Corporation
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:
It a fraud I dont k ow this people never took anything from them or borrow anything from them I do t understand how this spear to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
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 had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Please investigate and remove them all. I claim Identity theft!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
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:
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. PLEASE PURGED ALL THE DISPUTED ACCOUNTS OFF MY CREDIT FILE, IT HAS CAUSED DAMAGE AND I WANT TO PREVENT IT FROM FURTHER DAMGE TO MY 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 2018-02-24
Company: CL Holdings LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Debt went to collections in XX/XX/XXXX and they have it as being opened in XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-20
Company: Brown’s New Credit Bureau Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Browns Collection Service violates the SCRA laws. My husband is listed as a co-owner on this debt and was called to XXXX XXXX service which should have rendered the payment to be less than 6 % interest. I have been paying 10 % interest for the entire time. When I call and ask about it, they say they do not have to honor SCRA benefits and admitted that it was above them, which means they have also been damaging other service members credit accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: WELLS FARGO & COMPANY
State: CT
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 balance transfer

Complaint:
For three months now I have had to call XXXX XXXX XXXX XXXX because they had a late fee on my account that wasn't accurate. After speaking with them it was determined that because I was paying on the XX/XX/XXXX of the month, it was too early and the payment wasn't being applied to the bill, I worked out with the company that they would apply the payment that was early, that the late fee would be removed and the billing cycle was to be adjusted to allow a payment on the first. Well a month went by and i got another bill, same problem, nothing was done to fix the problem. So i called again and spoke to a supervisor, they ensured and promised me that the problem would be resolved, that the late fee would be removed and the due to the way that everything rolled that I did not have to make a payment in febuary because I was ahead due to the early payment, I followed their instructions, here we are again, another bill with a missed payment because they gave me bad information, failed to follow through on their promises and failed to accurately resolve the issue in the beginning, on the second occasion, on the third occasion, and now I am not dealing with them any more, I need this company reprimanded for this.

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 2019-01-18
Company: EQUIFAX, INC.
State: WI
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 has improperly placed an invalid collection on my credit report, without even providing me proper notice of the debt or an opportunity to see its validity prior to credit reporting. They are attempting to extort money from me for a debt I KNOW TO BE INVALID by holding my credit report hostage. I have demanded proper debt validation from this company and requested the credit reporting cease until proper validation has taken place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-02
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Hello my name is XXXX i did wire transfer from my XXXX XXXX amount of {$5000.00} ( XXXX XXXX dollars ) on XX/XX/XXXX to COINBASE on my Friends Name : XXXX, next day on XX/XX/XXXX we received email from COINBASE that because of name on the Bank and COINBASE account different money will not be accepted and will be reversed within 7 business days. We still did not get our money reversed back to the bank and we tried to call them a lot of times and sending emails still nothing. Please help to get our money back we almost run out of savings.

Company response to consumer: Closed with explanation