BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-27
Company: PNC Bank N.A.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Dear Gentlemen, the XX/XX/XXXX I went to the PNCBANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX. 
I canceled my acount completely with the help of Mr. XXXX XXXX email : XXXX. 

The XX/XX/XXXX the Estimated amount of {$3000.00} suposely has been transfered to my account in the XXXX XXXX XXXX XXXX but uptill now I have not received the money. 

XXXX : XXXX XXXX ( XXXX. 
Client Identifacation : XXXX ID Type : Passport Client Phone : XXXX XXXX Reference Number : XXXX at XX/XX/2018 My name is XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX . 

I wrote an email to Mr. XXXX XXXX XXXX So far not any answer!! 
I called the headoffice XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX They cant help me since its not possible for them to trace my expected amount of {$3000.00}. 

I kindly request you to help me out with this unfortunate metter, since the PNC BANK XXXX does not give me any answer. 

Awaiting for your answer due to this case I send you my kind regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
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 a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
EXPERIAN has been nothing but problems over and over and over again for me. I sent a dispute by mail in middle of XXXX ( see the attached letter ), They sent me on letter on XX/XX/XXXX ( See attached Notice ), that my dispute was not sent by me. Please tell me how you can tell me that my letter wasn't sent by me. It had my full information in the letter and on the envelope. This is nothing but a stall tactic by Experian to not process my dispute. Your bogus notice sent to me is incorrect and wrong. You still have 30 days to answer my dispute ( copy attached ), it does not start over with this complaint. If you do not I will file a claim in court for various FCRA violations along with proof anf the date you received my dispute. Again I have attached the letter that I sent to Experian, that you called suspicious and fraudulent and the notice you sent to me claiming it was. The clock is still ticking on the 30 day response no matter what your incorrect notice says. YOU ARE WRONG! You have 10 days to answer my dispute.

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 2020-10-24
Company: EQUIFAX, 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:
Looking over my credit report and notice there were fraudulent accounts that does notbelong to me and never authorized any contracts and business with these companies. Thefollowing accounts are listed below : 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 2020-07-09
Company: CREDIT ACCEPTANCE CORPORATION
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: Information belongs to someone else

Complaint:
i have filed much paperwork and made many phone calls informing the creditors of the mistakes on a recent report of mine. these account are not my doing, i have no knowledge of how they were open. theres one auto company claiming that i have late pays and {$10000.00} remaining on a balance. and a collection company trying to get {$950.00} from me for some reason. these accounts have many inaccurate details on me

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 2023-06-12
Company: Experian Information Solutions Inc.
State: CA
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 am getting multiple HARD INQUIRIES on my Experian app. 

XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am also getting denial for credit from others XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX I never made these inquiries.

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 2020-10-24
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$560.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on  XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$560.00} -This is not my account. 

-- CLOSED ACCOUNT 2. XX/XX/XXXXXXXX XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$0.00} -This is not 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 2019-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX XXXX collection XXXX  XX/XX/2019 reporting a judgement on my credit reports when these are not supposed to be reporting as law. Asked each bureau to delete due to law and send updated report to address.  No bureau deleted and no updated report sent to my address

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 2021-04-27
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: Investigation took more than 30 days

Complaint:
I initiated a dispute for incorrect items which were listed on my credit report. It has been well over 30 days and I still have not received any response or investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hi, I have opened an account with Coinbase and successfully went through their KYC process. I successfully linked my XXXX XXXX XXXX bank account to fund the Coinbase account. I purchased two Bitcoins and some other alternative coins without any problem. 

Three weeks ago I was unable to purchase any other coins because my 'buy ' option was XXXX. The error message said as such but without any details. 

I logged several tickets without success and received only once response which seemed like a robo answer saying the issue would be 'escalated '. This has been over a week and no further communication was provided. 

At this point, I simply want to liquidate my account with Coinbase but I am unable to do so and without any recourse. 

I currently hold about {$21000.00} dollars in digital assets in my Coinbase account. Without any recourse or ability to access my assets I consider them stolen. The fact that I 'see ' them in account without having any transaction rights does not change this reality.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XXXX, 2020, I requested a copy of the loan modification contract. Servicer 's are to comply with any servicing request, however Select portfolio Servicing has yet to comply. The request is quite simple, need copies to the loan modification contract i signed with previous lender. When a loan is sold or transfer to another servicing company, all contracts remain the same therefore Select Portfolio Servicing does have this information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Experian Information Solutions Inc.
State: OH
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-24
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am following up on my original complaint, # XXXX. The lender asked for some time to research the complaint and contact me with their findings. It has been 30 days since our last communication. I don't want my credit hit with negative reporting while waiting for a reply.

As stated in the previous complaint, I have a first mortgage that holds an escrow and pays my property taxes. This mortgage should have been in the second position and forgiven going back to early 2000, s.

Please contact me with an update in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/18 Consumer received a notification through a credit monitoring service that a New Hard Inquiry has  taken placed. 
A new hard inquiry with no applications made by consumer to have an inquiry.

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 2020-07-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
contacted visa for options due to expiration of {$500.00} reward card. called XXXX, mailbox was full. 
issued XX/XX/XXXX, expired XX/XX/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 explanation
Consumer complaint received 2022-10-04
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have noticed many incorrect and unauthorized items appeared in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: EQUIFAX, 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:
My identity was compromised and there has been numerous accounts have been open and inquiries. the fraudulent information i was able obtain is listed below. 



CLOSED ACCOUNTS : XX/XX/XXXX opened XX/XX/XXXX ( 3 yrs, 5 mos ) with a balance of {$2400.00} OPEN ACCOUNTS : XXXX XXXX - XX/XX/XXXXXXXX  Opened XX/XX/XXXX ( 8 mos ) with a balance of {$1000.00} AUTO LOAN : XXXX XXXX XXXX XXXX opened XX/XX/XXXX with a balance of {$8900.00} XXXX XXXX XXXX XXXX {$500.00} Balance updated XX/XX/XXXX Exceptional payment history INQUIRIES : XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Miscellaneous Reptg. Agencies Inquiry from XX/XX/XXXX XXXX XXXX XXXX  XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXnquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XX/XX/XXXX XXXX XXXX  Inquiry fromXX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX - XXXX  XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
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:
Past case : XXXX Auto lease with XXXX  inaccuracies in reporting several lasts payments between XX/XX/XXXX and XX/XX/XXXX. 
I have filed several complaints with XXXX, this is the 4th complaint. 

All three major credit reporting agencies are reporting late payments and negative information. 

XXXX needs to update XXXX, Experian, XXXX XXXX and all others that have inaccuracies due to their mistakes. 

XXXX has admitted to this negative data being a mistake yet time after time they have failed to fix it. 

XXXX continually closes case without contact with me. They dont follow through as they indicate they will upon a first call. 

Again- I am asking for all three major credit bureaus be informed of the mistake and the negative data removed. 

The first 3 complaints to XXXX via this method resulted in three different responses and promises to fix yet nothing has been done in over one year. 

XXXX  is being asked by me to NOT CLOSE this case until contacting me to explain the problems they are having. Im expecting them to perform by removing damaging and problematic False data from said reports.

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 2022-01-05
Company: Radius Global Solutions LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX Account # XXXX {$130.00} that I owe Account opened XX/XX/2016 I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 
I do not know who they are and have not written consent from my end. 
Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from XXXX and 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 2020-10-24
Company: Franklin Collection Service, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/ I was notified by Franklin Collections that I had a {$280.00} unpaid balance with XXXX XXXX XXXX. I informed them that I had filed a police report because I do live, nor had I ever lived, at the address of service. I also told XXXX XXXX XXXX in XX/XX/ when they began harassing me that I did not own this account contrary to my name being on it. XX/XX/XXXX XX/XX/XXXX could not verify me to discuss specifics on the account because I couldnt provide the address or phone number associated with the account. I have made several calls to XXXX XXXX XXXX and Franklin Collections, filled out fraud reports for both and sent in the police report. It is my opinion that XXXX XXXX XXXX is trying to collect twice on this debt. Once from the perpetrator of my identity theft and once from me, the victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The credit report agencies are all reporting and interpreting my students loans as late. I have been on a Income Driven Plan before and during the Pandemic. The reports show for a consecutive year of late payments of {$0.00}. 

My student loan accounts are in good standing with all my XXXX accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: Kinum, Inc., Indianapolis, IN Branch
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Around XXXX of XXXX I became aware of repeated charges ( as many as twice a day, in some instances ) from music and arts, I notified my financial institution of these fraudulent charges, which resulted in having my account number changed. I informed music and arts by phone of these fraudulent charges, and when I began receiving invoices by mail I would also write back telling them that this debt does not belong to me that this is not my account. 
XXXX XXXX XXXX XXXX I received a collection notice from kinum ref # XXXX for {$150.00} XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
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:
Past case : XXXX Auto lease with XXXX  inaccuracies in reporting several lasts payments between XX/XX/XXXX and XX/XX/XXXX. 
I have filed several complaints with XXXX, this is the XXXX complaint. 

All three major credit reporting agencies are reporting late payments and negative information. 

XXXX needs to update XXXX, XXXX, Trans Union and all others that have inaccuracies due to their mistakes. 

XXXX has admitted to this negative data being a mistake yet time after time they have failed to fix it. 

XXXX continually closes case without contact with me. They dont follow through as they indicate they will upon a first call. 

Again- I am asking for all three major credit bureaus be informed of the mistake and the negative data removed. 

The first 3 complaints to XXXX via this method resulted in three different responses and promises to fix yet nothing has been done in over one year. 

XXXX is being asked by me to NOT CLOSE this case until contacting me to explain the problems they are having. Im expecting them to perform by removing damaging and problematic False data from said reports.

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