BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-08
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX Account Number XXXX In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.S. C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-02-04
Company: Navient Solutions, LLC.
State: AL
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 attempted every ave I can think of. Navient refuses to remove me from the students loans procured by my ex husband. One of the loans are in my name as a primary and I never attend the school. This has caused me 15 years of bad credit scores because the payments are not on time or paid at all. I am not sure where else to go with this but Im hopeful someone will take the time to help me with this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25
Company: McCarthy, Burgess & Wolff, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Since XXXX of 2021 I have been receiving numerous phone calls from a company called McCarthy , Burgess & Wolf stating that they have been hired by a company called XXXX XXXX and that I owe a debt that needs to be paid. 

I have asked numerous times for the XXXX, XXXX XXXX McCarthy , Burgess & Wolff to provide me with proof that I am the person they say owes this debt with my signed signature pertaining to the matter. 

McCarthy, Burgess & Wolff continuously calls me and asks me for my attorney 's name and number and I don't know why. And they can't prove they have a contact with me.This account started out with a balance owed of around {$5000.00} and now I am receiving letters in the mail that the balance is now {$15000.00}. I am terrified and troubled with the financial XXXX and harassment they have added to my life. 

I have sent letters to all parties involved within the last 60 Days asking that this information be verified with me and I haven't received verification yet. This account needs to be removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The credit bureau is reporting inaccuracy on my report I asked them to do a thorough investigation and they did. But I also did a thorough investigation and found several inaccuracies on my report. 

XXXX Account Number XXXX In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.S. C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2021-08-24
Company: PNC Bank N.A.
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
See PDF letter and attachment. 

We would like to make a complaint about PNC National Bank wrongfully doing business and missing more than {$6000.00} of principal payments in our HELOC account. As a financial institution, how PNC mishandles customers money is unacceptable. 

In addition, between XX/XX/XXXX and XX/XX/XXXX, we have made a total of {$6500.00} principal-only payments. As of XX/XX/XXXX, our account shows the principal balance is {$140000.00}, which means more than {$6000.00} principal payments have disappeared.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: Coinbase, Inc.
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I created an account with coinbase about 2 months ago. I put some money into some virtual currency, and I also verified my identity through their system. I sent them all the information they requested, and I had no problem so far. I have not tried to access the account from different places or anything. However, about a week and a half ago I tried login into my account and I kept getting an error regarding my account being disabled until I provided more information. The error reads : Dear XXXX Your account has been disabled. Please contact us at XXXXXXXXXXXX immediately and provide us with a copy of a photo ID and proof of your current address to regain access to your account. Respectfully, The Coinbase Team I tried reaching out to them by the email mentioned there, but they had an autoreply that was directing me to a different portal. I contacted there twice. Three days after I got a response saying that they are investigating the issue. It 's been 3 days more and there is still no response. I email them back and they do n't reach back to me. I have no other mean to communicate with them. It is just really inconvenient that this happens right when the price of bitcoin is high. I feel like there is no other means I can use to contact them and I am not sure what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: Capital Accounts, LLC
State: FL
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:
Capital Accounts failed to notify me of any alleged debt with their office. The account appeared on my credit reports to my surprise. On XXXX XXXX, 2016, I authorized XXXX XXXX XXXX , XXXX to dispute the alleged debt with Capital Accounts. Capital Accounts failed to validate the debt in accordance with 15 U.S. Code 1692g.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AP
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2022-07-08
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:
I, XXXX XXXX XXXX, first contacted XXXX XXXX approximately on or about XXXX XXXX about an error on my credit report regarding an Auto loan. Despite repeated attempts, I have been unable to get them to rectify the situation. As a result, my credit score has been adversely affected. I did not give XXXX XXXX permission to run a credit check. I have not authorized this organization to access my credit report. This is a definite violation of my privacy rights. 

Additionally, I do not have an account with XXXX XXXX. XXXX alleged that I owe ( {$8400.00} ) That account does not belong to me. XXXX XXXX 's failure to provide original documents of the agreement in question has called the validity of the agreement into questionable. I tried to dispute it with ALL three credit bureaus, but I wasn't successful. This caused many delays towards my future endeavors regarding the future of my credit score. 

Three Credit Bureaus : XXXX XXXX XXXX ( Letter was sent three times ) No results TransUnion Consumer Solutions ( Letter was sent three times ) No results XXXX ( Letter was sent XXXX times ) No results XXXX XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX, XXXX XXXX XXXX, TX 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 2022-02-04
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have previously disputed with XXXX, XXXX and equifax on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
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:
Accounts on my report I dont recognize

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 2022-07-08
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The credit bureau is reporting inaccuracy on my report I asked them to do a thorough investigation and they did. But I also did a thorough investigation and found several inaccuracies on my report. 

XXXX Account Number XXXX In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.S. C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2017-08-17
Company: Experian Information Solutions 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:
XXXX incorrectly reported late payments on my account although it was in forbearance. In fact, the Consumer Financial Protection Bureau is in the process of suing XXXX as they have done this to other borrowers. Unfortunately, all three ( 3 ) credit bureaus are reflecting the incorrect 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 explanation
Consumer complaint received 2017-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX incorrectly reported late payments on my account although it was in forbearance. In fact, the Consumer Financial Protection Bureau is in the process of suing XXXX as they have done this to other borrowers. Unfortunately, all three ( 3 ) credit bureaus are reflecting the incorrect 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 explanation
Consumer complaint received 2022-02-04
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
Good Morning, I had a medical collection added on to my report back in XXXX of 2021 which I paid Immediately. The account is correctly noted as closed and settled but did not return any points for having been paid. When it was added, XXXX points was removed from my credit score and none were returned.

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 2018-04-05
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: AL
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 did not give XXXX XXXX XXXX XXXX and Castle Credit Co Holdings permission to check my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: South Coast Doc Prep
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Scammed by south coast doc prep on XX/XX/22 They called saying they could help forgive my loans and took personal information and then told me I could get {$30000.00} forgiven and just pay {$2000.00}. They could offer me this through the pay as you earn and public service loan forgiveness program. I would have to pay {$240.00} for 5 months and then {$77.00} for the rest of the time until I hit {$2000.00}. I have to make my first payment XX/XX/XXXX of {$240.00}. But I dont plan to pay because after doing research it is a scam. But they have my debit card number and social security and can take loans out in my name. Huge scam.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
This is a follow-up to complaint XXXX, regarding account fees charged without notice to an account that had become dormant. In their response to my original complaint, FNB changed their story and admitted that they had not sent statements following the dormancy of my account. They admit ( though they denied it on at least two prior occasions ) that their policy is not to send statements for dormant accounts. Thus they can begin charging fees with no notice to the depositor. This can not be acceptable to CFPB, can it?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: Fidelity National Information Services, Inc. (FNIS)
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: Old information reappears or never goes away

Complaint:
I am disputing a charge of {$320.00} from XXXX XXXX for the following reasons : -The item in question is not accurately reported -Bank did not notify of the accounts charge-off -requesting verified proof of the amount owed -requesting permanent deletion I disputed a charge for {$320.00} from XXXX XXXX  dating back to XX/XX/XXXX which appears on my ChexSystems Report. This account had payroll checks deposited from my then employer, XXXX XXXX XXXX XXXX returned. Checks were held for a period of 10 days due to company 's financial issues causing " XXXX '' a Pay Day Loan Lender to repeatedly attempt to collect funds from the account as payroll funds were held or even returned. The account overdrew to {$140.00}. I requested the bank not allow the PayDay loan company access to the account to allow me to pay them seperately as I learned my Consumer Rights regarding illegal PayDay Loans ( N.Y. Banking Law 340, N.Y. Banking Law 373 and N.Y. Penal Code 190.40 ). I was never notified of continued attempts to draw from the account once the balance owed was paid in XX/XX/XXXX. I am currently trying to open a Business Checking as is required by XXXX XXXX and XXXX XXXX Certification process and can not complete the process because of an inability to have XXXX XXXX  clear this from Chex. I called XXXX XXXX and was transferred to XXXX XXXX collection line at XXXX. The teller : -could not verify an attempt to make me aware of the accounts status -could not verify the amount owed -could not verify to whom the account was charged-off -will not accept payment due to age of the account I contacted the past employer to verify if any other final payroll checks had been reversed. The employer could not verify and offered to resolve the situation with XXXX XXXX for any *verified* amount resulting from a returned or outstanding payroll check. The Agency ( XXXX XXXX ) can be contacted at : XXXX XXXX XXXX or XXXX XXXX. When a request was made for where to direct payment, XXXX XXXX claimed that it " is not collecting on the account due to its age and can not apply payment. '' Documents supplied demonstrate that XXXX XXXX ( Past Employer ) " furloughed its remaining four employees ... .was in the midst of a financial crisis in early XX/XX/XXXX ... hired an outside auditor after depleting its line of credit and failing to pay bills. '' Requesting permanent deletion from Chex Systems. Without deletion, this report on Chex prevents me from certifying my business with New York State. An inability to complete my XXXX XXXX keeps me from collecting on current contracts which require a XXXX XXXX XXXX certification.

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 2017-08-17
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:
XXXX incorrectly reported late payments on my account although it was in forbearance. In fact, the Consumer Financial Protection Bureau is in the process of suing XXXX as they have done this to other borrowers. Unfortunately, all three ( 3 ) credit bureaus are reflecting the incorrect late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02
Company: Franklin Collection Service, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The Collection Firm of Franklin Collection Services Inc contacted me in writing that I owed XXXX for services that I did not receive. I therefore, send a letter asking for proof of service from XXXX and to show in detail what the service was for, address of service, type of service and dates of said service that they alleged that I had with a break down of monies that totaled the amount of debt. 



As a result of that communication ; Franklin Collection Service, sent me a letter with my name, masked SS #, my current address. The letter went on to provide very vague info, stating XXXX was the original debt with a address for XXXX and dollar amount of {$36.00} I contacted Franklin Collection Services and the agent stated that I owed the monies for internet services and that the debt was legitimate. I proceeded that they needed to provide me with proof and detailed break down of what the {$36.00} was for The agent at Franklin Collections call me a son of a XXXX and hung up the phone on me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: ALLY FINANCIAL 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: Was not notified of investigation status or results

Complaint:
I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : ALLY FINCL/ {$0.00} / XX/XX/2018

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 2022-07-08
Company: Rocket Mortgage, LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
During the Pandemic the Biden administration offered a mortgage abatement program for those who were affected by job loss as I was. I took advantage of it. 
When the plan expired I had completed the mortgage program paperwork to have the government send the money for the months I hadn't paid for to the mortgage company. The amount was about XXXX for the two years. 
Near the end of the of the mortgage program the mortgage company offered a loan modification to supposedly help me. We went through a trial period on the mod and everything was ok until they told me that I now could not recieve the money from the government because I was in a loan mod. This mod would take me from XXXX a month motgage to XXXX per month. This fact was never made clear to me up front, so I now feel like I was scammed. The paperwork for the government payment came in about this time and the mortgage company refused payment. Now they expect me to make a payment that I can't handle because I'm on a fixed income. I refused the sign the final paperwork on the loan mod because of this. However the mortgage company is following through as if I had signed the paperwork.

Company response to consumer: Closed with explanation