BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-18
Company: National Check Resolution Inc.
State: CA
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/XXXX I received a call from National Check Resolution. The voicemail said that NCR was forwarded my account information from XXXX. They falsely stated that XXXX had a lien against me personally and against my company. I received another voicemail from NCR on XX/XX/XXXX, this time they threatened that they were going to begin an asset investigation on both me personally and my business for a debt owed to XXXX XXXX. As of XX/XX/XXXX I have not received any formal letter from NCR to validate this debt and they have not allowed me the opportunity to dispute this debt. Prior to these events, I had already sent two formal dispute letters to XXXX by certified mail informing them that this account was opened fraudulently as a result of identity theft. The first letter was sent on XX/XX/XXXX and XXXX received this letter on XX/XX/XXXX. The second letter was sent on XX/XX/XXXX and XXXX received this letter on XX/XX/XXXX. I did not receive a response to either letter. XXXX was provided A copy of my Identity Theft Report, A copy of my Lost/Stolen Confirmation Notice For My Business Account, and a copy of the FTC Notice to Furnishers of Information specifically calling out their responsibility to cease providing the inaccurate information to any nationwide credit reporting agency and ensuring that they do not attempt to sell or transfer the fraudulent debts to another party for collection. They violated my rights by selling this debt to NCR. In both letters I asked XXXX to please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining their findings and actions. Nothing was done on either occasion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
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:
I'm filing this complaint against the credit bureau today because I am a victim of identity theft which I've submitted my identity theft affidavit from the FTC with the credit bureau. They're items on my credit report that I have disputed that has been removed except for the public records. The credit bureau are claiming to have verified the inaccurate information as accurate but when proof is requested of how and with whom I have yet to receive any documents. I have contact the creditor directly and they provided me with a letter stating they do not submit any information to the credit bureaus. So my question is to whom was the information verified with and why haven't I yet received any documents with my signature of this account??? Because the accounts has been verified as my account and I would like it removed. 
I'm uploading my dispute letter I mailed back in XXXX of this year along with my security freeze confirmation letter, and the letter I received from the courts house.

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 2016-03-22
Company: General Motors Financial Company, Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
As I am checking my credit report I see that someone has tried to apply for a loan thru General Motor Finance using my SS #. And I am more than certain that is my ex-spouse whom I have been divorced from since 2006 and I have not given him any consent whatsoever to use my information. I have never applied for a car laan at General motor finance.

Company response to consumer: Closed
Consumer complaint received 2022-03-23
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX DELAWARE Docket # : 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was looking to open a new checking account online and chose Citibank because they were offering a bonus if you kept over $ XXXX a checking account for a few months. To be safe I kept well over that ever since I open the account last XX/XX/XXXX. Unfortunately, when I went to apply online three times in a row their website kept failing. Eventually, I got through to somebody on the phone and she said it would be no problem and she could open the account for me with that promotional code that was going on. I pulled a large sum of money out of another bank that I had and put it into Citibank immediately and did not touch it. I also set up direct deposit for a brief time since that was one of the requirements. I waited months and months and I never saw any promotional bonus added to my balance. I called Customer Service three different times and two different disputes were open, the customer representative advised me that I should have received the credit already and thank you for being patient. He would escalate this. The next person I spoke to told me that dispute was closed due to me not meeting the requirements then after reviewing it, they realized I did. They opened a second claim, and told me that they would contact me within 15 business days. No one reached out to me so I called again this past weekend, and they told me that the second dispute was closed and I did not qualify for the bonus money. The promotion was going on when I signed up or else I wouldnt have signed up and kept that much money in a regular checking account The only reason I had to do it on the phone is because their website was having an issue which they all have a greed on. I would like the hundreds of dollars that I should be promoted for oily keeping a large balance in my checking account as promised. I do not have the reference number from the first dispute but I do have the second one that I was told would be resolved. However, when I called today, they said absolutely not. This is completely wrong. Ive been very patient my last call before this weekend was on XX/XX/XXXX. Reference number citi XXXX. 

Their page statement : Open a new checking account in an eligible account package from XX/XX/XXXX through XX/XX/XXXX and earn a cash bonus of up to {$2000.00} after completing required activities. 
Simply deposit qualifying funds within 20 days of account opening and maintain your balance for an additional 60 days from the 21st day to unlock your bonus. 
Only New-to-Citibank checking customers can take advantage of this offer {$300000.00} OR MORE {$2000.00} {$200000.00} - {$290000.00} {$1500.00} {$75000.00} - {$190000.00} {$1000.00} {$30000.00} - {$74000.00} {$500.00} {$10000.00} - {$29000.00} {$200.00} Note : keep balance of XXXX to avoid $ XXXX  monthly fee

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 2015-09-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I had been disputing negative information on my credit report with the credit bureaus for over a year. In XX/XX/XXXX, I logged into my Credit Check Total account to review my credit report and noticed that Equifax had removed every single account from my credit report except for my dismissed bankruptcy and an account that had been illegally opened by my ex-girlfriend ( which is an account that I have been disputing both with the credit bureaus and with the creditor themselves ). 
I called Equifax and spoke with a representative over the phone and he had no idea what had happened or how to help me. He suggested that I send them a fax with a copy of my previous credit report that showed the information that needed to be re-added to my credit report. I had this information sent to them and it has been over 30 days since this information was provided to them. They still have not re-added these accounts back to my credit report and this has had a very damaging effect on my credit report. 
I do not know how this happened or what caused this to happen, however I would like for my good payment history and good credit history put back onto my credit report as I feel this is very unfair to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Addresses in XXXX and XXXX are not mine. I had an Ex wife in XXXX and my son in XXXX. I have lived in XXXX all my life. I lived in XXXX. for almost 40 years and in XXXX. for the last 15 years. Please remove these addresses from my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card
Issue: Billing disputes

Complaint:
I have submitted numerous stop orders to Chase regarding a charge of {$44.00} per month from XXXX XXXX XXXX XXXX. It is still being taken out after I submitted a charge back. I also contacted the company and they told me it was cancelled and I am still being charged. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Coinbase, Inc.
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Coinbase has locked my account which is stopping me from making any transactions. According to them, I registered in XXXX and am a XXXX, which is wrong. I am an American. When I upload documents ( ID, utility bills ) to verify that I am in fact who I say I am, the verification does not work. The only explanation I have ever gotten is that I am not being verified because my documents are not XXXX, which is maddening because my verification was to prove that I am American. 

This has caused me to lose hundreds of dollars because I have been unable to sell assets before the assets depreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
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: Investigation took more than 30 days

Complaint:
I issued a complaint regarding XXXX XXXX financial the account has been deleted from every other bureau but Experian. It has been past the 30 day timeframe and the company hasnt responded based on FCRA and Experians website failure to provide respond is grounds for deletion of the account Im just asking for justice and my voice to be heard. Please reference case # XXXX as this is the official complaint Experian has neglected responding to in timely manner

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 2016-08-26
Company: PNC Bank N.A.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
This complaint is connected to the first complaint I made in regards to PNC Bank. Today my mother and I received a call from an agent who works for PNC Bank. He was asking questions about what the complaint was about and he was using falsehoods and confusing lengthy statements to try to explain what the bank has been doing. When I closed my bank account ( which was in XXXX XXXX 's name and Social Security number since she used to be my payee but no longer is ) I said I closed the account due to " blatant fraud ''. 
A company named Simply Be, who uses comenity bank, has told me that my refund ( which is {$29.00} as opposed to {$36.00} due to shipping fees ) was sent to pnc bank and Simply Be says that it is not their policy to accept any returned money from PNC. PNC tells me that they never received the {$29.00} and if they had received it, it would go back to Simply Be and they will not mail out any checks for a closed account. The money was put into the account on the XXXX ( the PNC account ). The PNC account was closed on last Saturday. No one knows where that {$29.00} went.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Experian Information Solutions Inc.
State: WI
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:
I sent letters off on XX/XX/2022. Here are my tracking numbers ( Experian ) : XXXX. Tracking number ( XXXX ) : XXXX. Tracking number ( XXXX ) : XXXX. I want to remove personal information that I don't want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681, I have the right to privacy. Also, according to 15 USC 6802, no financial institution is to share my information to third parties. 

These are clear violations of my federally protected consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-29
Company: Experian Information Solutions Inc.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

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 2022-05-24
Company: Sentry Credit, Inc.
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They have continued to call me utilizing local phone numbers. I have asked them to not call me and limit all communication to writing. They are continuing to call me at least 1 time a day.

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 2022-05-24
Company: LAKEVIEW LOAN SERVICING, LLC
State: CO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I was reluctant to sign a loan modification really I was compelled to do when I didn't agree with any of it. I felt they've been dual tracking since I wasn't on the loan just the title I wouldn't have any rights once it went into foreclosure and I had to stay on top of it. 
I was in COVID-19 forbearance for 11 months I wanted to leave the forbearance period in XXXX ' and begin my regular payments XX/XX/XXXX ' although, didn't communicate it to the servicer until XX/XX/XXXX ', I had been waiting to hear from them with a loan modification to sign. They begin stressing me XX/XX/XXXX ' when they cut my initial approved 6 month forbearance period to 5 months therefore, on XX/XX/XXXX ' I decided to take my own action as how I wanted to come out of forbearance which was 10 months forbearance modifying the missed payments and giving them 3 of my regular payments to cover XXXX thru XX/XX/XXXX '. 
Nonetheless, it didn't matter they ignored what I said and told me to send the 3 payments then mentioned the loan modification as though they had it done in front of them. I didn't send them the 3 payments by certified check for 2 reasons. First I felt they were going to pay the latest of the payments missed keeping me in foreclosure status. Second I had to call back to ask if they would be able to sign XXXX Loan Servicing instead of Lakeview Loan Servicing because the signature on the certified check was non-negotiable, I was told they would just send them back to me either way and to deposit them back in my account. 
The loan modification should be just the amount of missed payments I would owe since insurance and tax escrow is in my regular monthly payments it would all be caught up paying the 15 months I owed the amount should have been {$19000.00}. The amount was {$48000.00} which goes as a loan to be paid by the maturity date. My principle went down although the 2 added together brings it to {$200000.00} when it was {$190000.00}. The interest rate went up a point from XXXX to XXXX saving me a whole {$120.00} a month giving them an extra more then {$1500.00} a month. They took all of my equity by adding more then {$13000.00} calling it now money they wouldn't work with what was best for me. 
I truly didn't know what to do before my 30 day deadline was up, I signed to rest assure I wasn't pushed into foreclosure. The whole thing is eating me alive with taking care if my mom age XXXX and XXXX large dogs foreclosure is/was not an option.

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 2015-10-14
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX on or about XXXX/XXXX/2015 on EQUIFAX. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Trying to get them to put my dads name on deed since house was paid off a long time ago. My dad dies XX/XX/21. Were trying to close estate

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 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Chapter XXXX Bankruptcy reference # XXXX has inaccurate reference numbers, inaccurate court locations, inaccurate date filled/reported on all three credit bureaus making information invalided

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 2022-05-24
Company: Experian Information Solutions Inc.
State: OH
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 Account, 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 a account without my written instructions. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

This account has late payments showing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2016-02-16
Company: JPMORGAN CHASE & CO.
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I deposited a {$700.00} check into my chase bank account XXXX/XXXX/2016 which I have had about 6 or more years. I also requested {$200.00} withdraw at same time via ATM. I was granted the {$200.00} and was taken out of my SSI which I recieved through direct deposit on XXXX/XXXX/2016. The receipt showed had a balance of alittle over XXXX dollars. The next day I went into bank and asked how long usually takes a check to clear, They said funds would be available at midnight. I didnt want to withdraw any till cleared. Wendsday XXXX/XXXX/2016 I went to withdraw my rent and electric out of bank wich would come out of my SSD the ATM wouldnt even let me do balance check told me to call customer service immidiatly, so I did, after talking to quiet a few different so called supervisors the last one told me they had put a restriction on my account due to check, didnt know if bad or not, but said all the sudden instead of positive I was negative {$200.00}. Which couldnt figure out due to it was from my SSI of XXXX. My XXXX is XXXX. I couldnt even access that even though was in bank. When went into bank to discuss head branch said m, y account would be closed XX/XX/XXXX and they would send me balance 10 days later by check. Really you close my account how am I going to cash my check. They didnt care I was on positive side, I could not access my SSD payment. I had to XXXX till could get money from my son 3 days later due to couldnt even withdraw XXXX dollars of my money. I know owe a late fee on rent and looking at eviction. They said it was because the check was for an item I was selling on XXXX and anyone associated with XXXX their account will be closed. It was a local personal check for the exact amount. after the fact found out it was NSF but they closed account before they even knew that. I am looking at electrical shut off. I am XXXX needless to say and need to know what to do.

Company response to consumer: Closed with explanation