BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-30
Company: PNC Bank N.A.
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was forclosed on my home and I did not get the support from HARP and I had several XXXX party agencies helping me. I had the home up for short sale for a year with a buyer at the onset of the foreclosure notice and the bank ignored it and gave me the run around. The home was foreclosed on and HARP did not compensate me with relocation funds and ignored all faxing and documentation that I complied to. This situation was an unlawful and harmful situation not only to my self ( now XXXX and mental strain caused by the situation at the time. my credit is distroyed )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: CBC Companies, Inc.
State: IL
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 have called this credit reporting agency about reporting this account issue in XXXX, They told me they don't go by the FCRA and they have to do their own investigation. I think that is XXXX! I am a " CONSUMER '' and they are just a reporting agency. the laws were set in place to protect me and my information. They sent me a XXXX  XXXX letter saying " they got a complaint but it doesn't seem to have come from me '' oh yes the XXXX it did!!! CASE ID # XXXX. Innovis is violating the law. They gave a weak excuse to weasel their way out of following the law or replying to me. IM not going to keep playing games and I will have to file court papers and get paid for these violations and the stress it is causing me everyday. I shouldn't have to write these complaint letters. REF # XXXX. Yes it me XXXX XXXX Innovis. Delete the XXXX negative item you are reporting. Or should I spell it out ... Read number ( 5 ) 1681c. Requirements relating to information contained in consumer reports ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 
( 2 ) Civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.

( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.

( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

So.. address the issue and delete the adverse information and don't tell people when they call in you do it you way, no you should do it according to the laws set in place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-15
Company: Oliver Adjustment Co.
State: MD
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:
I have attached the collection notice that Oliver Adjustments Co , Inc. sent to me yesterday. It is apparent by the address on the collection notice that all original bills were sent to the incorrect address as XXXX XXXX XXXX is not my address and there is no XXXX XXXX  in our entire county. 

I tried to discuss this issue with the original doctor 's office, but they refused to speak with me and Oliver Adjustment Co , Inc. has threatened to ruin my credit if this incorrect notice is not paid immediately even though all correspondence was sent to an incorrect address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
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 Capital One Auto Finance - Account XXXX, has violated my rights. ~ 15 USC 1681 Section 602 states I have the right to privacy. ~ 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions. ~ 15 USC 1666B : A creditor may not treat a payment a payment under and open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Early Warning Services, LLC
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was scammed by someone posing as a XXXX worker offering me a job opportunity. What happened was a check was sent to me containing {$3500.00}, XX/XX/XXXX I deposited it using my XXXX  mobile app and a few hours later, the funds were available to me. The scammer then had me send {$3000.00} of the funds to a " foster home '' through zelle and XXXX using bitcoin. {$2000.00} went to Zelle, and {$1000.00} went to XXXX. Then the check ended up being fraudulent, so the money was returned, resulting in my account having a value of - {$3000.00}. I contacted my bank and met with a representative, who then froze my account and told me to wait for 7-30 days so they can try to get the money back from XXXX. However, they stated that they can't take any action against getting money back from Zelle. I would likely need to pay it off myself once they unfreeze my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Issue Unable to get my credit report or credit score : Problem getting my report or credit score Describe what happened so we can understand the issue ... 
I signed up to Credit Check Total about 2 years ago and have been paying monthly due for the services of getting my credit reports and scores, last time i retrieved my report was on XXXX XXXX 2016 and when i tried getting my report today, i was unable to log in and it asked me to call which i did, and the rep asked me some security questions and then informed me that the date of birth they have on record does not match with what i told her now, and she said not to worry and we can get this corrected on her end and she put me through multiple questions which i needed to pick XXXX or say none of the above, when this was done she said let me put you on a brief hold and came back after a minute stating that unfortunately the information i gave them does not match and they best they can do would be for me to wait 31 days and then they can update the system, this is not the first time i hear this XXXX from this company, I had same issue with my wife 's account and my brother had this issue as well, the red flag here is that if i was able to obtain my credit reports time and time over for about a year+ after successfully enrolling in their program by providing all my info, how come that now all of a sudden the system has my wrong date of birth, was their system hacked? is it really that easy to get into their database and mess with people 's identity? or was it that easy to sign up to begin and they dont verify date of birth but release credit reports? 
This needs an in-depth investigation, this is not why we consumers pay hefty monthly fees to deal with companies who are not competent Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Experian Information Solutions Inc.
State: MS
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 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. ( I never gave XXXX permission to furnish any installment accounts on my consumer 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 explanation
Consumer complaint received 2022-07-22
Company: EQUIFAX, INC.
State: MS
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 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. ( I never gave XXXX permission to furnish any installment accounts on my consumer report. )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04
Company: Collection Bureau Services, Inc.
State: MT
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Received letter on XXXX/XXXX/16 from Collection Bureau Services Inc. Attempted to call them with no answer. Original creditor XXXX XXXX was listed, I contacted them and they said the debt was not in my name. Upon contact with Collection Agency was informed the debt belongs to my EX husband, informed them that we were divorced numerous years. Collection agency requested copy of dissolution degree to fax number XXXX, sent requested documentation on XXXX/XXXX/16. On XXXX/XXXX/16 this account is listed on MY credit report in collections!

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 2020-08-06
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: Was not notified of investigation status or results

Complaint:
I am unsure of who to or how to address this complaint. I disputed accounts with the credit bureaus. It's been over a month. Nothing back has been received. 

Can you get the credit bureaus to do some work? Several of these accounts are XXXX XXXX XXXX and some aren't even mine. Why are they on my report and why aren't the credit bureaus fixing it?

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 2017-02-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
I applied the wiretransfer by XXXX from US to another proper account in XXXX, but the destination bank refuse to accept the transfer because I did just state my first name ony but not first and second name. 
I was trying to call the wiretransfer of the bank and also the branch I have the account but just long time waiting. I had tried so many times but just waiting on the commuter. 
Now I am traveling in another country so I can not go to the branch personally. 
The amount is already debt in my origin acc but I cant receive it by the destination bank. 
I need to amend the beneficiarys name or ask to refund the amount to my acc. asap.

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 2022-07-22
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I am using Chase Sapphire Reserve and I have filed a Trip Delay Claim on XX/XX/2022 for {$500.00} using Card Benefit Services. They got back to me once asking for additional documentation I had originally submitted, which I have sent over promptly again. After that, they have disappeared despite my many emails and calls un-answered since then. Very frustrating experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not owe these collection companies and its damaging my credit. 
XXXX XXXX XXXX - {$720.00} XXXX XXXX - {$1100.00} XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX and XXXX XXXX XXXX XXXX XXXX XXXXXXXX $ XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX {$720.00} XXXX XXXX - XXXX $ and {$66.00} XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: Ad Astra Recovery Services Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
My credit report has a derogatory status per Ad Astra Recovery Service claiming I have a debt that is owed. I have reached out to Ad Astra to provide me verification of the amount claiming to be outstanding and have not received a reply within 30 days. I finally decided to contact Ad Astra once again. Spoke with XXXX. She told me that every time I send a dispute, it re-opens the file and the credit bureaus invalidates the update they send to them and reopens a new one. She said I have to give it full 30 days to be completely removed from all reporting agencies and has yet to be removed 6 months later.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I XXXX XXXX DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS INCARCERATED AND I DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS INCARCERATED AND BEING DETAINED I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE PROOF OF DETENTION AND INCARCERATION I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT. 
BEING DETAINED I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE PROOF OF DETENTION AND INCARCERATION I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a lil more explanation on. 
I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure 1 they are, I also read something called the fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681 ( a ) 7 I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted it they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation.

Please investigate the following accounts and remove them if anything is missing of not correct on them. 
Accounts Account Name : XXXX XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account name : XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

I also read where I can get the updated report after you investigate this from the Free Lawyer Guy. Could you please send it to me? Also, please let me know who had access to my file as I want the investigation outcome to be sent to my address I put on the from area Thank you for your time and help in this matter. 
Also I sent this same letter out to all 3 bureaus with no response on XX/XX/2022 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 2020-01-05
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: CT
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 XXXX is a fraud on my credit report with XXXX. These company or investors so both company refuse do delete inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
This Complaint is directed towards XXXX, Experian and XXXX. On numerous occasions I have sent disputes letters regarding a fraudulent Bankruptcy on my credit report on XX/XX/XXXX. The Bankruptcy reports being dismissed on my report, I explained it must have been an error. I sent a document from the court that they did not give them any information on a Bankruptcy case. On XX/XX/XXXX XXXX  removed a Bankruptcy off of my credit report and added the same day. I have enclosed screen shots from 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 2020-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXXXXXX XXXX XXXXXXXX {$110.00} XXXX XXXXXXXX {$100.00} XXXX XXXX XXXX XXXXXXXX {$5100.00} XXXX XXXX XXXXXXXX {$220.00} XXXX XXXXXXXX {$210.00}

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 2016-04-19
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
Navy Federal Credit Union is charging for a loan that I did not co- sign for ... they refuse to show the promisory note of the loan loan #. I contested the loan back in XXXX ( see attach letter ) They the credit reporting agency XXXX took it off. then they have put it back on I an not responsible for this loan. I filed an earlier clam, case # XXXX,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation