BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-24
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have never filed bankruptcy and was out of the country for a period of time. I realized bankruptcy entries on my report and contacted Experian to verify and delete this entry. They refused and asked me to contact the court. I called them and they advised they did not send this data or verifying this information. I believe they are relying on third party information that is inaccurate. I asked them for a method of verification and they have refused. After multiple attempts, this is my last attempt before I pursue legal action in the courts for their continued willful non-compliance that has caused me harm FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) states : " if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of the information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available. '' FCRA 611 ( a ) ( 7 ), states : " A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. '' Since they claim to have verified this with the courts ( the original source and where they need to verify ), I am requested this information within the timelines stated by the FCRA. 
I am attaching a copy of the courts response and their stance on credit reporting. I expect them to furnish the CFPB as well with this information so they do not disguise a letter as sending it to me directly. I want this documentation for the record in case of a legal action.

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 2020-10-31
Company: Experian Information Solutions 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:
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 Addresses XXXX XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$3100.00} past due as of XX/XX/2020. 
Account TypeCollection Balance {$3100.00} Date XXXX Dispute Revolving Accountsshow tooltip button XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$170.00} written off. {$170.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$170.00} Date Opened XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$250.00} written off. {$250.00} past due as of XX/XX/2020. 
Account TypeUnsecured Balance {$250.00} Date XXXX XXXX XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusRepossession/Never late. {$16000.00} past due as of XX/XX/2020. 
Account TypeAuto Loan Balance {$16000.00} Date XXXX Dispute XXXX XXXX  XXXX XXXX XXXX, TX XXXX SINGLE FAMILY

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: FIRST NATIONAL BANK OF OMAHA
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have had a credit card with XXXX XXXX XXXX for several years, since XXXX. I have exceptional credit, and I would use my {$13000.00} credit limit for my XXXX company, where I would average about {$10000.00} monthly in usage. I missed a payment of {$23.00} for XX/XX/XXXX, whereas my bookkeeper simply missed the payment, or potentially two payments. Either way, I have been an excellent consumer and credit risk for FNB Omaha XXXX XXXX XXXX, and I ask for a one time courtesy on the late payment ( s ) and a reinstatement of my card. I will place an automatic payment on my card. My company generates over XXXX in business annually. I have excellent credit and desire to keep it that way. I'm requesting full reinstatement and apologize for this misunderstanding. 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 2019-03-09
Company: EQUIFAX, INC.
State: FL
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 wrote each bureau regarding accounts that are currently reporting to my credit that are a result of identity theft and are not mine. In my request I asked them to remove these items due to them being a result of identity theft, and they have not done so and they have not responded. 

XXXX are reporting the following fraudulent accounts : XXXX XXXX, XXXX XXXX XXXX , XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX Equifax and XXXX are reporting the following fraudulent accounts : 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 I then asked them to provide proof that these were my accounts due to them not having removed them and they did not respond. Both failed responses exceeded the 60 day standard timeframe it takes for them to respond.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-24
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I started my direct deposit which will starts on XX/XX/20. I figured since I close out my other account I would setup my PNC account to my XXXX XXXX so that when my XXXX daughters who are in college need money I can get it to them quickly. Now, its blocking me from linking my account. I'm very unsatisfied and if I'd known that I could not link my account I would have stayed with my prior banking institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM
Product: Credit card
Issue: Delinquent account

Complaint:
I have dispute various inaccurate reporting on my credit reports that were never resolved. I disputed some late reporting from Capital One Bank, XXXX, XXXX, XXXX and XXXX with these creditors themselves and also the XXXX major credit bureaus ( XXXX, XXXX and XXXX ) . The creditors violated the Federal Law by not sending me a mail 30 days after inserting the negative marks on my credit reports.I used the Law to call them on it but instead they only sent me a bunch of old statements that did not address the problem. Furthermore the credit bureaus told me they will not investigate these items anymore that the reporting was accurate.I also demanded they ( the credit bureaus ) send me the XXXX forwarded to the creditors and the AUD`s received back from the creditors and that never happened. All of them just flat out ignored my request. Also the answers I received violated the 30 days they were allowed to answer me back.They ( the creditors ) failed to prove they violated the Law and I believe they did not conduct any reasonable investigations. I need the CFPB to get in the bottom of it and make sure they abide by the Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: TrueAccord Corp.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received emails and letters from Debt collector from XX/XX/XXXX until the present. I have requested validation via email and certified letters for validation of the debt. 
Dates request validation : XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX the debt collector states they have received a dispute and will stop collection under debt is validated, I have not received anything showing validation. They keep emailing and calling me ; also they have placed the debts on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: World Acceptance Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I was reviewing my credit bureau reports and noticed many inaccuracies and items that I did not recognize. I disputed this is reporting negatively to my bureaus on multiple occasions. The last time was XX/XX/2017. I have made numerous request for them to provide documentation ( i.e contract or agreement of obligation to pay ) with my signature validating that this debt belongs to me. They have refused to provide documentation verifying the debt that they are trying to collect is mine. I have given them more than 30 days to get back to me. This creditor refuses to validate this debt, and is continuing to negatively report me to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened a savings account with HSBC bank XX/XX/2020 online. I made 2 bank to bank deposit transfers to the bank. Which took longer than expected to complete. Once the money was in, I would log into my online account from work and cell phone every few days just to check for normal activity. Then at some point in early XXXX I received a phone call regarding my account. I was told that there was unusual activity and they would like to ask me some questions regarding when the last time I logged into my account was, where I was logged in from, what my social security # was, etc. I thought this was very strange. I asked what the problem was, and I was told that my account had been accessed from a remote location outside of the XXXX area. I was eventually told that someone from the XXXX had accessed my account. So, I took a step back and asked if this may have anything to do with the XXXX XXXX service I use on my web browser while at work. I explained I have it enabled on a single web browser and only use it while at work. I asked that if that may have flagged the account unintentionally. I was then asked where my deposits came from and I explained I transferred them from my personal XXXX XXXX XXXX  account and that I could provide any and all proof of my identity if needed. I was told that was not necessary and that the account would be closed immediately, and all funds would be transferred over to the originating bank, which I said was completely fine by me, since that was MY account anyway. I asked how long the funds would take to transfer and they said 10 days. So, I thought to myself, no problem as long as they send my money back, no harm done. So, I wait a full 11 business days and still nothing had arrived in my XXXX XXXX XXXX account. I was really becoming agitated at this point and decided to call HSBC and demand answers regarding the money they are holding from me since it was several thousand dollars. The representative I spoke with said that HSBC would send funds after they deemed it necessary and 10 days would be the minimum amount of time. So, I demanded he provide me with any and all info relating to my account, account #, routing #, where funds had been sent. The man refused to provide me this info and told me it was all at HSBC 's discretion on what to do with the funds. I asked that I be sent information via email or regular mail regarding the current situation surrounding my deposit money. He said that is up to HSBC only and they will decide how to move forward at their discretion. HSBC has essentially stolen my hard-earned savings money that I no longer have access to. I am extremely upset and demand they transfer all my money back to my XXXX XXXX XXXX account. It's now been over a month that my money was taken without any valid explanation and NOT returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: Ditech Financial LLC
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Escrow payment went up and I made a payment for the old amount ( accidentally ). I realized the error of my ways and paid the added escrow amount. During the time I made the XXXX payment and the XXXX for the escrow account, the bank did not apply the payment to the mortgage. I called to register a complaint about this practice and the agent put me on hold as he tried to figure out the issue, though I already explained to home what happened. Once he called someone to figure out what I explained, he tried to explain to me what happened, which was not accurate. He said they did not hold on to my payment and not apply. Then he realized the error and explained it correctly. I asked repeatedly to register my complaint and all he wanted to tell me is that is how the process works. I even said I was going to the CFPB and he still would not acknowledge filing my complaint. Throughout all of this he said if a customer makes an overpayment that they will not apply the funds to principal until a full payment is made ( principle and escrow ). Th is not acceptable for a bank to hold on to funds when they should apply to the outstanding balance. It is also not acceptable for someone to have to spend XXXX trying to log a complaint and receive push back from the telephone agent. He made a bad experience worse

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: Experian Information Solutions Inc.
State: SC
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 Reporting Act, XXXX 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 explanation
Consumer complaint received 2018-01-10
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I made a withdrawal for the amount of XXXX from coinbase on the XX/XX/2017 and i still have n't received it XX/XX/2017 which is way past the date advised. i have tried to contact them via a support ticket and XXXX but they have failed to respond, its seems many people are having the same problem and i worry they may be struggling with liquidity problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a handbag online on XXXX on XX/XX/2021. When attempting to contact the seller regarding shipping and delivery information, the seller was immediately unresponsive and no longer a seller on XXXX. I attempted to cancel the purchase, and was unable to. I escalated the issue to Paypal credit because purchases are supposed to be protected through XXXX. I was also given erroneous shipping information via XXXX. I also checked the ring camera, and there is no evidence of delivery. The product never arrived, and I have been disputing this issue for months without a definitive resolution. I have been scammed by the buyer, and both XXXX and Paypal Credit ( Synchrony Bank ), are not responding. I am a customer who has been scammed, and should be protected by Paypal Credit and Synchrony Bank when these types of situations occur. I am current on my payments to Paypal Credit, and they are not protecting me as a loyal customer and consumer. Please help!

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 2015-07-21
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My home loan has been under a modification program as of XXXX/XXXX/2015 with our previous lender, the loan was then transferred to Green Tree Servicing LLC in XX/XX/XXXX, since then they have failed to honor the terms of the program. I filed a complaint with the CFPB ( Complaint No. XXXX ) and received a response, and disputed the response. The terms of the Modification program state no payment is to be made until XXXX/XXXX/2015, and due to all of the problems ( including letters from an attorney stating escalation of foreclosure ) I was in the process of trying to complete mortgage refinance documentation with another lender when they informed me that Green Tree had filed a negative report on my credit report stating my loan is over 180 days past due. I have had to spend numerous hours, resources, etc. following up with Green Tree to offset foreclosure measures, documentation inconsistencies, etc. I am aware of their unfair and unethical business practices as of the most recent XXXX fine imposed against them for these deceptive business practices and do not wish to continue my business with them, however until they report back to the major credit reporting agencies that the information they have reported against me is incorrect I can not move forward. Please help, continually having to gather information and file complaints is getting cumbersome and I do not have the time to keep making this lender do the right thing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX ; XXXX XXXX XXXXXXXX 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 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 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 XXXXXXXX Balance : {$1600.00} CONSUMER ; XXXX XXXX XXXXXXXX Balance : {$5900.00} ; CREDIT XXXX XXXX Original creditor : XXXX  XXXX Balance : {$100.00} ; XXXX, XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX & XXXX Original creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : {$160.00} ; Medical XXXX Balance : {$240.00} ; Medical XXXX Balance : {$160.00} XXXX XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$51.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX, XXXX ( XXXX XXXX is reporting that I owe it {$2400.00}. XXXX claims to have purchased a debt I owed to XXXX XXXX XXXX XXXX. However, every time I request documentation proving that XXXX bought a debt I owe I get nowhere. The letters that XXXX has sent be state that it will not sue me for the debt which is consistent with XXXX not really owning the debt. If XXXX can not prove that it owns a debt I created it should not be reporting that I owe it anything to the credit reporting agencies. Please help. This should not be on my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: ACIMA CREDIT, LLC
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Ive reached out to Acima on numerous occasions to change my due date to correspond to my pay day and i was constantly on told my account numbers was wrong and they couldnt change it they was over drafting my account reporting negative to the credit bureaus

Company response to consumer: Closed with explanation