BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-14
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: Account information incorrect

Complaint:
I purchased a vanity from XXXX XXXX on the credit card in XX/XX/2021. I ended up returning the vanity. I got billed a XXXX $ balance so I called to see what it was and they said I was charged a late fee and they would take it off. I was told my balance was XXXX XXXX The next month I was charged a late fee again. I called and they said it was a mistake and they would take it off. This continued to happen every month. In XXXX i closed the account in hopes the late fees would stop accruing but it didn't work. Every month I called and XXXX XXXX would tell me it was a mistake and they would take it off and the next month I would get charged a {$29.00} late fee. When I called in XXXX I was begging the representative to let me talk to someone that could help me because merely just removing it every month wasn't working. She finally figured out that every month I was charged a XXXX $ late fee I was also charged a {$2.00} interest fee that the other representatives were not removing. She promised me this would work. In XXXX i got a balance of {$25.00} which I was unsure of where that amount came from but it was low enough that I just paid it in frustration because I was tired of calling. That finally worked and I stopped getting fees. My credit score dropped over XXXX points over this and I disputed it online but nothing changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: John C. Heath, Attorney at Law, PLLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
XX/XX/2022 On Friday XXXX XX/XX/2022 I contacted XXXXXXXX XXXX to cancel my subscription the very next morning I sign on and was told I could cancel at anytime on or before within ten days and I ask for a confirmation number and was giving XXXX at XXXXXXXX XXXX  and XXXX XXXX they are trying to charge my credit card for a monthly fee which was told it was cancel.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX  {$5900.00} XX/XX/XXXX. 
Unable to verify or validation debt is owed or if there is an contractual agreement. Several Complaints to CFPB have been made. 15 USC 1611 is the criminal/civil penalty for whoever willingly furnishes fraudulent information. This needs to be removed. Irreputable damages have occurred because Equifax didn't do due diligence to see if the account was opened fraudulently. 

XXXX XXXX XXXX {$290.00} XX/XX/XXXX Unable to verify or validation debt is owed or if there is an contractual agreement. Several Complaints to CFPB have been made. 15 USC 1611 is the criminal/civil penalty for whoever willingly furnishes fraudulent information. This needs to be removed. Irreputable damages have occurred because Equifax didn't do due diligence to see if the account was opened fraudulently. 

XXXX XXXX XXXX {$6500.00} XX/XX/XXXX This is incorrect, payments have been made and haven't been honored. I can provide truthful accounting records. How can I only have a credit limit of {$1000.00}, but used {$6500.00}? How does that add up? 15 USC 1611 is a criminal penalty of a year and or a civil penalty of {$5000.00} per violation. If Equifax is to be a credit reporting agency then XXXX XXXX must be available at all time. I did not close the account because I am the creditor. 

XXXX XXXX XXXX XXXX {$15000.00} XX/XX/XXXX This debt has been paid in full. I have the documents proofing as such. This account was closed fraudulently.15 USC 1611 is another violation of my protected rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Regarding : Customer Name :   XXXX   XXXX   ; Checking Account Number :  XXXX  ; Bank : Citizens Bank NA On XX/XX/XXXX , 2017 Check  XXXX  was written payable to   XXXX   XXXX   XXXX   in the amount of {$200.00}. On the same day, that check was voided and check   XXXX   was written payable to   XXXX   XXXX   in the amount of {$150.00}.
<P/>
On  XX/XX/XXXX , 2017, both checks were cashed, thus putting the account ending in   XXXX   into a negative balance. I had called Citizens Bank and spoke to their representative  XXXX , who filed a fraud claim and reassured me that this would be resolved within 10 business days and that Citizens Banks would return my money to the account along with all the overdraft charges that resulted from their error. He noted that " Void '' was written clearly and legibly across the front of the check. He also told me multiple times that this was Citizens Bank 's error. The claim number I was given is  XXXX .
<P/>
I followed up 8 business days later on  XX/XX/XXXX . At that time, I was told it would take 8 weeks for Citizens Bank to refund me my money and that there was no way for them to expedite the process. They claimed that the fault was not theirs and that they had to verify that the check was indeed voided. I asked why this had to be verify as it was already on record that this check was voided, I received no answer.
<P/>
I called again on XX/XX/XXXX , 8 weeks after the voided check was cashed. I was told the claim was still open, but yet to be resolved. When I asked how much longer it would take, I received no answer. I have yet to receive the original {$200.00} back in my account, along with the {$70.00} in fees.
<P/>
On  XX/XX/XXXX , I received a letter dated on  XX/XX/XXXX , stating that Citizens Bank is not at fault, that this was a matter between myself and the payee. They refuse to refund me the money they withdrew without authorization in addition to the fees that resulted from the unauthorized withdrawal, thus going against their previous statements made on the record.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-14
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I am initiating another complaint because my prior complaint was NOT resolved at all by the bank, but their response seems to have caused the complaint to be marked closed. I did provide feedback on their response but I do not know whether that will have the effect of keeping that complaint active. 
To summarize, I issued a check to a business payee in XXXX, using the bank 's online XXXX XXXX system, which simply means the bank mails the check to the payee. The check was stolen and fraudulently endorsed. It's been two months since I brought it to the bank 's attention, which includes a delay of probably two weeks because the XXXX XXXX XXXX  mistakenly submitted a Reg E review, when what was needed was a fraud review. The bank 's fraud department has since been investigating it, and awaiting a response from the thief 's bank ( XXXX XXXX ). My complaint is that I should be credited by now for the obviously fraudulently endorsed check. What goes on between TD Bank ( my bank ) and XXXX XXXX ( the thief 's bank ), is between them. I am a customer of TD Bank and everyone from the bank who looked at the evidence easily agreed it was fraudulently endorsed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: Navient Solutions, 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:
C ompany placed this on my credit report and I do n't know who they are as all my student loans a re handled through Dept. of Education.

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 2022-09-14
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My PayPal account got permanently limited by PayPal on XX/XX/XXXX. However, I did not do anything that violate their rules. I just sold a second-hand cloth on an app called XXXX  because I need money, PayPal put that money ( {$410.00} ) on hold for a few days, and before I can get that money, they put my account on limitations, and I could do nothing to restore the account. I am so confused and they have no right to hold my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2021-05-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I am trying to close a savings and checking account and establish beneficiary IRAs from my deceased mothers accounts. I submitted the required documentation in XX/XX/2021 and continue to get nowhere with Bank Of America.

Estate services reference number is 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 monetary relief
Consumer complaint received 2018-06-21
Company: Experian Information Solutions Inc.
State: AR
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 5 accounts are reporting inaccurately.

The following were transferred to the XXXX XXXX XXXX/XXXX/XXXX  and was paid, closed, never late.

XX/XX/XXXX- {$2600.00} XX/XX/XXXX- {$1300.00} XX/XX/XXXX- {$3500.00} XX/XX/XXXX- {$3300.00} XX/XX/XXXX- {$980.00} These accounts are showing to be considered negative and at the same time showing in good standing.

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 2022-04-05
Company: PNC Bank N.A.
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:
PNC is actively reporting a line of credit as a defaulted and charged off mortgage to the credit bureaus. It is being classified as an M9 by the credit bureaus. After numerous attempts, there is no one individual at PNC who can navigate an issue from XXXX when PNC inherited the errors. 


I first spoke with Customer Service ( XXXX, XXXX, XXXX @ XXXX ext. XXXX ) and said I had the Recorded instrument with the Satisfied Stamp to prove the equity line was paid off in XXXX. One individual told me they arent XXXX XXXX but PNC, not knowing of prior mergers. All were unable to help and did not call me back. 

My second attempt with an XXXX XXXX was unsuccessful so I contacted a local branch with a Mortgage Broker office. There I spoke with XXXX XXXX ( XXXX ) XXXX. He informed me there was nothing that could be done and failed to provide any avenue to help resolve the error. 

Overview of error : With the many mergers ( XXXX became RBCXXXX XXXX then RBC Bank XXXX then PNC ) there was an error in the transitioning. 
The original credit line was opened with XXXX as an Equity Line for {$80000.00}. This was paid in full XXXX of XXXX. 
There is public documentation of RBCXXXX Certificate of Satisfaction for the Equity Line, paid in XX/XX/XXXX with the Register of Deeds ; with the merger of the two banks this has been overlooked by PNC. 
There is public documentation of the property used to secure the Equity Line being sold and transferred free of liens to the new owners XX/XX/XXXX. 
The account was then converted to an open line of credit, paid in full XX/XX/XXXX. 
We have not, nor ever have defaulted on a mortgage or credit line. 

We have documents showing a clear paper trail that begins with an equity line secured with property, a filed note of satisfaction from the payoff, a bank statement showing a zero balance and a clean transfer of ownership to the new owners, all ending in XX/XX/XXXX. 

The current RBC/PNC reporting to the credit bureaus needs to be changed from a charged off mortgage to a paid in full line of credit from XX/XX/XXXX up to the payoff in XX/XX/XXXX. 

Because of the age of these transactions, we were not aware of the reporting code M9. We had no need to apply for credit until we were refinancing our home in XXXX of XXXX, which was when we were informed how detrimental this error was to our credit report. In the end, it cost us points on our new mortgage and have probably had poor credit scores due to our supposed default of a mortgage.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX XXXX XXXX/ {$4500.00} / XX/XX/2022

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 2018-03-26
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: Their investigation did not fix an error on your report

Complaint:
Experian was reporting that i owed a debt to a collection agency called XXXX XXXX  for medical services. I was unaware of this claim, so i contacted XXXX XXXX on XX/XX/XXXX with certified mail and asked them to validate the claim with a contract and proof. On XX/XX/XXXX XXXX sent me a letter with an itemized bill listing my medical conditions and services. I then sent this information to Experain on XX/XX/XXXX by certified mail for proof of receipt that XXXX XXXX  had violated my HIPPA rights and stated that i will pursue legal actions. On XX/XX/XXXX i received a letter form Experian with Report # XXXX that XXXX XXXX that the debt will remain on my credit file unless i send in additional relevant information to support my claim, and they stated they will not re- investigate this information again. I feel as if i am alone and my rights and identify has been violated. Also, i did a dispute with XXXX and they deleted the collections based on their findings. What findings did XXXX  find that Experian could not? I am seeking help in this matter. Thank you, 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 2019-12-03
Company: TRANSWORLD SYSTEMS INC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After XXXX XXXX from the XXXX in XXXX, I was unemployed and attending XXXX University. Once I got a job, I was unable to make payments to several debts to include XXXX  XXXX. Since then, I have obtained a very good job, payed off several debts, am completely caught up on XXXX  XXXX, and am trying to take care of this debt in particular. The debt in question is a XXXX XXXX XXXX credit card debt from XXXX XXXX XXXX XXXX XXXX XXXX that was purchased by Transworld Systems Inc. with an original debt of {$1800.00}, collection costs in the amount of {$360.00} and interest in the amount of {$89.00}. On XX/XX/XXXX, I made a " good faith '' payment of {$750.00} in order for me to make a settlement offer ( as " policy '' from Transworld Systems ). After the settlement offer was made ( settlement in the amount of {$1900.00} ) I  declined to pay because I had already made a {$750.00} which didn't seem to reflect in the total amount owed. 
Throughout their entire attempt to collect this debt, not once have they given me the information I need to make payments online in order for me to lower the debt. Every time I have asked for my " Registration number '' to setup my account online they decline to give it to me saying my account is in a garnishment status, yet they have never garnished my wages in 4 years. 
XX/XX/XXXX I called to setup payments arrangements and to notify them that I will be paying the full amount either at the end of the month or next month and to setup payment arrangements in the mean time. They told me my debt has risen to {$2300.00}. This is about {$400.00} more than what they have been submitting to all 3 of my credit bureaus, and where is the {$750.00} that I paid in XXXX? So I offered payment arrangements in the amount of {$100.00} a month, the representative said it would be better to make a {$200.00} payment. I settled for the middle and offered to pay them {$150.00} a month to start paying down the debt. The representative told me that they needed a monthly financial statement in order to start a payment arrangement " so low. '' Are you kidding me? I hung up and later called for an itemized statement of my account for the last 12 months. I want to know where they included my {$750.00} payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft and the accounts listed in the identity theft report are produced by way of fraud including XXXX XXXX XXXX XXXX  XXXX which has caused me damages for a loss of {$500000.00} as I am not able to sell my home due to the fraudulent lien being placed on my home.

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 2017-06-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have been disputing this account on my Report since  XXXX  when I noticed that this appeared on my report.   I have asked bo th Equifax ( CRA ) as  well as  XXXX   ( Creditor ) t o furnish me with copies of an original contract bearing my signature, and have failed to do so. I know that I did not open an account at  XXXX . Equifax does not verify the information according to the FCRA, will not provide me the contents of my credit file not the report, my file must contain hard copies of all creditor information about said account according to this act and that I am entitled to said contents.   I have spoken to Equifax several time after each dispute requesting documentation, the person who is verifying this information and the method that Equifax is using to verify. I was just told by a  Supervisor   XXXX   ( wo uld not furnish last name ) at the  Dispute dept.  of Equifax that Equifax does not itself verify creditor 's information but they honor the creditors information and put that on my report.   This is a contradiction of the FCRA, on how the CRAs are supposed to verify information. I need this wipe from my credit report, the amount is minimal {$910.00}, it is the principal behind this, if it were mine I would gladly pay this.   Why do we have laws and acts if CRA 's can circumvent these laws so easily?  <P/> I have provided the information below on my dispute history.  <P/> This is a summary of your Equifax  Credit File activities  within the last 365 days.   We will periodically notify you via email of the status of any pending online disputes or other disputes you have authorized Equifax to deliver online.  <P/><P/><P/><P/> Results  XXXX  COMPLETED   XX/XX/XXXX   XX/XX/XXXX  Viewed   XXXX    PENDING  XX/XX/XXXX   XX/XX/XXXX  ( Estimated ) -  XXXX  COMPLETED  XX/XX/XXXX   XX/XX/XXXX  Expired  XXXX  COMPLETED  XX/XX/XXXX   XX/XX/XXXX  Expired  XXXX  COMPLETED  XX/XX/XXXX   XX/XX/XXXX  N/A  XXXX  COMPLETED  XX/XX/XXXX   XX/XX/XXXX  N/A   XXXX    COMPLETED  XX/XX/XXXX   XX/XX/XXXX  Mailed  XXXX  COMPLETED  XX/XX/XXXX   XX/XX/XXXX  Expired  XXXX   XX/XX/XXXX   XX/XX/XXXX  -  XXXX  COMPLETED  XX/XX/XXXX   XX/XX/XXXX Expired   XXXX    COMPLETED  XX/XX/XXXX   XX/XX/XXXX  Expired Thanks you,   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX XXXX XXXX/ {$4500.00} / XX/XX/2022

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