BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-27
Company: Cascade CISS Holdings, LLC
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:
In accordance with the Fair Credit Reporting act Avantus 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 written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09
Company: STONEGATE MORTGAGE CORPORATION
State: OR
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
In the middle of refinancing our VA mortgage, our current mortgage servicer ( Stonegate Mortgage ) contacted us and promised to beat any offer we had to refinance through someone else. We provided Stonegate with the Good Faith Estimate we were working with and they gave us a better Good Faith Estimate giving us a rate of 3.625 % and them contributing all of the funds for closing costs. After providing Stonegate with all of the documents they delayed several weeks ( causing the rate lock to expire ) and are now saying they can only give us a 3.75 % interest rate and that we will have to come in with several XXXX dollars for closing costs.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-09
Company: PNC Bank N.A.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, XXXX, my rent check for XXXX was mailed. On XXXX XXXX, XXXX, the " Pay to the Order of '' on the XXXX rent check was altered and cashed at a PNC Bank. On around XXXX XXXX, XXXX, I filed a fraud claim with XXXX Bank. XXXX Bank said I would receive a refund in a few days. It has been 33 days and my refund still has not been issued. After contacting XXXX Bank again, I was told by a supervisor that it could take 90+ days to receive my refund and they could not issue my refund until PNC Bank refunded the money to XXXX Bank XXXX 

XXXX Bank Contacted PNC Bank on XXXX XXXX, XXXX. As of XXXX XXXX, XXXX, PNC Bank has not responded to XXXX Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 have filed a dispute in regard to the incorrect/unauthorized items listen on my credit report. It has been well over 30 days, and I have not received any investigation results/updates.

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 2022-07-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Applied for capitalone platinum credit for applicants with excellent credit. Upon approval interest rate was 2 times more than should be with excellent to exceptional credit Supervisor stated that interest rate was not based upon my stellar credit and stated it was a fair rate. I inquired if the had lower interest credit cards and he replied yes. I asked why my stellar credit history and credit score of XXXX did not qualify and he again stated it was a fair rate. Excellent to exceptional credit scores are well below the almost 30 % interest rate they were tagging to my card. I am quite sure that level of credit should qaulify for best deals available. This was not a fair rate based upon the metrics that should be used to extend credit. This matter needs to be investigated to the fullest. My credit is neither being built or rebuilt it has been established for XXXX plus years.Card was not issued yet but details of approval arrived via email.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-28
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
AFNI filed an debt collection account with XXXX and XXXX credit bureaus that does not belong to me. They have not provided any proof that the debt belongs to me and appears that they are violation my consumer rights and statutory deadlines on their collection practices. Please instruct them to remove this error from my credit files because this error is causing me monetary losses.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-13
Company: U.S. Auto Credit Corporation
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Account was sold and still being reported as a charge off on my credit report. It is still showing on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous personal information reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/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 2015-08-15
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Lvnv funding , LLC. is reporting a debt on my credit report I have disputed with not only the reportimg agency but also with another debt collecting agency named XXXX, XXXX XXXX, XXXX XXXX have now filed a small claims suit over this debt against me, after numerous threats. LVNV Funding , LLC has not validated nor verified that I owe this debt. I have no recollection of ever having this debt or owning this account. This debt has also been re-aged on my credit report. I have belief that this an illegal tactic between LVNV Funding LLC AND XXXX, XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Merchants and Medical Credit Corporation, Inc.
State: UNITED STATES MINOR OUTLYING ISLANDS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This was not sent in error XXXX XXXX XXXX consumer by law at XXXX XXXX XXXX XXXX XXXX  misused at XXXX I have some false at not 100 % accurate XXXX XXXX XXXX. Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i did a complaint a few months ago for XXXX XXXX XXXX XXXX XXXX XXXX it was deleted from my credit report because of identity theft and it is illegal for credit bureau to put back negative items back on my credit report once it has been deemed unverified or inaccurate. they put it back on all 3 credit bureaus and dropped my scores. they changed the amount to XXXX i have another account thats not mine XXXX XXXX XXXX i have called thses guys i gave them police report they dont have no info on me someone used another email and address to get the phone so i never got a letter from this conllection agency i told them its not my debt i had my wallet stolen in a basket ball pick up game years ago they wont delete the account thats not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29
Company: Atlanticus Services Corporation
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I do n't remember this credit card to be honest I receive a letter from the XXXX of new York saying notice of garnishment. the collection is from XX/XX/XXXX it 's tooold to be Sue for and at the same time I got injury on the job I 'm waiting on workers Com. I do n't have any income coming in at the moment. I did n't receive any notice trying to collect before suing me. I was Sue before my check was being Garnish and I got lay off so I was n't able to continuing paying this in XX/XX/XXXX the company was getting money from my pay check.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-12-20
Company: Collection Information Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
DOCTORS BUSINESS BUREAU ACCOUNT NUMBERs : XXXX XX/XX/XXXX Collection Information Bureau , Inc . 
XXXX XXXX, FL XXXX XXXX. 
ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you DOCTORS BUSINESS BUREAU or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to XXXX of XXXX. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : DOCTORS BUSINESS BUREAUor any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: Experian Information Solutions Inc.
State: MO
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:
On XXXXXXXXI sent a letter to XXXX  disputing the validity of the bankruptcy they are reporting on my credit report. They responded with a letter stating they verified the item with the US bankruptcy courts ; however on XX/XX/ I sent a letter to the US bankruptcy courts requesting if they can confirm or deny that their office reported a bankruptcy to the credit bureaus, they responded XXXX Please be advised the court has no interaction with any credit bureaus I also went to XXXX XXXX to dispute the item in question and on XXXX XXXX XXXX could not verify the item so they removed the bankruptcy from their database. 

I have sent proof to XXXX  showing that the US bankruptcy courts did not interact with the credit bureaus and that XXXX XXXX deleted the bankruptcy from their database, they were informed that if they could not reveal how they truly verified this item then it needs to be deleted according to the FCRA. They have once again refused to delete the item in which is imploding on my ability to purchase a home and causing me to pay XXXX  of dollars in interest each year. 

This item needs to be deleted from my credit report if it can not be verified within 30 days.

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 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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've sent multiple letters and called to dispute incorrect accounts and information on my credit report. Every response comes back as the account has been updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Bank of America has treated me like a criminal when I was victim of a scam Bank of America will not listen to what occurred I have a police report and spoke to police detective both have agree bank is treating me with disrespect. Ive ask to speak to supervisors and managers and Bank of America employees 6 of them have just hung up in my face not allow me talk to a supervisor Bank of America after being customer 20 years I would think they have more respect than treat a victim like the criminal I want this resolved with Bank of America with an apology for there rude service towards me Ive gone to several ppl with this theyre all shock to see how Bank of America had treated a victim of a scam

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 2022-04-22
Company: Experian Information Solutions Inc.
State: MI
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 Act XXXX, Account Number : XXXX Amount : {$19000.00}, has violated my rights. 

On 15 U.S.C 1681 Section 602 A. ( 4 ) States that I have a right of privacy.

>>> There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers 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.

>>> ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 Act XXXX  Account Number : XXXX Amount : {$19000.00}, has violated my rights. 

On 15 U.S.C 1681 Section 602 A. ( 4 ) States that I have a right of privacy.

>>> There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers 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.

>>> ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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 2015-12-18
Company: Google Compare Credit Cards Inc.
State: FL
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
I heard about a service made out to be similar but better than pay pal called google wallet. I downloaded the app and transferred XXXX $ in total to g wallet. It took about 3 days to clear in both my checking and google wallet account and when it did google wallet took XXXX $ from my checking account and there was only XXXX on my wallet account. i immediately called google wallet while I was in my bank and informed them the issue and they first claimed it was as bank error. the banker I was Cleary stated it was not and entirely Google 's fault. After about XXXX hours of calls and fighting with google wallet they refunded the XXXX extra dollars they had taken within XXXX hours but not the over draft fee the banker charged me. That was XXXX. the XXXX I actually had transferred went to Google wallet and I sent XXXX to google play with no issues. the remainder I was going to use once my wallet card arrived. I received the card XX/XX/XXXX or XX/XX/XXXX and when I tried to activate it they closed my account and said I would not be able to use the card or google wallet period. So I asked for a refund they emailed me a form which called for my bank info to refund me. today is the XX/XX/XXXX. I 've called daily spoken to at least XXXX supervisors had it escalated to higher departments and the only answer I get is they are looking into it. I have now filled out XXXX refund forms spent hours daily speaking with them and gotten nowhere. Should I seek legal action? Please help that XXXX is a lot of money for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have never received anything about this debt nor do I owe this. I have disputed several times and received nothing back. Please help Radius Global Solution # 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 2017-03-15
Company: CIT BANK, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a residential mortgage loan currently with CIT Bank and previously with One West Bank and before that with IndyMac Bank as each bank was bought up by the other so they are now " bigger '' than " too big too fail '' putting our country in grave danger that their corrupt practices will cause them to come begging for another XXXX dollar tax payer bail out. My loan originated in 2007 with Indymac Bank and for the term of the loan multiple copies of the proof of insurance for my condo building was sent to the bank over and over and over and each bank claimed they did not receive the faxes and mailed copies and thus, each bank threatened to place extremely expensive insurance on my condo even though they were provided mulitiple copies of the insurance declaration page, year after year, proving that the insurance coverage was uninterrupted year after year. In talking with these bankers, it is clear that they have a deliberate and malicious protocol to wear borrowers down by continually telling them that they have not received the multiple copies of proof of insurance so that they can force place grossly overpriced insurance that creates another profit source for them at the expense of the borrower who already has insurance. THERE IS A PATTERN TO THE BANKS CORRUPT AND AMORAL METHODS AND PROTOCOL AND IT IS CLEAR THAT THE EMPLOYEES ARE DIRECTLY GIVEN INSTRUCTIONS TO " LOSE '' OR " SHRED '' THE PROOF OF INSURANCE THAT WAS FAXED OR MAILED IN FOR MY HOME REPEATEDLY EACH YEAR FOR APPROXIMATELY 10 YEARS. NEVER ONCE WAS THE INSURANCE FOR MY APARTMENT BUILDING EVER NOT IN FULL FORCE AND EFFECT YET I HAVE RECEIVED THREATENING LETTERS BY THESE BANKS CLAIMING THAT THEY HAVE NOT RECEIVED THE PROOF OF INSURANCE AND THEY WILL GOUGE ME BY FORCE PLACING INSURANCE. PLEASE STOP " CIT BANK '' WHO CONTINUES THIS TRADITION OF CORRUPTION AND THIEVERY. ALSO, AS A BANK THAT IS BACKED BY THE FEDERAL GOVERNMENT, HOW IS IT EVEN LEGAL THAT CIT BANK DOES NOT PUBLISH ANY INFORMATION ON ITS EXECUTIVES AND IT ON DOZENS OF CALLS THEY REFUSE TO DISCLOSE THE NAME OF ANY EXECUTIVES, INCLUDING THE CEO.

Company response to consumer: Closed with explanation