BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-15
Company: Experian Information Solutions 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:
The amounts on the 3 different accounts are {$880.00}, {$500.00}, {$5400.00}. I sent in 2 desperate rounds of disputes. On XX/XX/2022, the inaccurate accounts came back verified. On XX/XX/2022 and I never received a response back.

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 2019-12-13
Company: U.S. BANCORP
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I have written US Bank numerous times about a {$1300.00} fee that was charged to my account on XX/XX/2019. This was " advance '' billing for some potential foreclosure costs that never actually took place. I originally argued with US Bank that charging this fee on a {$50000.00} loan was unreasonable. It is but i have learned since that RESPA requires the underlying work that actually underpins the fee must have been completed in order to bill the customer the fee. In many letters I have indicated no court fees were ever incurred and the lawyers never got the material from US Bank to start the foreclosure paperwork and I paid off the loan balance due before that. US Bank has no justification for this fee and needs to refund 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 2021-11-20
Company: LEXISNEXIS
State: IL
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 XX/XX/2021 I wrote UNITED STATES XXXX XXXX OF ILLINOIS asking them do they report information from the courts to the credit bureaus. I received a letter from them on XX/XX/XXXX stating that The United States XXXX XXXXXXXX does NOT report any information to the credit bureaus! On XX/XX/XXXX I wrote a letter to XXXX asking the method they have used to verify such information on this bankruptcy reporting on my credit file. They proceed to send me a letter stating it was verified through a third party. Without giving me any knowledge or supporting documents on who they spoke with from the courthouse on my behalf. Then i proceed to reach out to the third party source which is XXXX XXXX asking them to produce such documents. They have yet to respond on this matter. I would like this Bankruptcy removed immediately from all three credit reports. 
CASE NUMBER # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I just found out pnc has stopped users from linking directly to robinhood, no warnings or notices anywhere, Im apparently now not " allowed '' to invest my money into stocks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: Experian Information Solutions Inc.
State: IL
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 XX/XX/2021 I wrote UNITED STATES XXXX XXXX OF ILLINOIS asking them do they report information from the courts to the credit bureaus. I received a letter from them on XX/XX/XXXX stating that The United States XXXX XXXXXXXX does NOT report any information to the credit bureaus! On XX/XX/XXXX I wrote a letter to XXXX asking the method they have used to verify such information on this bankruptcy reporting on my credit file. They proceed to send me a letter stating it was verified through a third party. Without giving me any knowledge or supporting documents on who they spoke with from the courthouse on my behalf. Then i proceed to reach out to the third party source which is XXXX XXXX asking them to produce such documents. They have yet to respond on this matter. I would like this Bankruptcy removed immediately from all three credit reports. 
CASE NUMBER # 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 2017-01-26
Company: Advanced Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I am in the process of purchasing my first home and too my surprise when I took a look at my credit for the first time in a long time I found this entry for an account that does not belong to me. At no time have I visited a hospital and at no time have I ever given anyone the authority to use my name to obtain any medical assistance. I request the help of the CFPB in acquiring complete validation of this so called account currently reporting negatively on my credit. I request the details used to obtain medical assistance including all details of identification used to open this account. this is an issue of identity theft and I require as per rights by law that this company provide me with full their full validation so that I can resolve this matter swiftly so that this fraudulent account is removed from my credit history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have tried to get the company to stop reporting incorrect information, they aren't responding to my correspondence and I want to deal with the original creditor.

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 2020-05-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
When I applied for my XXXX Capital One credit card for whatever reason my apartment number wasn't included on my address. They said the card was delivered and I think it's in my landlords mailbox. 

I called them twice to get a replacement card, and each time I was met with over an hour hold time. Today when I called, the lady told me she could not verify my identity with the phone number I provided her and that I would need to be transferred and it would only take 2-3 minutes. After waiting for another close to 10 minutes, I spoke for 2 seconds with a new phone rep before the call was dropped on their end. Nobody tried to call me back. I need a replacement business credit card sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2020 I tried to temporarily lift my credit freeze with Experian. I was not able to do so in a timely manner which could cause me to miss out on a home refinance that has been approved and could save me thousands of dollars. Experian would not let me execute the temporary lift over the phone or Internet. They are requiring that I send in the request via mail. My home refinance is supposed to close on XX/XX/2020 but the bank cant close until they pull my credit report again. Again, because of Experian this may not happen. The other two credit bureaus have processed the temporary lift.

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 2017-09-29
Company: Receivables Management Partners, LLC
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Attempts to contact and resolve the removal of paid items from my consumer credit report have been unsuccessful. Debts either do not belong to me or have been paid in full. I am requesting that they be completely removed from all three credit bureaus. There should be no delinquent or derogatory items listed. This is preventing me from being able to purchase a home, and I have been denied a home loan twice. See items below : 1. ( Money Recovery Nationwide ) XXXX XXXX ( 3 accounts as follows ) : 1. {$750.00} 2. {$360.00} 3. {$220.00} 2. ( XXXX XXXX ) XXXX XXXX ( accounts ) 1. {$210.00} 2. {$340.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: CITIBANK, N.A.
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
CITI AGREED IN SETTLEMENT THAT THEY WOULD DELETE INFO FROM XXXX IN EXCHANGE SETTLEMENT. THEY HAVE NOT KEPT THEIR END OF THE DEAL

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: Incomm Holdings Inc.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I contacted my vanilla prepaid card services because I have over XXXX in pending refunds that I haven't received yet and I was told upon checking she can see that the refunds had been deposited band started staying dates that they had been posted on so I then replied if that is the case why haven't I been alerted when the loads was credited to my account I'm set up for alerts I say I get alerts when I spend money so why am I not receiving when it's been loaded it doesn't make since that's basically your word against mines where's the proof that's why I have you guys Im order to protect my account who's to say if it was ring that I'm looking at my account and it still saying that it's pending the representative then stated I assure you it has and I will have them look into why you aren't recieving alerts I then stated I am receiving alerts you just aren't sending me my load credits once again she assured me they where so now here 's where the problem is I used my card yesterday at XXXX to do another return XX/XX/2022 and I purchased a few things I go home to check my balance I can't access my account I then call my vanilla and are told that my account and card has been compromised by a bad check balance web site that I was using so we have to send u out a new card what I stated i been using the same website I been using for years that's XXXX 's so now I have returns I can't get im locked out of my account and now I have over XXXX on refunds pending that I still haven't received back from XXXX or from XXXX XXXX XXXX  because they insist that I received when my account is telling me otherwise and I wasn't notified via text or email I luckily downloaded my statement because I had a feeling they where going to try and pull something please help I have 2kids bills and money I don't have access to

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: Experian Information Solutions Inc.
State: SC
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 sounding the alarm on XXXX, Experian, and XXXX! This is the case because XXXX continues to hold my credit reports hostage by refusing to send me my own credit reportswhile they illegally monitor, manipulate, and intentionality, maliciously, and recklessly expose, conspire, and disseminate my confidential identifying information to like-minded perpetrators to use and misuse continuously! It is time to take action against XXXX for its targeted, intentional efforts to use the credit bureaus as a tool to discriminate and oppress the XXXX American community! It is time to investigate XXXX and ENFORCE THE LAW under the Fair Reporting Credit Act! Our democracy is at stake, as credit bureaus hold important identifying information that when placed in the wrong hands can do significant harm. Therefore, I am demanding that the Consumer Financial Protection Board, The Federal Trade Commission, and local, state, and federal law enforcement agencies take IMMEDIATE action against XXXX for its ongoing intentional, breach of consumer information. 

XXXX XXXX XXXX is suspected of working with XXXX to target the credit of XXXX Americans, who may be in the process of buying a home or attempting to get the best rates on insurance, etc., by intentionally reporting false and inaccurate information. For example, when I applied for credit in XXXX at XXXX XXXX XXXX, the store XXXX, who ran my credit, stated that I had good credit. However, I learned shortly thereafter that the store XXXX had reported a false address, XXXX XXXX XXXX XXXX, XXXX XXXX, South Carolina, and another XXXX XXXX person falsely reported late payments for XXXX and XX/XX/XXXX. However, there was only ONE late payment in XXXX, XXXX ( Please see attached evidence ). I demand, based on the laws under the Fair Reporting Credit Act, that this false and inaccurate information be deleted from all three credit bureaus immediately! I find it VERY strange that the store XXXX stated that they only report to XXXX, but Experian JUST ADDED the fraudulent 30 days to my Experian report AFTER the last Complaint I filed with the Consumer Financial Protection Board. Also, XXXX is reporting the fraudulent 30 day late payment as well.

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 2016-08-15
Company: LoanCare, LLC
State: KY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The mortgage holder XXXX XXXX was due a tax refund in the form of a lower property tax bill, to the amount of XXXX. This was supposed to be refunded to her and the local sheriffs office showed us a canceled check. The check had been cashed by the company that takes care of our escrow account for Loancare.To this day they have not refunded her. Loancare has also paid our property taxes 6 months after it was due, causing the tax bill to jump from {$1500.00} to {$1800.00} because of late charges. We called them on several occasions to remind them of when the property taxes were due. They assured us the property taxes were going to be paid on time. They were NOT paid on time. It was printed in our local newspaper ( publicly humiliating us ) that we had a delinquent tax bill of {$1800.00}. Loancare paid them late and added the extra XXXX in extra late fees onto our house payment stating that our escrow was short. It was short because for the last few years they have not paid the tax bill when it was supposed to be paid. As of this email Loancare refuses to let us talk to anybody in management, They keep saying a supervisor will call and talk to us. This has never happened. My mother and I, co-mortgage holders, would like some help getting this straightened around. Loancare continues their silent treatment. XXXX XXXX and 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 2020-03-02
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
When I first bought my home in XXXX of 2018 my closing document stated that for years 1-10 my monthly payment should be ~ {$3800.00} and for years 10-30 monthly payment will be ~ {$3200.00}. 

However, Loancare insisted I pay $ XXXX monthly from the start. They effectively created a shortage in my escrow account due to this error on their own end ( see attachments ). This past summer they conducted an escrow analysis, realized the mistake, and raised my monthly payment to {$3800.00} but realized shortly after that there was a much bigger deficit in the escrow and raised my monthly amount to {$4400.00} which caused me to miss my XXXX and XXXX payment. Then they reported me to the credit bureau for missed payment and transferred my loan to XXXX in XXXX. 

I have been on the phone with Loancare multiple times in the last three months, begging, pleading, reasoning to have this matter resolved but they basically told me it is no longer their problem as my loan does not belong to them anymore. 

I am attaching my closing document here which will show the amount agreed upon and statements from Loancare showing that they were negligent in charging me the amount in the closing document. From my understanding the closing document is a binding contract and the loan servicer should have been charging me the proper amount ( ~ {$3800.00} ) from the beginning to avoid any deficits and surges in monthly payments. 

I am aware that tax implications change from year to year but this home is not a new build and there should not be a fluctuation of this much in monthly payment. I am also aware that there is a PMI on my loan. I am not sure whether Loancare neglected to charge PMI or the full tax amount but the deficit in my escrow was caused by THEM as they failed to follow the amount noted on the closing documents. 

I know XXXX XXXX is not at fault whatsoever and the neglect is reflective of only Loancare but I am requesting that this matter be investigated further - I do not want to lose my home or be forced to modify my loan or go on a predatory re-payment plan due to the gross negligence by Loancare. 

Please, please, look into this matter in detail and feel free to call or email me as needed, as many times in needed. My phone number is XXXX. 

I am attaching documents here for review and proof of the situation. I would like to bring attention to the file " Signed Closing Disclosure '' - in the middle of the first page you will see where the break down is for the first 10 years and the last 20 years and the amount that should have been charged by Loancare.

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 2017-09-08
Company: EQUIFAX, 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:
Equifax was, as far as I know, hacked by other parties that stole my information. 

I verified this on Equifax ' website, equifaxsecurity2017.com This is irresponsible and if a company ca n't handle protecting my info, they do n't need it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
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: Account information incorrect

Complaint:
I recently filed a dispute on XX/XX/2020 yo all 3 credit bureaus about the inaccurate information on my credit report. I have XXXX XXXX and The collection agency reporting on my credit report for the same collection balance. If the credit bureaus are getting the information from the creditors how can it be reporting differently. There should not be both the creditor and the collection agency reporting for the same collection as this is inaccurate information and it needs to be removed from my credit report. Please see attached documents of proof of the inaccurate information being reported. What the credit bureaus also tried to do was update the information which should have never happened because I have proof the the information was inaccurate with the account status. It should have been removed as this was inaccuracies reporting on my credit file. 

* If you look a the smart credit you will see when the account status showed different for the different credit bureaus. 

*If you look at the most recent credit report you will see that the information has been updated. 

Two Different companies reporting the same information please remove those accounts immediately.

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 2021-11-20
Company: EQUIFAX, INC.
State: PA
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 noticed the debt company posting XXXX on Equifax credit report without any proof or reason for any balance due. Starting date XXXX have provided numerous bank statement copies of money withdrawn of monthly dues of my XXXX year contract with XX/XX/XXXX and never received any statement from XX/XX/XXXX of showing balance is due.With cXX/XX/XXXX I only had basic internet services for my daughter to use for after school homework with a monthly balance of $ XXXX policy is you XXXX the month advance. I been disputing with them. XXXX XXXX XXXX can not give me any proof or reason for any debt owned only replying to me that are collecting a debt.XX/XX/XXXX has no prier balanced owned to them.The company brings up an issue that has been resolved and in the mean time my credit score decreases because of the neglects.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: Paypal Holdings, Inc
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Date : XX/XX/2020 Amount : {$400.00} Fee {$2.00} Merchant : XXXX REASON : THE ATM DID NOT DISPENSE ANY FUNDS. 

Date : XX/XX/2020 Amount : {$400.00} Fee {$2.00} Merchant : XXXX XXXX REASON : THE ATM DID NOT DISPENSE ANY FUNDS. 

Date : XX/XX/2020 Amount : {$380.00} Fee {$2.00} Merchant : XXXX REASON : THE ATM DID NOT DISPENSE ANY FUNDS. 

Date : XX/XX/2020 Amount : {$400.00} Fee {$2.00} Merchant : XXXX XXXX REASON : THE ATM DID NOT DISPENSE ANY FUNDS. 

Date : XX/XX/2020 Amount : {$400.00} Fee {$2.00} Merchant : XXXX XXXX REASON : THE ATM DID NOT DISPENSE ANY FUNDS.

Company response to consumer: Closed with monetary relief