BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-08-30
Company: BMW Financial Services NA, LLC
State: CA
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:
my name : XXXX XXXX, My husband used to do my BMW car payment from his bank account ending in XXXX days ago found out that BMW reported me late on XXXX payment saying that payment was received on XX/XX/XXXX, and last date is the XXXX. 
i asked my husband he informed me that he called on XX/XX/XXXX to issue the payment Attached is bank print out showing that payment was initiated on the XXXX, but its not my problem that BMW did it on XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX has deleted and removed the following fraudulent account : Capital One : XXXX, balance : {$2000.00}, 3 times from my XXXX credit report previously, but XXXX keeps re-inserted and putting the fraudulent Capital One account back on my credit report. The Capital One account is not my account. Its a fraudulent account.I have never applied for a Capital One Bank credit card account. Someone stole my identity and used my personal information and applied for 4 Capital One Bank credit cards, including the account above. I have been a victim of identity for over 25 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
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:
This account does not belong to me, please block and remove according to 15 USC 1681c-2.

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 2018-01-04
Company: Experian Information Solutions Inc.
State: PA
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:
Experian Credit Report Date : XXXX XXXX, 2017 Report : XXXX XXXX XXXX XXXX XXXX is wrong no such Address XXXX XXXX XXXX XXXX is wrong no such Address these are not my address as stated before. 

Please provide proof to me these address that there my address current or prior. 
There is no unit and these are condo units each one has a number nit an address as Experian just shows.

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 2022-09-07
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: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX  XXXX Balance : {$55.00} ; XXXX XXXX XXXX Balance : {$510.00} ; XXXX XXXX XXXX Balance : {$30.00} ; XXXX XXXX XXXX Balance : {$600.00} ; XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; EXPERIAN XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX 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 2020-07-15
Company: Conduent Incorporated
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
The way2go debit card through the GA Department of Labor does not have a service to transfer the amount to my bank anymore, and I want this option back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: LEXISNEXIS
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have requested a security freeze to be placed on my LexisNexis XXXX REPORT and for them to send documentation showing/proving that they have completed my request. I have not received any documentation showing that my request was fulfilled nor has my freeze been placed on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: EQUIFAX, INC.
State: OH
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:
In XXXX of XXXX, I returned my Car Lease to XXXX XXXX XXXX. I have never missed a lease payment. I just reviewed my credit report and XXXX XXXX XXXX is reporting a Late Payment on XX/XX/XXXX. I have not owned the car since XX/XX/XXXX. The inaccurate Late Payment on my report is severely hindering my credit scores and ability to buy a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-15
Company: PNC Bank N.A.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was unexpectedly laid off from my job in XXXX 2013, that lead to financial hardship that caused me to miss some mortgage payments. After going back to school and testing I started working as a realtor. During that time we applied for a loan modification with PNC bank. We were a customer for over XXXX years with a solid history of making mortgage payments. After being accepted for a loan modification, which would increase my monthly payment {$400.00} dollars, I appealed to have my mortgage payment lowered to where it was before. The appeal was turned down. I then accepted the terms offered to me but was turned down because they said I waited too long to accept their terms. I then was instructed I would have to re apply and submit a new packet to be considered again. After a almost two years of sending PNC my financial docs and letters of employment I was turned down again. They said the process had taken too long. All during this time my financial position has gotten better, I am working XXXX jobs and my wife works as well. We are making enough income to resume making our mortgage payments. I believe that PNC has not acted in good faith during these negotiations. I was called on the phone XX/XX/XXXX and was told I had one more opportunity to re submit a packet for review. I sent in a new packet and called PNC a day later to make sure they had received it. They say they had but were closing my file because I had been turned down twice previously. They did not even review my application, even though my income is well above the amount needed to make my mortgage payments. I did not receive any notice in the mail that said my app was rejected and no reason given. This is bad faith negotiation. I believe the real reason is because the amount I owe the bank is {$220000.00}, and they bank has appraised our homes value at over {$400000.00}. The bank wants to take my home so they can profit from its sale. This was after they previously appraised my home in the {$260000.00} range. Therefor, I believe that PNC Bank did not negotiate with me re my loan modification with good faith. I submitted paperwork and financial info they requested and they did not review them, thus making a decision to take my home based on bad faith negotiation. It is not fair to me, my wife and XXXX kids, my neighbors, my block I live on, the community or city. The only one standing to benefit is PNC Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: Nelnet, 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 am a victim of identity theft. I've sent a copy of my Identity Theft Report to XXXX XXXX & XXXX along with a letter detailing how i am a victim of identity theft. Also included with that letter was each account that was fraudulently placed on my report under my name and social security number. Amongst the fraudulent accounts is US DEPT ED and DEPT ED NELNET. These accounts do not  belong to me. They still are reporting this to my credit report. they have not sent any documents over supporting how they could allow this to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03
Company: Collection Information 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:
XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX, FL XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious DOCTORS BUSINESS BUREAU ACC # XXXX I have report your company to consumerfinance.gov Case number : XXXX WITH CFPB ( NO RESPONSE ) **THIS IS A REINVESTIGATION As a form of record and I am prepare to sue your company Example In re XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
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 am a victim of identity theft. I've sent a copy of my Identity Theft Report to Equifax, XXXX & XXXX  along with a letter detailing how i am a victim of identity theft. Also included with that letter was each account that was fraudulently placed on my report under my name and social security number. Amongst the fraudulent accounts is US DEPT ED and DEPT ED XXXX. These accounts do not belong to me. They still are reporting this to my credit report. they have not sent any documents over supporting how they could allow this to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: JPMORGAN CHASE & CO.
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My husband passed away on XX/XX/2023 and I reported his death to Social Security on XX/XX/2023. I was informed at that time that he was entitled to his final Social Security payment of {$1200.00} which would be transferred electronically to our joint savings account on XX/XX/2023. My husband was born on XX/XX/XXXX. I noticed that the deposited social security funds were on hold and asked the bank why. " Social security can ask for the money back and therefore the hold. '' I had my final interview with Social Security on XX/XX/XXXX and asked them about the hold. They told me the bank should release the funds immediately and off to the bank I went again. After some run around I got the branch manager who told me this is standard procedure. Social Security has 180 days to ask for the money and the bank can't just send the money back if Social Security asks for it and there are not sufficient funds in the account, therefore the hold.I could of course ask Social Security to send a letter stating that the bank should release the money but good luck on that one. She said by the time you will get that notice the money will be released. The bank just released the funds XX/XX/2023 but it shows on the account like it cleared on XX/XX/2023. 
Now I am in the fortunate position that I did not depend on that money but it me made realize several things. If this happens to me it must happen to thousands of Americans. No interest is paid on the money the bank is sitting on and as far as I know they can float it freely for 180 days. What a nice way to get free money for them to play with and make money on. Something is terribly wrong with this process. It doesn't help the person who has just lost a loved one and is dealing with the aftermath of that. For many the loss of the loved one means loss of that social security income as well. And for the bank to be able to sit on that money for 180 days is just absolutely disgraceful and a financial slap in the face. This needs to be fixed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-13
Company: PNC Bank N.A.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I own a house in XXXX area of XXXX in XXXX. I have XXXX Loans on the same.The XXXX used to be with XXXX ( I believe the Investor is XXXX XXXX ) and the XXXX with National City, which is taken over by PNC Bank. ( PNC ) I started my marathon Modification effort with XXXX as soon as HAMP was introduced, in XXXX 2009. I made XXXX Trial Period Payments after which XXXX rejected my HAMP Modification. 
Luckily for me XXXX sold the Mortgage to XXXX ( XXXX XXXX ). They were kind enough to give me the Trial Period Payment again, which I successfully completed. XXXX XXXX wanted to get the XXXX XXXX from PNC Bank. PNC demanded {$250.00} for this, which I readily agreed and sent the Check for {$250.00} through XXXX XXXX. 
However I am surprised to learn that PNC refused to give the Subordination Agreement to XXXX XXXX, as mandated by HAMP, although I understand that PNC has signed up with XXXX, an XXXX to participate in HAMP. 
The reason for their rejection is a lame excuse - The Account was Past Due on XXXX or more occasions in the past ... ... ... ''. 
When my XXXX Party called, PNC Rep. was very rude and said they will not do a subordination as the Account is delinquent and the account has to be brought current, to give a Subordination Agreement to the XXXX. It looks like a kind of a black mail, they are doing, flagrantly flouting the HAMP guidelines. The very purpose of HAMP is to help home owners like me facing hardships and giving us a chance to get back on track. They ( HAMP ) did not say that the Subordination Agreement is to be given only to such customers who are not delinquent, whoch would defeat the very purpose of HAMP. 
In the process, my Permanent Modification, which I would have got after a herculean struggle of 6 1/2 Years, is cancelled by the XXXX ( XXXX XXXX ) as PNC refused to co-operate, in total contravention of HAMP guidelines

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Re : XXXX XXXX XXXX XXXX ( comenity bank ) Acct number : ending in XXXX Hi, I contacted XXXX to pay my bill at the beginning of the year. The customer service lady I spoke with said she could take the payment and have the late fee removed but I would have to call back and speak with a service department as they were not open at the time. At that time I made a payment taking care of all purchases, except for the {$35.00} late fee. 
I called back and spoke with someone else who said that was not true, and they would not be able to waive the late fee. I explained to them that I had not received a bill. They told me that the billing had been changed to go to my email account. I was not aware of this. I explained that I had made the previous payment and that I was promised to have this late fee waived. The man I spoke with this time said he could not waive the fee. I then told them I wanted to close the account. I called back the following Day and spoke with a new representative. He told me that this account was closed with a zero balance. XXXX XXXX XX/XX/XXXX ) I just received a bill in the mail today XX/XX/2020. 
Showing a balance of {$73.00}. Now this statement shows two late fees plus interest. I called express immediately and spoke to you a supervisor by the name of XXXX. He told me he could not help me. I explained to him the situation and that if they could not help me resolve this as promised I would file a complaint with the credit bureau. Can you please help me with this? I have excellent credit with a XXXX score, and do not want this tarnished because of this company is excessive late fees. 
Please contact me. 
XXXX XXXX Thank you, XXXX XXXX I do not have this full account number as it is partially starred out on this invoice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Credit inquiries list on my report from Experian XXXX XXXX in partnership with XXXX XXXX. I have written XXXX XXXX in XXXX, XXXX, requesting to remove credit inquiries. They did not respond. 

I wrote to Experian in XXXX, XXXX, that I did not hear from XXXX and requested all unauthorized inquiries that are listed below, as Experian XXXX XXXX be deleted. They have not responded. 
The dates in question are XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 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 explanation
Consumer complaint received 2020-04-20
Company: Compass Recovery Group, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I'm a XXXX  XXXX  and live on a very limited income ( mainly XXXX ). Most of my bills are medical related and are typically paid in small chunks or by my health insurance. Compass Recovery Group has been harassing me for months and now my aging mother about a debt that I dont owe. They say I owe one .... and when I tell them my situation and that I can not pay, they have threatened to take legal actions against me. When my mother has spoken to these people, they refused to give her any information about the matter or the company. Fortunately, she didn't give them any information about me except that she would pass the message along to me.

Company response to consumer: Closed with explanation