BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-07
Company: Frost-Arnett Company
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I paid this debt before I got it properly verified. After I paid the debt, I wanted to make sure none of my rights were being violated. I am concerned that m y HIPAA rights  have been violated. The original creditor of this debt is  XXXX   XXXX . I a sked for verification for this debt ALONG with my consent to release this debt. Frost Arnett sent me a complete itemized statement with my cpt codes concerning some very private tests that I '' ve had. This is a very d elicate situation for me and I do not want my files sent to anyone and any company without my permission. Although they sent the statement, they failed to send me any documents that allowed them to have possession of my personal belongings. Thinking that maybe this was a mistake on their end, I sent a letter on  XX/XX/2017    for the verification AND proof of consent of the release of my documents and I have a receipt that shows they received it o n the 3rd. This time I heard nothing back from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: EQUIFAX, INC.
State: DE
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 submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated the account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 

XXXX XXXX XXXX {$4200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Experian Information Solutions Inc.
State: FL
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:
PLease take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
PLease take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2019-12-05
Company: PNC Bank N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I responded to an ad on XXXX about a rental property. On XX/XX/XXXX, I made a wire transfer for {$5000.00} to a person I believed was the landlord of the property in order to secure the apartment. 

On XX/XX/XXXX, I called my bank, XXXX, to authorize the transfer. XXXX told me it will take 24hrs to process it. However, I realized quickly it was a scam and called XXXX back two hours later. I asked to cancel the wire transfer. The transfer was still pending when I checked my account. XXXX responded that I missed the cut-off. I asked then for a wire recall. XXXX responded that I needed to wait Monday morning to contact the Wire search team. 

Monday, XX/XX/XXXX, I called the Wire search team at XXXX. They told me they will reach out to the other bank involved, PNC. On XX/XX/XXXX, XXXX called me back to tell me that PNC contacted them to inform XXXX that its client is unwilling to give the money back. Clearly, PNC doesn't care that one of its client is running a scam on XXXX which is totally unacceptable and unethical. 

On the very same day, I called PNC myself to indicate that one of its client is running a scam on XXXX and something has to be done about it. I offered evidence of the scam but they didn't want to hear about it and told me to call my financial institution. I responded that XXXX contacted PNC and PNC told XXXX that its client is unwilling to give the money back. To that, PNC responded that there's nothing they can do about it. 

PNC needs to take its responsibility or it is clearly complicit in a crime and needs to be punished for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: Velocity Portfolio Group
State: OK
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, at XXXX a.m., my representation contacted CKS Financial via Velocity InvestmenXXXX ( the new company that held my debt collection account ). My representation negotiated a settlement for a pay for delete. Velocity Investment told my representation that it will take approximately 60 days for this to update on my credit report. This account is still on there. 60 days was on XX/XX/XXXX. On XX/XX/XXXX, my representation contacteXXXX Velocity Investments and they told my attorneys they its still processing. Can you please help with this matter.

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 2022-03-08
Company: EQUIFAX, 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:
According to FCRA regulations, a collection account should have no late payments listed. 
Equifax is and has been reporting this inaccurate information for over a year to this date. 
This has caused unexplainable harm to my obtaining a home and credit opportunities. 


Creditor Name : XXXX  Acct # XXXX Type of Business : Collection Amount : {$2900.00} Payment Status : Late 120 Days

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: B&B Funding, LLC
State: MA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
In XXXX I received a letter saying that my second mortgage, that was discharged in a chapter XXXX bankruptcy, was transferred to XXXX XXXX XXXX, I had not paid this loan since XXXX.The new creditor contacted me and wanted me to make monthly payments and advised me that he would be " coming after me '' XXXX  XXXX was the principal of XXXX XXXX  XXXX.He called and emailed about payments in violation of the Bankruptcy injunction.I advised that I was not obligated on the debt and his only remedy was through the property but he insisted I start making monthly payments.He advised that he would foreclose but with a 1st mortgage of XXXX and a value under 500k no one would do that as they wouldn't get any monies after all was said and done.WXXXX talked of some type of a lien release settlement but he wanted more monies than he new I had and I advised him of a previous settlement offer that a previous servicer had reneged on ( see your case XXXX ) but he was still insisting on monthly payments.I did some research and he is not registered with the state of Massachusetts as required nor licensed with the state of Mass as required by 209cmr 18.16, I  don't know if he ever applied or was denied due to him previously being sanctioned and having a cease and desist issued by The Office of Thrift Supervision case XXXX XXXX. 
He then sent a notice to cure saying " you have 30 days thereafter a foreclosure action will be initiated. 
This is also against Massachusetts law requiring a 150 day 1st notice to accelerate and cure so in summation He is operating illegally, violating the FDCPA, threatening legal action that he cant take and violating UDAAP, and trying to collect on debts not owed, and violating the CFPBS directive on deceptive acts and practices.He must know the laws about notice in Massachusetts so he is threatening what he know cant happen, or if he doesn't he shouldn't be trying to foreclose on homes..

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: Servis One, Inc., Titusville, PA Branch
State: IA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
It has now been 60 days since XXXX has taken over the servicing of my loan ( my previous servicer, XXXX XXXX XXXX, has already verified to me that everything was transferred to XXXX on XX/XX/2018 ). I am in the process of trying to refinance my mortgage, but my account is locked due to 'auditing ', so I can't provide any information to my potential new lender. I have repeatedly called XXXX and documented those calls, but each time it's the same story ; no information. Nobody can tell me how much longer this will take, nobody can provide me with any information about my account details, etc. I'm seriously to the point I'm about ready to begin contacting attorneys in my area to see what type of recourse is available to me. For the moment, I will simply submit another complaint ( XXXX has never responded to my previous CFPB complaints ), so I have a paper trail showing my multiple attempts to resolve this issue. I attached a jpeg showing what I see every  time I log into the XXXX  system. Nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: Paypal Holdings, Inc
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
I have had my primary e-mail account hacked. It is being accessed only by the criminal who got into it and changed the password. I can not access it. It is the primary email that records of my  PayPal transactions are being sent. Several attempts to get PayPal  to stop sending details of my transactions using their service to my hacked e-mail address have failed. They continue to send the details to a e-mail address they have been told several times are in the hands of criminals.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-07
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: Account status incorrect

Complaint:
My account with  XXXX   XXXX  was closed after I voluntaried surrendered my vehicle to them. For years it reported as closed & now it 's being reported as open with  XXXX  of the credit bureaus & I would like the information on my credit report to be reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: FIRST CONTINENTAL MORTGAGE LTD
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX XXXX l received a alert message from XXXX XXXX monitoring service that XXXX XXXX in XXXX, ,New Jersey pulled my credit for a VA loan modification. As l spoke with XXXX XXXX VA loan carrier First Continental Mortgage in XXXX, New Jersey. First Continental and XXXX XXXX representative has stated to me on around XXXX XXXX that l was n't eligible for a VA loan modification, because of my Bankruptcy Chapter XXXX and I already had a loan modification finalized and Approved on XXXX XXXX. I filed for bankruptcy chapter XXXX in XXXX, Texas on XXXX XXXX and it was Discharged on XXXX XXXX XXXX by Federal Judge. Why did XXXX XXXX and First Continental pulled my credit and placed a hard inquiries with XXXX XXXX XXXX XXXX? As of XXXX XXXX XXXX my credit scores dropped and my credit is damaged. My credit scores was around XXXX, now there are XXXX because of hard inquiry on XXXX XXXX. This is a Discrimination and Retaliation against me as a XXXX.American and Military Veteran. I am XXXX XXXX and Retired.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
In  XXXX , I took a {$28000.00} loan for   XXXX   XXXX   with  XXXX   XXXX  - now referred to as Navient. Since that time, I have consistently made the required payments each month for t he past seven years. When I look at my account details, it turns out that approximately {$900.00} of the  actual loan - not interest - has been paid. I have paid {$18000.00} faithfully and respo nsibly for seven ye ars, and all I have to show is less than  a thousand dollar  paid towards the debt. Also, according to my account details, the estimated payoff date is  XXXX / XXXX / XXXX  with the continued payment of {$220.00}. I am unsure as to what kind of math the lender is using, but the projection and monthly payments do not equate - unless the lenders are looking to increase my monthly payment to {$45 0.00}. In fact, the current payment rate would actually take me ten years to pay off.   <P/> As a responsible and educated borrower, I do not feel that the lender is being transparent nor realistic about the repayment process. I call on the Consumer Financial Protection Bureau to investigate this situation as this is a form of financial imprisonment and punishment for me trying to better myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 been battling to dispute these accounts for about 5 years. It doesn't make any sense to even continue when the companies. XXXX XXXX  are some of the means people in the world right beside XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX. You can talk nice to them all day still don't mean anything. If they feel the need to cuss you out it will happen. You must treat customers with respect at all times. 

These are not my accounts and I want them deleted immediately and permanently : XXXX XXXX   XXXX, - Charge offs - Closed Account - Please Delete Permanently. 

XXXX, Charge offs - Closed Account - Please Delete Permanently. 

XXXX XXXX, Charge offs - Closed Account Please Delete Permanently. 

XXXX XXXX XXXX, Charge offs - Closed Account - Please Delete Permanently. 

XXXX XXXX  XXXX XXXX, Charge offs - Closed Account - Please Delete Permanently. 

XXXX XXXX, Charge offs - Closed Account - Please Delete Permanently. 

XXXX XXXX XXXX, Charge offs - Closed Account Please Delete Permanently.

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 2019-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Also, update my personal information to my credit report.

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 2022-01-04
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hello my name is XXXX XXXX and I have been trying to be patient with the bureaus but they have yet to get these derogatory marks and other information taken off my report! I am spending money writing these letters and taking the time out of my day to make sure each bureau gets these letters! I need Transunion to open up an investigation as soon as possible! I sent them a complaint recently and they have yet to respond. The attached letter is the latest letter sent and I expect a response to the matter instead of a mute response. I ready to settle the problem so we can move forward.

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 2017-06-07
Company: Experian Information Solutions 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 status incorrect

Complaint:
I have  XXXX  derogatory account claims on my  XXXX , Experian, and  XXXX  credit report accounts from  XXXX   XXXX  Bank. After carefully reviewing this information I realized that these  XXXX   XXXX   XXXX  Bank credit card accounts were re-aged from late  XXXX  to early  XXXX  and should have already been removed from my credit reports based on  Federal and State of  Florida  Statute Of Limitations. I have reached out to all  XXXX  credit bureaus and filed dispute s and have asked  XXXX   XXXX  Bank as well to show me proof of the accounts and detailed information or to have these removed from my reports. None of the companies have provided me with the complete information that I have requested. My requests has been denied by all  XXXX  reporting agencies and   XXXX   XXXX   XXXX  k has only provided me with the letters attached and also have changed and updated the claims to " disputed '' on my reports. All  XXXX  reporting agencies have pretty much told me the same exact thing, there is nothing they can do and the creditor will need to update the status and/or remove the derogatory claims. I am attaching all of the documents I have sent to  XXXX   XXXX  Bank via  XXXX  certified mail with stamped receipts and proof of signatures and the responses I received from  XXXX   XXXX  Bank for each letter. The document labeled as  XXXX  is the first letter I sent with documentation and the response letters I received from them. The document labeled as  XXXX  is the second letter I sent with documentation and the response letters I received from them. All of these attached documents are labeled and dated with notes as well as my personal information.

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 2017-06-07
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 status incorrect

Complaint:
I have   XXXX   derogatory account claims on my  XXXX ,  XXXX , and Equifax credit report accounts from   XXXX   XXXX   XXXX  . After carefully reviewing this information I realized that these  XXXX    XXXX   XXXX   XXXX   credit card accounts were re-aged from late  XXXX  to early  XXXX  and should have already been removed from my credit reports based on Federal and State of Florida Statute Of Limitations. I have reached out to all   XXXX   credit bureaus and filed disputes and have asked   XXXX   XXXX   XXXX   as well to show me proof of the accounts and detailed information or to have these removed from my reports. None of the companies have provided me with the complete information that I have requested. My requests has been denied by all  XXXX  reporting agencies and   XXXX   XXXX   XXXX   has only provided me with the letters attached and also have changed and updated the claims to " disputed '' on my reports. All   XXXX   reporting agencies have pretty much told me the same exact thing, there is nothing they can do and the creditor will need to update the status and/or remove the derogatory claims. I am attaching all of the documents I have sent to   XXXX   XXXX   XXXX   via  XXXX  certified mail with stamped receipts and proof of signatures and the responses I received from   XXXX   XXXX   XXXX   for each letter. The document labeled as  XXXX -Letter1-Info.pdf is the first letter I sent with documentation and the response letters I received from them. The document labeled as  XXXX -Letter2-Info.pdf is the second letter I sent with documentation and the response letters I received from them. All of these attached documents are labeled and dated with notes as well as my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: Conduent Incorporated
State: TN
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
{$890.00} child support payment was sent Way2Go card that the state makes us receive it on and {$890.00} was stolen out of my account and the merchant couldnt tell who did the transaction nor whos account it went into. The bank doesnt have dependable safety nets to protect our accounts from these type of transaction

Company response to consumer: Closed with explanation