BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-11
Company: Samuel Whitaker & Associates LLC
State: MD
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:
On XX/XX/XXXX I received a Notice from XXXX XXXX XXXX, XXXX dated XX/XX/XXXX stating they were initiating foreclosure proceedings and the Notice stated that " The following information is provided to you as required by the Federal Fair Debt Collections Practices Act ... This is an attempt to collect a debt, this is a communication from a debt collector ... '' On XX/XX/XXXX, I sent a letter via certified mail to XXXX XXXX. XXXX, XXXX requesting verification and validation of the alleged debt. To date, I have never received verification and validation of the alleged debt. On XX/XX/XXXX, XXXX XXXX XXXX, XXXX filed a non-judicial foreclosure action against me to dispossess me of my personal private property without a legal right to do so. 

In XX/XX/XXXX, I filed an FDCPA claim against XXXX XXXX XXXX, XXXX and their employees for the illegally filed non-judicial foreclosure action. On XX/XX/XXXX, the United States Court of Appeals for the Fourth Circuit, Appeal Number 15-1444, determined that XXXX XXXX XXXX, XXXX and its employees were " debt collectors. '' In the XX/XX/XXXX opinion it states " In sum, we hold that ____ complaint adequately alleges that the XXXX XXXX  and the Substitute Trustees were debt collectors and that their actions in pursuing foreclosure constituted a step in collecting debt and thus debt collection activity that is regulated by the FDCPA. '' On XX/XX/XXXX, in a later Memorandum and Order the judge stated I sufficiently stated a claim under 15 USC 1692g ( b ). The judge is now stating the XXXX XXXX and substitute trustees never verified and validated the alleged debt back in XX/XX/XXXX and had no lawful nor legal right to file the non-judicial foreclosure action without verifying and validating the alleged debt.

Company response to consumer: Untimely response
Consumer complaint received 2022-01-15
Company: EQUIFAX, 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:
XX/XX/2022, I have disputed a bankruptcy with nationwide consumer reporting agencies Equifax, XXXX and XXXX. They are reporting an inaccurate bankruptcy in my public records. So I did some investigating and contacted XXXX. XXXX sent me a letter stating the nationwide consumer reporting agencies reported the address XXXX XXXX XXXX, XXXX, NC XXXX back to XXXX when I disputed this bankruptcy. I ( HIGHLIGHTED ) the sentence of the ATTACHED document. THIS ADDRESS IS NOT ON MY CONSUMER CREDIT REPORT. I also called the three credit agencies and recorded the call. I asked the agents if this address was on my report and the agents said, NO. I REQUEST A REINVESTIGATION. Refer your investigation to the document XXXX sent me as evidence that the address is inaccurate and the bankruptcy must be removed. This clearly is a violation of the FCRA 15 U.S code 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Credit Glory LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
This company LIED on my behalf and does for others. They claim on my behalf that I was a victim of identity theft, which I was not! I am attached a letter they sent on my behalf. That place should be SHUT down!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: EQUIFAX, INC.
State: FL
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:
These inquiries listed below are fraudulent and i have no knowledge of them and I didn't give permission to any of these companies to inquire about my credit. 

XXXX XXXX INQUIRY DATE XXXX XXXXXXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX XXXX INQUIRY DATE JXX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX INQUIRY DATE XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX INQUIRY DATE XX/XX/XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: EQUIFAX, 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:
On XXXX I received an alert of a hard inquiry on my credit by XXXX XXXX. I contacted XXXX and alerted them to possible fraud. They confirmed that they had identified the online attempt to open an account as fraud. The XXXX Fraud Prevention Team sent me an email on XXXX saying that they were notifying all 3 credit bureaus ( including Equifax ) of the request to remove information regarding the fraudulent activity. The hard inquiry remained on my credit report, so I disputed it with Equifax on XXXX and again on XXXX. Equifax failed to take any action either time, and sent me a letter saying the dispute was closed and I should contact XXXX. Of course, I had already done that. Their letter also states that I can submit any additional documentation regarding the dispute online and gives their web address. This information is false and Equifax 's systems do not allow consumers to submit documentation in connection with an initial dispute of a fraudulent hard inquiry or after it is decided against them. 

As a practical matter, Equifax is not actually offering a real ability to dispute a hard inquiry. They do not allow documentation to be submitted with a dispute and they do not investigate. They merely confirm that a hard inquiry was made ( which is in fact always the case with fraud ) and then they close the dispute. 

Congress should regulate the credit bureaus and take action to protect consumers. Equifax has been on notice for months that they are providing misleading information that materially impacts my credit score due to fraud, and has made no effort to resolve it. Their systems are designed to prevent me from submitting any documentation. I have called them numerous times and am not getting any help. 

Please assist in getting this fraudulent hard inquiry removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: SYNCHRONY FINANCIAL
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Synchrony Bank has not transferred {$3400.00} to my checking account after repeated calls and their assurance that the money would be there " tomorrow '' and it has not yet been transferred. 

The attached document explains all that has transpired.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-15
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX Attorney General and FTC

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Hello, Im holding an account with PNC and Im very disappointed at the service through phone and at the bank in person. I needed to speak to someone about a fee charge and it took forever to get through the million questions a computerize person ask on the phone, it is really annoying and on the phone they could not resolve my issue cause the manager was not there, I did not know the PNC only have one manager for the amount of account holders they have, it is embarrassing and unethical. second I went to the bank at XXXX, New Jersey where the tellers were not help and the manger of the place saw me struggling to get someone on the phone and never took the time to actually talk to me and help me out. What are they there for then? then i walked to her to see if she could unlocked my online account and help me with the fee she had someone coming to her computer and do some work, I got extremely annoyed and left. I do not see the interest or effort from them to help anyone, or maybe a customer they do n't know or like. Im extremely disappointed at PNC and their service, I look forward to cancel all my accounts with them and let everyone know how they really are. not a good bank at all, they are slacking big time!! Now I 'm still here trying to unlock my account and resolve the fee issue. SMH!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-15
Company: JPL Recovery Solutions
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2018, I spoke with a JPL Recovery Solutions representative named XXXX XXXX '' over the phone. He claimed that I owed more than {$16000.00}. He also claimed that he would be sending paperwork to my employer that same day to begin garnishing my wages unless I immediately agreed to pay a total of {$4300.00}. XXXX also told me that I had to agree to automatic withdrawal from my account, beginning with a payment of {$1000.00} on XX/XX/2018. I agreed to this arrangement because I was scared of getting my wages garnished, even though I have never had any agreement with JPL Recovery Solutions and JPL Recovery Solutions has never given me any documentation showing that I owe them anything. I later received legal advice, and learned that JPL can not legally garnish my wages without a court judgment and order permitting it to do so. JPL lied about the amount I owed and also told me that I had to agree immediately or face garnishment. In fact they aren't allowed to garnish my wages at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: Oklahoma Student Loan Authority
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I applied for XXXX  XXXX XXXX XXXX in XXXX of 2020 and my application has still not been accepted or denied. This is usually a few months process, and it has been over a year since first sending my application. When speaking with customer service they don't know why the application has not been accepted and they are unable to answer any questions I have about why it is taking so long. I am told my application has been resubmitted for a third time. The loan servicer does not return phone calls when promised and I am constantly following up to try to get answers, but they do not have any.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: Experian Information Solutions Inc.
State: AZ
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 disputed the late payments on XXXX XXXX account for months. XXXX  and Experian refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2022-01-15
Company: LTD Financial Services, L.P.
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LTD Financial services has never notified me of any debt collection nor did they notify me of their intention to pull my credit bureau 30 times in less than a calendar year driving my score down. This is an abuse of financial power and should be punishable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: NEW YORK COMMUNITY BANK
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I had previous mortgage loan with Newyork Community Bank ( NYCB ). Loan # XXXX I recently refinanced with same lender in XX/XX/XXXX, loan #  XXXX, and escrow was signed onXX/XX/XXXX. Title company for refinance was XXXX XXXX XXXX XXXX chosen by lender. I made XX/XX/XXXX payment for previous loan ( XXXX ) which was posted on XX/XX/XXXX and  money got deducted from my account by XX/XX/XXXX. Therefore final principal payoff amount was {$420000.00} ( not {$420000.00} ) and new funded loan was for principal amount {$420000.00}. I waited till 3rd week of XX/XX/XXXX to  received difference between previous pay-off and new loan amount {$680.00}. After that I called NYCB and they opened inquiry within and promised to give me call back within 48 hours. Never received call or voicemail. After that I sent email through secure messaging system in my login account on XX/XX/XXXX. Followed up 3 times after that but no response so far. I did receive check for {$2200.00} from NYCB that was for balance in escrow account which was there for property tax payments at the time of closing. I still need to receive {$680.00}, which is difference between previous payoff and new loan amount which NYCB is reluctant to give me. I called title company as well and they said I need to deal with lender for that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2022-06-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act Wells Fargo Auto account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-01-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I sell on XXXX XXXX, so I receive many checks to be deposited. On XX/XX/XXXX, I opened a savings account online at Capital One Bank XXXX Performance Savings Account. On Tuesday, XX/XX/2022, I made a mobile deposit of 12 checks. On Wednesday, XX/XX/2022, I received an email from customersecurity@capitalone360.com We noticed unusual activity on your account ending in XXXX. From Capital One, XXXX XXXX XXXX XXXX XXXX. XXXX, MN XXXX. On Monday, XX/XX/2022, I received another email from customersecurity@capitalone360.com I called Capital One Bank on Friday, XX/XX/2022. After speaking to the Capital One representative and waiting on hold for over an hour, I was told that my Capital One Savings Account would be closed and that I would have to wait for six months until a certified check for the funds in my account be mailed to me. I can not wait six months.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
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:
I am a victim of the recent hack to XXXX files. In an effort to secure my identity and credit, I have been placing a credit freeze on my accounts. I have been successful with placing freezes with XXXXx and XXXX. I did it online, and it was done within minutes. 

However, Transunion has been giving me problems. They are unable to handle my request online - the others did and did it promptly. When I call the number provided by Transunion - XXXX, I have waited on the phone for no less than XXXX hours a day, waiting in cue for a customer representative of TransUnion to pick up the phone so that I can put a freeze on my account. This has been since the announcement came on Friday night XXXX. 

I am a victim and Transunion is further victimizing me. They are inefficient with services. There is no reason for them to not operate efficiently like the other XXXX reporting agencies. They are leaving my credit vulnerable by letting me wait hours on hold to now not even get into a cue. I get a busy signal! I ca n't freeze it online with the same information that I supplied to the other XXXX companies. What is the problem? I want a freeze placed on my credit today and I want an apology for their ineptness and their role in further victimizing me and leaving me vulnerable to attack.

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 2022-06-16
Company: Comerica
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On XX/XX/2022 there was a charge made fraudulently to my Direct Express card where I receive my monthly XXXX benefits in the amount of {$56.00}. 

I immediately disputed this charge and completed their customer statement of disputed transaction the card in question was closed and a new card mailed. 
A refund was issued XX/XX/2022. 

I received an email XX/XX/2022 advising me they were charging me back the {$56.00} putting me in a negative balance and was told their decision was final. 

I have never received any merchandise for this fraudulent charge. 

Now Direct Express has put a block on the card my child receives her monthly XXXX XXXX 

This outrageous and I need immediate help resolving this matter. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-30
Company: Debt Relief Center
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a letter from Debt Relief Center, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX stating its the second notice to collect a debt of {$30000.00} at a proposed settlement of {$15000.00}. I issue is I dont owe any debt so this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: NC
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 mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. Also, their leadership, who were well aware of the hack, dumped their stocks prior to making the information public. This is entirely unethical and a poor handling of invaluable data.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make these changes. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Its been more than 30 days and the credit reporting agencies are in violation of the law because I am a victim of identity theft!

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