BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-23
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NC
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
After agreeing to make payments from this summer until loan was paid off, they agreed to this. Now I sold my home on XXXX XXXX XXXX XXXX, XXXX, NC, Springleaf has refused to re assign the property lien over to me so that I can avoid foreclosure. If the " short sale in lieu of foreclosure '' does n't close by XXXX XXXX, 2015, the home will be foreclosed. Please have Springleaf reassign the lien to me so that I can avoid foreclosure. I do not get proceeds from the sale.The loan manager on XXXX XXXX, by previous name American General, came on to me as harsh and rude. Now I am working with that home office to stay away from him, XXXX XXXX, XXXX XXXX XXXX XXXX, NC.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: BMW Financial Services NA, LLC
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
BOTH BMW AND BMW FINANCIAL SERVICES ARE " FRAUDULENTLY '' REPORTING TO ALL CREDIT REPORTING AGENCIES - XXXX, XXXX AND XXXX ACTUAL LAST THE DATE OF USE " AFTER THE BANKRUPTCY XX/XX/2010 ''. ACCORDING TO FRCA RULES AND BANKRUPTCY RULE, THESE NEGATIVE ACCOUNTS WILL BE DELETED BY NOW. BOTH BMW AND BMW FINANCIAL SERVICES ARE CRIMINALLY RESPONSIBLE FOR THIS FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have a new hard credit inquiry, that I did not authorize on Equifax. It for   XXXX   XXXX  , which is something I would never want. Awhile ago I applied to prequalify for a credit card but never gave anyone permission to run this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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/XXXX I requested that TransUnion and XXXX and XXXX XXXXXXXX XXXX conduct a proper investigation under 1681 and all sub chapters. They are continuing to violate 15 USC 1681 ( a ) 15 USC 1681 ( a ) and all the subchapters regarding reinvestigating procedures and 15 USC 1681 ( i ) On a previous dispute I received correspondence dated XX/XX/XXXX, stating that they were not going to conduct any further investigations and that all accounts were verified. I sent documentation regarding XXXX XXXX XXXX account number XXXX and that correspondence states that this loan was not approved and should never have been submitted as a debt on my credit file. Had TransUnion conducted a proper investigation that account should have been deleted immediately. A copy of the letter dated XX/XX/XXXX states that I was not approved for the loan. I have come to the conclusion that TransUnion is knowingly and intentionally with a deliberate indifference continuing to violate my consumer rights. The correspondence from TransUnion that I received has a file # XXXX ; TransUnion stated that they verified the following accounts Account Name : XXXX XXXX XXXX, Acct # XXXX Account Name : XXXX XXXX XXXX, Acct # XXXX Account Name : XXXX XXXX XXXX Acct # XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Acct XXXX XXXX Account Name : XXXX XXXX XXXX, Acct # XXXX Account Name : XXXX XXXX XXXX, Acct # XXXX Account Name XXXX XXXX XXXX, Acct # XXXX Account Name XXXX XXXX XXXX XXXX, Acct # XXXX On XX/XX/XXXX, I requested a reinvestigation and TransUnion refuses to comply with the consumer protection laws that have been placed by congress to protect the consumers like myself. 
I am requesting that the Consumer Financial Protection Bureau conduct an investigation into the misconduct and unlawful practices by TransUnion.

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 2020-01-14
Company: EQUIFAX, INC.
State: NY
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:
Upon checking a recent copy of my credit report, I have discovered a Charge-Off account appears under XXXX with a balance of {$3100.00}. I am unaware if having any charge off accounts with XXXX. Please remove this information immediately as it is inaccurate, and is severely limiting my banking abilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: BC SERVICES, INC.
State: MN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
a company by the name of BC SERVICES INC are reporting a Balance {$1800.00} I have NO CONTRACT with this debt that is being reported I have asked that this account be verified and proof sent to my address and I have not received anything

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 2022-08-27
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I initiated an international wire transfer on the XXXX of XXXX from my Chase business checking account for XXXX dollars that has not been received by the recipient branch. The wire was sent to my father 's bank account in XXXX. It has been 16 days since I made this transfer. An international wire transfer is supposed to take 1-5 business days. My first phone call to customer service at Chase was on the XXXX of XXXX inquiring why the wire had not been received by the recipient yet - since my account had been debited days ago.I was informed to wait until the end of the week to start an investigation. I called back Monday the XXXX and was issued a case number XXXX but I have been unable to get anyone in Client service to actually track or follow up with what is going on with the transaction. After a week of waiting, on the XXXX of XXXX I had to harass customer service for a helpful answer and was finally directed by an agent to something called the " secure messages center '' which is a service that exists within the Chase online banking app - a service I did not know existed, nor was informed of by Customer service until I threatened to escalate the situation. To summarise it is like a private inbox within the app itself and the messages sent or received here are not reflected in my regular email inbox that is linked to my bank account. Therefore, unknown to me, this entire time, there had been a message in the Secure Message Center inbox from their " XXXX XXXX XXXX XXXX XXXX '' sent on the XXXX of XXXX stating that the wire could not be completed because the XXXX XXXX XXXX XXXXXXXX required more information regarding the purpose of the wire and that if I did not provide this information within 5 days of the receipt of that message, a recall would automatically be initiated and i would be charged the fees to process the same. Since not a single Customer service agent I had spoken to directed me to this service until the XXXX of XXXX, or even informed me that such a service existed and that I had probably overlooked a message regarding my wire in this specific part of the online banking dashboard, I did not end up being able to provide the relatively simple information that could have allowed the wire to go through within the required time window. The message also mentioned that the recall would take 3-5 business days and that I could contact the XXXX XXXX XXXX XXXX XXXX XXXX for any further information. When I attempted to call this number on the XXXX of XXXX I received an automated response stating that this department was unavailable. In my last conversation with a customer care specialist with Chase I was informed it would take 3 months to recall my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: PNC Bank N.A.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, the PNC Bank branch in XXXX, New Jersey allowed my family member to make a deposit into my checking account. This is an unwanted deposit. I do not want any type of " friendly " deposit allowed into my personal banking account. This can not be allowed. I did not want the deposit and the information should NOT have been shared. My family member now knows my banking account information and received it directly from the bank teller.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: Direct Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
XXXX XXXX calling neighbors that I do n't know and informing them that they are FBI and to contact the immediately about a debt I have. I noticed other complaints online from that name/number, that they are Direct Recovery ServicesXXXX XXXX XXXX, XXXX, NY XXXX ( XXXX ) XXXX

Company response to consumer: Closed
Consumer complaint received 2017-04-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have never done business with the reporting collection company. I have disputed the information and requested validation of debt. The collection company would not reply to my request for validation. The credit bureau refuses to remove the account, however, their online systems still show the investigation as " pending '' after 3 months, and they never sent me a written notice of the investigation. All of the other credit bureaus have already removed this account from the records due to it containing false information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-27
Company: National Credit Systems,Inc.
State: TX
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/22 I contacted national credit systems regarding the two trade lines reporting negatively on my consumer report. They advised me that my file was with XXXX XXXXXXXX XXXX XXXXXXXX. The law firm confirmed that I only have one debt but they were not going to remove the second account until the first Alleged debt was paid. I sent this Exact letter to National Credit Systems, XXXX, XXXX, and XXXX. XXXX removed both trade lines and XXXX and XXXX just removed one. My complaint is directed towards National Credit Systems due to them verifying the debt with the credit reporting agencies but sending me a letter saying their Unable to locate my account. 


This ONE company is in violation of the following : FDCPA 15 USC 1692g FDCPA 15 USC 1692e FDCPA 15 USC 1692f FDCPA 15 USC 1692k And furthermore NCSs actions are putting XXXX and XXXX at risk due to these credit reporting agencies violating the following : FCRA Section 623 ( a ) ( 3 ) FCRA Section 623 ( a ) ( 1 ) ( a ) ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My PayPal account was fraudulently used to make a {$230.00} purchase from XXXX with my credit card. On XX/XX/2022 at XXXX I received a text message from PayPal that my account had been charged {$230.00}. Upon inspection, my card had been used via PayPal to purchase a XXXX Thermostat going to one XXXX XXXX in XXXX, NY. I changed my PayPal password, removed all payment methods, and reported the fraudulent charge to my credit card company. PayPal portal keeps crashing when I try to report the charge. I have notified XXXX who are working to cancel the order.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: DISCOVER BANK
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: Information belongs to someone else

Complaint:
The is my second dispute and the accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. This is in Violation under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 623 of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 

The Account : DISCOVER FINCL SVC LLC # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-22
Company: CAINE & WEINER COMPANY, INC.
State: NY
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:
# 1 - Creditor Name : XXXX XXXX - Amount : {$1100.00} - Date Opened : XX/XX/XXXX - Account Number : XXXX # 2 - Creditor Name : Caine & Weiner - Amount : {$380.00} - Date Opened : XX/XX/XXXX - Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: SYNCHRONY FINANCIAL
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 status incorrect

Complaint:
SYNCB/CARE CREDT is reporting erroneous lates on my credit file. these lates are for the month of XX/XX/21. I was experiencing hardship during COVID and received a few lates throughout that time that I was experiencing hardship. This was really damaging to my credit. I had high credit limits and all those were all brought down. So not only did my credit utilization skyrocket but with the lates my credit took a huge loss. I am asking that you to please remove the reported lates during the pandemic. I was in contact with you and let you know I was experiencing hardship. Under the federal mandate, CARES ACT, you can not report lates during the pandemic. I have been a long time customer and if you review my file you will see the only time I was late was during this troubling time.

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 2020-09-25
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have multiple trade lines on my credit report but I've been told that because they know I'm XXXX by identifying my social begins with XXXX and end with a XXXX I have a lower score then those that began with 200 or 100 which are 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 2016-07-12
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
My son suffered a XXXX in 2013 and I had to take him to XXXX Colorado for treatment. While I was there my ( now ex-wife ) who is not my sons Mother decided to divorce me seeing my son XXXX as a potential drain on retirement. She cleaned out all the cash and locked me out of every credit card and bank account we had. 

Citibank was among those cards where we shared a joint account. I was equally responsible for the debt and enjoyed full card privileges. I used that card to cover reimbursable expenses while my son and I were in XXXX ( XXXX transferred him after a long fight ). When I arrived home with my son who could speak again ( See : XXXX for the result ), What my ex-spouse and her attorney sister had figured out you could do to another consumer using privacy laws was as amazing as it was devastating. I lost my home, all my savings, tens of thousands of my son 's recovery money was gone. All of it protected by privacy laws. I was eventually driven into bankruptcy defaulting on my own lenders needlessly, my son 's miraculously successful rehabilitation terminated, and I was forced to sell my home. 2 years later I still can not even get Citibank to release my statements from 2013 citing privacy laws. Those are my own financial records too. I need those statements to get food and lodging and other expenses reimbursed and Citi refuses to release them.

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 2022-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
There are inquiries on my transunion report that I have disputed that arent mine. I didnt authorize any of these inquiries. Transunion is not removing these. Which is having a big impact on my credit score

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 2020-09-25
Company: Valentine and Kebartas, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX XXXX sent Valentine and Kebatas at XXXX XXXX, XXXX XXXX. to threaten to take away my SSI benefits but I only get {$520.00} a month and XXXX from an accident and in XXXX XXXX on XXXX XXXX after two XXXX  both XXXX  and XXXX. My last XXXX  was XXXX and I am still not healed from that one. I read that SSI can not be garnished but they are persisting at XXXX XXXX XXXX calling me day and night threatening to sue me and garnish my SSI.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: PNC Bank N.A.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
PNC Mortgage ( PM ) sold my property ( XXXX bedroom Condo ) loan # XXXX ( {$200000.00} at 5.5 ARM ) in foreclosure to Federal Home loan Mortgage ( XXXX XXXX ) on XXXX/XXXX/XXXX at XXXX for {$130000.00} after agreeing to a loan modification. PM dual tracked the loan modification process using lawyers XXXX XXXX XXXX XXXX and sold the property using auction house, XXXX XXXX. ( Case Case XXXX of the Circuit Court of XXXX XXXX County ). PM represented by realtor XXXX XXXX of XXXX XXXX gave me instructions to vacate the property and i did. I moved in with family at XXXX, XXXX XXXX, Maryland. The completed sale of the above property and its terms were mailed and communicated to all stakeholders of the property including my Condo Owners Association ( COA ) lawyers XXXX XXXX XXXX and XXXX on XXXX XXXX, XXXX. Two whole years went by, uneventful. Precisely XXXX XXXX, PM started calling me incessantly. They offered to do a loan modification if i successfully completed a 3 months trial period. I did, but when I went to look at my property, i found squatters and dogs on the property. I went to court with advice and representation by Attorney XXXX XXXX XXXX to evict them. The last of the squatters was evicted by Maryland Sheriff Department in XXXX of XXXX. The loan Modification was completed XXXX XXXX and to my Surprise, PM added over two years of payments ( this is the period for which they had sold the property to Federal Home Loan Mortgage, XXXX/XXXX/XXXX through XXXX XXXX ) to my loan modification total. I complained bitterly on the phone many times to XXXX of loss Mitigation ( my appointed point of contact ) at PM and in writing about my loan modification arrangement demanding a change to my loan modification. I wrote letters dated XXXX/XXXX/XXXX, XXXX XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX but they would not investigate nor correct nor make the necessary changes. Matters have gotten really worse because my Condo Owner Association ( COA ) lawyers XXXX XXXX XXXX XXXX XXXX XXXX. of XXXX has being pursuing me for COA fees that I do not owe. This was fees for the period that PM and XXXX XXXX took possession of the property. Liens upon liens on my property, penalties upon penalties, fee upon fees to the tune now of about {$40000.00} and collection letters is being falsely appropriated to me. I am sick and tired of being harassed, bullied and taking advantage of by both PNC Mortgage and my COA lawyers XXXX I need your help to correct this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have an Experian account. I can not use it because the site sends me into a continuous loop and there is no one to answer the phone or speak to about it. Because of this I can't cancel or delete the account and set up a new one, so I'm completely locked out. They are an awful company with lousy service and it's impossible to get a 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 2016-03-24
Company: Diversified Consultants, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge this company has never sent me a letter informing me that I owe them anything. I was not afforded my rights under the FDCPA to validation

Company response to consumer: Closed with explanation