BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-19
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I submitted a dispute for 3 transactions. 1 unauthorized the other paid by another method. The third one I was advised it could not be disputed because it was past 60 days. Recently the unauthorized transaction was as denied ; reason it is past 60 days and the other there was no reason given. When I called the bank they referred me back to the merchant. I asked to speak with a supervisor, called and emailed consumer relations for assistance several times I have not received a reply or call back. Its been 4 weeks. Ive given them enough time to resolve the problem with my checking account. Since then it was closed in the middle of a dispute with no notification or correspondence. The only notification I received was asking if I made changes to my XXXX profile.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-11
Company: EQUIFAX, INC.
State: WV
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:
My information isnt right and I have accounts, loans and more on my reports that arent mine. My name is misspelled and my social doesnt match I have contacted all three Credit bureaus and all three have been unhelpful. When I try to apply for anything that checks my credit it claims that I have no credit in the United States or I have wrong information and it cant be pulled up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
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 information incorrect

Complaint:
Ive tried countless times to fix this issue with Equifax. Ive requested that you VERIFY if these payments in 2015 were indeed late as your the ONLY BUREAU reporting this erroneous data. 

The outcome of the dispute is that the account has been transferred/sold. That is not my fault you CANT VERIFY this payments are in fact late. With that being said being that you cant verify this you should remove these said late payments or update to NR ( no reported ). 

Not only that there are blatant inaccuracies with the payment history. As you can see from the supporting document it goes 30 days to 30 days to 60 days to 120 days to 120 days. Inconsistent inaccuracies thats grounds from deletion to stay within compliance of the FCRA guidelines which Equifax is failing to do. 

XXXX ACCOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: Stellar Recovery, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
After reviewing my credit report I found a collections entry from Stellar Recovery Inc. in the amount of {$340.00}. I have made multiple attempts to contact Stellar Recovery to seek verification for the amount and to settle the debt. I have completed their webform requesting information, and I have tried calling their posted telephone number. The webform submission has not yielded a response and the phone number is directed to an extension with a mailbox that will not accept messages. Stellar Recovery has continued to report to 3rd party credit bureaus that the account is in collections, but have made it impossible to settle the debt. This tactic has a detrimental impact on my credit score and must be corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 information incorrect

Complaint:
I have filed numerous complaints against Transunion. They keep lying and saying they are verifying account information on my report without telling me who they verified with. I sent them proof that my student loan was not late in  XXXX     2017  as it was in forbearance. They updated my payment status, and I sent them another letter to verify the other  XXXX  payments that they have listed late. Instead of them actually verifying, they just updated my payments again to show late in  XXXX . AGAIN I am attaching documents directly from  XXXX  that shows my account was in forbearance! Transunion needs to be held accountable for lying and telling consumers they have verified information, when in fact they have NOT!

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 2022-03-19
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It's unfortunate it has come to reporting these companies that are supposed to be reporting our credit fairly and supporting us. That said it has been well over XXXX months, just this month I spent {$80.00} in certified mail disputing. I have been providing clear and legal documents which I'll include. I have been getting the letters notarized by the state of Pennsylvania, making it a legal affidavit. I have been including more personal information they even need to identify me. All included in the files I attached, this is holding my life back and my family. I am so XXXX  please help and hold these companies responsible for their complete lack of responsibility to uphold the law. I want this fraudulent information off my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
It's unfortunate it has come to reporting these companies that are supposed to be reporting our credit fairly and supporting us. That said it has been well over XXXX months, just this month I spent {$80.00} in certified mail disputing. I have been providing clear and legal documents which I'll include. I have been getting the letters notarized by the state of Pennsylvania, making it a legal affidavit. I have been including more personal information they even need to identify me. All included in the files I attached, this is holding my life back and my family. I am so XXXX  please help and hold these companies responsible for their complete lack of responsibility to uphold the law. I want this fraudulent information off my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-28
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:
I have disputed XXXX XXXX a number of times with XXXX XXXX Experian. None of them have done a full investigation. I have requested a FULL FULL FULL investigation. I demand that a FULL investigation be done as to every aspect of this account. All original signed documents a FULL investigation I demand that the results be made available to me within Five days. This needs to be expedited, all XXXX CRA are in violation of the law. Please forward this to FTR and all governing agencies. I have made this compliant to the CFPB previously. I plan on taking legal action my civil rights are being violated in addition to at this pointe being a willful act to cause me harm.

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 2020-03-11
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX, I opened my dispute for {$1300.00}. 

XX/XX/XXXX, I closed my dispute, With the intent of disputing half the original amount. 

XX/XX/XXXX, Dispute department employee XXXX, Enters all my information for the new amount and assures me within 2 weeks time my information for the new dispute would be mailed to me. 

XX/XX/XXXX, After waiting the 2 weeks, I call in and am informed by supervisor XXXX turns out the dispute can't be reopened. That, {$200.00} is all she can do and I have no recourse but to pay {$1100.00}. 

XX/XX/XXXX, I emailed XXXX XXXX SVP, XXXX XXXX XXXX 

XX/XX/XXXX, I received a voicemail from XXXX XXXX Of Citibank 's Executive Response Unit. 

XX/XX/XXXX, I received a letter stating what had been done. 

XX/XX/XXXX, After requesting through social media to be contacted by email like Mr.XXXX had previously stated I was once again contacted by phone. 

XX/XX/XXXX, After finally receiving an email from Mr.XXXX. I emailed the executive response unit and have yet to receive a reply. 

After much back and forth, I've yet to speak with my point of contact XXXX XXXX. When I requested a direct phone number to reach someone other than XXXX it could not provided. According to the letter, I was credited {$90.00}. This coming after never receiving the {$650.00} that Citibanks dispute department assured me would be issued. This was their employees mistake and the issuance of a partial credit only affirms that mistake.

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 2021-08-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had money {$2500.00} deposited in my checking account using XXXX. At the time my company instructed to use the money to purchase Bitcoins through a XXXX kiosk. I did that and placed the money in a wallet that was provided to me. The transaction was successful. 
A claim has been made now for {$2300.00}. I called the bank and was told they could not help as nobody knew what the complaint was ( XX/XX/XXXX ). I called back on the XXXX and was then was told about the complaint. No details were given, just that the complaint was filed. Without investigating or asking me any details they just took the money. I asked if they could investigate. I was never told they would. More-less the money was gone. They acted like they could care less, and their was nothing they could do.

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 2022-10-03
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( XXXX ) ( C ) Authority to decline or rescind. 

( XXXX ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX Date Opened XX/XX/2013 XXXX {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: Nelnet, Inc.
State: OR
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: Problem with personal statement of dispute

Complaint:
The cares act has been in continuous effect since XX/XX/XXXX. 

Nelnet ... servicer of my govt studend loans has twice ( x5 loans =10 neg reports ) reported negative pay status of 120 days. 

Federal student loan payments are scheduled to restart beginning in 60 days.. President Joe Biden extended temporary student loan relief through XX/XX/XXXX, which was his third extension. this makes a total of five ... more imoptantly... 

why do i have the the servicer of federal loans reporting negative status during this timeframe? 
i have disputed this twice now... i still have negative reports. 

the cares act has been in continuous effect since XX/XX/XXXX and currently runs through XX/XX/XXXX ... No negative status reporting during student loan relief... Nelnet is wrong to do so...... TWICE... why is this so hard to understand? Why are they ruining my credit? 

XXXXXXXX XXXXXXXX XXXX XXXX ( service connected ). last gainful employment XX/XX/XXXX. 
Unemployability- fully developed claim SUBMITTED XXXX and wrongfully denied XXXX, XXXX claim error presented to Veterans law judge- currently under review

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: LD Holdings Group, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I locked into a Loan Estimate in XXXX. I was told it would be submitted to Underwriting and stay locked, but received a 2nd Loan Estimate on XXXX as we were about to close. The difference between both Estimates is over {$12000.00}. Can they quote & lock an original estimate and then change just prior to closing?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: Glasser and Glasser, PLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I had an old debt with a XXXX XXXX Credit Card that was bought by Glasser and Glasser , PLC. I made payment arrangements. I paid what I thought was the full outstanding amount. Unbeknowst to me, I had an outstanding balance of XXXX. Glasser and Glasser filed in the District Court of MD case # XXXX to garnish the full amount on XX/XX/XXXX This amount was garnished by my financial institution : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX MD, XXXX. Glasser and Glasser did not notify me in writing of the intended garnishment. My bank answered the garnishment request on XX/XX/XXXX as recorded by the District Court of MD and sent all necessary paperwork as requested to Glasser and Glasser. I have called on several occasions as well sent multiple emails requesting an order for signature from Glasser and Glasser to release the funds to satisfy this debt. I have gotten nothing but the run around from this company for the last month stating that they do not have the paperwork from my bank. I have included a collections representative from my bank in each email and he as well has reached out to the company providing copies of paperwork sent and requested that anything additional be sent to my bank. The only answer we receive is to call again! This is the contact information : XXXX XXXX ( She is the individual I have spoken to and emailed multiple times ) Senior Account Manager Glasser and Glasser, P.L.C. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX XXXX XXXX XXXX XXXX XXXX ( fax ) XXXX XXXX Collections Manager XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28
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: Their investigation did not fix an error on your report

Complaint:
I have disputed  XXXX   XXXX  a number of times with   XXXX   Transunion  XXXX . None of them have done a full investigation. I have requested a FULL F ULL FULL investigation. I demand that a FULL investigation be done as to every aspect of this account. All original signed documents a FULL investigation I demand that the results be made available to me within Five days. This needs to be expedited, all   XXXX   CRA are in violation of the law. Please forward this to FTR and all governing agencies. I have made this compliant to the CFPB previously. I plan on taking legal action my civil rights are being violated in addition to at this pointe being a willful act to c ause me harm.

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 2016-01-15
Company: Municipal Collections of America Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
On XXXX/XXXX/16, I received a call from a debt collector from a company called Municipal collections of America, I think. He called me to tell me that they were going to suspend my driver 's license for unpaid tickets. He said that we can file our XXXX ticket to the State of Illinois and suspend your drivers license. I informed the man that there are no tickets on my credit report. He said that we saw your disputes come thru from the major credit bureaus and we did n't dispute them. So I informed him that since you did n't validate the amounts or validate that I owed for those tickets, why are you trying to suspend my license? He said that he did n't want to hear anything other than if I was going to pay XXXX dollars. Then he could stop the process of suspending my license. I tried to ask the man why would you not validate the amounts and the accounts? He said that there is no time for all that, Am I going to pay the XXXX dollars? or do I want my license suspended? I said I am going to call XXXX to find out what is going on. He said, Im going to go forward with suspend your license. He hung up the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Am having 4 issues with my chase checking and savings accounts.

1. they started charging me {$6.00} on a no fee checking account last month 2. they are now putting holds on 2 checks i deposited today. one from XXXX XXXX for {$500.00} and one from XXXX back for {$0.00}. yes i know crazy that XXXX would send a check for XXXX XXXX. the first {$500.00} is supposed to be immediately available 3. I was logged into my chase checking account when i opened my chase savings account. according to there website at signup time i was supposed to receive twice as much interest on my savings as they are paying me. they refused to resolve this at the bank a number of months ago nor could the rep who called me about it fix it unless i went to the branch which said they could not fix it and that some one would call me.

4. I am not getting interest on my checking account like they said i would receive if i opened a savings account with more then $ XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-23
Company: EQUIFAX, INC.
State: GA
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:
XXXX XXXX XXXX XXXX -Contacted company and credit bureau XXXX no response XXXXXXXX XXXX XXXX XXXX -Contacted company and credit bureau XXXX no response XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Company: Experian Information Solutions Inc.
State: NC
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:
I've reached out to Experian and this company no matter how many times I call, or police reports I file, will not remove these items from my report that don't even have my social!They are putting items from another person with another social on my report. They are putting another name, and addresses on my report as negatives.The accounts are not mine. The social doesn't match nor the name!Yet it's still in my file.I've paid them for their so called monitoring. I've spent hours on the phone and also sent a certified letter.Any and all accounts without the name Thomas Pizer are not my accounts.My social ends in XXXX  not this other number. I've sent them a certified notorized letter asking for the signed contracts for these accounts and nothing. No response. They also refuse to allow me to freeze my credit file.

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