BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-21
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Hi. I had recently received a call from a collector ( Insight Captial ) stating that I have a summons and that they have been trying to reach me but I did not receive anything. They started that if I did not contact them immediately they will send it to my employer. They said that they were trying to collect a debt of over {$700.00} that I owed their client for return payments. They had all my information like SSI, drivers  license number and home address. I told them I do n't know what they are talking about and owe nothing. They continue to push so I decided to end the call. I 'm not sure what they were looking for but the bank they had on file for me was an old bank ( XXXX XXXX XXXX ) I used almost 7 or 8 years ago. I asked them for whatever they have like contract but they would not send it to me. They wanted me to set up a payment plan with them with me going over the information. Thank you in advance, 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 2022-07-06
Company: EQUIFAX, INC.
State: PA
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:
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I sent a letter to Portfolio Recovery Asso, LLC to stop contacting me by phone or mail. Also, I received 2 1099-C forms saying that 2 amounts were discharged XXXX and {$810.00}. I received this after the statue of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or around XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX XXXX from my Coinbase XXXX account to this fraudulent investment company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: EQUIFAX, INC.
State: MD
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 was denied credit in XXXX of 2017, I 've contacted Equifax on six occasions to request my free report. They advise me that there is a special department that I have to speak with and that they will contact me. Three months later I have not heard from anyone nor have I received my free credit report from being denied credit. I assume this behavior is due to litigation that I am involved in with Equifax. However it is unlawful not to provide me the requested credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 am exhausted from TransUnion blatant disregard for my cosumer rights. Violation after violation has been committed under the Fair Credit Reporting Act. The Act clearly states credit reporting companies has 30 days to complete dispute or the item in question is removed due to its unverifiable status. I will not stand for this anymore! TranUnion needs to remove the following items from my credit report. The items are submitted with this complaint. Failure to comply will result in a civil lawsuit againgst TranUnion. TranUnion clocks starts now. They have 10 days to remove the items or the whole corporation will be hearing from my lawyer The Law is clear!

I have ask for pertinent information in their dispute results which is verifired as accurate but I have not gotten any infromation. These two current dipustes have been over 30 days. Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2022-07-06
Company: Experian Information Solutions 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:
Dear to whom this may concern, I submitted proof that information on my report was falsely being reported, but the company continue to say it is accurate. They have not shown how this information is accurate or verified, therefore it should be removed. 

Bankruptcy XXXX filed dispute XX/XX/2022 Bankruptcy XXXX filed disputXXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-17
Company: Bread Financial Holdings, Inc.
State: NY
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:
On XX/XX/XXXX I purchased XXXX tickets from a site that boasted a 200 % money back guarantee. I received an envelope with a print out of my receipt but no tickets. I called and emailed the site, with no response, so I contacted the venue and they could not help either. I filed a dispute with my credit card company and was refused, even though they also boast a money back guarantee. I reopened the dispute but was denied again. So I called and emailed several times, again with no response and I also opened a case with the better business bureau. Pay pal responded to say that they could not help, m but a member of the credit card team would be in contact. No one ever called back or responded to me reaching out further. Info : Type Counterparty Transaction ID Date Amount Reason Filed on Status Case ID Email Dispute My Ticket Tracker XXXX XX/XX/XXXX - {$260.00} USD Not as described XX/XX/XXXX Case Closed D -- XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: PNC Bank N.A.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX, I refinanced my home mortgage with XXXX XXXX as the loan servicer. In XXXX of XXXX, I was notified that servicing of my home mortgage loan had been transferred to PNC Bank effective XX/XX/XXXX. I was notified in writing that my automatic monthly payments would continue with PNC Bank, however, I never received a pin # for PNC online banking, and when I called the customer service line on XX/XX/XXXX to ensure that my mortgage would be paid I was informed by the representative that automatic payments had not been set up. Additionally, they were still unable to assist with enrolling me in online banking so that I could review the account and make a payment. Instead I had to make a payment over the phone which incurs a XXXX XXXX  transaction fee. PNC has made the transfer of my home mortgage a terrible experience, and has been completely uncommunicative throughout the transfer period.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
They double-charged my payment this weekend, causing my checking account to nearly overdraft. I had to borrow money to cover it, because they also are not answering emails or the phones. Yesterday the phone line wasn't even working. Today I thought I was finaly going to get through and then I go through all the trouble and waiting for a rep. At the end there's a recording saying to call back later. That's not okay, it doesn't seem legal. And I'm really upset with Comenity. I wish they never took over the XXXX XXXX EXtra Points card- i have had numerous issues with them including them shutting my old XXXX card off without any notice. 
I've even tried calling the hearing impaired line because this was an emergency - their website was not working this weekend and it wasn't showing a scheduled payment. So I made another - and then you charged it twice. I need the second payment of {$63.00} refunded now, but I can't get ahold of them to do so. 
The real issue is that it's been two business days that I can not talk to ANYONE to receive help, this doesn't seem legal. This is a credit card, not a cable bill - this is something urgent. 
The numbers posted on their website get you nowhere. 
XXXX XXXX XXXX ( TDD/TTY : XXXX ) TDD/TTY XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 requested validation ( in the form of the original contract ) from the bureau for the fraudulent account. I sent in a letter and a FTC report just like the bureau request and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and blatantly ignored my request which the law states that I am able to request the contract that they have on file between me and this company.

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 2022-02-03
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
As discussed with CFPB officer over call, this is not a duplicate complaint and asked me to raise a new complaint. 

As XXXX from Rocket Mortgage said during the loan estimate process, the XXXX dollars will be used to cover my loan origination fees, which was not levied during the loan procedure. Why customer need to pay if XXXX has not communicated to other loan office XXXX? 

Q1. Please explain why the XXXX dollars listed under adjustment and credits in the loan estimate document were not applied at closing. If customer notify you for missing credits to you, why are you not reimbursing? 

I simply want an answer to the above question, and I'm also submitting a complaint under the Texas Deceptive Trade Practices Act which need minimum 60 days. I have loan estimates from more than four lenders, but no one has shown me adjustments or credits, which is violation of deceptive trade practice. I have already provided all those details in XXXX. Also, I have raised complaint with Attorney general of Texas as well. 

If you don't want to reimburse me that amount, please let me know reason for the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: CITIBANK, N.A.
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: Problem with personal statement of dispute

Complaint:
In XXXX 2020, Macy XXXXs reported a late payment for a store credit card. I requested that the late payment be removed from my credit report as the account has been paid in full, and is currently in XXXX relief status, during which time late payments should not be reported. However, the late payment is still showing on my credit report. I would like to request that this be removed.

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 2022-07-06
Company: WELLS FARGO & COMPANY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Bank Name XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX Account number : XXXX Routing Number : XXXX XXXX XXXX : XXXX Bank Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Receiver Address : XXXX XXXX XXXX XXXX XXXX Tx, XXXX First money transfer on XX/XX/2022 Bank name : Wells Fargo Bank Address : XXXX XXXX  XXXX XXXX, XXXX, NC XXXX Name : XXXX XXXX Account Number : XXXX Routing Number : XXXX ReceiverAddress : XXXXXXXX XXXX XXXXXXXX XXXX XXXX NC XXXX XXXX XXXX : XXXX Second money transfer on XX/XX/20XXXX 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 2022-07-06
Company: JPMORGAN CHASE & CO.
State: DE
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:
On XX/XX/2022, I contacted multiple banks trying to acquire a business loan, all had advised me that due to my business being so new ( opened on XX/XX/2022 ), they couldn't help me. This is how I got to Chase, called asking the same question I had asked 7 other banks, looking to take a loan out under my business name, new business, I have excellent credit and good personal income but trying to establish my business. XXXX XXXX XXXX XXXX ext # XXXX from Chase advised me that this isn't an issue with Chase, a business does not need to have history, they are one of the few lenders that would lend, I provided him all the information he requested. Today, XX/XX/2022, when I called to get a status on my application, I was advised the application was denied due to " Length on time on business '' & " Value of business Collateral '', to which I responded to XXXX how are those reason to deny my application when I advised you this is a brand new entity, I am trying to get a loan in order to obtain collateral and my main question prior to doing an application was do you lend to companies that are just starting. I advised XXXX I want to dispute the credit inquiry, I feel like I was misled into applying for the loan, when the reason for the denial clearly states Chase is looking for businesses to be in business for a longer period. XXXX advised me to contact the credit reporting agencies, he was unable to provide me information on how I could dispute the information via Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
On XX/XX/2021 I issued a check from my investment company XXXX XXXX in the amount of {$4700.00} to be made payable to XXXX XXXX XXXX XXXX XXXX. This check was made payable to pay off my auto loan In full. The money was successfully deducted from my investment account. On XX/XX/2021 the check was returned unpaid from XXXX XXXX. The money was never returned back to my XXXX XXXX investment account. XXXX XXXX stated when I asked them what happened to my money upon review, we verified that youve attempted to deposit the check multiple times. The check was endorsed twice and the first one was successfully deposited by Bank of America on XXXX while the second endorsement was returned by XXXX XXXX finance. I retrieved a copy of the sequence from XXXX and the money was successfully deposited into a bank account through Bank of America on XX/XX/2021. I have the sequence number the bank account number but when I called Bank of America they would not disclose any information to me as to where my money went. I have been in contact with XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX but nobody will trace what happened to my money. I have lost {$4700.00} and can not receive any assistance from anybody.

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 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes from my report. The negative items which I have been disputing still appear on my credit report. This is clearly a violation to the Federal Law. Per FCRA section 605b, Credit Reporting Agencies are required to remove/block any accounts listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXX XXXX XXXX XXXX : {$0.00}

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 2017-08-21
Company: PDQ Services, 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: Old information reappears or never goes away

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX, XXXX, XXXX, XXXX  Re : Acct # Fraudulent Accounts reinserted without notifying me To Whom It May Concern : On XX/XX/XXXX I disputed an account reported by XXXX XXXX, XXXX XXXX XXXX, PDQ, XXXX XXXX XXXX in the file you maintain under my Social Security number. I was informed on XX/XX/XXXX that the item was deleted from my credit report. Now I have discovered recently that the item has been reinserted on my credit report. XXXX XXXX  posted several bogus account on my report to try and get some compensation thinking that I was ignorant enough to fall for it. This is by far disrespectful and misuse of my credit report, several laws we 're broken according to FCRA. I am consider filing charges along with filing a civil law suit at the court house in my county upon the response I receive in 5 days or less. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney General 's Office, and the BBB. Please govern yourself accordingly. XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau

Company response to consumer: Closed with explanation