BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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  XXXX  inquires from   XXXX   XXXX   that were not authorized. I have asked for them to be removed with no luck.     The  XXXX  dates are as follows   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX       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 explanation
Consumer complaint received 2017-08-24
Company: Commonwealth Financial Systems, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Commonwealth Financial systems called from XXXX XXXX XXXX XXXX on XX/XX/XXXX at XXXX I spoke to the representative who stated that they had a personal business matter. He asked for my address as they did n't have my SSN or birthday. I told the representative that I was not providing my address or agreeing to anything without more information as to the matter at which they were calling. The representative stated that they will mail a letter and that I was to contact them when I received the letter. I agreed to contact them once the letter was received.
OnXX/XX/XXXXat XXXX, I received a phone call from Commonwealth again. I told them I spoke to them less than 24 hours ago and was told that I was to contact them once a letter was received. I stated that this wass harrassment as we had agreed on how to proceed based on the amount of information they were willing to provide. I, then spoke to a manager that confirmed that I did speak to the representative yesterday and that a letter was supposed to be mailed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately : XXXX-Date of inquiry XXXX XXXX XXXX of inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: Experian Information Solutions Inc.
State: AL
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:
XXXX XXXX Account : XXXX XXXX XXXX ) Account : XXXX ( Credit Agencies ) Reason for dispute : First, the name is incorrect which is an error, that alone is a reason for deletion according to FCRA Laws. 
This is my XXXX notice to you and you continue to ignore the violations you are committing. I've also sent a letter out previously and you chose to ignore it and say this was coming from a credit repair organization, to stall I guess. 

Furnishing this information to credit agencies without my consent infringes on my privacy, degrades my credit worthiness, credit standing, and character. Regardless if you think its valid and accurate according to the CFPB and FCRA you are still committing FRAUD by using my personal information and sharing it with third parties ( XXXX, XXXX, Experian, and XXXX ) without my PERMISSION OR CONSENT which is a violation. 

Pursuant to 15 USC 1681a you are to respect my privacy as a consumer and you have not done that by sharing my personal information with a third-party credit agency. This violation is diminishing my creditworthiness, and demeaning my character. Pursuant to 15 USC 1681a, any information solely as to transactions or experiences is to be EXCLUDED from reports. So this is another violation showing you were not supposed to give my personal information out. 

This is also an adverse action to me as a consumer and needs to be remedied immediately. By you sharing my personal information without my consent you are infringing on my privacy which is placing me in a bad credit standing. 

I asked that you remove all student loans accounts from all third-party credit reporting agencies immediately. I will also be sending a letter to the FTC for such violations. This is my last notice and I will seek damages if this doesnt get remedied. This is adverse and is damaging my creditworthiness. 

Account disputed : XXXX, remove from credit agencies. 
Account : XXXX ( Credit Agencies )

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 2021-11-20
Company: PNC Bank N.A.
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: Investigation took more than 30 days

Complaint:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: AMERICAN EXPRESS COMPANY
State: MI
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:
In XXXX, XXXX I purchased with very specific details in writing a custom Chair from XXXX XXXX of XXXX, XXXX and charged it to my American Express credit card. It was delivered to my home on XX/XX/XXXX. I immediately called and texted the Sales Representative, XXXX XXXX and told her the merchandise XXXX was not what I ordered or expected and to make arrangements to pick up the chair and process a return. The store.representative XXXX XXXX provided ill advice and the store never made immediate arrangements to pick up the chair. After waiting on the Merchant to take corrective action. I opened a dispute with American Express XX/XX/XXXX and asked for a charge back and returned the defective merchandise to XXXX. As of XX/XX/XXXX this matter remains an issue that I am left to deal with on my own. the merchant has refused to issue a refund using the excuse, American Express failed to inform them the dispute is closed. American Express did not do their due diligence and investigate this matter properly and provide protection based on the CFPB guidelines. American Express and their Agents misrepresented their intentions to provide relief to me and handle my dispute responsibly and due to American Express abject failure I am now at the mercy of an unscrupulous merchant ( XXXX XXXX of XXXX, XXXX ). As of XX/XX/XXXX American Express has not reversed the charges, after I have submitted testimony, evidence and made numerous calls that the charges should be reversed. The charges continue to incur interest and reporting as a legitimate balance on my account. I have suffered undue financial harm and stress based on American Express inaction and biased treatment and compel the CFPB to act on my behalf.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-20
Company: Kriya Capital, LLC
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: Investigation took more than 30 days

Complaint:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-20
Company: PNC Bank N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I contacted XXXX now PNC to let them know my personal checking accounts were compromised by one of their employees at the XXXX Ca branch. The employee 's name is XXXX XXXX. I had XXXX business account and XXXX personal accounts. Only one of my business account I had a cosigner, XXXX XXXX XXXX. I had to travel to XXXX due to personal matters ; therefore, I was not in the United States. On XX/XX/XXXX XXXX XXXX gave full access to all of my checkings account including the one he was not a cosigner. She also gave him full access to my online banking giving him my ID and password. With this, XXXX tried to take out money from my personal account. When I noticed all of this, I contacted the bank on XX/XX/XXXX and told them all the situation. On XX/XX/XXXX the bank contacted me and gave me a case ID : XXXX. 
The bank opened an investigation regarding this matter but they did not do anything. The only thing they did was close my accounts and open new ones. The employee, XXXX XXXX, is still working there and I have the same risk that my account gets compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Experian Information Solutions Inc.
State: MI
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:
In accordance with the fair credit Reporting act XXXX 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.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.

2866

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a credit card with  Bank of America. TH ey have not cleared my balan ce to 0 y et. I filed fraud for multiple charges last couple months and there is still a balance of  XXXX  dollars plus that is standing on my account and needs to be removed. I already called BOA fraud team and they do n't pick up. I also started the fraud claims investigation process by calling BOA and they said they will remove the remaining charges as they did n't the first time because they thought I did n't lose my card and many charges were chip transactions. However, I did lose my card, hence all those chip transactions also need to be credited back to my account. I was told but BOA they would be about a month ago but still I see nothing.     My card number :  XXXX   Sincerely,   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 explanation
Consumer complaint received 2017-04-24
Company: Experian Information Solutions Inc.
State: RI
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:
The following inquiries on my report were not authorized by me.        XXXX  on   XXXX   XXXX   XXXX     XXXX   on   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   on   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 explanation
Consumer complaint received 2021-11-20
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXXXXXX bank was the original debtor owed. XXXX bought this account and tried to collect a debt, Well I didnt sign any contract with LVNV so this debt should be void. This has been going on since 2016 and it shouldnt be on my reports in the first place. If no contract or verbal authorization from myself was approved then legally they can not collect and should be taken off my credit report ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: ALLY FINANCIAL 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: Investigation took more than 30 days

Complaint:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I requested fro m Wells Fargo to obt ain the necessary documentation to be able to obtain a home valuation in order to terminate the need for private mortgage insurance. I received the documentation and provided the necessary information inclusive of the {$200.00} for a brokers price opinion. The initial professional assigned to perform the BPO was unresponsive to phone messages I left him. I subsequently received a call from a gentlemen who advised that he was subcontracted by the original professional to complete the home inspection for the BPO. He explained that his work-product would be submitted to the Bank by close of business that same  day. (   XXXX   XXXX ,   XXXX   )  On  Friday,  XXXX   XXXX ,   XXXX  , I called the Bank to follow up on the valuation results. They advised that the documents were still being uploaded and they should have a decision in a couple of days. On Saturday,  XXXX   XXXX ,   XXXX  , I once again I followed up with a call and I was told by the representative and her supervisor that there was no documentation on file supporting that a BPO had been performed.   The {$200.00} check submitted was negotiated, an inspection was performed, but at this time there is no evidence of an evaluation. I would like your assistance with this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-24
Company: Ditech Financial LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter indicating that my adjustable rate mortgage will be going up. This is appropriate. However I did a little research and found that they calculated the new loan rate incorrectly. The rate should be based on 1 yea r   XXXX   XXXX   of fered rate plus a margin of 2.25 % . ( Rounding up to the next 1/8 % ).  The 1 year   XXXX   XXXX    offered rate on the date of the letter was  XXXX  plus 2.25 % would bring the rate to 4.0 % after rounding it up. The letter indicated that the new rate is 4.125 %.      Ditech used  the incorrect rate on the calculation and I suspect that since they have purchased this loan that it is standard for them to edge the rates up on all of it 's customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: EdFinancial Services
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: Their investigation did not fix an error on your report

Complaint:
Recently disputes these accounts. The information displayed is inaccurate. I may be a victim o Of identity theft so I have attached one. This information has to be BLOCKED. Please DELETE these account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I currently reside in XXXX and my vehicle is registered in XXXX. I paid my loan off in XXXX. Wells Fargo Dealer Services told me they released the title on XX/XX/XXXX to the XXXX XXXX XXXX and the only way I can get the title is if I fly to XXXX XXXX and go to the XXXX. I asked if they could request a copy and just send to me and he ( XXXX from Wells Fargo Dealer Services ) told me he could not. I was not able to speak with a XXXX I had to leave a message and get a call back in XXXX. XXXX also said he can send me a XXXX release letter but he knows XXXX XXXX wont accept that ; which why offer if you know that is not going to help. All I need is my car title that I paid off.

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 2021-12-09
Company: EQUIFAX, INC.
State: LA
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 recognized some fraudulent inquires that's being reported by Equifax that I tried to but Equifax told me that they couldn't not remove these unauthorized inquires because I didn't file a report through the CFPB. 

I'm filing a complaint now and these are the fraudgelant Hard inquires that are not mines and I did not give these companies permission to pull my credit. 

1. XXXX XXXX XXXX/XXXXXXXX 2XXXX XXXX/XXXXXXXX 3. XXXX XXXX XXXX/XXXXXXXX 4. XXXX XXXX/XXXX/XXXX 5. XXXX XXXX/XXXX/XXXX 6. XXXX XXXX XXXX XXXX/XXXX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXXXXXX 11. XXXX XXXX XXXX XX/XX/XXXX/XXXX 12.XXXX XXXX XX/XX/XXXXXXXX 13. XXXX XX/XX/XXXXXXXX 14. XXXX XXXX XX/XX/XXXX/XXXX 15. XXXX XXXX XX/XX/XXXX/XXXX 16. XXXX XXXX XX/XX/XXXXXXXX 17. XXXX XX/XX/XXXXXXXX 18. XXXX XX/XX/XXXXXXXX 19. XXXX XXXX XX/XX/XXXXXXXX 20. XXXX XXXX XX/XX/XXXXXXXX 21. XXXX XXXX XX/XX/XXXX/XXXX 22. XXXX XX/XX/XXXXXXXX 23. XXXX XX/XX/XXXXXXXX 24. XXXX XXXX XXXX XX/XX/XXXXXXXX 25. XXXX XXXX XXXX/XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: EQUIFAX, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I came to XXXX on XXXX XX/XX/2022 for the first time. When i applied for credit card my bank told me that i already have a poor credit history in XXXX. 
Someone's file is mixed with my credit file. 

I have tried complaining multiple times and the issue is still existing. 

Equifax is not giving proper solution to it and because of that i can not build my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: CITIBANK, N.A.
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: Old information reappears or never goes away

Complaint:
I have 30 days late payment on XX/XX/2019 from Macy 's star rewards store card. 
I ask for them to delete this late payment do to covid 19 as reason. I did receive answer from them showing that it was denied. I did try one more time this year and call them to delete this late payment and they told me i tried last year to delete this late payment and they can not help on this.

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 2021-12-09
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My loan with Amerihome Mortgage came off forbearance in XX/XX/XXXX. An escrow anaylysis was done in XX/XX/XXXX that will increase my payments by {$220.00} starting in XX/XX/XXXX. I have contacted this servicer numerous times by phone call and email correspondence to spread the outstanding escrow shortage by 60 months as provided in the XXXX XXXX for XXXX XXXX loans. 

I have been unable to get this process done because the lender keeps moving the goal post. At tfirst the XXXX i spoke with said i could just request this over the phone, which i did. but that wasn't enough. Then i got an email that said i needed to send in a " wet signature '' request, which i did. But then again, that wasn't enough because they claim they couldn't open the document i sent it in. I'm not sure what else to do at this time. It seems like this servicer is making XXXX  excuses and running circles around me to get me frustrated and give-in.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: DISCOVER BANK
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: Information belongs to someone else

Complaint:
The account was opened without my consent. I want it removed immediately form my credit report. They are showing XXXX different reports to the credit bureaus. DISCOVER FIN SVCS XXXX Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XX/XX/XXXX Account Status Open Payment Status Paid Payment Status Details Current, was past due 30 days XXXX times Status Updated XX/XX/XXXX Balance {$430.00} Balance Updated - Credit Limit {$200.00} Past Due Amount - High Balance {$430.00} Monthly Payment {$20.00} Balloon Payment - Contact Phone BYMAILONLY Contact Address XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX XXXX - Company Sold-to - Original Amount - Comments -

Company response to consumer: Closed with non-monetary relief