BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-02
Company: PNC Bank N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/XXXX I pulled my XXXX and found that an account was opened at PNC Bank with my SSN on XX/XX/XXXX. I immediately reached out to PNC and advised as to what had occurred and they completed a XXXX XXXX report and would have the report sent to the fraud team to have the account immediately shut down. When I called back to obtain status I was told it was all set. I proceeded to ask questions to determine how this could happen and to find out additional information for the police report i.e where was the account opened, was it done online, at a branch what type of information was used to open the account they immediately advised I was not allowed to receive this information. HELLO, it's my SSN and YOU opened the account with fraudulent documentation. I immediately reached out to XXXX to determine if an inquiry was made and nothing. I also asked if i would get anything from them advising that the account had been closed and a full fraud investigation was conducted and i was met with an immediate no. The only thing that was done was a XXXX inquiry with XXXX. Which also played a part in allowing this to happen as they should have had a security alert on file since XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: CAINE & WEINER COMPANY, INC.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This has happened more than once, and I have a documented voice mail from XXXX at Caine and Weiner where they threatened my credit report unless I pay them today. This sounds like a predatory  practice from a debt collector that I think should be stopped. XXXX XXXX XXXX : You 've got a new voicemail from ( XXXX ) XXXX. Transcript : XXXX this is XXXX. I 'm calling with Canaan whiner this is in regards to the outstanding balance for XXXX reference number XXXX. unfortunately it has now been 2 months in collections at this point. It will be affecting your credit rating unless we could get payment today. Please call me at XXXX XXXX XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Genisis Credit management company contacted me roughly seven months ago, claiming I owe a debt of XXXX to my former residence at XXXX XXXX. I have since then requested that they sent documentation by email validating this claim. They still have yet produced any form of proof. I have let them know that I am willing to uphold any financial obligations I have attained, However I know that I have already paid in full all rent/utilities/damages, before my move-out date. XX/XX/2021. I have on multiple occasions been spoken too with disrespect by one debt collector in particular by the name of XXXX. The most recent conversation went the worst, he essentially told me to pay them the money so I could get them out of my hair. ( XXXX ) He has also laughed at me several times when I state that I was paid up upon move-out. The company does not call me wanting resolution. I am the consumer requesting documentation so that we can resolve the matter and get it removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: EQUIFAX, INC.
State: FL
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 submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. XXXX XXXX - XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$1700.00}, XXXX XXXX XXXXXXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$25.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX Balance : - ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX  XXXX XXXX, NV XXXX XXXX, IL XX/XX/XXXX ; XXXX/XXXX  XX/XX/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 2018-10-08
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Called XXXX to remove Fraud accounts. Was given a extreme hard time over the phone. XXXX  has been informed since XX/XX/2015 with a police report and FTC Affidavit of the identity theft. They promised to lock my report since then to prevent any more Fraudulent accounts. 

Now I have more fraudulent accounts, names, and address on my report! I called them to get this removed just like I did with XXXX. I was told this would take 30 days! this is absurd! I have given all the apocopate documents showing the theft of my identity in detail. 

Reference # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-03
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have been double charged for the last 3 months plus by XXXX. I called them, emailed, etc and the false charges arent stopped and I havent been reimbursed. So I called Huntington bank to hold charges and investigate XXXX charges. The telephone clerk said they couldnt do that. I asked why I wasnt given any reason. I then asked for a policy letter and the person on Huntington call line identified herself as XXXX send, no. Secondly, I asked for company employee number she hung up. In short Huntington wouldnt put a hold on false charges and still hasnt correct false overcharges, complete account audit or tell me where nearly {$900.00} of overcharges came from or accounted for. XXXX likewise havent reimbursed me for false charges this clearly is account hacking on both accounts and they both are covering up companies insecurity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In Accordance with the Fair Credit Reporting Act XXXX DPT ED/XXXX Account # XXXX, DPT ED/XXXX Account # XXXX, DPT EDXXXX Account # XXXX, DPT ED/XXXX Account # XXXX DPT EDXXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
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: Reporting company used your report improperly

Complaint:
In Accordance with the Fair Credit Reporting Act XXXX DPT EDXXXX Account # XXXX, DPT EDXXXX Account # XXXX, DPT EDXXXX Account # XXXX, DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax is a XXXX company that allowed nearly half the countries information to be hacked so they could pay themselves more. XXXX those XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Since you are still reporting this account on my credit report, you are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect from you by filing a claim in small claims court. I intend to follow through with the suit if I do not hear back from you within 15 days. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 

XXXX Is violating my rights I submitted a dispute XX/XX/2021 the return receipt states they received it on XX/XX/2021, today XX/XX/2021 they still have not started the dispute which is a violation of the FCRA & FDCPA Then on XX/XX/2021 XXXX sent a letter with a form requesting me to do their investigation for them which is not my job in which is not required by the law.

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 2017-05-30
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On Tuesday  XXXX   XXXX ,  2017 , I phone  d Nelnet, my federal student loan provider, to get information regarding a loan forgiveness program. I expected to speak to any number of their loan counselors after providing my birthdate and last 4 digits of my SS # as I have done countless times before. Not this time. The first question was " are you interested in a loan forgiveness program? '' That struck me as strange but I pressed 1 anyway. I was asked a few simple questions. What was the total of my debt. Am I current or in default with payments. I was then transferred to someone else who could verify if I qualified for the forgiveness program. Of course I qualified with a three month application fee of over {$190.00} over a course of three months.
The issue I have with this is that I called a federal loan provider, Nelnet   by the number they have listed on their billing sheet  XXXX . Unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im disputing that Equifax hasnt responded back within their 30 day window. I mailed my certified letter off on XX/XX/XXXX. By law their obligated to respond within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: JPMORGAN CHASE & CO.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
My debt was deducted by as previously scheduled from my bank account.

However Chase sent me black mail letter citing I am not paying. The letter was initiated on same date as monthly scheduled deduction.

This is unlawful banking practice just like Chase is acting like XXXX.

I want to stop Chase 's XXXX  activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03
Company: The CMI Group, Inc.
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Credit management, Added a debt t my credit file, but I have not received any correspondence for me to verify and establish his debt as a verifiable debt. They added to report when they new i never new about a debt that I have previously paid and closed out with XXXX. Per, Fair credit reporting I have this right, and to add to my credit report like i don't want to care of a deb shows tactics that are not in fair crediting reporting act,

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX Adjusters agreed if debt was PAID in full. The trade line would be removed/deleted off my XXXX, XXXX and XXXX  reports. Company refused to acknowledge this information. The debt was initially open online. Company has not provided proof of when, where & how this loan was obtained in the first place. However, I still PAID IN FULL with the exception of deletion. 

Company is unprofessional, misleading and improperly handling the validity of such debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: Advanced Resolution Services Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Beginning XX/XX/2018 I begin my dispute process with XXXX, XXXX, XXXX and ARS concerning inaccurate and unverified bankruptcy reporting on my credit report maintained under my social security number. FCRA Section 611 ( a ) ( 2 ) requires the Credit Bureaus to contact the original furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this alleged and dismissed bankruptcy.

Therefore I have filed my FTC Identity Theft Report, and 605 B statement ( attached ) and mailed certified affidavits as notice of the guidelines of the Fair Credit Reporting Act has been violated as it relates to my credit file, according to the 15 U.S.C. 1681 2 ( b ) obligations to investigate.

I requested validation of all data for this Bankruptcy reporting account, every notation, dates and balances, whether reported or not and errors pertaining to the following Personal Information. Per FCRA 611 ( 15 U.S.C. 1681I ) is required to provide me with a description of the procedure used to determine the accuracy and completeness of this disputed information. After my disputes were received by XXXX, XXXX, XXXX, ARS, and XXXX XXXX, they are required under 1681i of the FCRA to forward me a dispute verification form to the original furnisher, requiring them to verify the credit information accuracy reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Experian Information Solutions Inc.
State: FL
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:
After XXXX XXXX XXXX XXXX reported a false debt that didn't belongs to me, I file dispute many times with Experian and they kept saying that the collectors said that it was mine, then I came on here XXXX and file a complaint against the collector, the complaint number was XXXX, after I get things resolved with the collector, they ask Experian to remove it off my credit. My problem is that before the debt was place on my account, my credit score was XXXX, after disputing it and the collector let them know to remove it cause I dispute it and it's not mine, Experian were suppose to put my score back to XXXX, I worked hard over the years getting credit card, loans, to get to XXXX but Experian only give me XXXX points putting my credit to XXXX after removing the debt. I feel like I'm being punished by Experian for a debt that was not mine, which I dispute many time with them. I called them, and the agent I spoke to said she can't help and give me FICO phone number XXXX, I called FICO they told me that Experian supposed to take care of that. I log in into my account and contact Experian to let them know that I need my credit back to XXXX because it wasn't my fault that my credit goes down. An agent reply by email and I didn't understand what she was saying because it wasn't about my subject, I understand creditors send them updates but creditors doesn't put points. I need this fix please, I can not spend another 2 to 3 years to get to XXXX again. I have children that I need to buy house for, and get scholarship fo. themr. I need this fix please. I need my credit back to XXXX please.

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 2018-11-02
Company: Experian Information Solutions Inc.
State: TX
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:
inaccurate information, no knowledge of accounts, FTC violations

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: Mr. Cooper Group 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: Investigation took more than 30 days

Complaint:
I called the 3 Credit Bureaus after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was an Incorrect Account which is : NATIONSTAR XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$37000.00} on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT XXXX and hoping that this NATIONSTAR Late payment XX/XX/XXXX 30 days late will be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
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:
This has been my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Pursuant to my debt validation request, on XXXX XXXX, XXXX, Rash-Curtis & Associates, a collection agency, provided me with debt validation support documentation. On XXXX XXXX, XXXX, I wrote a response to the collection agency indicating that the statement from their client, XXXX XXXX XXXX dated XXXX XXXX, XXXX for XXXX XXXX Co-pay for XXXX in the amount of {$140.00} was inappropriately billed to me. In my letter, I mentioned that the aforementioned charge is a XXXX XXXX XXXX XXXX XXXX XXXX, which should be billed to XXXX. XXXX XXXX/XXXX/XXXX statement, copy attached, clearly reflects that the XXXX XXXX is XXXX XXXX ( Upper right side ). As a note, I am a XXXXyear-old individual entitled to XXXX benefits. XXXX is XXXX provider that handles Part D benefits. Finally, in my letter I also mentioned that I was not willing to pay for inappropriate billings. Rash-Curtis has not responded to my XXXX/XXXX/XXXX letter. 

Although I properly notified the collection agency that I disputed the debt, on XXXX XXXX, XXXX, I received a notification from XXXX informing that the XXXX XXXX XXXX invoice for {$140.00} had been reported as a collection debt. Because Rash-Curtis actions are clearly not in compliance with the Fair Collection Practices Act, I hereby request that this collection item be immediately removed from XXXX records as well as the files from other credit reporting companies.

Company response to consumer: Closed with explanation