BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-06
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: Information belongs to someone else

Complaint:
Around 2001 I assisted to XXXX XXXX XXXX in XXXX XXXX. I paid a portion of my education monthly. However when I log in with my social security number to my federal account someone elses name appears on my account. I asked on many occasions for this to be investigated without results. Apparently someone else used my social security number to pay for their education. I have contacted all credit bureaus with pertinent proof and nothing has been investigated. This is affecting me in all ways posible on my personal life. The school I attended closed permanently and I have not received any help from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
PNC bank after acquiring BBVA has been inefficient and late in their proceses. After a long process for processing an incoming wire transfer during XXXX, they caused more than XXXX usd in NSF fees from Other banks. I wrote letter complaining and took out all the funds from the account. Now they want to charge XXXX and are not allowing to close the account, and keeping the bad service shown.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-05
Company: EQUIFAX, INC.
State: FL
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:
these are the inquiries i didnt authorize and are fraudulent on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: DC
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
My debit card was lost and somehow someone was able to get my PIN and use the card to make bogus deposits and then shortly after withdraw the funds. I told the bank when I logged in to see my balance and saw this huge overdraft of over {$6000.00}. I explained that I did n't know the card was gone and that I had nothing to do with what happened. All of the withdrawals took place in Pennsylvania and I live in Virginia and work in XXXX. The bank claimed they did an investigation which I doubt and they expect me to pay back something I never got. I filed a police report with XXXX County 's financial crimes department but because the actual crime took place in Pennsylvania, they could n't do anything. I looked up the police department associated with the area the bank was in where all of this transpired and they claimed that the State police had jurisdiction. I called the State police and they claimed they did not. I got nowhere over the phone with that and because I was working could not get up there to file a police report. 
The bank in question is Santander Bank. I opened the account online. I filed the waiver they claimed I needed to and they still claim that because I could n't account for when or how my card and PIN were compromised, I was responsible. I do n't have that kind of money. What can I do? They call over and over. They leave messages at my work and that incident happened a little under a year ago. This bank is horrible. Why would any bank with no history of such deposits and withdrawals allow such to happen?

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
Consumer complaint received 2021-07-06
Company: CBC Companies, Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I wanted to know if i could purchase a home. I went and had my credit pulled once in XXXX and i authorized that. Then they used a company called Factual Data to pull my report again one time a month for the next 4 months and in some cases twice a month without my permission. Now my scores and reports are hurting because of these unauthorized inquiries and i would just like them removed so my score will be what it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
credit discrimination i recently disputed XXXX debts that should have been taken off of my account, they credit bureau ( trans union ) is failing to remove the bad debts. There was XXXX creditor removed but I only received XXXX points added to an already XXXX. My credit score should not be this low because all of my debts have fallen off or have been removed. transunion is discriminating against those who either complain about their credit reports or XXXX. My credit score with equifax went up XXXX points with XXXX debtor removed. 
not sure if transunion knows the XXXX background of those they follow but this should be looked into.

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 2021-07-07
Company: WAKEFIELD & ASSOCIATES, INC.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX I mailed Wakefield and Associates debt validation letter for a debt that does not belong to me but they continue to report this fraudulent debt to the credit bureau. Wakefield has failed to respond in the 30 day debt validation time frame and there for by law should stop collection and must remove this debt for failure to validate. I have no contract with my signature agreeing to pay this company any amounts of monies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
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:
There are a few accounts on my credit reports that are reporting inaccurate information. There are accounts that I am not familiar with, Creditors that I have never done business with reporting negative accounts on my reports. They are reporting that I had a repossession with XXXX XXXX XXXX and are reporting two collection accounts with XXXX XXXX and XXXX XXXX. I have been disputing these accounts for some time now with the credit bureaus and they have failed to respond to my disputes. I have asked for validation of these accounts. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. I have reached out to these creditors and they have either not responded or have not provided proper valid sufficient documents that prove the account and debt belongs to me. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

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 2022-04-16
Company: Resurgent Capital Services L.P.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  account XXXX # XXXX, XXXX # XXXX, Lvnv funding LLC # XXXX, XXXX XXXXXXXX # XXXX, XXXX  # XXXX # XXXX, Lvnv funding LLC # XXXX, XXXX XXXX XXXX, XXXX  # XXXX, XXXX, # XXXX, XXXX XXXX XXXXXXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX # XXXX, XXXX XXXXXXXX / XXXX XXXX XXXX # XXXX # XXXX, Lvnv funding XXXXXXXX XXXX # XXXX, XXXX XXXXXXXX bank # XXXX, XXXX XXXXXXXX XXXX # XXXX, XXXX in company # XXXX XXXX # XXXX, XXXX # XXXXHas violated my rights.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 ; also states a consumer reporting agency can not furnish a account Without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have been trying to obtain a copy of my credit report from TransUnion since XXXX of this year and I have yet to receive it. I have requested my report in writing 7 times and called them at least 2 times by phone to try to get them to update my information and send me a copy of the report. I have been unsuccessful in obtaining a disclosure of my credit information from TransUnion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Information such as 4 collections and 9 inquiries were deleted from my transunion credit profile on XXXX and were readded on XXXX. I tried disputing the incorrect info and transunion did not comply to any of my concerns on 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 2022-05-05
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXX account XXXX is a fraudulent account on my credit fe that has been disputed and added to my identity theft report. Please remove.

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 2018-03-17
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
The purpose of this letter to lodge a complaint against Citibank. The end of XX/XX/XXXX, I called the credit card company to verify if I was eligible for a credit card promotion. You receive XXXX XXXX air miles points if you spend {$3000.00} dollars within the first 3 months of opening a new card. You are not eligible if you open or close a card within the last 24 months, hence the reason I called customer service to verify if I was eligible. I had made this mistake 2 years prior, when they changed the policy from an 18 month to a 24 month waiting period to qualify without my knowledge. I didn't receive the XXXX bonus miles, although I spent the required XXXX dollars. I try to learn from my mistakes so I wanted to make sure I qualified this time and that I indeed had gone past the two year waiting period. The woman at Citibank 's customer service office confirmed that I had, so I applied for a new card which I received in the beginning of XXXX. 
By the end of XX/XX/XXXX, I had spent the required XXXX XXXX dollars. I checked my account and noticed the XXXX points had not been posted to my airline miles account with XXXX XXXX. I called to find out why and was told I wasn't getting XXXX points because the customer service person I spoke to in XXXX had apparently made a mistake. I was shocked. I feel like I have been duped into spending a lot of money for nothing. I asked to speak to a supervisor and then a manager both times told it's unfortunate but they can't do anything to rectify the situation. I demanded to speak to someone else and they said they would have another higher up manager call me from the review department. That was supposed to be within 24-48 hours. They never called. 
I do not feel I should be paying for their mistake, especially when I made sure this time I was doing everything correctly and was told I qualified. If I had been told the correct information I simply would have waited until I was qualified to open a new card. I was denied that option with the wrong information. Now I have to wait another 2 years ( a total of 4 ) to qualify for a new bonus program. We are talking about points not currency. In lieu of good customer service, they should own up to their mistake and award me with the XXXX points I deserve.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: Cornerstone Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have tried to communicate with both the debt collection agency and the medical group about my dispute regarding there inability to provide adequate notice of this debt. 

I am well aware of local and state consumer protection statutes and am asking the CFPB for assistance regarding the credit reporting of the above referenced account. Specifically, I have sought advise as to recently discovered adverse credit remarks on my credit report. I was informed that both the Fair Debt Collection Practices act and the Alaska Unfair Trade Practices Act protect consumers against unfair collection practices and malicious persecution. 

I would like to point out that creditors or collection agencies are prohibited from submitting information relating to the consumer to any consumer reporting agency if they have been notified by the consumer that the information is inaccurate pursuant to 15 U.S.C 1681 ( S-2 ). I hereby remain adamant that should I have been given the opportunity to dispute or pay, I would have exercised my rights as prescribed by law. 

For the record : I was NEVER in receipt of your original dunning notice allowing me 30 days to dispute this debt, or satisfy this debt and avoid any negative marks on my credit record. Therefore, the information that was submitted is inaccurate and must be removed. 

In my communication from XX/XX/XXXX with this debt collection agency, they claimed that they spoke to me in XX/XX/XXXX and that I hung up on them. This is completely false. I have never spoke to this debt collection agency. 

Unless you have compelling evidence to prove otherwise, I demand that you immediately withdraw all negative credit reporting and delete this from my credit reports. Please be informed that I am a travel nurse and thus by the nature of my profession move every 3-6 months as a new assignment is made. I can virtually guarantee I can prove I was not residing at the address you claim to have mailed the initial dunning notice to. You are violating the law and I am documenting it. 

Should this item remain on my credit report and you refuse to remove it, I will have no choice but to file formal complaints with the Consumer Financial Protection Bureau and the California Department of Justice. I hope you cooperate with my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Company: RoundPoint Mortgage Servicing LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The outstanding balance on my mortgage has been below 78 % since XX/XX/2021. My mortgage service company in a previous phone call indicated that this would happen automatically. Now after not doing this, they are saying I have to fill out a form. My understanding is that they are obligated to remove PMI when my balance is below 78 % of the original purchase price of the home. 

My mortgage servicing company is RoundPoint Mortgage Servicing

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 2023-01-04
Company: EQUIFAX, INC.
State: FL
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:
Drive time/XXXX  credit XXXX  XXXX Together credit XXXX XXXX XXXX In accordance with the fair credit reporting act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681 15 usc 1681 section 602a right to privacy 15usc 1681 section 604a Without written instructions they can't furnish a credit report 15 usc 1681 c. ( A ) ( 5 ) reporting info without knowledge of errors Go to cfpb submit complaint Improper use of credit report No consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes Which antedates The report by more than XXXX years. 

15 usc 1681 s-2 ( A ) ( 1 ) a person shall not furnish any relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: Hiday & Ricke, P.A.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
THE COMPANY HIDAY & RICKE P.A. LOCATED IN XXXX FL. WITH A XXXX - FALSELY CLAIM TO BE ATTORNEYS OF THE LAW - WHEN THEY ARE JUST A THIRD PARTY DEBT COLLECTION GROUP ... .THEY ALSO USE THE XXXX XXXX COURTS FORMAL ADDRESS AS THEIR LETTER HEADING WITH THEIR CORRESPONDENCE TO ME - THAT STATES - IN THE XXXX COURT, XXXX, IN AND FOR XXXX XXXX XXXX FLORIDA XXXX .I HAVE BEEN SENT NUMEROUS LETTERS FROM THIS DEBT COLLECTOR STATING THE DEBT THEY SAY I OWE ... THIS HAS BEEN ON GOING FOR SEVERAL YEARS ... THEY HAVE SENT PROCESS SERVERS TO MY HOME - AND MOST RECENT IN XXXX 2014 - THEY SENT A XXXX MAN TO USE SCARE TACTICS AT MY HOME - BY POUNDING ON THE DOOR AND YELLING OUT I WAS BEING SERVED PAPERS FOR THE DEBT I OWE ... .I HAVE RECENTLY SENT THEM LETTERS TO CEASE AND DESIST ALL CONTACT WITH ME AND MY HOME - FOR THEY ARE ONLY A THIRD PARTY DEBT COLLECTOR ACTING LIKE ATTORNEYS ... .AGAIN RECENTLY I RECEIVED A LETTER FROM THEM STATING I DID NOT SHOW FOR A DISPOSITION AT THE COURTS ... .IN CONCLUSION, WHAT EVER PAST DEBT I HAVE, HAS REACHED A STATUE OF LIMITATIONS ... ..I REFUSE TO DEAL WITH THIRD PARTY PHONEY DEBT COLLECTORS ... ..PLEASE PUT A STOP TO THEM AND THEIR BULLYING SCARETACTICS!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: CURO Intermediate Holdings
State: TX
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:
I have been disputing this account for some time now with AD ASTRA RECOVERY. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account and they have not responded. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
Took out a payday loan from Ace cash a check in XXXX XXXX, TX.paid back, then took out another, could not afford to pay back, tried to set up playment plan, they told me I could no longer pay them, the debt went to some other company, that company has been sending me harassing e-mails, threatening to sue me and garnish my paycheck and jail time, I also get phones calls from this phone number XXXX and now they are calling my job from XXXX and being very rude and threatening. I can set up a payment plan, but I do not trust the people calling as when you call those numbers back nobody ever answers!! Please help to what I need to do

Company response to consumer: Closed with explanation