BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-19
Company: PNC Bank N.A.
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
A reaffirmation agreement was made with PNC Bank in XX/XX/XXXX on my home equity line of credit. The line was closed at that time, but payments have been made faithfully and on time throughout the entire loan. In XX/XX/XXXX, PNC did a system update and forgot to include a bankruptcy disclosure on their statements. Since that time, they refuse to send me a bill or statement. After contacting my attorney and providing PNC with a copy of the reaffirmation agreement, that PNC was not able to find ... my attorney advised that there is no reason PNC can not provide me with billing statements. I have been been faithfully making payments blindly not knowing if they are posting to my account. PNC was also told about an inaccurate report they posted on my credit report in XX/XX/XXXX ... .stating account was included in bankruptcy. Since then, they have changed it to show paid as agreed, then changed once again to show closed as of XX/XX/XXXX. This is not the case, as I am still paying. Or should I not be paying? I would not know as they refuse to issue a statement. I have made at least 4 attempts by phone to them. Also a few attempts by email with a XXXX XXXX phone number XXXX email XXXX. He has not reached out to me since XX/XX/XXXX, when he was to be forwarding to the proper department for resolution. I also asked for many of my phone complaints to be documented and sent to me ... but they have not. 
All I ask is for statements to be provided or the account be absolved, due to their lack of incompetence. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXXXXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-01-12
Company: Experian Information Solutions Inc.
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXXXXXX, 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

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 2022-05-31
Company: EQUIFAX, INC.
State: MD
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 unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
items ; XXXX : DEPTEDXXXX XXXX Balance : {$1500.00} DEPTEDXXXX XXXX Balance : {$1600.00} DEPTEDXXXX XXXXXXXX Balance : {$1700.00} DEPTEDXXXX XXXXXXXX Balance : {$2600.00} DEPTEDXXXX XXXXXXXX Balance : {$2100.00} DEPTEDXXXX XXXXXXXX Balance : {$2100.00} DEPTEDXXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$8700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Bankruptcy XXXX Date Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy XXXX Date Reported : XX/XX/XXXX Equifax : DEPTEDXXXX XXXX Balance : {$1500.00} DEPTEDXXXX XXXX Balance : {$1600.00} DEPTEDXXXX XXXX Balance : {$1700.00} DEPTEDXXXX XXXXXXXX Balance : {$2600.00} DEPTEDXXXX XXXX Balance XXXX XXXX DEPTEDXXXX  XXXX Balance XXXX XXXX DEPTEDXXXX  XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$8700.00XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Bankruptcy XXXX Date Reported XX/XX/XXXX XXXX  XXXX Bankruptcy XXXX Date Reported XX/XX/XXXX XXXX : DEPTEDXXXX XXXXXXXX Balance : {$1500.00} DEPTEDXXXX XXXXXXXX Balance : {$1600.00} DEPTEDXXXX  XXXX Balance : {$1700.00} DEPTEDXXXX XXXX Balance : {$2600.00} DEPTEDXXXX  XXXX Balance : {$2100.00} DEPTEDXXXX XXXXXXXX Balance : {$2100.00} DEPTEDXXXX  XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$8700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Bankruptcy XXXX Date Reported XX/XX/XXXX XXXX  XXXX Bankruptcy XXXX Date Reported XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Resurgent Capital Services L.P.
State: NC
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:
Pursuant to 18USC 8, i owes no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681 ( b ) 2. Company has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: Experian Information Solutions Inc.
State: OK
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:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2021-11-05
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am a natural person and consumer who has received unfair treatment by Synchrony and its business affiliate, a well known hardware merchant. 

In a previous CFPB complaint, XXXX, Synchrony pledged to remove the fraudulent inquiry made on my consumer report on XX/XX/2021. This was to be completed within 60 days of my complaint however, the inquires still remain on my consumer reports. Pursuant to 15 USC 1681b, Synchrony received my consumer report but has no written instructions from the consumer ( me ) to whom it relates. This constitutes a violation of Title 15, Chapter 41.

Synchrony also violated 15 USC 1681d and 1611 as they caused to be procured an investigative consumer report and did not accurately disclose to the consumer ( me ) that such report would be made. This too constitutes a violation of the Title 15, Chapter 41.

Sychrony continued to report that they made a fraudulent inquiry on my consumer report well past the date they claimed they would remove the inquiry in CFPB complaint XXXX. Synchrony is in violation of 15 USC 1611, by continuing to report false and inaccurate information to consumer reporting agencies, therefore ruining my reputation and defaming my character.

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 2021-11-10
Company: Experian Information Solutions Inc.
State: MI
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:
Experian refuse to conduct a proper investigation from my dispute, and delete account reporting by email XXXX/XXXX. 

The following are the reason ( s ) why XXXX/XXXX  should be deleted from reporting with Experian : This account is too old to collect and/or report an open and closed debt in the state of Michigan. Therefore, should be deleted.

Michigan Limitation of Actions For most collection actions, there is a specific period of time during which a creditor may pursue the collection of a debt. In Michigan, the filing of a breach of contract and/or open account action, for default of a credit card agreement, for example, must be done within the 6-year Statute of Limitations. MCL 600.5807 ( 8 ). The relevant date for determining when the six-year Statute of Limitations begins to run is the date of the last activity on the account, whether it be a purchase or a payment made. For a debt arising out of the sale of goods which is governed by the Uniform Commercial Code ( UCC ), a collection action must be commenced within 4 years after the cause of action has accrued. MCL 440.2725 ( 1 ). In the sales scenario, a cause of action occurs when the breach occurs, regardless of the aggrieved partys lack of knowledge of the breach. MCL440.2725 ( 2 ). Civil judgments in Michigan expire 10 years after the date of entry, but may be renewed for another 10-year term if a motion to renew judgment is filed and an order entered prior to its expiration date. MCL 600.5809 ( 3 ). In order to collect upon a judgment entered in another state, where the judgment-debtor is now living in Michigan, it is necessary to first domesticate the judgment in the appropriate Michigan court . A foreign judgment domesticated in Michigan is subject to the same 10-year date of expiration from the date of domestication, unless renewed by motion prior to its expiration date. MCL 691.1173.

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 2019-11-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Portfolio Recovery llc told me i owed XXXX i told them that amount was not correct i asked for a copy of the orignal credit card statements showing what i owed i was then told if i didnt start a payment plan they would have no choice but to refer my case to the XXXX County DAs office in Texas and i would be charged with ( Theft of service ) and a warrant would be placed for my arrest! i refused to pay them i told them the broke fedral and state law they hung up on me and six weeks later i received a civil lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: TD BANK US HOLDING COMPANY
State: NJ
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2023 and XX/XX/2023 XXXX fraudulent charges were made in my TD bank Visa card in the amounts of {$2200.00} and {$1900.00}. I saw the charges on the XXXX and immediately called the credit card customer service to report the fraudulent charges and locked my card. The charges were made by some XXXX XXXX in Colorado. I live in XXXX XXXX and have never been to Colorado nor have I left the XXXX XXXX since XXXX. A charge in XXXX XXXX, NJ ( where I purchased gasoline ) was the last purchase I approved and made ( this was made the same day the charge in Colorado was made ). I also informed the credit card company that I never received any type of call or text to approve such a large amount of charge, which most companies do. I have not made a charge that large on that card and that shouldve raised a red flag on their end. They temporarily refunded me the amount and then recharged the amount saying the charges were made chip on chip. I have called numerous times since XXXX to keep reporting and stating that I never made that purchase and keep requesting documentation of their proof because I can prove I was never in Colorado I was at work that day in NEW JERSEY. Its been 3 months now and several calls to them and nothing has been resolved nor I have received any documentation of how they came to the conclusion that the purchase was not fraudulent. Ive had the account for several years now and have never reported a fraudulent charge or tried to get away with something like this. My card is accumulating interest now on a charge I did not make and my credit score has dropped because of this lump of debt sitting there. I am extremely frustrated and upset and do not know what else to do to resolve this issue. I did not make these purchases that add up to over XXXX XXXX dollars and I demand to be reimbursed. I have never in my life experienced such terrible customer service or stress from a credit card company that is refusing to help a loyal customer that is a victim of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I am so disappointed with the customer service that I have received from Citibank, the card issuer for Shell Fuel rewards card. I recently opened a Shell Fuel Rewards credit card. I did this so that I could use it on the Shell mobile pay app but it has been nothing but problematic and frustrating, to say the least.

My first issue was trying to get the mobile app to recognize the card. I called customer service and had to jump through rings in order to get help. I was told that they ( Citibank - Shell ) did not recognize my card. How can that be? I understand the need to properly identify your customer but after several attempts they could not even identify the actual card and or cardholder, me. Talk about fraud prevention, wow. Why even give out a credit card then. Should I submit my blood type and DNA? Will that help? 
Then after finally getting it loaded into the mobile app, I go to gas up and guess what, I get an error message that I need to contact Citibank. And the process starts all over again. 
I called the other day on XX/XX/19, two times in fact, and was told that I cant be properly identified and that someone will call me back. This is unbelievable. All because I signed up for a card in the hopes of being able to use on the Shell mobile app, in the hope of reducing fraud so that I do not have to swipe my card at the pump. Again, I call and after giving my card number 2 or 3 times, they cant locate me or the card. Then after holding for a few minutes, I am told, sorry but we can not verify you. Again, wow. 
So now I have card that I can not use and they have not contacted me. I attempted to swipe it at the gas pump the other and was told it is declined. Citibank ran my credit and issued me the card and I registered the card online as instructed. So as a consumer/customer, what do I do now.

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 2023-12-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
This is to express my extreme frustration and indignation at the persistent and utterly unacceptable inaccuracies in the reporting of my credit history. It has come to my attention that your bureau is erroneously reporting late payments on my account, despite the fact that all payments were made in a timely manner. 
Account Information : XXXX XXXX XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I am astounded and infuriated by your blatant failure to accurately reflect my credit history. The late payment information reported by your bureau is unequivocally false and damaging to my financial standing. 
Cease the erroneous reporting of late payments on my account. The payments were made on time, and there is no justification for tarnishing my credit history with such inaccuracies. The negligent reporting of late payments on my account is not only damaging to my creditworthiness but also a direct violation of the Fair Credit Reporting Act ( FCRA ). I am appalled at the lack of attention to detail and accuracy demonstrated by your agency.

Company response to consumer: In progress
Consumer complaint received 2023-08-22
Company: Resurgent Capital Services L.P.
State: NY
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:
XXXX failed to remove the collection account from my consumer report. Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
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: Credit inquiries on your report that you don't recognize

Complaint:
Attached you will find documents mailed to me by companies stating they would be contacting EXPERIAN to remove unknown credit inquiries. To speed up the process I sent copies over to EXPERIAN. Some have been since XX/XX/2018 which gives them more than 9- days to remove the inquiry. Yesterday I called and spoke with XXXX who was very rude with me. First he claimed EXPERIAN has " never received your letters sir! '' Then he put me on hold for 20 minutes and magically he was able to read me word-for-word the letters I have attached for you here. He then told me, " WE WILL NOT BE REMOVING THE INQURIES SIR. FOR ALL WE KNOW YOU WROTE THESE LETTERS. THEY ARE NOT OFFICIAL. WE HAVE NOT RECEIVED ANY INFORMATION FROM THESE COMPANIES DIRECTLY. NOPE! WE WILL NOT REMOVE. YOU NEED TO WRITE TO THE COMPANIES YOU HAVE SENT US LETTERS FOR AND YOU NEED TO TELL THEM TO SEND YOU OFFICIAL LETTERS SIR! '' Just rude! I've done my part as a consumer. These companies sent me letters on their letter head. I WANT THEM DELETED IMMEDIATELY! FURTHERMORE, at this point, I want my {$1000.00} per inquiry and per defamation of character. THIS IS PROOF EXPERIAN IS REPORTING WHATEVER THEY FEEL LIKE REPORTING AND THINK THEY ARE ABOVE THE LAW! 

In addition, I have proven I do no have a XXXX account. I have enclosed a letter that XXXX admits they can not even prove they have proof of a contract with them. No phone number for me, nothing! The email they took from the CFPB complaint! I want XXXX deleted immediately from my report and I want a check for {$1000.00} for listing the account, selling the account TWICE and DEFAMATION OF CHARACTER -- {$4000.00} EXPERIAN also claims they have the right to report any name they want to on me. I am ONE name. There are no variations of my name. It is clear accounts have been opened in my name using just my middle and last as well as my first name, middle initial and last. I ALWAYS USE AND SIGN MY FULL NAME. I DEMAND ALL ACCOUNTS NOT HOLDING MY FULL NAME BE REMOVED! Again, under FCRA I have a right to {$1000.00} for every account falsely listed using variations of my name that are not as I legally AM or PRESENT myself. 

The representative said if a credit card lists me as MIDDLE NAME and LAST they have they right to list it. NOT TRUE. THERE IS NO PROOF OF MY LEGAL SIGNATURE under FCRA it has to be removed -- at minimum while it is investigated. Then they have to write me 5 days notice before being able to put it on. 

HOW IS THE CFPB ALLOWING THIS NONSENSE

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