BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-04
Company: Duncan Solutions, lnc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a notice dated XX/XX/2019 from Professional Account Management , LLC. Original debtor is XXXX XXXX XXXX. 

The XXXX XXXX system is very flawed. I could have sworn that this amount was taken care of, after I disputed via the forms of the amount they were attempting to collect originally. 

The violation fees were waived and they deducted the remaining amount of the actual toll from my XXXX XXXX balance. I am disputing this entire amount sent from the collection agency in the amount of {$200.00}. 

They are threatening to suspend my license plates as a result, if I fail to respond to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: PNC Bank N.A.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I traded a car that was financed through PNC Bank on XX/XX/XXXX. The dealer sent a check to PNC Bank in XXXX via XXXX on XX/XX/XXXX, which was received and cashed by PNC on XX/XX/XXXX, per the information on the back of the check. The correct VIN and PNC account number was provided on the document attached to the check, along with dealer information. However, the funds were never credited to the loan account, despite numerous phone calls to PNC Bank by me and the dealer 's finance/accounting representative. I personally have been in communication on a daily basis with no less than 5-6 individuals at PNC Bank, 3 of them in the Escalation Department with no resolution of the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2023, I made an online purchase of a drone from XXXX, totaling {$980.00}, using my Wells Fargo credit card. Although the initial delivery expectation was a week later, XXXX expedited the order, scheduling it for delivery on XX/XX/2023. Eagerly anticipating its arrival, I remained at home throughout the day. However, upon checking my XXXX account, I was surprised to find a notification claiming the drone had been delivered. 
Despite thorough search efforts, the package was nowhere to be found at my front door. Upon contacting XXXX, they advised waiting for a potential delayed delivery or filing a police report if the package failed to arrive. Consequently, on the same day, XX/XX/2023, I lodged a police report due to non-receipt of the package. 
XXXX assured an investigation upon escalating the matter to their back office. Nevertheless, the subsequent day, I received an email declining a refund or replacement, asserting the delivery had taken place, supported by a purported picture. Expressing my frustration and emphasizing the non-receipt of the package, I initiated a dispute with my credit card company. All correspondences with XXXX and the police report were promptly submitted to support my claim. 
Unfortunately, despite providing comprehensive evidence, the credit card dispute was regrettably denied by Wells Fargo. I included detailed evidence encompassing my exchanges with XXXX and the police report number. This situation is particularly disappointing considering my consistent successful purchases with XXXX, except for this instance on XX/XX/XXXX. 
Moreover, on XX/XX/XXXX, I made another purchase from XXXX, wherein the courier contacted me and obtained a signature before releasing the package. Attached is a copy of my online purchase history with XXXX for your reference. My concern solely pertains to the undelivered order on 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 explanation
Consumer complaint received 2023-08-17
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chase account number XXXX branch XXXX XXXX XXXX XXXX Branch -XXXX XXXX AZ XXXX with Chase bank plus savings, saving CD account XXXX, XXXX checking account XXXX and checking also premier platinum checking and XXXX all under XXXX XXXX XXXX and or XXXX XXXX XXXX XXXX My elderly mother XXXX XXXX XXXX that is really legally XXXX XXXX XXXX XXXX XXXX has gone to all of the accounts above and drained the accounts moved them to same bank under new accounts and closed my accounts without permission and the bank will not allow me access or transcripts. My mother has accused me of theft and my lawyer has requested transcripts. My mother is under and has been under my care as Power of attorney for her welfare. I need help as my rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, Ive been trying to set up biweekly payments with Newrez LLC XXXX # XXXX. First I was told to mail in the document which I did in XXXX they clam they never received it and keep saying that they are having issues getting their mail. Then I submitted it online and they say they have not received it. I am worried because all of my loan informations was in the mailed in document including a voided check. Ive had to pay for increased security measures on my accounts and bank. 

Every customer service person I deal with gives me a different answer and refuse to help.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the 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 2022-08-10
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XXXX, I logged into my mobile banking app for my account with Citibank. I seen that there was a block on my account. There was no email, no call or nothing sent on why it was a block on the account. I called Citibank several times, no one has any information on why its been closed, all Ive been told is that I will receive the balance of the account via check within 60 days. Each person Im, Ive spoken to has been rude and has hung up on me. I dont have 60 days to wait. I have a new baby arriving really soon within the next day or two. I need help resolving this issue. If they need to close the account thats fine, I just need my money thats in 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 non-monetary relief
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 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 non-monetary relief
Consumer complaint received 2022-04-11
Company: Bread Financial Holdings, Inc.
State: NJ
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:
Phoned to make {XXXX} payment over the phone on XX/XX/22. Balance was previously paid in full, yet accounts keeps billing at 28 %. 
Expressed all of this to representative and that I was attempting to pay off card for the second time. Was assured it was handled. 

Friday I received my statement indicating I was 30 days past due and that my payment was reversed. Received credit alert this morning indicating they had reported my account delinquent as well. 

Phoned them and was told they had incorrect checking information for me. My account numbers have not changed in over 15 years, I use XXXX XXXX. Once I read the checking and routing information to the representative, she confirmed it was incorrect in their system. I asked her to make note of same and she processed the payment again. 

My phone number nor email address have changed. Other than this statement received Friday this is the first I was made aware of their mistake. 

The representative processed my payment this morning and has removed the late fees that were tacked on as a result of their error. I am simply attempting to have the delinquency removed from my credit report immediately. 

I asked to speak to a supervisor, XXXX who refused to accommodate or assist me with reversing the delinquent mark on my credit report. 

I even went so far as to state that mistakes happen, human error exists. Yet, it appeared the supervisor was insistent upon reading her script. 

Note : the statement says returned payment, thats incorrect as they didnt have correct account to initiate a withdrawal. I have attached a screenshot of my account which shows that my other two Comenity accounts withdrew their payments successfully. The screenshot also shows the balance on the date of XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In a letter dated XX/XX/2018 it reads that I did not make a payment in XX/XX/2018. 
I have never missed a payment to Select Portfolio Servicing at any time and I will attach proof of payment. I have also contacted XXXX XXXX. They are immediately sending me documentation that I will forward to your company. 
I do not know why Select Portfolio Servicing would document this error and would like a correction letter send to me and my account made to reflect that I have not missed any payments to your company. 
This is a very serious matter to me and I am once again being pushed into a negative account status through errors created by a Mortgage Company ; that then tries to force negative repercussions to those errors, such as Default etc. 
I have attached payments made in XX/XX/XXXX, XX/XX/XXXX and XX/XX/2018 along with the receipts so there is no error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Called up Experian to correct my first and last name which have changed when I got XXXX. They were unable to provide a process by which I am able to submit documents online to correct the name on my report. XXXX was able to update my personal information after getting a scan of my passport ( for id proof ) and updated ssn card. Experian requires me to send sensitive documents over mail which I am unwilling to do. 

I did not provide experian any documents for them to open a file/account for me. They should have a mechanism to get updated information from the lenders who already have my updated information. 

I intend to start opening complaints on this issue with the cfpb more frequently until this issue is resolved.

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 2022-04-11
Company: Experian Information Solutions Inc.
State: LA
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:
XX/XX/22. Have a fraudulent unauthorized inquiry from XXXX XXXX XXXX. That I would like remove from my credit report or provide proof within 30days

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 2022-04-11
Company: Credit Karma, LLC
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was chargerd {$180.00} by a company called XXXX on my credit karma savings account that I did not authorize at all. So I ordered a new debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX XXXX XXXX : {$30000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 
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 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 2023-12-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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 was looking over my credit report and found some In accurate addresses, Name spelling, phone number, employment, and also inquiries that I did not authorize. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses, inquires, employment, and all FCRA laws that protects me and my identity from these issues My correct info is below and also Ive attached a cover letter so this will be a smooth and fast updated, please do not report! in accurate info on my credit report because this is considered identity theft, so please follow each step in cover letter thats attached and fix immediately

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 2023-12-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$21000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
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 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 2023-12-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-12-02
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX XXXXXXXX Balance : {$31.00} ; XXXX  XXXX : {$16000.00} ; XXXX  XXXX Balance XXXX {$5600.00} ; XXXX  XXXX Balance : {$110000.00} ; XXXX  XXXX Balance : {$2200.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$35000.00} ; XXXX XXXX  XXXX Balance : {$110.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-04
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation