BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-02
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
An account held in BBVA Compass which was then acquired by PNC XXXX XXXX XXXX had it's funds withdrawn on XXXX according to debit memo XXXX for the amount of {$7900.00} in accordance to a court order. After that, the account was made unavailable for my client to access on his online profile and was told by employees of the branch that once the court decided on the matter the funds would be immediately available. 

On XXXX, XXXX XXXX XXXX, Presiding judge of the XXXX XXXX XXXX in XXXX XXXX, Texas, signed an order Granting a no-evidence motion for summary judgement and dismissed all claims with prejudice. 

Contact was made with XXXX XXXX XXXX who is executive vice president, general counsel and chief administrative officer of The PNC XXXX XXXX XXXX at his email address XXXX who replied and instructed XXXX XXXX XXXX with email address XXXX to follow up. After all the information was given to identify the account it took 17 days for her to reply that " while PNC reviewed the concern. PNC has no record of this account with this client '', for which I understand that the {$7900.00} are lost and there is no way to recover them regardless of the banks obligation to keep records of its clients even 5 years after the account has been closed in accordance to CFR 1020.220.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: Experian Information Solutions 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:
I just recently reviewed my profile and Im very upset with the result that I have received. May I know how you contacted the creditor for me to know the reasonable procedure you take to determine my disputes are BELONG to me and VERIFIED AS CORRECT information? Did the Furnisher confirm that the information posted in my file is correct? I never received any notice from these companies that my dispute is truly mine or correct. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or Rescind. 

Remove these items that are erroneous in my file for they do not belong there : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2018-10-15
Company: BARCLAYS BANK DELAWARE
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Our XXXX MasterCard which is backed by Barclays was hacked after one {$37.00} purchase to XXXX was approved on XX/XX/18. After this approximately, {$40000.00} in fraudulent charges ( from XXXX and a few other foreign countries ) were approved from XX/XX/18 through XX/XX/18 by Barclays ( a total of 471 charges ) in about a two week period. We did not notice the charges until we received our bill in XX/XX/2018. We began disputing these charges on XX/XX/XXXX with six different customer service agents who gave us six different answers. Supposedly we were issued another credit card, which was not received. Barclays continued to increase our credit limit in order to approve the disputed charges, from {$26000.00} to {$50000.00}. We continuously disputed these charges ( correspondence attached ) and after review by a staff member in the Office of the President, we were told that they did not consider these charges fraudulent since the XXXX charge in Oklahoma was approved, it meant that any XXXX charges were approved. The office said that it was up to Barclays to continually increase our credit limit even if it surpassed the amount we could afford. XXXX was contacted and told us the card should not have been connected to the account that the charges were against because it was not the owners, however the account has been hacked and is no longer able to be controlled by the owner. XXXX said that Barclays had to reject the charges, which they refuse to do. We are retired and can not afford over $ 1,000/month to pay this balance off and which we will not pay since it was due to criminal activity that Barclays refuses to credit back to our account. Our credit history proves that we did not have a history of making such purchases. We did receive letters from Barclays in XX/XX/2018 admitting that the account seemed to be inaccurate, but Barclays refuses to admit it was their error and the charges should be credited back to our account. Barclays is not customer friendly and will not admit that they mistakenly approved these charges above our credit limit. Similar charges to another credit card were investigated by the bank from which that credit card was issued and were credited back to our account, proving that these types of charges were fraudulent.

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 2023-04-18
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: Their investigation did not fix an error on your report

Complaint:
Hello good afternoon, I had an auto loan with XXXX XXXX XXXX in XXXX which has been satisfied in full, unfortunately the account is continuing to show up on my TransUnion, XXXX and XXXX credit reports as charge off. I satisfied the debt of the charge off in full and would like this account removed from all three ( 3 ) of my reports as it is impacting my credit score negatively. 

Thank you.

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 2023-08-21
Company: Experian Information Solutions Inc.
State: MD
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:
To Whom It May Concern : My Identity has been stolen. Please help to remove these fraud hard inquiry items ( XXXX XXXX, XXXX XXXX ), & ( XXXX XXXX  ). I have recently reviewed an extensive copy of my credit report included dark web alert ( s ) with the intention of trying to improve my credit and take care of my responsibilities and noticed a few HARD INQUIRIES that I wanted a little more explanation on ( XXXX XXXX, XXXX XXXX ), & ( XXXX XXXX  ) and they need to be deleted/removed from my credit report. I also recieved an alert on my experian account that a recent account has been opened with my social security number at XXXX XXXX XXXX, The claim # is : ( XXXX ) that does not belong to me. Please help. 

THESE HARD INQUIRY ACCOUNT ITEMS LISTED BELOW IS NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 

FTC REPORT # : XXXX THE POLICE REPORT # : XXXX I DEMAND THESE HARD INQUIRIES LISTED BELOW NEED TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY!. 


Hard Inquiry Account Item : XXXX XXXX, XXXX XXXX delete it from my credit report. 
Date Opened : XX/XX/XXXX Hard Inquiry Account Item : XXXX XXXX delete it from my credit report. 
Date Opened : XX/XX/XXXX Thank you for your time and help in this matter. Sincerely, 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 2023-02-09
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit 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:
XXXX XXXX XXXX XXXX by comenity Bank. Has billed me for merchandise without sending the merchandise. Because I told them I didn't want it due to the fact, they said it could take 20 days! they have reported the balance to the credit bureaus, and damaged my XXXXredit score... they refused to send the merchandise or remove it from my bill!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: EQUIFAX, INC.
State: MD
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:
Hello Im a XXXX XXXX and I have illegal stuuf on my credit. Im a resident here and trying to do the right thing. MY social is a govermnet number that was given to me Please help protect me. You can XXXX   me Im a real honest person I would never mess up my credit I cant Im struggling for my citizenship. This is wrong. How can someone do this. Please help remove these 4 accounts thats not mines. Godbless XXXX XXXX XXXX XXXX XXXX  XXXX Reported : XX/XX/2018 {$5000.00} Needs Attention XXXX XXXX Reported : XX/XX/2018 {$1900.00} Closed XXXX XXXX XXXX  Reported : XX/XX/2018 {$16000.00} Closed XXXX XXXX XXXX XXXX  Reported : XX/XX/2018 {$20000.00} Closed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Hello, I mistakenly sent {$710.00} to the wrong person on CashApp on XXXX. The person had the same name but one letter was off. After I realized the mistake, I immediately tried to cancel the transaction. Called CashApp and they told me transaction had already gone through and told me to request a refund from the wrongful recipient. I did, he denied my request and blocked me. CashApp told me I was out of luck. 

I have also disputed this transaction with my bank, XXXX XXXX. I called them while the transaction was still pending and they said to wait for the transaction to post and then file a dispute. I did, and a couple weeks later they send me a letter in the mail notifying me of a denied dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: EVERBANK, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am refinancing my loan with TIAA Bank. They have had the loan for 15 years and I am just looking for a rate and term refi. In the 15 years I never had a late payment. 

The appraisal came in and I have a 60 % LTV, and a DTI of 30 %. They have taken about {$900.00} for fees and seems to have done everything they just keep stalling closing -- and they don't explain or respond to any emails. 

This feels like a scam to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: Mercedes Benz Financial Services
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I have a credit score around 700 I have 0 % debt ratio utilization I have {$12000.00} monthly income There is no way I should have been denied a car loan with 2 paid off vehicles showing and never being late 1x.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Bread Financial Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This number calls from varius different numbers, but yesterday they called from a caller ID identifying them as " Comenity Bank ''. I provided my information reluctantly since they said I had to verify myself to gain information. 

I provided my current information, and then was informed that they were calling from Comenity Bank, and that previously charged off debt that I PAID, was returned back to Comenity Bank for XXXX and XXXX credit card, Express Credit Card with past due balances. I asked them for the date of last activity, they said XXXX, and that it was still in the reporting period. I then informed them that I paid all my past due debts and I owe no one. In addition to, I asked them to send me correspondence of the alleged debt, but was informed that they could not send me correspondence and that if I do not hear back from them in 10 days to call them back. 

I feel that this is fraud for a couple of reasons : Past due obligations to Comenity Bank for the above referenced accounts were paid and settled with Comenity directly in XXXX, and Comenity has verified that I do not owe them any past due balances. 

Additionally, when I asked the debt collector to send me correspondence to my current provided information that they took from me on the call during this conversation, the agent said she could not send me any paperwork. 

This is not in accordance with fair debt collection practices, and I feel that whomever this company is, is either committing identity theft ( since they stole my information ) and falsely stating that they are organically Comenity bank and not a third party debt collector, and they refused to send me paperwork after I asked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-14
Company: Nelnet, Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with Fair Credit Reporting Act, the following companies have violated my rights : XXXX XXXX Dept of EducationXXXX XXXXXXXX XXXX XXXX 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: Grain Technology, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My complaint is with trygrain.com ( grain technology XXXXXXXX XXXX ) it is a virtual credit card when u need funds grain sends them to ur bank acct and vice versa u pay the money back to grain the same way from ur bank acct. my last balance XXXXXXXX XXXX was XXXX XXXX I paid the XXXX XXXX payment but when my new balance was accrued they now say I owe XXXX XXXX XXXXnstead of the XXXX XXXX XXXXnterest making it XXXX XXXX I cant get a response from them requesting them through their app the way u conversate with grain for they have no phone customer services. Now we are getting close to being time for my next payment and I dunno what to do. They report to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: Paypal Holdings, Inc
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
We used PayPal to purchase a puppy from out of state on XX/XX/2019. After attempts to get tracking information the individual XXXX XXXX XXXX did not respond to any email, phone, or text. When we asked to cancel the transaction on XXXX he said he would have the money back to us by XXXX that evening ... this hasn't happened. We have tried to resolve through PayPal which was denied and currently through our bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Accounts inquiries from XXXX XXXX in XX/XX/2021 were done fraudulently. I spoke to the trans union several times, who refused to remove. The information can not be found in XXXX XXXX  because the are listed with fraudulent either wrong name or address. I had a total of 6 cards applied for in the same day and Transunion is the only bureau to remove the fraudulent accounts. A police report has been filed but should not be needed as these accounts are unverified and unauthorized as I told them. These accounts should be deleted 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 2020-12-22
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a refinance of my mortgage on or around XX/XX/XXXX via my existing lender, NewRez Financial. I paid for an appraisal and received that appraisal on or around XX/XX/XXXX which confirmed home value. I also received conditional approval around this date as well. I have been emailing on an almost weekly basis to get updates on progress and received limited to no feedback. It is now XX/XX/2020 and I have no idea if the mortgage will be refinanced or if they are just trying to avoid completing. 

I am concerned they took my money, financial information and now don't seem to have an intention to close. This is now costing me money as I could have refinanced with another lender and saved over $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Yes i have tried 4 times to get Transunion, XXXX and XXXX to remove a bankruptcy from my credit that i did not give reading or verbal permission to report my personal information.And i also checked the US Bankruptcy Court.And they said they do not report anybody 's personal information to the credit bureau.And i have a letter stating that dont report.I 'm asking as a consumer customer to have these Bankruptcy removed asap.These are the docket number # XXXX, # XXXX and # XXXX ... And if these items are not remove i will file a class action lawsuit against CFPB and the credit bureaus for not protecting personal information.Again im asking for these items to be removed

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 2021-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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: Was not notified of investigation status or results

Complaint:
XXXX, XXXX, and Transunion are committing fraud and illegal activity under FCRA 609 by fraudulently and illegally placing an item that is NOT mine on my consumer report. This debt is not mine and this is illegal and fraud and a result of identity theft which I have been a victim of twice already. I do not owe alleged amount from these fraudulent accounts placed on my consumer report and a company cant just say you owe money and place an item on tri-bureau reports fraudulently and falsely. I have been denied employment twice because of these inaccurate accounts on my consumer report and causing my family and I a high level of emotional distress because we cant move forward. I demand for these accounts to be removed asap.

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