BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-12
Company: PNC Bank N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a Virtual Wallet Performance Select account with PNC Bank on XX/XX/2022 with a required {$5000.00} direct deposit within 60 days to earn a {$400.00} sign up bonus. My work took too long to process my direct deposits, so I called PNC Bank and downgraded my account to Virtual Wallet with Performance Spend that had a required {$2000.00} direct deposit within 60 days to earn a {$200.00} bonus. I was told by the customer service representative who downgraded my account over the phone that if I direct deposited {$2000.00} by XX/XX/2022 that I would receive the {$200.00} bonus. This is the reason why I downgraded the account. It is now XXXX and I still have not received the bonus after having direct deposits to PNC Bank all this time. I called PNC to check on the status of my bonus, and the representative told me I originally signed up for the Performance Select account so I would not receive the Performance Spend bonus of {$200.00} that the representative told me I would receive after downgrading. I told them I was told that I would receive the bonus and that I was told deceiving information and that I was not happy. A couple days later another representative from PNC called me. I told her about the situation. She told me that I would not get the money, but she could still put in a complaint to PNC " to try '' to get the bonus. After the complaint, I never received the bonus. It is very frustrating that I have been making direct deposits since last year and the bank is taking advantage of me. PNC Bank owes me the {$200.00} bonus they promised me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Dear CFPB : Was told I had a deferral program on my mortgage due to Corona Virus Hardship. Once I wanted to begin payments again, I was assured it was all being deferred to the back of my loan. Once I paid, it was not put to the back of my loan, instead BofA threatened me with delinquent notices, they haven't reported it to credit however they admitted their mistake yet they haven't remedied this. They said I was " misinformed '' and told me I need to work with them on repayment program like ; pay in full, a loan modification and or refinance options. However, my doctor has rendered me totally XXXX, I am trying to find out how to work during COVID and BofA wouldn't qualify me for a loan modification or refinance option due to being on XXXX. Please help, need guidance. 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 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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'm writing to let you know that the information below is incorrect and that I am a victim of identity theft. I've taken the necessary actions to guarantee that my identity theft claim is handled strictly in compliance with the law. I've included a report that was submitted to a federal law enforcement organization that explains the specifics of the identity theft to support my allegation. XXXX XXXX XXXX and XXXX XXXX Bankruptcy Docket XXXX I have previously submitted disputes regarding the fraudulent nature of this account, and I am deeply concerned that your organization has failed to investigate and rectify this issue. I must emphasize that this is not merely a matter of inconvenience but a significant violation of my rights under the Fair Credit Reporting Act.

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 2023-03-24
Company: EQUIFAX, INC.
State: IL
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 XXXX XXXX '' has violated my rights. 15 U.S.C. 1681 section 602A states that I have a right to privacy. 15 U.S.C 1681 section 604A states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Equifax is not properly investigating my disputes. I have mailed them a XXXX page dispute letter certified mail. I am requesting that they complete a thorough investigation as stated on the letter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Experian Information Solutions 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:
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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Please be aware that failure to comply with my request may result in legal action to protect my consumer rights and seek appropriate remedies as provided for under the FCRA.

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 2022-12-02
Company: NAVY FEDERAL CREDIT UNION
State: GA
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:
Navy Federal Credit Union has reported a charge off on my credit report. It is illegal to post income on my consumer report. According to the IRS, a charge off is income that the company has to file on a 1099-C and they never sent me a copy of the 1099C. Furthermore, I never gave written permission for this information to be furnished and they are violating my right to privacy. 
Account XXXX Account XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My name is XXXX XXXX. I am filing a complaint against XXXX XXXX. Their address is XXXX XXXX XXXX, XXXX, Tennessee XXXX. # XXXX XXXX XXXX, XXXX name is XXXX XXXX. On XX/XX/2021, I entered into a contract with XXXX XXXX for a washer and dryer. I was later advised by my credit counselor to pay off this contract in 90 days. On XX/XX/2021 I made my first payment in the amount of {$110.00}, with a live person on the phone. I made the second payment using the automated system. That payment posted XX/XX/2021 in the amount of {$110.00}. The final payment in the amount of {$950.00} was also made through the automated system XX/XX/2021. I received a phone call from XXXX XXXX XX/XX/2021. I spoke with XXXX in the billing department who informed me that my account, that I thought I had paid in full, is now 3 months behind and they needed a payment. After going over the accounting with her we learn that they took the money that was to be applied to the washer and dryer and applied it to an account that was over XXXX XXXX XXXX. This so-called forgotten account did not show up on the credit report. If so my XXXX XXXX would have seen it and advise me to take care of it. I have been paying a company over the past several months to repair my credit. Prior to the unprofessional conduct from XXXX XXXX my credit score has gone up. Because of the action from XXXX XXXX it's now going to delay my timing for a purchase of home and automobile. XXXX of the credit bureaus are now less than XXXX and the other is less than XXXX. I never enter into any contract agreement stating that funds from one purchase can be use towards another purchase. They never contacted me to inform me they were going to take the funds to satisfy an old forgotten account that they already received credit for. What we are seeking is, credit showing that the washer and dryer is paid in full with no delinquent marks on my credit and secondly I am seeking Financial restitution for the Damage to my credit score. My name is spelled XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX, Tennessee XXXX. Thank you for your assistance.

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 2018-11-19
Company: General Motors Financial Company, Inc.
State: IL
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 has been non-compliant with removing the unverified account GMFNANCIAL which has been deleted by XXXX and XXXX. XXXX  and XXXX  have both completed their research and determined that GMFNANCIAL was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: EQUIFAX, INC.
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:
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. 

XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, Account name : # XXXX, Account name : # 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 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 2023-11-16
Company: BARCLAYS BANK DELAWARE
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:
Back in XXXX of 2022 someone stole my credit card and charged multiple items to my card. My ipad and a few other items were stolen as well. I happened to be moving and had people in and out of my house. I opened up a police report and reported the fraud to the police as well as Barclay card. Multiple times barclay card denied my fraud claim stating the card was in my possession, which it was not and another time stating I confirmed a fraud alert they sent which I advised them my XXXX was also stolen and whoever confirmed the message from my XXXX I could not control as it was stolen. When I knew of the fraud I contacted Barclays immediately and did everything on my part. I have been back and forth with them for a year now and every statement and police report I send them the investigator does not read in it entirety. Now I have collections coming after me and my credit has gone down over XXXX points because Barclay fraud investigation has not read my police report or contacted me to discuss the issues despite me contacting their fraud investigations team numerous time. I have notes from their XXXX representatives dating back to 2022 when I would call in almost weekly for an update. At this point I need this fraud removed from my credit card and the collections stopped. I need this fraud claim processed correctly so my credit score will get back to where it was also. Please advise if I need to send over police reports, statements and all of my notes as I have no problems doing so. I can be contacted at XXXX

Company response to consumer: In progress
Consumer complaint received 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRUIST FINANCIAL CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I have paid {$14000.00} in payments over the last two years towards a XXXX truck purchased from Regional Acceptance two years ago, and have never missed a payment. The original loan was for {$25000.00}. I requested payoff information in order to sell the vehicle two days ago, and I was told the payoff amount is over {$28000.00}. The employee was belligerent and threatening. I was told there was no penalty for early payoff or selling my vehicle. I have requested statements, which they refuse to produce. There is absolutely no way after paying over 59 % of this loan off in two years, can I possibly owe 112 % of the original loan amount. Ive now researched this company, and this appears to be their typical unethical practices. The company also told me I could take the truck, while they finalized the paperwork, and then called me later and jacked the interest rate up to over 40 %, and was told if I didnt miss any payments in a year, they would refinance for under 20 %, which is still ridiculously high. This is not legal financial practice. I request the proper amount that I have paid deducted from my loan, complete statements for all payments, and the paperwork requested to be able to sell this vehicle.

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 2023-03-24
Company: EQUIFAX, INC.
State: GA
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. XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXXXXXX 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 an 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. I REQUEST FOR THIS COMPANY TO VERIFY BY PRODUCING A CERTIFIED COPY OF A LETTER WITH MY WRITING CONSENT GIVING THIS COMPANY PERMISSION TO FURNISH MY PERSONAL INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXXXXXX XXXX : {$370.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: NAVY FEDERAL CREDIT UNION
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:
On XX/XX/2022 Navy FCU acknowledged that the company is in violation of 15 USC 1692 ( a ) ( 2 ) conveying of information regarding a debt directly or indirectly to any person through any medium. Today XX/XX/2022 Navy FCU is still in violation of 15 USC 1692a ( 2 ) by reporting private information which is violation of 15 USC 1681 section 602A, to credit bureau, is still a form ( medium ) of communication. NAVY FCU is furnishing my private information to a consumer reporting agencies without consent to coerce me to pay an alleged debt is extortion. Collection of extensions of credit by extortionate means a violation of 18 USC 894 and carries a criminal liability of up to 20 years in prison.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: TX
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:
Not aware of Hard inquiry on XX/XX/2023 at all from XXXX XXXX showing on Experian report just now. I have placing all my credit on freeze 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 2022-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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