BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-04
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
This account should be closed. XXXX XXXX XXXX is the primary account holder on this. It should not be against me or my credit records. My mom has passed away on XX/XX/2018. The debt should die with her. It's the XXXX with your claim she owes over 500. You did nothing on this account you never helped at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-19
Company: PNC Bank N.A.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Basically, I Was Always Following My Payments On XXXX XXXX XXXX XXXX XXXX " PNC BANK '' The XXXX XXXX XXXX XXXX XXXX XXXX XXXX I Had With The Vehicle, They Knew Name Of XXXX XXXX XXXX And Everything Because They've Had Prior History Communicating With Them. The Vehicle Was However Involved In A Total Loss And Gap Stated That They Would Immediately Make The Remainder Payment For The Vehicle Which Is The " XXXX '' Total Of The Vehicle 's Current Value. XXXX Insurance Communicated With Me That I No Longer Have To Make Any Payments On The Vehicle Since They Were Going To Cover The Remainder Owed On The Vehicle Completely Before My Payment Due Date Arrives. XXXX Made Me Late XXXX Months On My Payments I've Never Been Late Lately On Any Payments. So Please Understand, At This Moment I Was Immediately Not At Fault. The Vehicle Was Involved In A XXXX XXXX That Further On Made It XXXX When The Vehicle Was In The Shop For Almost XXXX Months They Finally Told Me It Was A Total Loss Please Review Documents Attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: Pendrick Capital Partners Holding, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX agreed to settle debt for {$550.00} it was paid in full they said pendrick pick the debt up which was settled and still reported it as if i owed r them a some of something

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit reporting agencies are required to remove/block any accounts listed on an id theft report. Please find the attached documents to assist in blocking the erroneous information which is being posted to the report. Here is the list of accounts/items which do not belong to me or were opened without my permissionXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-08-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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 information incorrect

Complaint:
I called capita one on XX/XX/2021 to ask the amount I would need to pay to keep my account from going into a 30 day past due status. The representative I spoke with advised me to pay a minimum of {$180.00}. The capitaL one statement does not tell you how much is past due from the last cycle, but only tells you that it is past due. I paid {$200.00} on XX/XX/XXXX to avoid being 30 days past due, as advised by the Capital one has agent. On XX/XX/XXXX, I received an alert that my account was reported 30 days past due. This was very disheartening as I did what capital one advised. I called today and spoke to two agents XXXX XXXX XXXX ) ID ( XXXX ). The first agent was rude and unhelpful. She suggested that I speak to a supervisor. The supervisor named XXXX was helpful and told me that I should of paid {$200.00} instead of {$200.00} and that the previous rep misinformed me. At her recommendation, I paid the {$7.00} and submitted a dispute via the credit bureaus. I would like captial one to remove the delinquent status since I was misinformed by their representative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am XXXX XXXX and was excited to start working on building my credit. After checking my credit report, I am confused why there is a derogatory mark on my credit history and 9 hard inquiries. I have never in my life applied for credit. The fraudulent account is XXXX XXXX XXXX with the amount of {$140.00}. AND THE NINE HARD INQUIRES ARE, 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 non-monetary relief
Consumer complaint received 2019-02-15
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am the wife of a military member and lost my job in XX/XX/XXXX. On XX/XX/XXXX, I submitted my husband 's military pay statement for XXXX to recalculate my income based repayment amount. On, XX/XX/XXXX, I received notification of an erroneously calculated new payment amount. They erroneously included my husband 's non-taxable housing and food allowance in his salary. My payment before I lost my job was {$750.00} and was erroneously recalculated to {$850.00}. When I was notified of this increase, I knew they made a mistake and called them the same day to review their mistake. They did and recalculated my payment to the correct amount of {$560.00} on XX/XX/XXXX. 

My XXXX payment was still reflecting {$850.00} due on XX/XX/XXXX. I called them and they told me it was nothing they could do to have the correct amount reflected. I had two options : 1 ) pay the {$850.00} or 2 ) request a forbearance to skip the XXXX payment. I explained to them that my husband and I could no longer afford the {$750.00} without my income so there was no way we could afford {$850.00}. I also explained to them that it was unfair that I had to suffer because of their mistake. The loan specialist on the phone explained to me that there would be no negative ramifications of using a forbearance. However, I received a notice on XX/XX/XXXX from XXXX stating that {$11000.00} of unpaid interest is going to be capitalized due to the change in my payment structure. When I called them, they told me I should have read the forbearance application and would have known that unpaid interest would be capitalized. I am in total shock that this has happened to me because of their mistake. I feel completely victimized and helpless. I would appreciate any assistance you can offer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 have personally been affected by several data breaches. I have found serval fraudulent accounts on my report and I am requesting the are removed 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 2022-01-08
Company: Credit Bureau of York, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
CBY  has not reported the correct balance to credit bureaus since XX/XX/XXXX. I paid the remaining balance off on XX/XX/XXXX. I called CBY to confirm. I was told that they would contact the original creditor ( XXXX XXXX ) to let them know the balance has been paid. The lady also told me to give it about 15 minutes for them to contact XXXX XXXX. I never received a call back from anyone. I was required to pay in order to get my XXXX done. 
Today, XX/XX/XXXX, XXXX XXXX called me to schedule my appointment for my XXXX and then said they couldnt schedule me because their billing office has a block on my account because XXXX never called to confirm my paid in full balance. I called CBY and was told once again that they would call XXXX XXXX to confirm the balance was paid. It was never done on XX/XX/XXXX! Once again I was told to give it about 30mins and CBY would call me to let know that they have contacted XXXX XXXX. For the 2nd time I didnt get a phone call. 

I am not sure what type of game this company is running but I want this situation fixed. My XXXX is DESPERATELY needed and CBY does NOT care at all. They had no problem calling me in XXXX asking for a payment. I was able to make one in XXXX due to XXXX and was on a leave from work. Legal measures will be pursued if these issues are not addressed. The older lady I spoke with on both occasions had been so sweet and I tried not to get upset with her. I know its not her fault. I want CBY to contact XXXX XXXX and confirm my paid in full status. Im addition to this action, this account needs to be removed from my credit report immediately due to not reporting accurate information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have been a victim of identity theft and as a result DISCOVER has opened a fraud account under my information which was never done by me and now they are trying to hold me reliable for this fraud account. I have a police report for identity theft and have sent it to them and the credit bureaus and they refuse to take it off when by law they have to

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
My parents received an XXXX credit card with my name on it in early XXXX. I live overseas and did not apply or inquire about a credit card with any company XX/XX/XXXX : Called TD customer service. ( TD seems to administer XXXX, which is the name of the company on the card. ) They've filed a fraud attempt report on my behalf. They said my parents ( the address under which an application was apparently made - I haven't lived there for over 5 years ) should receive a letter from their fraud department in the next 7-10 business days. Could take up to 30 days to resolve. Case # XXXX. If any questions in the meantime, I was told to call customer service back at XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The credit bureau never did a proper investigation according to the FCRA. 

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They did not do this.

Also they have violated my rights even more.

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal, They also violated the law because according to 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 I did not give anybody written instructions 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 non-monetary relief
Consumer complaint received 2022-12-06
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
My XXXX XXXX XXXX credit card that was administered by Comenity Bank- a service owned and part of Bread XXXX- has continually failed to provide accurate and timely monthly statements of my account. These monthly statements are required from a CFPB perspective and necessary for me to know balances owed, fees, interest etc.. and to remit payments. I've reached out to the company multiple times and even filed a complaint with the CFPB, and the company has failed to rectify the issue. To date I still do not have access to my current monthly statements. The company claims there was a temporary outtage due to a technical update, but that that has been completed now and their systems restored. This however is not the case, as I am providing a snapshot of what I see today showing I have NO statements provided or available to me since XXXX of 2022. No attempt to provide these in a timely fashion via mail or within my online profile without me having to contact customer service has been adhered too. Bread should be held liable and fined for non-compliance with these requirements and customers should be compensated for their time and frustration.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We refinced with BMO Harris in XXXX time frame 2021. They sold ( moved ) the loan to someone else. We are on auto payment each month everything was working fine until XX/XX/2021. A payment was applied on XX/XX/XXXX and it was not made by us. so when the end of the month came no auto payment was taken out. we have followed up with a few differnet people and finally have been talking to a VP of loans from BMO Harris They had us follow a series of calls and seversl request to find out where the payment came from and for them to correct it.. Another month went by and no resolution. and now it is XXXX and still not correction to the problem. We contacted BMO Harris and moved up the ladder to another person higher. We tried and followed their suggestions. We had many contacts and follow ups since XXXX. 

We were assured by a VP of loans that it should be corrected and now end of XXXX stil no correction to the problem - per her suggestion we were told to contact you We have made our XXXX and XXXX payments so we are all current but with different correction they tried to put on our accts they even took money out that was ours and not part of the payments Recapping, since XXXX per the phone application ( and in live discussions her application shows something else ) it shows we are 2 months behind. Today 's live call passed the buck of getting this resolved to you and submitting this complaint. 

Please help

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 2022-05-29
Company: LendingPoint Holdings LLC
State: MO
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:
I, XXXX XXXX, the NATURAL PERSON, Creditor, and Applicant, I was denied my right of credit by Lending Point who sent me an adverse action denying me credit on XX/XX/2022 pursuant to 15 USC 1691 ( c ) ( d ). I am submitting this complaint myself and no third party is involved in helping me file this complaint. As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to 15 USC 1602 ( L ) making Lending Point an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application. I extended an inquiry to CreditkarmaAPI ( Referral Source ) to see potential consumer loan options. Furthermore, that is a Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report which is proof the transaction did in fact go through. It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof " pursuant to 15 USC 1642. I made an application in good faith. Yet I received no benefit from this credit transaction. Everyone benefited from this transaction except me. It is horrible to me that Lending Point blatantly violates Consumer Protection Laws. Furthermore they did not give specific reasons in their Statement of Reasons ( ECOA and FCRA ). According to 15usc1602 ( p ) XXXX never had my permission to allow Lending Point to view my non-public private information. As a result of the adverse action provided to me I have lost confidence with this elaborate system which congress has tried so hard to protect us from its abuse. For denying me my rights I am entitled to civil damages under 15USC1640 ( a ) up to {$5000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I don't even remember the dates but they keep threatening and harassing me. I'm not even sure of the amount. It was over 5 years ago and they took unauthorized money out of my account which after I had to close the account to stop from getting charged by my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The Credit bureaus stated that on my account they did a proper investigation but how is that possible if the date opened is inaccurate, high credit inaccurate, the date last active is inaccurate, and date last reported is not accurate and also date of last payment. This ground for removal They also violated my rights under : 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
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 U.S.C 1681. 
Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : 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 " 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 by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) " States 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