BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-08
Company: Diaz & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Receiving a debt collector letter for over XXXX from a XXXX  but I have never gotten any account threw this vendor I am a retired resident and I don't know what this charges are for ever time I call the debt collector office they never an answer and they have my name wrong but they have my address. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: Credit Karma, LLC
State: VA
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:
hank you for submitting your complaint through the Consumer Financial Protection Bureau ( CFPB ) and for allowing us to respond. In your complaint, you state you have incorrect inquiries on your credit report and you need a replacement debit card. Your desired resolution is to have your replacement debit card with your middle initial or full middle name. On XX/XX/XXXX, you contacted Credit Karma via email in case # XXXX that you needed a replacement debit card due to having your middle name incorrect. On XX/XX/XXXX Credit Karma responded back explaining that it was a case of too many characters in your full name to fit on the debit card. On XX/XX/XXXX when you responded back confirming that the replacement card can be sent to the address on file, instructions for requesting the replacement debit card were emailed to you and again on XX/XX/XXXX. On XX/XX/XXXX the case was closed due to no response and a replacement card has yet to be ordered. To get a new card, please use the following instructions and we will be glad to have your name corrected : Access your Credit Karma Money Spend account. Select Settings. Select Debit Card & ATM Usage. Select Request a new card. On the confirmation screen, select Request a new card to confirm that you want a new card sent to your mailing address. Regarding your XXXX taxes, you can reach out to XXXX at XXXX as we do not have any information regarding tax filings. All accounts and personal information you see listed on Credit Karmas app/website comes directly from the credit bureaus, XXXX and XXXX. Since Credit Karma is not a credit bureau, we are unable to make changes to your credit report. If you see unauthorized hard inquiries on your credit reports you can file a dispute with each credit bureau listing the information or with the lender reporting incorrect account details to the credit bureaus. For more information on how to dispute incorrect information on your credit report please visit https : //www.creditkarma.comXXXX Thank you for allowing us to respond to your complaint. Credit Karma strives to provide the best service to all of our members and we are sorry that we did not meet your expectations. We will strive to do better in the future. If you have additional questions, please feel free to submit a support case at https : //support.creditkarma.comXXXXe or call XXXX and we will be happy to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: PNC Bank N.A.
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I can no longer link my PNC bank account debit card with the XXXX investing program. I have been using XXXX  with PNC for a year and having my purchases through PNC rounded up to the next dollar and that difference invested in my XXXX  account. At the beginning of 2020 this card link was terminated. I have tried numerous times to re-establish this link but PNC will not allow the link. I have communicated eith PNC and have not been provided with a reasonable explanation..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX XXXX, IS A LAW FIRM THAT CLAIMS TO REPRESENT PENNYMAC LOAN SERVICES , LLC . 1. THEY ARE A 3RD PARTY DEBT COLLECTOR WHOM I HAVE NEVER HAD A CONTRACTUAL AGREEMENT OR OBILIGATION NOR DO THEY HAVE AUTHORITY TO OPERATE IN THIS MANNER WITH NO PERMISSABLE PURPOSE. THIS VIOLATES MY CONSUMERS RIGHTS ON DEBT COLLECTION PRACTICES PER THE FDCPA. ALONG WITH HARRASSMENT, THEY REPEATEDLY HAVE SENT MORE THAN 12 THREATENING NOTICES VIOLATING ( 15 USC 1692 ) STATING THEY WILL FORECLOSE ON MY PROPERTY AND VIOLATING PUBLIC LAW 73-10 HJR 1933 IS STILL ENFORCED TO DATE AS IT PERTAINS TO THE UNITED STATES OF AMEREICAN and its Citizens. AS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: EQUIFAX, INC.
State: IA
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:
An account under the name " XXXX '' was disputed and removed from my Equifax credit report on XX/XX/2022, as Equifax was unable to validate or verify this " debt. '' This account has since been reinserted onto my credit profile without me being notified by the credit bureau at least 5 days prior to the reinsertion date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible 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 2023-06-27
Company: CULLEN/FROST BANKERS, INC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I approached Frost Bank ( XXXX XXXX ) in XX/XX/XXXX for a personal, secured loan depositing {$1000.00} as required and received {$1000.00} as the loan. I paid off the {$1000.00} loan in ten months and requested my {$1000.00} and was told that I was not entitled to the {$1000.00} deposit I had placed to secure the loan since I had already received the loan of XXXX 

I did return in XX/XX/XXXX and followed the same procedure as in XX/XX/XXXX ( including paying off the loan in about 9 months at which time I requested if I would receive my {$1000.00} that I had deposited to secure this second loan ). I did receive the {$1000.00} as I had been told for this second loan. 

While I take medication that can make me occasionally foggy these are the facts as I remember and based on documentation that I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I attempted to request a free copy of all 3 credit report ( XXXX, XXXX, and Experian ). I received my XXXX electronically, however the XXXX site displays technical difficulty and the Experian site states that the personal information provided is incorrect. I called the telephone number provided to order the reports by mail, providing the personal information requested on the phone, but received a letter in the mail stating that I did not provide enough information to received the report. I then mailed in the requested documents ( drivers license, utility bill, etc. ) and have yet to receive a response. 
I have tried requesting my reports several times throughout the year, both free and paid for, and the credit bureaus are making it increasingly more and more difficult to access the report online ( requiring you to sign up for credit monitoring to access the report ). 
I pull my free credit report each year and do not want to be required to sign up for unnecessary services to pay for a copy. I to date have been unable to get the free copy of my XXXX and Experian reports. Please advise on accessing reports as often as I choose without the monitoring service. Thank you. 
P.S. - I have a user ID and password for each bureau, which still does not allow me to pull a report without signing up for the monitoring service.

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 2023-10-24
Company: Experian Information Solutions Inc.
State: GA
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 am writing to report and dispute inaccurate information on my credit report, as provided by Experian. On XX/XX/XXXX, I contacted Experian about the following discrepancies in my credit report, and to date, they have not responded. I am seeking the necessary corrections as per my rights under the Fair Credit Reporting Act ( FCRA ). 
Below are the details of the inaccurate information and the corrections I am requesting : The account with XXXX XXXX XXXX  ( Account Number : XXXX, Date Opened XX/XX/XXXX, High Credit {$24.00} ) was never late. Please remove it from my credit report. 


The account with XXXX XXXX XXXX ( Account Number : XXXX, Date Opened XX/XX/XXXX, High Credit {$24.00} ) was never late. Please remove it from my credit report. 


The account with XXXX ( Date Opened : XX/XX/XXXX, Balance : {$5200.00} ) is reported incorrectly. I disagree with the Balance of {$5200.00}, as I remember the amount to be lower. I request the deletion of the Past Due amount, as this account is closed and charged-off. Please mark this account as disputed to prevent it from influencing my credit score. 


The account with XXXX XXXX Account Number : XXXX, Date Opened XX/XX/XXXX, Balance {$58.00} ) is not mine. Please remove it from my credit report. 


The account with XXXX ( Date Opened XXXX, Balance : {$1000.00} ) is reported inaccurately. I believe the Balance should be lower. The Past Due amount should not be reported, as this account is closed and charged-off. Please mark this account as disputed while I resolve my dispute with the creditor. I also request the verification of Date Opened, Date of Status, and First Reported. 


The account with XXXXXXXXXXXX XXXX ( Date Opened : XX/XX/XXXXXXXX  Balance : {$2600.00} ) is reported with an inaccurate Balance. I do not recall owing such a high amount. This account is closed and charged-off, so the Past Due amount should not be provided. Please mark this account as disputed to prevent further negative impact on my credit score. Additionally, I request verification of Date Opened, Date of Status, and First Reported.

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 2022-12-16
Company: Experian Information Solutions Inc.
State: FL
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 have attached an FTC report with an account and Inquiries I did not authorize and they are affecting me from getting approved for a home loan, please delete these 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
Consumer complaint received 2023-10-23
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have had the loan since XXXXXX/XX/XXXXXXXX, recently I tried to log into my Ally account to make a normal payment and received a message saying I couldn't make a payment and I had to call in for further assistance. 

I called in and essentially their system tried to take money out of my bank account multiple times as reprocess payments for a declined charge I set up, then their system tried so many times it flagged my account that I tried multiple times ( it was their reprocess system, not me I only tried a small number of times since XXXX ). 

They let me know since my payments were declined so many times I had to pay with guaranteed funds for the next 3 payments. The methods of guaranteed funds they accept are either unrealistic such as physically mailing them money for the payment in the form of a money order ( if that gets lost I loose {$1400.00}. No one in their right mind does this ). The other forms were XXXX XXXX or XXXX XXXX both of which had large fees due to the amount owed, around {$60.00}, for the next 3 payments is a little much to ask as a fee for an auto loan payment. Plus this is XXXX, going to a XXXX XXXX in person Vs. paying in an online portal out of my day from work and commitments at the house is ridiculous to ask. 

I just footed the first {$60.00} bill through XXXX XXXX ( one of the " Guaranteed '' forms of payment they accept.

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 2019-04-30
Company: CAINE & WEINER COMPANY, INC.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX from Caine & Weiner has contacted me via work email more than 20 times in the past 20 days in regards to a debt that is not associated with me or my company. My husband and I purchased assets only of a small business in XXXX of 2019. XXXX was notified that the company was under new ownership. The previous owner also notified XXXX that the debt had been settled years ago. Despite the fact that this debt does not belong to me or my company and we have asked that XXXX and Caine & Weiner stop contacting us about this debt, her emails persist.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: Experian Information Solutions Inc.
State: FL
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:
This account is fraudulent XXXX XXXX {$73.00}

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 2019-09-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax is incorrectly reporting me as an Authorized User on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX and XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: SC
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 have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2022-05-02
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
A collection account from XXXX XXXX XXXX is continually being reported on my credit report. Under section 15 USC 1681b it is illegal for the company to report any of my personal information to any agency without permissible purpose. 
I have never had any agreement with XXXX XXXX XXXX and do not owe them any debt. 

I have brought this up up with the credit bureaus numerous times and it seems my disputes are being disregarded so I am coming to you for assistance in this matter. 

I am requesting that the bureaus be instructed to cease in posting information to my credit report obtained by illegal means.

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 2023-06-01
Company: Experian Information Solutions Inc.
State: FL
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:
When I reviewed my credit report, I discovered that this account was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account needs to be investigated and deleted for erroneous reporting in my file. 

XXXX XXXXXXXX

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 2022-08-15
Company: EQUIFAX, INC.
State: MO
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:
This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


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Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
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: Credit inquiries on your report that you don't recognize

Complaint:
These hard inquiries are listed on my report illegally and without proper written consent or my knowledge : 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 2023-10-25
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX while in XXXX, XXXX, my family and I rode in a XXXX as a taxi ride. When we arrived, I was told that the fare was XXXX euros. The driver took my card, tapped it, and stated it didnt work. He showed me a failed screen and asked for another card. I did not have another one, and thus he argued with me but took cash from me and drove away quickly and angrily. I was not provided any receipt. I then logged into my Chase credit card account to see why it was declined. Thats when I saw a charge of {$3200.00}. I immediately called chase to alert them of the fraudulent charge and they did a chargeback. After about a month, they recharged me saying the merchant provided proof of the purchase. I re-disputed the claim to no avail because I do not have a receipt to prove I was incorrectly charged, as there is no way for me to get that receipt. A charge of {$3200.00} is extremely out of character based on my buying history while I was abroad, and they did not think it was suspicious for a {$3200.00} taxi ride and prevent it from going through. Chase bank is extremely dangerous to consumers if something happens to them and I strongly advise everyone to stay away from them at all costs. This is after having my card account hacked 3 times previously and then actually sending new cards out to unauthorized users.

Company response to consumer: Closed with monetary relief