BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-08
Company: PNC Bank N.A.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have an auto loan from PNC BANK, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called PNC BANK and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and PNC BANK with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in XXXX of XXXX. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: Experian Information Solutions 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:
Hello, you're currently violating my rights under the law. The IRS describes a charge off as gross or ordinary income and you're currently reporting charge off 's on my credit. Now tell me are all this accounts reporting as debt? This is not accurate of fair information that you're reporting on my credit. Here 's one violation, 15 USC 1681 talks about accuracy and fairness of reporting. Second violation, 15 USC 6801 protects my information of non public personal information and also violation of 15 USC 6802 obligation to respect of disclosure and all this company 's did not provide me this information. They also, never never sent me a 1099 cancellation of debt form. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You have violated me. I need this charge off be deleted. I demand that this charge off be deleted from my credit.

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 2023-09-15
Company: EQUIFAX, INC.
State: NV
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-29
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX XXXX XXXX I received a call from a XXXX XXXX identified herself as an employee from Chase fraud department verified my account number and said she was closing my account and issuing a new card. 
XXXX I received an email saying apple card added to my account. 
XXXX XXXX game stop charge appeared. 
XXXX XXXX  notification came on my phone charge on target fraud. 
XXXX charge at XXXX XXXX XXXX XXXX saw fraud report with game stop charge on there, I called chase and they gave me XXXX in my account. 
XXXX saw temporary credit XX/XX/16 took back credit. 

I went to XXXX police department filed a report, A detective went into XXXX stop and got surveillance tape saw it was not me. 
detective called chase explained all that also offered them surveillance tape they said no case closed. 
They are claiming the call from XXXX XXXX was a fraud phone call, like i was suppose to know that with all the people working fvrom home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-03
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/2021, I applied online and was approved for Barclays ' XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX I applied for the card because I found their sign-on advertisement attractive, I would get 50,000 Miles & More miles after spending $ 3k the first 90 days and paying the annual fee. Although I fulfilled both these requirements, I did not get the bonus miles. I contacted Barclays ' customer support on XX/XX/XXXX to inquire about the status of the reward. The customer support team was able to confirm I completed all the requirements and it should take a couple of days to see the miles. I wrote to their support on XX/XX/XXXX as well and received an answer they will investigate. I received a reference ID : XXXX. I wrote to them again on XX/XX/XXXX since nothing was changed. I heard back the same answer again, that it will be investigated. I had already wanted to use the miles at this point. I reached out another time on XX/XX/XXXX and heard back the same, automated answer. Today on XX/XX/XXXX, I called again and was told by customer service representative XXXX, again, that I completed my requirements and I should get the miles. She asked me to wait another 7 to 10 days. 

Their terms of service state : " Please allow 4-6 weeks for bonus award miles to be deposited into your Miles & More account after the qualifying purchase ( s ) have posted to your Account and your annual fee has been paid in full. '' I've been waiting since fulfilling my commitments in XXXX. How long must I wait for Barclays to fulfill their promise? I've already wanted to use the miles, which I could not do, not because of any fault from my end. At this point, I feel defrauded. This was a false advertisement. I made sure to spend $ 3k in the time so I can earn the miles and benefit from them. I would have made purchases with my other cards otherwise and enjoy their benefits. 

Violating their own terms of service should be illegal. I hope you may be able to assist.

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 2023-12-12
Company: The CMI Group, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am writing to file a formal complaint against Credit Management LP regarding their handling of an account listed on my credit report. The account in question pertains to an alleged debt from XXXX XXXX, which was sold to Credit Management LP and is currently reported as a collection account with the account number XXXX. 

Upon reviewing my credit report dated [ Date of Report ], I discovered this account listed as a collection with a balance of {$400.00}. However, there are multiple factual discrepancies and potential violations associated with this entry : Lack of Verification : Credit Management LP has not provided adequate verification or validation of this debt despite my requests for proof of the alleged obligation. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive verification of the debt within 30 days of my request. To date, no such validation has been provided. 

Reporting Inaccuracies : The reported date of last activity and status updates on the account are erroneous. The status indicates a past due amount of {$400.00} as of XX/XX/2023, which is inaccurate and misleading. There has been no recent activity or any attempt to contact me regarding this debt. 

Lack of Notification : I have not received any formal communication or notice from Credit Management LP regarding the assignment or existence of this alleged debt before it appeared on my credit report. This lack of communication violates the FDCPA 's requirements for debt validation and consumer notification. 

Failure to Comply with Reporting Guidelines : The reported account inaccuracies and lack of verification have negatively impacted my credit profile. This has affected my ability to secure credit or loans, and it is damaging my creditworthiness without lawful basis. 

I respectfully request that the Consumer Financial Protection Bureau investigate these violations by Credit Management LP and take appropriate actions to rectify these discrepancies. I seek the removal or correction of this account from my credit report and an assurance that Credit Management LP adheres to all consumer protection laws and reporting guidelines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am trying to pay off my mortgage for my primary residence. The bank, Fifth Third Bank is unable to provide me with a payoff amount. I have 4 payoff statements from them with 4 different amounts. Additionally, they have added {$2100.00} in late fees, but they can not provide documentation on these fees other than to say they came from the previous mortgage holder when they purchased the loan previously. 

On XX/XX/23 I met with the bank in person after numerous phone calls and chat sessions. At the bank I was told my balance was {$900.00}. I paid that amount in the bank and have a receipt for the same. Sone then I have received approximately 15 letters from the bank with different charges, payoff amounts, and now I am informed that my account is delinquent and I am in danger of foreclosure and that I must pay the amount in full. The problem is, the bank can not tell me how much to pay them. The local branch, not the corporate office can not give me a final answer. I am afraid of losing my home. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-11
Company: SANTANDER HOLDINGS USA, INC.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Santander ConsumerXXXX is showing on my credit report after it was paid and closed. It should not be on my report any more. I'm receiving calls and emails about a account that has been paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2023-07-28
Company: The CBE Group, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Hello This company name CBE Group keep calling me several times a day without leaving any voicemail messages. I called the company to ask why are they calling me. The Agent refuses to tell me why they are calling me or what for. I feel i'm being harassed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-01
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Bank transfer loan with required financial arrears to help with modification. 
Received modification after 3 years. 
The modification went from 30 to 40 years. 
XXXX XXXX modification required {$65000.00} non-interest forbearance. 
Our account is listed with a debt collector. 
Since XXXX, all payments are made on-time and monthly amount. 
These payments are not reflected in our credit score. 
This loan was included in our Chapter XXXX filing ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: TRANSWORLD SYSTEMS INC
State: TX
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:
I am currently rewriting my complaint with TRANSWORLD SYSTEM INC concerning inaccuracies in the information on my account. Despite sending a letter requesting an investigation into the mentioned account, the process took over 30 days to complete. TRANSWORLD SYSTEM INC claims to have finished the investigation, but upon reviewing my recent report, I observed no changes. They assert that the information is verified, but discrepancies in the date of last activity, date opened, date of last report, payment history, and status suggest otherwise. This situation seems unjust. I am aware of my rights under 15 U.S.C 1681 section 602 A, which guarantees my right to privacy, and 15 U.S.C 1681 section 604 A Section 2, stipulating that a consumer reporting agency can not furnish an account without my written instructions. I have attached my FTC with the report number XXXX for this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: EQUIFAX, INC.
State: LA
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:
XXXX XXXX has furnished a charge off account to my consumer report to the consumer reporting agencies in which in turn have directly affected my financial reputation. This company has failed to abide by the Gramm-Leach Bliley Act of 1999 ( GLBA ). I DO NOT AND DID NOT CONSENT to the furnishing of this information. I am aware that I have the right to privacy of my non public personal information in accordance with 15 USC 6802 and I am exercising that right and demanding that the furnishing of this information be removed from my consumer report and not be reported by XXXX  XXXX to neither CRAS ( XXXX, Equifax, XXXX ). 

XXXX  XXXX did not disclose to me my right to opt out of disclosure of my non public information. I was not given the opportunity to opt out out of the disclosure of my non public personal information and I was not given any directions on how to exercise my right to opt out of said disclosure in accordance with 15 USC 6802 ( b ) ( a ) ( A ) ( B ) ( C ) for failure to comply with these requirements. XXXX XXXX is in violation of 15 USC 6802 ( b ) ( a ) ( A ) ( B ) ( C ) for failure to comply with these requirements.

I ask of this company This notice is a CEASE AND DESIST of all illegal activities, including reporting which constitutes collection activities. Im this complaint I am exercising my right to prevent the processing of my personal data by XXXX XXXX for the account opened XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
check made out to a company in XXXX XXXX IL. on XX/XX/2022 Check was stolen out of customers mailbox. Check made out for {$30000.00}. Check was cashed in XXXX XXXX on XXXX XXXX. Made a police report contacted my bank and the bank in Mississippi and I am told that the check was cashed legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$290.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$150.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$400.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$740.00} 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 2023-09-12
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have filed multiple disputes. creit bureaus refuse to complay with the disputes and remove fraudulent and unauthorized inquiries causing negative information on my file and lowring my credit score

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Genesis FS Card Services, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
After reviewing my account I noticed that my statement for XX/XX/XXXX was not on the website. The website clearly states that it maintains 13 months of statement on the site. I contacted them in early XX/XX/XXXX for them to add this statement. I was told by customer service this would happen, however as to date, XX/XX/XXXX still does not appear on my account. 

My second issue is, I took out a {$100.00} cash advance in XX/XX/XXXX. They were continuing to charge me a cash advance fee until XX/XX/XXXX. When I informed them of the issue, I was told that they would only reimburse the current and previous ' month 's fees. I do not believe that to be accurate and I want my account adjusted for the fee.

Company response to consumer: Closed with explanation