BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-19
Company: Conduent Incorporated
State: WI
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
Hello, I work for a XXXX XXXX XXXX in Wisconsin. Several of our clients are reporting complaints to us regarding the debit card for child support. They are stating that when their card expires, they won't get a new one mailed to them. They also state that they have to prove their identity, such as email or fax a copy of their social security card, birth certificate, or drivers license ( id ). I have helped the clients do this and they still do not get a replacement card. Then they get put on hold for long periods of time and nobody answer their call. I tried to call the XXXX to help them, and even I can't speak to a human. The customer service is horrible and the clients get treated so badly. What are you doing to fix this?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: PNC Bank N.A.
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
XXXX PNC Bank has terrible reviews across the internet for good reason. And they have been ripping me off FOR MONTHS. 

I tried in good faith for THREE MONTHS to work in person to get my issues resolved, but their flippant responses and continuation of bad practices were impossible to deal with. THEY DO NOT CARE ABOUT THEIR CUSTOMERS AT ALL. 

This is what happens when you have ONE BAD ACTOR at the helm, who has named himself CEO, president and chairman of the board. 

Specifically, the terms of my loan are that I owe INTEREST ONLY, but if the interest only is less than a {$75.00} minimum monthly payment, I will have to pay {$75.00}. This was reiterated to me on the phone by someone named XXXX at around XXXX XXXX on XX/XX/22. 

The BALANCE of that {$75.00} minimum payment should have been APPLIED TO PRINCIPAL, but instead, PNC Bank stole the money. 

On XX/XX/XXXX, {$75.00} - {$11.00} actual interest owed per statement equals {$63.00} stolen from me. 

On XX/XX/XXXX, {$75.00} - {$28.00} actual interest owed per statement equals {$47.00} stolen from me. 

On XX/XX/XXXX, {$75.00} - {$49.00} actual interest owed per statement equals {$25.00} stolen from me. 

On XX/XX/XXXX, {$75.00} - {$57.00} actual interest owed per statement equals {$17.00} stolen from me. 

PNC Bank owes me {$150.00} PLUS INTEREST accrued using their usurious math - backdated to the dates when they originally stole my money. 

-- -- -- - Apparently my annual fee is assessed in XXXX each year. PNC statements are difficult to read, but I have reviewed them closely. They are attached. I have no quarrel with the annual fee. 

THIS ALL COULD HAVE BEEN HANDLED IN PERSON. 

Furthermore, I find it reprehensible that I can not make a principal  payment unless I do it on the 12th of the month, and in spite of making every effort to be a good customer and pay off my loan, they want to get their FEES FIRST no matter what. What a terrible, awful company. I miss BBVA so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Mercedes Benz Financial Services
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX my account was in default due to being 107 days past due. To my understanding from speaking verbally with a representative, I was advised that I could pay {$770.00} to get the vehicle out of default. Although I was not current I was advised that my account would be put on hold and that a 2 month extension would be applied and to make my next payment as soon as I can. I told the representative I wont be able to make full payments but I can make partial payments which she said was fine. Four days later, I received another default letter dated XX/XX/XXXX. 

As instructed I continue to make the partial payments in XXXX on XX/XX/XXXX {$230.00}, XX/XX/XXXX {$200.00} and XX/XX/XXXX {$300.00} totaling {$730.00}. On XX/XX/XXXX, my vehicle was repossessed. 

I have been trying to dispute and escalate this matter and no one has contacted me or followed up with me to this date. I have called and called because this repossession is in error. The way the payments has been allocated in error has caused this wrongful repossession to occur. I recently gained employment when this occurred and have almost lost my job as a United States XXXX XXXX. Ive lost income and my daughters first year in college has been stressful she is XXXX hours away and I have not had any means of transportation to be there emotionally, physically and financially since this has happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XXXX charged my credit card for XXXX. 
Discovery send code to verify purchase to my old phone number which I change XX/XX/2019. 
I sent Discovery Fraud my XXXX phone records to show them They response after their in gestation my phone my number and said if I get more proof send it to them. 
HOW MUCH MORE PROOF DO YOU NEED.Phone records are good enough Police case number District Attonery XX/XX/XXXXFTC case number

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-13
Company: EQUIFAX, INC.
State: AZ
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 am having trouble with XXXX  getting chapter XXXX bankruptcy information off my credit report even though it has been over 10 years since it was discharged. In my bankruptcy, I reaffirmed my mortgage with XXXX XXXX   XXXX and it was never discharged through bankruptcy. There is no bankruptcy in my public records portion of my credit reports but in the mortgage section it shows this information and I was recently denied credit because of it. Also, I am still paying on this loan and XXXX, Equifax, and XXXX  are not reporting all the on time payments I have made on this loan for years now. They all three show that I have no mortgage which is not true. I disputed this bankruptcy information being on my credit report for over ten years with XXXX  and it is still on my report. I need all three credit agency 's to show my years of on time mortgage payments and that I do have a mortgage and it was not discharged through bankruptcy. Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
Company: Experian Information Solutions Inc.
State: WI
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:
Experian is reporting a two open fraudulent accounts XXXX XXXX XXXX, XX/XX/XXXX/XX/XX/XXXXas past due and XXXX XXXX XXXX collection account on my credit report. I disputed this fraudulent account XX/XX/XXXX and XX/XX/XXXX. At this time it was with a different collector called XXXX XXXX XX/XX/XXXX. After disputing this fraudulent account with the XXXX XXXX XX/XX/XXXX, and them conducting their investigation the result was a deletion of the fraudulent account from my credit report. It appears they have however sold this fraudulent account to XXXX XXXX XXXX a new collection agency. Even with a different account number it seems Experian and/or system should recognize that the account has the same account details ( date opened, balance, credit limit etc ) as the fraud account that was previously deleted/blocked and should be rejected for re-insertion. 

Lastly, there is a fraudulent XXXX XXXX XXXX and XX/XX/XXXX/XX/XX/XXXXcredit card that is also reporting on my credit report. These accounts is not mines as it was established as a result of identity theft.I disputed these fraudulent accounts and the XXXX XXXX XXXX and XX/XX/XXXX/XX/XX/XXXXcredit card remained on my report however the XX/XX/XXXX/XX/XX/XXXXinquiries disputed as fraud were removed. How can Experian agree that a Inquiry is fraud but the account it is associated with is not??? That makes absolutely no sense. This is another case of Experian being negligent and This is a blatant violation of my consumer rights pursuant to the FCRA section 623. Reporting this fraudulent account has dropped my credit score and has caused much undue emotional distress. If this fraudulent collection account is not removed promptly, I will be exercising my rights to file a civil lawsuit pursuant to the FCRA for willful noncompliance and negligence!

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 2023-04-27
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2023 the collection company MERCANTILE ADJMNT BUR XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX ( XXXX ) XXXX send me to collection for a bill of {$480.00} from XXXX XXXX, account # XXXX that was not paid. I never lived at the address where this account was opened and I never open this account. I contacted them about this charge and they acknowledge that was not mine. I disputed this with all 3 Credit Companies all of them removed this from my credit file back in XX/XX/XXXX. But keep showing up on my XXXX Credit report. This been happening for the pass couple months and I'm getting tired about this charge. I will appreciate that MERCANTILE ADJMNT BUR stop reporting this to my credit report. If not I am going to start a legal action. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
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:
In accordance with the Fair Credit Reporting Act XXXX the following accounts have violated my rights. 

XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # 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 also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-01-25
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
this concerns wells fargo I appied for mortgage modification in XXXX Iwas told by bank that I had to be 90 days late to apply when I applied my mortgage was XXXX a month It was a extensive process I faxed them information 2 times a week After about 8 or 9 months they said my payment was about XXXX a month I told them it was too high and I could not afford it Lost our house in XXXX We are in our XXXX we thought we were going to spend the rest of our lives there

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 2022-10-14
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:
In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX XXXX ), ( DEPT OF EDXXXX XXXX XXXX, ( XXXX DEPT OF ED ) 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. 

Please delete the following accounts : ( XXXX XXXX XXXX XXXX ), ( DEPT OF EDXXXX XXXX XXXX, ( XXXX DEPT OF ED ).

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 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately. Thank you. 
Original Creditor : 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 XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022

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 2023-05-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check for {$24000.00} on XX/XX/XXXX through a Bank of America ATM located at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. The automated system said that a hold was placed on my funds due to the check being a large amount. When I call to speak with a customer service representative, I still get that message and it says funds will be released on tomorrow, XX/XX/XXXX, however, in my online statements and documents, a letter was uploaded by the bank saying that the deposit was not accepted because it was not properly endorsed. I have made personal financial decisions with the understanding that my funds will be available by tomorrow ( XX/XX/XXXX ), that will very adversely affect me if they are not. These include not being able to pay my XXXX mortgages. 

They attached only the front of the check and the letter was addressed to my husband and not me. The check was made out to me. THEY ADDRESSED THE LETTER TO MY HUSBAND ONLY! Now my check is not being returned and I am being told to contact my client who issued the check. I am very upset because I properly endorsed this check using my name -- XXXX XXXX -- and believe I am being discriminated against as a XXXX woman, because of the amount of the check and the branch where I deposited the check. This branch is very close to my home and I have been depositing checks this way for over 23 years at this branch. 

My husband and I share an account and they assumed it was his check and addressed the letter to him and not me. The fact that they are holding up this check will now result in both of my mortgages being late. They told me to wait for the letter in the mail, which can be 10 days and then come into the branch with my ID and sign and then it will be held for another 7 days. This is unfair. This branch is only open from XXXX, which also makes it very difficult to make it inside the bank. 

This is why I regularly deposit checks through the ATM. Now I do not trust that process at all. This is not the first time there has been a problem with me depositing large amounts of money at this branch. They highly scrutinize and hold the checks for longer than usual times, but this time they flat out rejected the deposit and never showed any proof that the check was improperly endorsed. Please, any assistance that you can provide is appreciated!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: Fidelity National Information Services, Inc. (FNIS)
State: NC
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:
ChexSystems decided to exempt themselves from the federal law and just refuses to give me my Chex system report in accordance with the federal law.

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 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-01-04
Company: Experian Information Solutions 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party The stuff on my credit report is wrong 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 explanation
Consumer complaint received 2023-04-16
Company: Velocity Portfolio Group
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Pursuant to 18 USC, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC1681 4

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 2016-12-07
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XX/XX/2016, XXXX of XXXX, NJ sold my mortgage to XXXX.. XX/XX/XXXX, I paid my mortgage payment to XXXX as instructed. XX/XX/XXXX, XXXX reported that our mortgage was 30 days delinquent for the XX/XX/XXXX payment which was paid to XXXX and posted on XX/XX/2016. Because of this, mine and my wifes ' FICO scores have dropped dramatically. We have never been delinquent. XXXX has not agreed to correct this despite our written complaints to them ( attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 a victim of identity theft. An identity thief has used my information without my permission to enter into a business agreement with a company being reported as XXXX XXXX on my credit. 

I have enclosed a copy of my FTC Identity Theft Report along with this submission. 

To eradicate this issue myself I have spoken with XXXX directly on XX/XX/XXXX reporting the identity theft claim requesting for the immediate removal. I have also sent them a dispute letter via certified mail which will also be enclosed. 

I am demanding the immediate removal of this account from all CRAs and confirmation to be sent once it has been completed.

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 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I noticed a few unauthorized inquiries on my report I do not recognize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And late payments when my account is never late XXXX  In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.

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 2022-11-15
Company: EQUIFAX, 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 XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX Section XXXX A. States I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crime which antedates the report by more than seven years. 

XXXX U.S.C XXXX ( A ) ( XXXX ) 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