BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-09
Company: PNC Bank N.A.
State: MN
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:
XX/XX/23 for {$170.00} this amount was taken out of my account twice instead of once and deducted from my checking twice but only applied to my credit card once. When I contacted the bank, they said I need to file a dispute. I filed a dispute explaining that double amount was taken out but not applied so Id wait her like it applied to my credit account or reimbursed to my checking. They declined the dispute saying I couldnt dispute it. They stole a double payment for me, told me to file a dispute, which I did and showed transactions which I attached as proof, and then denied any action could be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: Experian Information Solutions Inc.
State: OR
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:
Experian is incorrectly reporting a Chapter XXXX Bankruptcy and a Chapter XXXX Bankruptcy on my credit report. They are claiming the bankruptcies to be " updated/verified '' and therefore will not remove them. I have a letter from the United States Bankruptcy Court District of Oregon 's Chief Deputy Clerk, stating, " Ms. XXXX, The Bankruptcy Court does not report to the credit reporting agencies and has no control over the credit reporting agencies. '' ( see attached docs ) I have a security freeze and an opt-out/suppression in place with XXXX XXXX ( see attached docs ) which legally forbids them from reporting any of my information to all 3 Credit Bureau Reporting Agencies, and any other third party Agencies/Creditors. I also attached Security Freeze & Opt-out Suppression Documents from XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX ), & XXXX. Please instruct Experian to remove the Discharged Ch-XXXX Bankruptcy, ID # XXXX, Date Filed XX/XX/XXXX, Date Resolved XX/XX/XXXX ; Please instruct Experian to remove the Dismissed Ch XXXX Bankruptcy, ID # XXXX, Date Filed XX/XX/XXXX, Date Resolved XX/XX/XXXX ; as these items/information are inaccurate, unverifiable or unfair as per FCRA Section 611 ( a ) ( 1 ) ( A ). 
Thank you.

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 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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

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 2020-06-11
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have two issues : 1. Mortgage company has not provided a statement for 2 months. I have not received a required periodic statement for 2 billing cycles. The statements are also not available online.

2. Mortgage company does not apply payments timely, and I am concerned they are overcharging interest because of this. Almost every single payment I have made has been received timely by my mortgage company, but not promptly applied. My payments are put into 'unapplied funds ' or 'in suspension ' and not applied until weeks after they are received. This means extra interest is charged, because my principle payments are not applied upon receipt. It may not be much money per person, but it is still stealing, and it nay add up to a lot if they are stealing from many customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: SC
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 stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't 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 2023-08-17
Company: Bridgecrest Acceptance Corporation
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Late payment on my credit report supposed be remove due to privacy and consent. There's no law, stating that late payments should be reported under the privacy and consent.

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 2023-05-31
Company: Telsa Motors Inc
State: HI
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I acquired a solar photovoltaic loan from Tesla Finance. I paid off loan by wire transfer. It took months for them to credit my account and stated that they could not find the transferred funds. After over 30 calls and 10 emails they finally found the funds. During this time they were still trying to receive monthly payments from me. I cancelled monthly payments which probably negatively effected my credit score. When I paid off my loan I overpaid because I could not get in contact with anyone from the company to determine the correct payoff amount. They owe me an overpayment of {$2400.00} which I have not received. Tesla put a lien on my residence in exchange for the loan. I requested numerous times for lien release documentation and still have not received it. This company does not answer calls. If by chance I am able to talk to someone they are no help. I have tried resolving these issues by email and no action has been taken to reconcile my situation. My Tesla account even shows I have monthly payments due even though I paid Them {$45000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The dates on this report are incorrect on when it was last active. This account needs to be removed from my credit report. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debtt, nor therefore any such debt, in fact therefore exist

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 2023-05-31
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Experian is reporting inaccurate information on my credit report. As of XX/XX/2023 my total debt balance is reflected as {$44000.00}, when it should be reduced by {$8600.00} as XXXX XXXX  is no longer being reported on my credit report due to a court judgment that was ruled in my favor. I went to the XXXX XXXX XXXXXXXX XXXX State of Georgia on XX/XX/2023 and the judgment was entered in my favor stating that I do not owe XXXX XXXX  any money ( {$0.00}. Principal, {$0.00}. Interest, {$0.00} Attorney fees and {$0.00}. Court Costs ). I have contacted Experian on numerous occasions to have them correct my total debt balance and they have refused to do so, even though XXXX XXXX  is no longer reflected on my credit report. It is illegal for any credit bureaus to report inaccurate and fraudulent information.

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 2023-05-31
Company: Experian Information Solutions 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:
I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding unresolved items on my credit report. I have previously submitted disputes to the credit reporting agencies, as required by the Fair Credit Reporting Act ( FCRA ), but despite these efforts, the inaccurate information remains on my credit report. 
I have attached copies of the relevant documentation, including previous correspondence with the credit reporting agencies and any supporting evidence, to substantiate my claim. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Mercedes Benz Financial Services
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
In XX/XX/XXXX, my Mercedes, which was leased, was taken as a replacement, and in XX/XX/XXXX, I delivered my 2nd vehicle for financial reasons since I could not continue paying for the vehicles.

When I tried to reach an agreement with the company, it wanted to charge me an extra surplus of what the vehicles were worth and they were taken to auction where they were sold, and the remainder of both vehicles charged to my account. affecting my credit. 

I understand that if you cover the gap of the vehicle, it covers any type of coverage in the future, so you should not have any type of debt. 

There are XXXX lease accounts, one of which is for a value of {$3500.00} and the other for {$6900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
Trans Union has not addressed or resolved my issue and was simply " Brushed Off " I have had a credit score of over XXXX for at least 20 years and this is constant. Nothing new in my financial life is changed. Never paid interest on credit cards because I pay them off every XXXX weeks. My savings is over XXXX in XXXX. I have outstanding credit worthiness and available credit to me is over XXXX. XXXX decreased my score by XXXX points and when I talked with a Customer service repXXXX he could not tell me why. Nothing in my report is adverse so now I have this change from Excellent to Very Good for no apparent reason. I will be applying for a small home loan in the future and this will affect my interest rate negatively..

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 2023-05-31
Company: Block, Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I deposited XXXX $ at a XXXX XXXX  and the atm gave me a receipt that reads deposit error and it could not retrieve my funds and gave a number to call when i called the number on the card they told me they could not help me because i was not a customer there and did not have their card so I contacted cash app the entity that provided me the card and they also said they could not help me because the deposit actually never happened and didnt get to my cash app so basically Ive been going back and forth to the XXXX XXXX  branch where i made the deposit and they finally decided that they couldnt help me or retrieve my funds even tho i have the receipt and its been about 8 days since it happend and neither is XXXX XXXX  doing anything to help me nor cash app i have already explained the problem to both of them several times and neither of the branches seem to know what is going on

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Experian Information Solutions Inc.
State: AZ
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 disputed this account and submitted complaints over and over again for how many months already but Experian Credit Bureau is not frightened to break Federal law thus they took to be slothful and abandoned my appeals. The account is not removed from my report.Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please remove the account from my file ASAP : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX XX/XX/XXXX Capital One XXXX CAPITAL ONE XXXX XXXX, VA XXXX ( XXXX ) XXXX Re : Notice to cease contact from identity theft victim Dear Sir or Madam : I saw you reported a debt to my credit report and learned you are attempting to collect a {$350.00} debt from me. The ACCOUNT number associated with this is XXXX date of INCIDENT XX/XX/XXXX. 

I am an identity theft victim, and the debt you are trying to collect is the result of fraudulent usage of my personal information without my consent. 
Please cease contact with me or anyone else about this debt, with the exception of a creditor or consumer reporting agency to restore my good standing. Please remove all identifiers of your company from my credit report as I never opened an account with your company. 

Below is a list of the documents I have enclosed to prove I am the victim of fraud : *Police report or * FTC affidavit of identity theft statement Under law, you may only contact me once more to acknowledge that you have received this request. Under the Fair Debt Collection Practices Act, I have the right to view copies of applications of other proofs of this debt your agency possesses. Please forward copies of these documents to me at the above address. 
I expect to receive your confirmation that you have received this notice by XX/XX/XXXX three weeks from now. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-11
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: Investigation took more than 30 days

Complaint:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in onXX/XX/2020 and never heard anything back. So I sent a 30 day comply on XXXX and I've yet to get any feedback on my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I received an inquiry alert on my credit dating to XX/XX/2021. I was notified through an email sent to me on XX/XX/2021 from my credit card company XXXX. It appears that someone has used my identity to request a loan or credit. The company submitting the credit inquiry is : United States XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX I have not requested a loan from this company and have not had any dealings with them at all.

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 2023-05-31
Company: Experian Information Solutions 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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion 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 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 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