BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-24
Company: PNC Bank N.A.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This is to address my complaint that i file with my bank PNC Bank @ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX # XXXX ) I File a Dispute with my banks Dispute Department on the following Date XX/XX/2023. The Bank in turn issue a Provisional credit to my checking account for the amount of {$180.00}. 

I provided supporting documents/evidence in the form of the following : itemized statement/receipt showing the payment was made to the merchant, The XXXX XXXX XXXX XXXX thru other means. The amount of the payment was as follows : a partial payment of {$120.00} that was listed on the itemized statement/receipt that i provide from XXXX XXXX XXXX and a partial payment of {$59.00} using my pnc bank issue PNC Bank Debit Card , that would bring the total amount of the readmittance to {$180.00}. For the payment due the XXXXXXXX XXXX XXXX XXXXXXXX for the month of XXXX, to the said amount. 

I also provided all of my evidence to both the Email and Fax number that the bank provided which is as follows : Email = XXXX, and the Fax number = ( XXXX ) XXXX. This information Proof of Evidence was provided by me to my bank not once, twice, but three times on different occasions. 

Finally On XX/XX/2023 i receive a letter from PNC Bank Basicity stating that they had completed there investigation into the matter and they needed a itemized statement/receipt for which i had already provided three times previously. 

So in Essen that they would be reversing the temporary Provisional credit on XXXX that the Dispute department had issue to my checking account of {$180.00} on XX/XX/2023 when i first file the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Valor Intelligent Processing, LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I closed and account with XXXX XXXX when I moved to a new address in 2021. I made sure that the contract was completed, i talked to the company over the phone and made arrangements to return their equipment. I specifically asked and made sure that no money was owed. Approximately 6 months afterward I get a call from a collection agency and I told them the situation. The account went to collections and it has negatively affected my credit. I tried applying for a loan at my bank and was denied because of the collection. The amount I owe is {$100.00} which I could easily pay but I have refused because I don't feel it's fair to have to pay for something I know I do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chase Bank. Made a deposit at a teller in a large amount. I was advised by the teller there would be a 2 day hold on the check written by my company. My company deposits payroll in my bank each week, 52 weeks per year, so the company and the bank have experience with one another. After 3 days I go to confirm my funds are available and I see they changed the availability. The deposit was made on XX/XX/2023. The bank then changes the date of my deposit suggesting it was XX/XX/2023 and makes the funds available on XX/XX/2023. No notice was provided to me. I only discovered it when I was trying to confirm my funds were available on the date the teller told me. The only amount available to me was a mere {$250.00} of the {$16000.00} deposited.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: EQUIFAX, INC.
State: CA
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'M HAVING PROBLEMS WITH ACCOUNTS REPORTING ON MY CONSUMER FILE THAT ARE CAUSING ME TO NOT BE ABLE TO PURCHASE A NEW HOME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Alorica Inc.
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I originally had a loan with XXXX and they sold it in XXXX to Systems & Services Technologies address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I paid off my remaining loan balance on XX/XX/XXXX and I should have access to my {$1600.00} that is sitting in a savings account with their affiliate XXXX XXXX XXXX but I don't have my money yet. It should not take over 7 business days to transfer money electronically. I've done this countless times with other lenders and have had my money in 72 hours or less. It's XX/XX/XXXX and still nothing from these crooks. I need my money ASAP. When I paid off my loan, I did as they instructed and called with my routing information for electronic transfer and still to this day I haven't seen a statement or letter to say they have sent my money, matter of fact it's still showing my savings account as locked even though it didn't take them but 48 hours to if that to post my final payment, Ths is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: DISCOVER BANK
State: IN
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 am a XXXX  and for a long time I used my Discover student credit card because it provided good benefits. Over the summer of 2022, I traveled abroad and let Discover know that this was the case. I got stuck there with covid and forgot to extend the travel dates with discover, as a result of this, my account got flagged for fraudulent activity, and the only way to fix it was to fill out the physical form that they sent to the United States. For whatever reason, I submitted the form and they still couldn't verify that it wasn't fraudulent so they went ahead and closed my account resulting in not only a huge drop in my credit score because of a closed account but also I get automatically declined whenever I try to apply for the card again. This is extremely annoying because I've called, they cant help, and there was never any fraudulent activity in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2023 I received text message that I opened 2 Cpital One / BASS PRO accounts. Then I received XXXX credit alert that Capital One did a hard pull of my credit report. It is someone else steals my identity and opened the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24
Company: Orion Portfolio Services, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They are using a third party collection company to try to make me pay a debt I have no knowledge of and is not on my credit report. I never had any type of credit thru XXXX XXXX XXXX XXXX so there is no way for me to owe any balance. But I received an email requesting payment from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: EQUIFAX, 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 notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: TekCollect Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A newly opened veterinary hospitaXXXX XXXX my Emotional Support Animal ( ESA ) - an XXXX XXXX XXXX- through their incompetent medical care. To add insult to injury, the animal hospital, XXXX XXXX XXXX told me I owed them around {$1800.00}! Link below : XXXX XXXX XXXX  When I say " newly opened '', I'm referring to the recent acquisition of this animal hospital by a new national consolidator of animal healthcare, XXXX XXXX XXXX : Link below : XXXX XXXX XXXX When XXXX XXXX XXXX was acquired by XXXX XXXX XXXX, most of their excellent highly-skilled veterinarians and technicians left XXXX XXXX XXXX. What was left was an entirely new practice with new veterinarians who were XXXX XXXX XXXX employees. Their new " medical director '' needlessly XXXX  my Emotional Support Animal of over 11 years. Since I'm currently dealing with XXXX XXXX  and all that goes with treating my XXXX, I needed my ESA more than ever. I am XXXX  years of age. 

The new practice manager at XXXX XXXX XXXX, a XXXX XXXX XXXX employee, called me and told me I owed them {$1700.00}. I informed her that I would not pay them for XXXX my dog. She informed me she would escalate the matter to the appropriate management at XXXX XXXX XXXX. 

I heard nothing from XXXX XXXX XXXX or XXXX XXXX XXXX apart from the phone call referenced above in late XXXX of XXXX. I use a credit monitoring service, XXXX XXXX, that notifies me if any negative information shows up on my credit reports. 
On XX/XX/XXXX, I was notified by XXXX XXXX that the alleged debt in question was reported to the credit bureaus by a company called TEK-Collect, Link below : http : //www.tekcollect.com/Frontend/Content/Home The result of this reporting lowered my good credit score by around 70 points! Since battling XXXX is expensive, the last thing I need is for my credit to be damaged. In addition, the last thing I needed was some huge new corporate pet medical provider, XXXX XXXX XXXX to XXXX  my Emotional Support Animal through the incompetence of their new alleged medical providers. 

In summary : I do not believe this debt is fair in any way. Also, other than the phone call mentioned above I received in late XXXX of XXXX, I received no notice that the alleged debt would be turned over to TEK-Collect or any notice that the alleged debt would be reported to the credit bureaus. 

The resolution I seek. This is an invalid debt that was improperly reported to the credit bureaus. It should be expunged from my credit bureau records. I do not believe I should pay a new profit-over-pet vet care startup, XXXX XXXX  XXXX XXXX for killing my Emotional Support Animal when I need him the most while fighting XXXX. 

Thank you for considering this information. Please contact me if I may provide any additional information. 
Best regards, XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Persolve, LLC - Legal - Series 2
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:
Ive disputed this debt numerous times trying to verify an original contract and balance information. I have never received validation or information on original balance. There has not been a note or memo on collections to reflect my dispute. Lastly this company every month puts an inquiry on my report and updates the balance every 30 days. This company is harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Experian Information Solutions Inc.
State: CA
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:
Ive tried several times disputing an account with Experian, a Bankruptcy that is being reported incorrectly. Lastly disputed this account in XXXX per Experians notification this account was verified via a third party vendor XXXX. Please see attached letter from XXXX, there is no bankruptcy being reported please delete and removed this information from my credit report as it is an incorrect representation of me. Experian continues to disregard any reinvestigation into this dispute they automatically send the same letter stating verified when clearly the third party is not verifying anything as they have nothing on their end. 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 2023-03-24
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
i am submitting these documents as requested by your company i am letting you know that my rights have been violated multiple times by your company and you have broken numerous laws - 15 USC 1681 SECTION 602 A STATES I HAVE THE REIGHT TO PRIVACY -15USC1681 SECTION 604 A 2 STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH OR REPORT ANY INFORMATION TO ANYONE OR COMPANY WITHOUT MY WRITTEN CONSENT OR INSTRUCTIONS-OR IF THE INFORMATION IS INNACURATE AND YOU HAVE NOT PROVIDED ANY WRITTEN INFORMATION SHOWING ANY OF THIS THE ACCOUNTS LISTED BELOW DELETE THEM FROM MY REPORT IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ALL INQUIRIES THEY ARE UNAUTHORIZED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I have several credit cards with Comenity Bank and the balances on all of them are at a {$0.00} balance except my XXXX account which I am currently having another issue with and filed a complaint with the Attorney General. I have not given Comenity Bank permission to check or view my credit since I opened the accounts. I just received a letter saying they decreased the amount of credit available on my Victoria Secret card because of new inquires or a change in my credit. I have been working very hard and have paid down the balances on those cards because I am currently out of work on XXXX XXXX XXXXXXXX and I didnt want to carry balances. This is unfair and damaging to my credit since there was no balance they should not have accessed my credit report and now my credit score has dropped. This needs to be corrected I never gave them permission to check my credit as they want to and my credit was doing fine before they decided to go and do this. I have read from other members in my XXXX group that once they do this to one they do it to all your accounts. I am a single mother working very hard to build my credit and it is devastating that this is allowed to happen especially when they didnt ask to access my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-24
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
i am submitting these documents as requested by your company i am letting you know that my rights have been violated multiple times by your company and you have broken numerous laws - 15 USC 1681 SECTION 602 A STATES I HAVE THE REIGHT TO PRIVACY -15USC1681 SECTION 604 A 2 STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH OR REPORT ANY INFORMATION TO ANYONE OR COMPANY WITHOUT MY WRITTEN CONSENT OR INSTRUCTIONS-OR IF THE INFORMATION IS INNACURATE AND YOU HAVE NOT PROVIDED ANY WRITTEN INFORMATION SHOWING ANY OF THIS THE ACCOUNTS LISTED BELOW DELETE THEM FROM MY REPORT IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL INQUIRIES THEY ARE UNAUTHORIZED

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 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
these items that are being reported on my credit report do not belong to me i have already submitted a police report because i believe i am a victim of identinty theft these listed items are affecting me negatively and making my day to day life hard and moving forward in my life impossible

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 2023-03-24
Company: American Credit Acceptance, LLC
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX, I called American Credit Acceptance again to ask to look over and send copies of any repossessions, balances they stated on all 3 major credit reports. I also contracted for 72 terms but ACC has inaccurately stated 80 terms on reports. Inaccurate balances, some payments not noted when compared to bank statements, interest rate is more than agrees upon because the principal in interest is being left off or not applied when it should have. This company has ballooned interest payments and trying to make me pay another {$9500.00}. XXXX for a cash payment of a XXXX vehicle, in which I have already ready American Credit Acceptance over {$33.00}, XXXX as of XXXX, XXXX. My loan for a XXXX XXXX XXXX vehicle has been charged more than 16 % interest rates on this loan. American Credit Acceptance has caused violations for damages and violations that allow rescission. American Credit Acceptance violations are the improper disclosure of the amount financed, finance charge, payment schedule, total of payments, annual percentage rate, and security interest disclosures, changed the terms after contracted, American Credit Acceptance mangers also gave different names to keep me from documenting their names, after, I stated I was documenting phone calls. There are so many inaccuracies and fraudulent activity with this loan. I am tired of it and demanding Restitution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: EQUIFAX, INC.
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:
hello I XXXX XXXX is not a third party is depressed because XXXX and XXXX did not fix an error on my credit report and its causing not to get hired and its causing financial crisis in my household I can not get hired because my credit score has dropped because I am a victim of identity theft I have sent XXXX and XXXX my ftc report over 67over and over I have called over the phone with them as well and they claim they didn't receive it which is a lie because I overnighted it and required a signature and they rep singed off on it acknowledging they received I am not receiving any help from them over the phone this has caused me server depressed because this is causing damaging to the character of my name please please help me I've been thinking bout XXXX because of these issue with XXXX and XXXX because they are not helping me they even hung up on me and refused to transfer me to a supervisor I am sad and depressed because they claim they are here to help am I have still not have help in removing these fraudulent items I can't even take care of my two kids I am now homeleness because of the damages you guys have caused to my name and household. please help m, e pleasseeeeeeee its been over 198 days still no response from them and they still have not deleted these items off my report hello help me XXXX is ignoring me and XXXX its been 5 months nothing done still

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: EQUIFAX, INC.
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:
I'm so stressed and so disappointed that this is happening to me and my credit report, Not only this is so embarrassing but also prevents me to have a beautiful life for my family and me. It is evident that this is a mistake on your part or the company 's fault in reporting this inaccurate information. Remove the late payment remarks and update to current or paid as agreed.

Company response to consumer: Closed with explanation