BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I would like to cancel/remove the consumer statement alert appearing on my consumer credit report and my credit report as it is hindering my application for 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 2023-10-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
Bank of America sent a prepaid XXXX card describing a refund from XXXX XXXX XXXX. There was no information about how much was on the card and there was a number to call to get a check issued instead. When i checked the card online, it said it was closed. When I called the phone number to get a check issued, I have been transferred all over and now i am being told that their systems are down? 

These cards are a total scam and should be stopped. The fees to even check the balance are listed. 

Bank of America should be stopped from issuing these.

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 monetary relief
Consumer complaint received 2020-02-06
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This was three wage garnishment on XX/XX/XXXX, the final garnishment payment was sent out via my HR department which should if over paid the garnshiment. 

Between XX/XX/XXXX and XXXX the remaining balance was about XXXX dollars. 

E-Mail from HR to Midland : Hi XXXX, I am attaching the latest letter from Midland Credit per your request. On XX/XX/20 at XXXX XXXX  I spoke to XXXX from Midland and she stated your balance was {$33.00} and I informed her that we had your payments being generated from XXXX  automatically. The payment was for {$210.00} and the employee would have to be credited the difference of {$180.00} and she stated not a problem, they would be responsible for the overage being sent to you. 



Thank you and so happy that this is over for you and your family. 

Have a blessed weekend. 

XX/XX/XXXX the balance doubled to XXXX. And change then XXXX. 

HR stopped garnshiment after over payment,. HR notified me on XX/XX/XXXX that they received a continuance and my payment yesterday doesn't show up and neither does the garnshiment from XX/XX/XXXX which it hasn't show up at all in this two weeks. 

I spoke with a XXXX at around XXXX XXXX  AZ time after I submitted the payment of XXXX dollars. She stated that over payment will be refunded. And she submitted the paperwork to go to legal team to stop the garnshiment. 

This is getting ridiculous two times already balance should if been brought to XXXX and they keep tacking on fees and payments I have Ave had submitted no longer show up. 

This morning I log in and balance is over XXXX dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Despite the fact that XXXX XXXX XXXX notified all 3 credit bureaus to remove an account from my report on XX/XX/2019, and I continue to fax copies of the letter from this collection agency confirming this, Equifax continues to list this derragatory information on my credit report and have cause me to get denied for a loan. Equifax also continues to list a hard inquiry from XXXX after being informed by XXXX to remove this inquiry on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This a formal complaint that there is inaccurate and incomplete credit information. I am distressed that that the information included in my credit report profile, and have failed to maintain reasonable procedures the operations to assure, maximum possible accuracy in the credit reports that are published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore needs to be re-investigated. I respectfully request to provide proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from my credit report as soon as possible : AgencyXXXX XXXX XXXXXXXX The item listed is entirely inaccurate and incomplete, and as such represents a very serious error in the reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last 6 months or the last two years for employment purposes. FCRA 15 USC 1681

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 2018-02-28
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My client recently completed her CH XXXX BK and was granted from the courts to proceed with refinancing her property. The existing payoff was held with PNC Mortgage and they took over 75 days to provide the payoff demand in order for the new escrow company to fund and record. As the lender, we had everything ready to be completed in 20 days knowing we had a 45 day lock period incase there were delays. From day 20 up to day 75 or 76 we could not receive the pay off demand costing our branch over {$1500.00} in extended lock charges. Not only do I have email records from myself and the escrow officer trying to get the information form PNC but I have an entire conversation timed and written down with names and discussions about how their process works in order to speak with a supervisor or a manager. It's impossible and they will not allow you to talk to anyone directly, you have to speak with a representative who then types the message while you wait on hold for the response. Because I was insistent on staying on the phone from XXXX XXXX they lied to me about the release and once I called back to confirm, nobody knew what I was talking about and couldn't release the information to me without filling out and authorization form. The authorization form I was told can take up to 5-10 business days to be accepted. Escrow was told at least twice that the pay off demand would arrive in 5-10 business days as well.Each time you call and ask for the pay off department you are sent to a recording and automatically hung up on. The entire process was a total nightmare and because of my escrow officer bending over backwards each day for over a month and a half, somehow it was finally provided. I want to know how a company can get away with that type of system, costing other lenders money, taking time away form other people 's jobs, and not have consequences for their actions and lack of care for the client. If my branch manager didn't choose to take the hit, my client would have never closed her loan, her mortgage payment would not be reduced, and she would have been out for the additional costs that were accrued for doing the loan. PNC should be put out of business for how they conduct themselves with no regard for others. Our branch suffered, escrow suffered, and the client suffered in worrisome.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: Santander Consumer USA Holdings Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I am a victim of Sanatander and there predatory lending and illegal tactics to sell cars. I bought my wife a car from a dealer in XXXX. Me not knowing much about the car buying process and finances I feel Sanatander saw that as a weakness and exploited it. We bought a XXXX XXXX XXXX and the payment was {$440.00} a month. At this time I only made around {$15.00} an hour working XXXX to XXXX hours a week. Santander set me up for failure knowing it would be difficult for me to pay for that car. In XXXX I lost my job and couldnt pay for and it was repo. At this time i still owe around XXXX on it. I am still dealing with the effects to my credit from that car and dealings with Santander. I read they have a class action lawsuit for predetory lending and discriminating against XXXX XXXX  and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-24
Company: Nelnet, Inc.
State: FL
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 not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Upon checking my credit report I noticed there is a collection from southwest credit systems thatsi have no knowledge of. The date is listed as XX/XX/. The amount is for {$1800.00}. They have put it on my credit report and when called I was told it was for a XXXX  cell phone account, and Ive never had a contact with that company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2019 - I negotiated with Portfolio Recovery Associate - XXXX XXXX a fair and reasonable agreed upon lump sum of {$500.00} to settle in full a {$690.00} debt that Portfolio Recovery Associates, LLC ( PRA ) claimed I owe. This lump sum payment of {$500.00} was in exchange for PRA to settle my account in full for less than the full balance of the debt PRA owns and to request the credit report agencies to delete PRA from my account with credit bureau report.

The settlement agreement between PRA - Ms. XXXX and I on XX/XX/XXXX with confirmation number XXXX was documented, accepted and paid in accordance with our agreement. On XX/XX/XXXX - I received and email from PRA stating that Customer Care Representative that I chatted with can not assist with payments or negotiations. The law states - It is illegal for collection agencies to lie, make false promises and negotiate in bad faith to trick consumers into paying an agreed upon lump sum by falsely claiming to settle a debt in full and it is required by law after accepting less than the balance owed as payment in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
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:
After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, therefore these accounts must be removed asap, they also violated my rights under -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 explanation
Consumer complaint received 2022-07-06
Company: CREDIT CONCEPTS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Paid of my car last year and it continues to show on my report as active no missed payments. 

wages where garnished and payed off 2 years ago account is also showing up when credit is being pulled. 


XXXX XXXX account was settled and it continues to show on my report '

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: Experian Information Solutions Inc.
State: MI
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 contacted all three credit bureaus such as Experian, XXXX, and XXXX XXXX in XXXX and XX/XX/XXXX regarding the account with XXXX XXXX XXXX was opened fraudulent. XXXX XXXX is reporting it with the collection agency XXXX XXXX XXXX, XXXX. I also sent a letter to the creditor and the collection agency explaining the situation with supporting documentation. Credit Bureaus are still reporting the accounts and the creditor still say the accounts belong to me. XXXX  XXXX XXXX ( XXXX ) XXXX {$1100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: WELLS FARGO & COMPANY
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:
On XX/XX/XXXX, my credit was ran without my permission. I had been lied to and deceived by XXXX XXXX XXXX XXXX XXXX, who had already previously ran my credit on XX/XX/XXXX. There was no need or permission given to XXXX to run my credit check a second time. As a result of XXXX 's violated action against me, my account received multiple hard credit inquiries from various auto lenders, which stay on your credit for 2 years, not to mention a reduction in credit score. I have attempted to contact XXXX, lenders, and credit bureaus, but I have only gotten the runarounds between these entities, with no resolution in sight. I was even told to file a police report from one credit bureau against these lenders if they were not willing to cooperate with me and help me remove unauthorized inquiries from my credit. I have not filed a report and hope that my complaint here will be resolved successfully, without any need to file a police report against these lenders- especially since XXXX was the one in charge and at fault in allowing this to happen. What's so disheartening is that after I was lied to by a XXXX rep and he ran my credit against my knowledge and permission, I was told by his boss that he would help me resolve the duplicate and erroneous hard inquiries made into my credit report ; but he flat out lied as well, and that left me with little to no option unfortunately.

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 2021-09-04
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: Account information incorrect

Complaint:
Several Items reporting inaccurately. 
XXXX XXXX  account paid as agreed XXXX XXXX paid as agreed SBA paid as agreed XXXX XXXX XXXX exceed the 7 year reporting XXXX  exceed 7 year reporting XXXX XXXX exceed 7 years XXXX XXXX exceed XXXX XXXX XXXX exceed 7 XXXX account exceed XXXX XXXX  XXXX  exceed 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 2022-07-07
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 Account XXXX XXXX, 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

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 2018-02-28
Company: Experian Information Solutions Inc.
State: AL
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 and the Credit Bureaus are refusing to honor my request for a block of fradulent accounts and information under FCRA 605B. I have sent my FTC Identity Theft Report, my police report and have also submitted my information to the Attorney General in my state. I have fulfulled ALL the needed requirements and the bureaus are WILLFULLY non complying. I spoke to a representative from XXXX to ask if they received my police report and she said " we can't use this police report '' and we have opened investigation and you will hear in 30 days. '' I told her no, they had all they needed for 605B and they were to block within 4 days. She said they was not going to block because anyone could just go down and get a police report and claim ID theft. I told her that wasn't a judgement call for her to make that 605B requirements have been met and they needed to block I know the law well enough to know that there are only 3 reasons a CRA can refuse to block : 1. If the request is made in error. ( It's not ). 2. If the facts were materially misstated. ( how could they possibly know or obtain evidence to prove that or reach that conclusion ( especially within 4 days ). 3. If they had knowledge the consumer received goods or services with the transaction ( which I have not ). If the CRA follows the FCRA exactly, then it MUST put the identity theft block in place, within 4 business days, once it receives an identity theft report from a consumer. None of these is the case, so I want to know exactly why they are willfully breaking the 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 non-monetary relief
Consumer complaint received 2023-01-05
Company: PNC Bank N.A.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
PNC is trying to collect an illegal debt. The debt was charged illegally, pnc had admitted this, and then ignored all other attempts and sent false documents to the CFPB. PNC has broken atm machines, and blames customers. PNC is literally stealing money. What are they doing when atms dont accept cash, but the same atm allows cash withdrawals? Why does pnc send fake accounts to collections agencys? Why does PNC submit false documents to the CFPB. Why does pnc not respond to any concerns? 

PNC has sent documents to the CFPB claims this debt has been sent off to collects to CCs. 

As detailed in our response dated XX/XX/2022, the Spend was closed by PNC on XX/XX/2022, with a balance owed of {$69.00}. PNC did not receive payment for this balance and forwarded the account to XXXX for collection. They can be reached at XXXX. 

PNC has STILL collected on this debt that they no longer Owe, and that they sold. It was put into my collections, and I was harassed over the illegal fee. PNC is holding my money captive and refuses to communicate with me over a mutually recorded phone line, or email. It has to be only recorded on their end, and this I do not accept and is, again, illegal in many states. And I have email proof of them denying these communication methods, then theyll the CFPB they could not contact me. 

PNC is blatantly breaking the law, lying to the cfpb, reporting false accounts to collections, collecting money they dont have accounts to, not returning it like a normal bank does, and are stealing customers money It has been over almost three months now. The money should be returned with interest. 

bank reference ID XXXX. 
Total amount {$290.00} Mailing adress is : XXXX XXXX XXXX XXXX, XXXX MD, XXXX.

Company response to consumer: Closed with monetary relief