BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-22
Company: PNC Bank N.A.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have dealt with PNC bank for hours and hours, with no resolution. They have records of me calling in every month to make my payments on time. They reported me to the credit bureau for a late payment ( although I called in to pay on time ), due to the bank who manages my checking account providing me with the wrong account number. They said the only way to correct it would be to mail them a letter, so their research department could look into it and request my credit to be repaired, due to the banks error. I composed and sent a letter. In the mean time, I filed disputes with all of the credit bureaus, and two of my credit scores went back up. The next month, I see that my TransUnion score dropped again, due to PNC bank! I called them and spoke to a supervisor, XXXX. He told me that he did not know the reason why it dropped again, when I have not had a late payment after my credit score went up again ( this was in XXXX ). He said hed escalate it to another department, so it can be looked into. He told me that theyd give me a call back within 72 hours. I have received the call back, but I did receive misinformation. The other supervisor who called me back from this other department told me that they are unable to tell me the reason why my credit dropped TWICE! I would have to submit another letter. They lied. I received a response to my original letter, saying that PNC can not take any action in order to have my credit repaired. I went through all of this effort, with no resolution and with being lied to, and this is all over something that was not my fault!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: TDS Financial LLC
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I work with school district employees and I recently had a representative from the Third Party Administrator send out emails to everyone in a school district. This email went to all of my clients at the district, saying in bold lettering that " ACTION REQUIRED - We are missing your enrollment - Friday is your LAST DAY to enroll. '' Basically, these people sent emails to my clients claiming that they have to work with them and that they are no longer enrolled in their retirement savings accounts, which is A COMPLETE LIE! These XXXX Public school districts are able to work with ANYONE that they choose and have about 30 different companies that they can have their XXXX 's with. There IS NO DEADLINE, EVER. Employees can start/stop/change their XXXX at ANY time throughout the year. This email also has multiple links to click, including an " Enrollment Application '' and a Scheduling Appointment Time with one of their representatives. I tell my clients all the time, don't click any link coming from a source you don't know! It is completely UNACCEPTABLE and extremely misleading to use the XXXX  's name to solicit in such a FALSE way. This NEEDS to stop NOW.

Company response to consumer: Untimely response
Consumer complaint received 2023-05-03
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: Information belongs to someone else

Complaint:
This is my Follow-up 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 accounts 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 : US DEPT OF ED/XXXX XXXXXXXX .... Balance : {$92000.00} US DEPT OF EDXXXX XXXX .... Balance : {$82000.00} XXXX XXXX XXXX ... . Balance : {$1200.00}

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 2022-08-14
Company: Southwest Business Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX, I changed my mortgage insurance from XXXX to XXXX and was issued an escrow refund. I called my mortgage lender SWBC and asked what I needed to do so that when I mailed to escrow refund to SWBC it would be applied to my escrow and not as a mortgage payment. I was told to include a note on the check. I asked for the person taking the call to make a note on my account that this additional money was to be applied to escrow and the person I spoke with agreed to note it on my account. I put a note on the check and sent it in to SWBC. 
SWBC applied the money as an additional mortgage payment causing my escrow account to come up short and now SWBC is demanding {$4300.00} in repayment. I called SWBC XXXX times. Each time I asked them to go back into my account and apply the money I sent as it was supposed to be applied and correct any accounting on my account. They refuse. They want to move money here and there and allow me to skip a few payments but pay off the escrow. I want the accounting corrected and straight so that later on my account is in tack as it should be. SWBC continues to ignore me and play with my money. I need help asap, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I filed my claim with Bank of America and they have yet to resolve my credit to my account and its been months now. They said they resolve something but I have not received anything but a dollar for transactions on my card that I used at the ATM now I have three claims out there right now and they were all denied and then opened up for reconsideration so I dont know what my next step is. I keep reconsidering each claim and they keep adding on a dollar or XXXX dollars credit but not the full amount of {$13000.00} is XXXX XXXX and XXXX because I have two separate cards that this happened to you and yet nobody could help me take care of the credits the first time

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 2023-06-12
Company: FIRST PORTFOLIO SERVICING INC
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
First Access is reporting under the name XXXXXXXX XXXX XXXXXXXX XXXX  on XXXX and XXXX with Total Visa Cards contact information. 

This account was paid to be removed and closed XXXX of XXXX through total card inc. that was emailed to me the same day. it was removed from my credit report as agreed. It was added back about more than year ago, and I have been disputing with the credit bureaus and XXXX XXXX every month. along with calls, emails, faxes. They never even sent my credit history which was requested as well. 

They have been reporting incorrect data on months after closure of the account causing my credit to drop even putting charge off status and lates in XXXX. Putting me at risk of being homeless. due to recent home purchase and lease ending. 

I have been calling Total Card since its the phone number on my report. No one has access. Not even First access customer service has it. Only the back end office and the only way to contact correspondence is through fax not even they have access to this department. 

I am in the middle of purchasing my home and am set to move out at the end of the month. The recent credit drop has put a delay and time limit for this to be updated. 

I've explained to everyone my situation and no one could help either because they cant access my account- so they cant transfer or they tell me to dispute it and that they cant contact the corresponding department. 

Every time that I dispute, its new random information added to my credit report. XXXX and XXXX have both guided me well however limit information since there is not contact information for correspondence at first access.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance Owed : {$160.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$24000.00} ; XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX {$2800.00} ; XXXX XXXX XXXX  Balance Owed : {$5000.00} ; XXXX  XXXX Balance Owed : {$8400.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance Owed : {$160.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Greetings There are several accounts on my credit report that fell into the charge off category. However, They was letter settled but the third party companies have yet held up their end of updated the account of being settled. 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 2023-08-12
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Due to banking issues, I paid my creditor XXXX in 1 month. ( depleting my account ). I asked the creditor for a refund, they refused, said speak to financial institution. Spoke to financial institution, they said speak to creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: EQUIFAX, INC.
State: FL
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 15 USC 1681. 
Account name : # 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 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 2021-03-21
Company: AXOS FINANCIAL, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I opened a mortgage with XXXX XXXX XXXXXXXX ( XXXX ) in XXXX of XXXX. XXXX was subsequently acquired by Axos Bank. I paid my mortgage in full in XXXX of XXXX. I just tried to get prequalified for a loan to purchase a new home and was told that I had a loan on my credit report for {$350000.00} with XXXX XXXX XXXXXXXX. It took me two days to get through to a real person at Axos Bank. She told me to send an email to XXXX. I sent two emails, both of which were acknowledged with a standard no-reply acknowledgment of receipt. It has been two weeks and I have received no reply. I have already missed an opportunity for the property I wanted, but I want to make sure my credit report is clear so that I can continue looking for a new home.

Secondly, I have logged into my account on the Axos website to get my XXXX statement for XXXX. Unlike all other banks that I have ever worked with, they do not provide these documents online ( or at least not for my account ). I have requested this form so that I can file my taxes, but they have not replied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2021-10-14
Company: JPMORGAN CHASE & CO.
State: OR
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:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX there were fraudulent charges made by the same company for the same amount 4 times in under 2 months. I was not notified. When I noticed, I contacted Chase and they said there was nothing they could do. 

Previous to this in XXXX, I needed a charge removed from an airline when they continued to say that they paid me back when my bank account did not reflect this. I called Chase nearly every week for months asking for help and they said there was nothing they could do. After several months, I asked for them to remove the charges and they said it was too late. I responded that I had been calling and asking what my options were for months and they responded by saying there was nothing they could do. I had to resort to contacting the Department of Transportation and get the Oregon AG involved for these charges to be removed. 

In XXXX, I opened up a new credit card. You received XXXX points if you spent {$3000.00} in 3 months. In XXXX, I sprint {$1000.00}, in XXXX {$1400.00}, and in XXXX {$710.00}. I did not receive the points. When I called they said I didn't spend enough. When I said that I did, they said " no and there's nothing we can do ''. I spent years calling in an attempt to receive those points and was told " it's too late, there's nothing we can do ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: JPMORGAN CHASE & CO.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
My name is XXXX XXXX. I am an employee for XXXX XXXX in XXXX SC. A customer by the name of XXXX XXXX came into our facility to cash a Cashiers check from Chase Bank on XX/XX/XXXX. The Cashier 's Check came back to us from our bank with a stop payment on XX/XX/XXXX. We have reached out to several different departments in Chase bank to find out why a stop payment was issued and try and find a resolution but they refuse to help or even give me a phone number to someone that can help us. The Cashier 's Check was for {$1300.00}. I have spoke with Chase customer service at ( XXXX ) XXXX with no resolution on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I asked to be transferred to a manager on XX/XX/XXXX. The manager XXXX ( he did not give me a last name ) also said he could not help, would not give me a number to someone who could help, and said they did not have a corporate office number they could give me. I then contacted a branch close to our location in XXXX NC and spoke with XXXX on XX/XX/XXXX at ( XXXX ) XXXX and was told the same she couldn't help and when I asked for the Corporate office number she gave me the customer service number of ( XXXX ) XXXX. We shouldn't have to take a loss of {$1300.00} especially without any explanation as to why a stop payment was issued on a cashier 's check which we thought funds were supposed to be guaranteed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to a job loss that occurred years ago, I fell behind on my loan and could not afford to reinstate it nor did I qualify for a loan modification because I did not have the income. I have been working for months to do a short sale with the lender and I am currently under contract with an offer but the offer is under review and we are not quite ready to close but the mortgage servicer is not wanting to allow the additional time needed so the that the buyer can close. I have met all requirements given by the servicer and I am in the process of moving out of the house to prepare for closing. At this time, I am a self employed individual and can not afford to deal with the repercussions of a foreclosure, when I am making a great effort to get the debt resolved and settled. It would negatively effect my business. I have provided all of my financial paperwork, settled with the homeowner 's association on the home and just need at least an additional 30 days so that my current buyer can close. I've been doing the short sale for over a year now and do not want my work to go in vain. I just want to get this settled so that me and my family can move forward. Please help me get this resolved, I do not want a foreclosure to affect my credit any further than it has already been affected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: GA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any following items on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the following items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXX Balance : {$17000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

Company response to consumer: Closed with non-monetary relief