BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-20
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I wen to the branch directly to close my personal and business checking and savings accounts XXXX XXXX, I later found out that the accounts were not closed. I have called PNC several times and already filed a complaint directly with them in regards to not being able to close my accounts. I just spoke with them in XXXX about receiving a notice that an account I thought was closed months ago was closed in the negative for fees. I contacted them and was told that they would remove the account charges and I had no more accounts showing open. I am also not sure if they reported negative information on the business account that they failed to close after they closed it for a negative balance. I just received another notice that my personal business account is negative. I asked that all my accounts be closed and contacted PNC several times over a six month period asking to close my accounts. I filed a complaint with PNC and was contacted to say they would address my concerns and I still have another account that is still open and now negative. PNC continued to keep my accounts open after my request and charge me fees that XXXX XXXX and was again stonewalled and told that they could not pull up any information without me providing them the last deposit amount on an account I thought was closed and have no information on. I was told to go to the branch but when I do they told me they can not assist.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-23
Company: Diversified Acceptance Corporation
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The collection agency has entered a collection account on my credit report for a debt that is not mine. I have informed them this is not my account and they have not provided any written documentation to show this account belongs to me. When asked about how the account belonged to me, they responded that my XXXX XXXX was used to pay the bill, therefore the account belongs to me ( I have confirmed that XXXX XXXX has no records of this " supposed '' charge ). I sent a written dispute to XXXX on XXXX/XXXX/XXXX which still has not been reviewed or responded to as of XXXX/XXXX/XXXX Amount {$640.00} ( Original amount {$540.00} ) Collection Company is : XXXX XXXX XXXX XXXX File # XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone # XXXX

Company response to consumer: Untimely response
Consumer complaint received 2023-08-11
Company: EQUIFAX, INC.
State: TN
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:
XX/XX/2023 : Attached documents prove that XXXX XXXX 's credit bureau reporting for this account during the month of XXXX is incorrectly stating that the account was 30 days past due. Documents show that multiple payments totaling {$3900.00} were made by myself, accepted and posted to the XXXX XXXX account during that month. The payments were applied to the card and it functioned normally. Payments have been made on time/early throughout every single billing statement since opening the card, and zero notifications of past due/late amounts were sent to me for the month of XXXX. Furthermore, to my recollection, the month of XXXX was originally reported correctly as current, and it seems the change may have occurred following a dispute focused on the following month. Credit monitoring services now show the account as " 30 days late '' " {$0.00} '' past due for XXXX. An earlier dispute details a more complex issue for the month of XXXX in which an XXXX XXXX  supervisor, on a recorded line ( case XXXX ) identified a technical glitch -originating solely from XXXX XXXX- which caused numerous payments from previous months to be " returned '' ( attached statements from my corresponding checking account prove that they were not returned to any account of mine, and that it was not possible for myself or XXXX XXXX to have requested returns ). This happened on XXXX XXXX, and payments were sent within one hour of notification each time. Attached documents prove that an error code generated by XXXX XXXX, indicating XXXX XXXX  or myself requested those returns, is WRONG and not possible. Though payments were initiated by myself and marked as accepted to the XXXX account, XXXX XXXX participated in no interaction with my bank account regarding the debiting, or returning of those payments. Attached documents will show that XXXX XXXX generated numerous technical issues, all of which were dealt with immediately by myself, and there was never a period longer than an hour in which the card issuer or consumer was aware of any issue or further action needed. Attached documents show that XXXX XXXX XXXX XXXX  violated regulations in credit reporting, as the account was never late, and there were no notifications of an account being past due for the month of XXXX. On XX/XX/XXXX on a recorded line, I was assured multiple times after experiencing/rectifying XXXX XXXX XXXX XXXX that the account had always been current and no action was needed from myself. At the time of filing this complaint, it appears the XXXX reporting of the account may have been corrected to " current '' but I have not received confirmation. Statements for the months of XXXX - XXXX are attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-28
Company: SUNTRUST BANKS, INC.
State: AL
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I reached out to SunTrust Bank via electronic banking secure messaging to inquire about increasing my credit limit. I explained in detail my request and concerns I had regarding the process, specifically whether a " hard inquiry '' is required for this process. I was instructed to contact the XXXX number for further assistance. I called the number provided to request they review my account eligibility for an increase to my credit limit. Their touch-tone phone menu was incredibly frustrating, and would not allow me to press " 0 '' ( to speak with a representative ). The automated system insisted I choose an option, for which none were relevant. I had to hang up and call a second time using the voice commands in order to be able to speak to someone. Once a representative answered ( XXXX, sp? ), I was told that more information would be needed and that they would need to submit a credit application. Before I allowed the associate to continue, I inquired whether this would result in a " hard inquiry '' or a " soft inquiry. '' I was told that consideration for a limit increase would result in a " hard inquiry ''. Therefore, I declined to move forward. I find this practice predatory on consumers. First, the E-Banking specialist should have indicated in his response that SunTrust requires a hard inquiry, especially considering I communicated my concerns. Secondly, SunTrust already has updated credit information pulled monthly, so I see no justification on why they feel it is necessary to pull a new report. They have their own account relationship data, as well as monthly updates on credit reports that can be used to " score '' whether or not a consumer is eligible for a limit increase.

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 2023-11-04
Company: DISCOVER BANK
State: GA
Product: Credit 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:
When i got my statement for XX/XX/2023. They want me to pay them for a credit of {$180.00} they say they gave until my dispute was solved. 
I have e-mails from Discover & the sealer where XXXX XXXX played games with Discover about given me a credit & then retract it then but it back. Now they want me to pay Discover {$180.00} by XX/XX/XXXX I talked to twelve different agents.some say i do not owe it.When ask them to take off of my bill for XXXX. They set me to some who has the power & means to do that but they look at the account they say i owe it But they agree i got two credits & when i tell them since i have not used Discover XXXX XXXXXXXX XXXX take XXXXXXXX XXXX  & pay Discover But what got me, they told me after one of them that i did not have to pay the {$180.00} and a supervisor would call me in 24 hrs. & when i called this morning no one there new any thing about that procedure

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
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:
Dispute for a refund due from XXXX online store. Purchase made in XX/XX/2022 but has not been refunded to this date despite XXXX saying they would refund. 

A dispute attempt was made but then reversed after all the requested information was provided to bank of the west. Bank of the west then reversed the credit and requested more information. The information was provided, the bank then requested more information and that information has been provided to them. The dispute however was not restarted. 

XXXX is telling to wait another week for a refund " to be processed '' but this keeps happening every time I contact them week after week. The merchant does not dispute a refund is owed. Bank of the west dispute employee XXXX XXXX has all the information she requested but at this point nothing seems to be progressing in terms of restarting the backcharge. The amount is XXXX XXXX order numer is XXXX XXXX CASE 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 2015-09-28
Company: DYNAMIC RECOVERY SERVICES, INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
dynamic recovery solutions keeps calling me about a debt that I know longer owe. I wrote them a letter to ask the to stop all communications about the debt but the continue to call me even more.

Company response to consumer: Untimely response
Consumer complaint received 2022-12-14
Company: Experian Information Solutions Inc.
State: NJ
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im depressed now.with no help.

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 2021-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX XXXX XXXX XXXX charge my account in my name with a fraudulent charge and sent it to collections. The charges were not validated, and I didn't permit them to report any debt on my behalf. I need them to provide proof or to removed this from my credit report

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 2017-02-06
Company: ALCHRO INC.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I sent XXXX collection agency a letter on XX/XX/XXXX requesting written proof and signatures of the XXXX medical bills they have listed on my XXXX credit reports. In XX/XX/XXXX I was receiving government assistance and XXXX due to the fact that I was not working. I should not have a medical collection of {$75.00} and {$570.00} because I had XXXX. I also need proof of going to the XXXX and also my signature verifying that this was actually me. If they can not verify these please remove off of all XXXX credit report.

Company response to consumer: Untimely response
Consumer complaint received 2017-07-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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:
Capital one  XXXX   XXXX ,   XXXX   XXXX    XXXX   XXXX ,   XXXX     XXXX     XXXX ,2016,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: 1 STOP MONEY CENTERS, LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
Afternoon, In XX/XX/XXXX I had o resign my agreement over to an installment loan of 24 months. The previous loan was interest only. So they paid off the previous loan and rolled over the balance to the new balance and started a new contract. The balance would be {$1000.00}. XXXX month installment loans at {$150.00} was going to be the payments with roughly around $ XXXX {$20.00} applied to principal. the remaining {$130.00} would be interest. In total the payments would have been {$3600.00} once the {$1000.00} was paid off. The total amount of payments I made ( 7 ) {$1000.00} ended on XX/XX/XXXX. I could no longer afford the 179 % interest rate. I had started a family and I was paying for childcare now. I asked the representative at the time named XXXX was there anything I could do to settle and was told no. I just recently got a judgment being sued for over {$3900.00}. I have 20 days to respond and I have nothing I could pay with the 7 total payments I have made that was over {$800.00} in interest. I need some help as to what I can do. I have a family and can not afford to be paying such a high dollar amount if sued. Can you let me know what my options are? 1 stop money centers LLC ( XXXX XXXX XXXX is the company and contact information. This was a registration loan they said. Since payday loans were outlawed

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 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my 4th 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 items 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, OR XXXX XX/XX/2023 XXXXXXXX XXXX  XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$33000.00} XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/20XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX : {$33000.00} XXXX XXXX Balance : {$12000.00} XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, OR 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 2017-04-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Dear Equifax I am making a formal complaint that you are reporting inaccurate credit information. 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. 

I have been disputing several accounts with Equifax Every time I receive the results by mail, the item comes back as " verified '' with absolutely no proof of verification. No proof of contract or any signed documents at all. In my letters to the CRA I request physical proof of verification, while providing proof of my identity. 

I still have not been provided any documentation with merit alongside my signature attached. According to section 609 of the FCRA, the credit reporting agencies are REQUIRED to provide proof of verification, proof that the accounts belongs to me. If they are not able to provide this then they SHALL delete the accounts from my credit report. 

The guidelines provided by FCRA are clear. This shows that Equifax are violating my rights under this law. I sent out a certified letters to Equifax and have tracked delivery confirmation that they received my letter. 


I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. The following inquiries were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last six months for employment purposes. 

The disputed items are as follows 1. XXXX XX/XX/XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XX/XX/XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX 8. XXXX XXXX XXXX XX/XX/XXXX 9. XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11. XXXX Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. 

Appreciatively, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: TX
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:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. This account must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft

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