BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-13
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX XXXX is reporting an account for XXXX XXXX XXXX on my credit that is not mine. I've filed police reports and the fraud dept determined that it was someone in North Caroline who opened the account. I live in UTAH and have always lived in Utah. This is not mine & I have never had a collection on my credit nor have I ever had 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 2018-08-13
Company: PNC Bank N.A.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2018, PNCBank Sent me a letter that stated that I was delinquent in the payment of my real estate taxes. 
Consequently, PNCBank stated that I must provide documentation showing that I was not delinquent. 
PNCBank did not provide the source of the information proving that in fact I was delinquent in the payment of my Real estate taxes. 
PNCBank stated that I would be forced to make payment to an escrow account if I did not prove I was not delinquent in the payment of real estate taxes. 

Provide a copy of the source without excuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: Army and Air Force Exchange Service
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
AAFES, XXXX XXXXr Credit Card was issued to me. After I used the card and paid much of the debt, I had used the card again and was in good standing for 2 years with the company. 
My husband and I separated in 2016. I fell behind in payments and the debt went to collections. They harrass me and threatened to garnish my wages. 
I am now going through a divorce and I am unemployed. I have NOTHING! 
AAFES, and their collection agency ( TOPS ) make threats and say they will take my Federal Income Tax Return.

The debt is {$4000.00} with over {$1500.00} in interest! 
They are crooks!

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 2018-11-13
Company: Lending Club Corp
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/2018 I found out that there was a joint account opened by ex-husband under my name without my consent or any signature obtained by me for {$30000.00}. During divorce proceedings, my ex-husband signed legal documents taking full responsibility for payment of the loan and he had stated that after speaking with the loan company they informed him that after a couple of months of monthly payments my name will be removed. My name was not removed and Lending Club Co is contacting me for payment of a loan that was fraudulently opened under my name using my personal information. I am baffled that a loan for that amount can be opened without my consent or any signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
FAIR COLLECTIONS AND OUT is in violation cra inaccurate information put on my credit id theft and po report sent to all major company

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 2018-06-18
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
walmart decreased the limit without any waring then closed the account i reached out to walmart and stated that since you decreased my limit and closed my account without any warning my account is PAID in full please leave it close and remove it from all 3 major bureau i was told Yes then sent a letter stating that was incorrect information. I would like Walmart removed from my 3 major credit bureaus

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 2020-08-20
Company: American Coradius International LLC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX I received a letter dated XXXX from American Coradius International LLC, XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX, NY XXXX, stating I owed XXXX XXXX/XXXX XXXX   {$110.00}. The letter also stated I must respond within 30 days to dispute the validity of this debt. Also, American Coradius International LLC is willing to accept {$52.00} to resolve the account. 

The wording sounded suspicious. Their willingness to take a reduced amount on the first contact from this company sounded suspicious. The fact that I do not recall having a balance with XXXX XXXX XXXX made me suspicious. I checked my account with XXXX XXXX  online and it shows a balance of {$0.00}. I called XXXX XXXX, and they were unable to find an account with my name or SSN on it, or even find an account with the number that was provided by the letter from American Coradius International LLC. 

I believe this is an attempt to swindle me. 

I do not want to contact this company because I believe they will not answer any questions unless I provide them with personal information that can be used illegally. 

contact information provided in the letter : American Coradius International LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX reference numberXXXX Amount owed : {$110.00} Resolution amount {$52.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: PNC Bank N.A.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, Sorry to bother you with this but I see no other choice, being a consumer fighting a big bank with departments to defend themselves, but to file complaints against my current bank for additional insurance charges that are not warranted and was never asked for. I have a loan that begin in XX/XX/2003 for an apartment/condo in XXXX. I'm the president of the condo board. Back about 7 years ago they wanted insurance that covered the wall studs in, which I provided although PNC Bank actual charged me but reverse it after I argued that I already had insurance covering that. Now they are claiming some other bogus claim that I do not have this or that insurance. First they claimed they never received my insurance coverage proof then once they got that they came up this claim that if I turn the building upside down it covers that. What? I did some research on this years ago and banks like PNC and XXXX XXXX were being sued for forcing mortgagees to buy insurance from companies that they either owned or had some affiliation to. So, if my bank which I signed an agreement with back in XX/XX/2003 decides that I need some type of insurance that they decide it should be enforceable? This sounds very corrupt and sets a bad precedence going forward. I would appreciate if you can notify them to stop trying to come up with created ways to charge me and others insurance so one of their affiliates can make money. I fully understand my insurance coverage and this is not justified and seems illegal. This is not my first run-in with PNC where they did everything to prevent me from refinancing my existing loan with them at a lower rate. Thank you for your time. 

Sincerely, XXXX XXXX XXXX Loan # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: CITIBANK, N.A.
State: UT
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
When I made a payment on my Home Depot account serviced by Citi, they required me to agree and accept that my computer was able to encrypt the payment information? I have no idea what this means except that they are possibly hoping that I take on the responsibility that My computer is safe enough to make a payment. I have no idea why this bank would require me to be responsible for the security of my payment - that is their responsibility to make their site safe to make the payment. How would I even know what bit encryption my computer is? This is incredibly unreasonable and confusing, and they refused to take my payment without my agreement. How do companies get away with this? Trying to pass responsibility for their own site safety on to me where I have no idea about any kind of encryption process on my computer? I am so upset by Citi unreasonable demands on consumers at this point I am making sure our Home Depot knows about this and this is really hurting their brand to have this bank called Citi be so abusive to their customers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: Experian Information Solutions Inc.
State: SC
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:
CFBP please view the comments from Experian dated XX/XX/2018. The attached documents confirm that this company is comfortable parroting and reporting inaccurate unverified information. Experian is comfortable with Law suits confirming their willingness to violate the LAW and guidelines within the FCRA in fair reporting. The attached documents are a mirror image of the complaint that I have with XXXX   XXXX and Experian.

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 2018-11-13
Company: FIRSTBANK PUERTO RICO
State: PR
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:
On XX/XX/2018, I made the payoff payment of my auto/leasing loan with FirstBank Puerto Rico number XXXX, this payment was processed a week later, First Bank PR continue reporting a wrong information in on my credit report with XXXX that is prejudicial to me. FirstBank PR continue reporting that the loan is active open and with past due balance plus 180 days affecting my credit. 


I made a dispute with XXXX XXXXConfirmation Number : XXXX -completed on XX/XX/2018 indicating that FirstBank PR indicates that account is open and on past due, information thats not correct. I contacted XXXX  on XX/XX/2018, and they indicated that still ( according to the last reported day of FirstBank of PR on XX/XX/2018 ), they are reporting that the account is " Open '' and on " Past Due '' with more than 180 days, the correct information must be " Closed '' and " Paid off ''. 

Yesterday XX/XX/2018, I contacted FirstBank PR by phone and they indicated that they are going to send me a letter so that I can send it to XXXX by mail. I let them know that they are responsible of provide the correct and updated information to the different credit reporting agencies. 

They dont provide any further resolution either take an effective action to correct their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Despite four written requests, the unverified items listed below remains on my credit report in violation of Federal Law. Transunion is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their investigations, Transunion stated in writing that the account verified that the items are being reported correctly? I received no written verification of who verified these accounts? Transunion did NOT provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Transunion also have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). As such under Section 611 ( 5 ) ( A ) of the FCRA Transunion is required to promptly DELETE all information which can not be verified. yet they have not.

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 2018-11-13
Company: PNC Bank N.A.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing now in hopes to receive your help. Presently I am working on examining my credit, paying down my balances, and pursuing better credit worthiness. You play a vital part in this process. I am asking about the account number referenced in this complaint. 
I see you have reported me 30 days late to the credit bureaus ( XXXX, XXXX  and XXXX ) on XX/XX/2018 and I am submitting this to have this remark took back. I had believe I had made all my payments on time, the only thing I could imagine, is that my statement didn't get to me in time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Checking over my report today and I noticed some unusual activity once I notice this unusual activity I created a FTC report and I contacted the creditors multiple times they never provided me any information at all!!!!!! Inaccurate items on report should be removed the dates, and amounts dont add up either. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXXXX XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiries I do not notice XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXX

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 2018-11-13
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I consistenly monitor my credit reports from all three bureaus, and I am highly frustrated and disappointed with the information that XXXX is reporting to these bureaus. 

They main problem is every other month, XXXX says, " we are reporting your information accurately '', then I check with the bureaus ; XXXX as an example : shows that the account has been closed as of XX/XX/2018 or a month before. They also show no payment history from XX/XX/2018 back to the beginning of this loan. 

I have no payment history showing for any years previous to XXXX and XX/XX/2018. 
I have a problem with that because XXXX has collected my mortgage payment for years and they onlly show two months mortgage payment of XX/XX/2018. 

The other sad thing is, I have filed several complaints with the CFPB and you all have just stood by idlely and allowed this company to continue to practice these deceitful practices. 

They should be held accountable!!! I have no words even for the purpose of filing this complaint. You constantly just forward the complaint and you don't get involved with the process legally. LOOK AT MY INDIVIDUAL CASE AND SEE HOW LONG THEY HAVE VIOLATED MY RIGHTS ( that CFPB is supposedly overseeing ). This is a joke There is clearly a problem with my mortgage company, their third party reporting agencies and the credit bureaus reporting my mortgage information accurately without closing my mortgage account every other month. 

Who does that? I make a payment and they close my account when they try to report it????? "? 

This has taken a toll on my credit score and report to where I am unable to procure, refinance my loan because the account is " CLOSED WITH NO HISTORY ''. 

I am desperately imporing that you take a closer look at my mortgage company, who they have reporting my payments or all 3 of the credit reporting bureaus and their third party reporting entities and how they procure/verify that information. 

I NEED INTERVENTION NOW!!!!!!!!!!!!!!!!!!!!!!!

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 2018-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I went to see a financial advisor to help me pick a credit card to apply for. I insisted I only wanted to apply for one card. The advisor assured me there would only be 1 hard inquiry and I was approved for the card. However, because the financial advisor wasn't truthful, I ended up with 9 hard inquiries greatly affecting my score and the card I was approved for now has me jumping hoops through the fraud department. I never authorized the following inquiries : XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX or XXXX XXXX mostly  calling from XXXX GA using numerous numbers such as XXXX. I have texted back to them at least 10 - 30 times about repeated calling. They just call from a different number from XXXX GA. This happens several times a day even weekends. 

This is truly consumer harassment. Anything you can do to stop this will be much appreciated. They are calling both my home phone and cell phone. My home phone number is XXXX and my cell phone number is XXXX. Thanks so much. Appreciate this greatly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Don't belong to me, I don't have a contract with this company, it's inaccurate. account XXXX for {$570.00}. I requested original contract and debt validation letter.

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 2018-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Today XX/XX/2018 I received from XXXX credit reporting agency the results from an investigation. XXXX did nothing because the before and after investigation is all the same. I am uploading pictures to show proof. XXXX writes they have updated the information and review my report. First off this XXXX XXXX XXXX account is fraudulent. I have been disputing this for over a year now. It is extremely frustrating that my credit is being impacted in a negative way for a fraudulent account.

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 2023-03-10
Company: Westlake Services, LLC
State: OK
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:
The XXXX XXXX XXXX that I and XXXX XXXX has been paid off. As a of XX/XX/XXXXXXXX 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