BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-27
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I've had a PNC XXXX XXXX account since XX/XX/2010, the account was with me from XXXX   to XXXX, now XXXX. The account had become overdrawn due to a dispute on a merchant transaction which was not authorized. PNC, provided provisional credit during the time of review with the merchant. Per my understanding, the merchant provided information stating the charge was valid. I did not have time to rebuttal their claim. Therefore, PNC withdrew the funds from the account. I was not aware that the account had become overdrawn. I received a statement the other day showing a negative balance of XXXX roughly. This now is reported on XXXX XXXX and XXXX XXXX as I've got a charged off account. Had I know this occurred, I would have put the money back into the account putting it at a XXXX balance. PNC never called me, never wrote me asking to put money in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
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:
I submitted a letter to the XXXX Credit Bureaus to UPDATE these unverified items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 
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 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 2021-04-13
Company: Pendleton Capital Management
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2021 I received a phone call from my brother stating, that XXXX calling from number XXXX, had called and was trying to find me. He said XXXX also stated that I owed a lot of debt and that I needed to be reached. He stated that XXXX got his number after he ran a background check on me. I also received a call from my mother stating the same thing. XXXX then called me a left me a voicemail that stated " this is the last attempt to contact you. After today, I will run a background check and look at your assets. '' I never gave my brothers or my mothers name on any application I submit. When I spoke to XXXX after I called him back, he stated that he already ran a background check and could tell me any asset I had. when I told him not to call back without written proof of the debt, he said he could call me at any time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have a HARD INQUIRY on my TransUnion credit report from a company XXXX XXXX XXXX XXXX from XX/XX/2019. I did not authorize this credit report pull from this company and I want this " hard inquiry '' removed from my credit report at once as it is impacting my credit score due to this fraudulent inquiry. 

I have tried multiple times to get TransUnion to clear up this erroneous, false, and fraudulent information on my report only to get an excuse that it was authorized. 

I DID NOT AUTHORIZE THIS CREDIT PULL. 
TRANSUNION needs to correct what process or system disconnect made this credit pull possible and ensure that this doesn't happen to other people going forward. 

I want this removed from my credit report at once. 
I WILL NOT SEND IN ADDITIONAL INFORMATION via old fashion mail to TransUnion for this issue - they need to allow for real-time resolve to errors that they have made on their part that are impacting a consumer. I want this resolution to be immediate and swift - it has been over a year fighting this to be removed. 

I DID NOT AUTHORIZE THIS CREDIT PULL.

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 2020-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 
The accounts I am talking about are : 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 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 explanation
Consumer complaint received 2023-07-27
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was in an auto accident and XXXX XXXX  deemed my vehicle totaled. I was subsequently charged for an insurance premium AFTER the decision to total my vehicle was made and sending me a payout. I informed XXXX that I should not be charged for an insurance policy on a vehicle I no longer owned, and I would not be paying for any insurance policies after the accident. They ultimately sent the debt to collections. 

Credit Collection Service ( XXXX XXXX XXXX XXXX, MA XXXX ) is now the owner of that " debt ''. This is showing as a negative report on my credit report with XXXX. After filing a dispute with them they closed the dispute without removing the item from my report. 

I have no intention of paying, or being penalized for payments on a monthly insurance premium that should have been properly cancelled by XXXX. This " debt '' needs to be removed immediately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: Security Credit Services, LLC
State: FL
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 have a collections account on my credit report for {$840.00} that I have absolutely no knowledge of, this is not my debt. The company that placed this collections account on my credit report will not return my calls, and I have no way of getting it removed, it has greatly impacted my credit. I have tried unsuccessfully to dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Ally auto bank misleading customer service team with their Total Loss department. I had a total loss car on XX/XX/2022 due to Hurricane Ian. The car was flooded and was a total loss per my auto insurance company. The car had GAP insurance also. Once both claims had paid their claims due to the total loss of car, there was a balance of {$1400.00}. When I spoke with Ally auto bank they reported they were still waiting for refund from the dealership for the warranty and road taxes. Then I received a delinquent on my credit report. I phone the dealership and they stated the refunds were sent. Call Ally to find out where the balance was from, the said that that was the remaining balance which I was responsible for. If the representative would of told me that I would of paid the balance but instead they said they were still waiting. I then paid balance and the account was closed due to being paid in full. The account was taken care right away.

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 2022-09-15
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I ordered 3 items from XXXX that were shipped together. Two items in the amount of {$6.00} and one items in the amount of {$270.00}. XXXX issued refunds from the items but stated my bank denied the refund for XXXX. Since XXXX issued a refund, they will no longer assist me. I received an email from USPS stating items were sent back to original sender. I submitted documentation to chime but my dispute claim was denied. This is not ok. I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: SYNCHRONY FINANCIAL
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I called Synchrony on XX/XX/ to cease and desist communication as they have no legal right to collect on any debts. They agreed but {$45.00} was deducted from my bank account on XX/XX/ after they agreed to stop automatic payments and remove my payment information. I attempted to call them to have the payment reversed but the two different reps I talked to today put me on a ridiculously long hold of over 15 minutes both times. 

Lastly, I sent an e-mail today to Synchrony to request that they reverse the payment by the end of the day that they attempted to collect since they did so fraudulently and after I revoked my consent. This has not been done so I will be reporting it as fraud to my bank to ensure that the money they attempted to illegally obtain gets credited back to me as the rightful owner.

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 2021-12-06
Company: EQUIFAX, 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:
I tried removing a XXXX bank credit card from my credit report that belongs to my ex wife of now 4 years. They refuse to remove it after now two attempts through equifax as I am unable to reach a representative to speak with on the matter. Im just looking to correct this issue as its causing an unwarranted negative impact on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: FEDChex Recovery, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has called and texted me numerous times in an attempt to collect an alleged debt. They have violated my rights as a consumer by contacting me without my written consent or the consent of a court of competent jurisdiction. That is against the law. They've also obtained my information without my consent with is infringement upon a consumer right to privacy. Furthermore, I sent them a cease and desist letter and they never responded which is violating my right to enforce my rights. This company has been very deceptive and tried taking advantage of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize anyone employed by XXXX XXXX  OR ANY OTHER COMPANY, and including the agency copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts I got, and placed a security freeze to my credit file. XXXX is the only out of 3 agencies that have not put the freeze as requested, that both Transunion and XXXX did, and this in addition to several other inquiries started after the XXXX data breach publicly known.

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 2022-10-03
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Student aid. Gov has incorrectly stated my loans were in administrative Forbearance XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. As I reviewed my previously private loans with XXXX. I have attached the confirmation from XXXX. Payments were made XX/XX/XXXX for {$49.00}, XX/XX/XXXX for {$49.00}. Another administrative Forbearance was placed on Student Aid.gov incorrectly for XXXX. The months listed are XXXX and XX/XX/XXXX. Payments were made on XX/XX/XXXX for {$48.00} and XX/XX/XXXX for {$48.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
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:
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 1666A 1666B 1666C 1666D 1666E and 1666F. Account Name : XXXX XXXX XXXX XXXX XXXX  creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Privacy and Consent, there is no law stating that late payments have to be reported. 
This has to be a billing error and needs to be corrected, effective immediately. 
This company is causing my credit score to decrease with reporting of my late payments that is illegal and there is no law that states otherwise. 
I am asking that they remove all information from my credit report 's and that's all 3 bureaus including, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28
Company: Experian Information Solutions Inc.
State: NY
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:
Was checking my credit report from the 3 major credit reporting agencies and notice that information on my credit is incorrect XXXX/XXXX partial # XXXX, and XXXX XXXX XXXX/XXXX XXXX showing up as negative on my credit and would like these DELETED from my report these have been included in my Bankruptcy Chapter XXXX, bankruptcy 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 2021-08-08
Company: JPMORGAN CHASE & CO.
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 information incorrect

Complaint:
My credit report is STILL reporting inaccurate and incomplete information months after I have disputed and made these issues aware to not only the bureaus, but the creditors!!! Why are you guys not actually investigating these issues and you keep willfully reporting incorrect information on my credit report which is keeping me from doing so many things in my life!!! Why are you doing this to me?? 
JPMCB CARD XXXX XXXX XXXX Account # : XXXX XXXX There are at least 3 additional data fields that are reporting inaccurate across 2 bureaus Date of first delinquency is reporting inaccurately across 2 bureaus.

There is no notice of previous dispute.

The creditors name is truncated and unidentifiable. 
The account number is truncated and unidentifiable. 
The account has been charged off but, it is still reporting incorrect payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 checked checked my credit report in XX/XX/2022 after applying for credit and noticed that i have been a victim of identity theft. I have XXXX fraudulent accounts on my credit profile that do not belong to me and i did not apply for them. Those fraudulent accounts are XXXX XXXX with the original creditor XXXX XXXX XXXX for the total of {$650.00}, XXXX for the total of {$530.00}, XXXX XXXX for the total of {$630.00} and XXXX XXXX for the total of {$870.00}. I have never done business with either of these companies and would like them taken off of my credit report as soon as possible because i have been denied credit due to these accounts that do not belong to me. I would like an updated credit report showing the removals of these fraudulent accounts.

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 2022-12-17
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
Dear Equifax & CFPB, Name : XXXX XXXX XXXX XXXX : XX/XX/2001 SSN : XXXX Mailing Address : XXXX XXXX XXXX XXXX XXXX, AL XXXX I have attached a copy of my FTC report and drivers license. 

I would like the hard inquiries included in the FTC report removed from my credit report given they were not authorized by me and were fraudulent. 

I previously reported this through the CFPB but did not attach any documents or an FTC report and that report was closed. I am requesting this report NOT be marked as a duplicate report and automatically closed, but rather this report be fully investigated and these hard inquiries be removed from my credit report given I have removed this fraudulent activity to the Federal Trade Commission and this is a new report with actual documents. 

The other report ( s ) did not have any documents and were not properly filed, therefore, I am requesting the CFPB or EQUIFAX close this report and mark it as duplicate given under federal law I have a right to report fraudulent hard inquiries and given I have attached the proper documents for said inquiries that are currently on my credit report and included on the FTC report attached. 

Please mail me a copy of my updated credit file once these hard inquiries have been removed from my credit report. 

If needed I can be reached at XXXX or at ( XXXX ) XXXX - XXXX. 

Thank you. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: Resurgent Capital Services L.P.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After contacting debt collector about settling a disputed debt, Agency sent me a letter in a different name that Im not known by, additionally the debt is over 10 years old. The agency claims that I still owe the debt which is in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: JPMORGAN CHASE & CO.
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:
The inquiries listed are unauthorized and fraudulent inquiries. I did not consent to the following inquiries. 

XXXX inquiry date was XX/XX/2020 inquiry date was XX/XX/2020

Company response to consumer: Closed with non-monetary relief