BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-08
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a PNC Bank virtual wallet checking account ending in XXXX. I scheduled external transfers to move the money out of this account to my XXXX XXXX  account. There are XXXX major issues : XXXX ) PNC has put the limits on external transfer- not good. 
XXXX ) Even when the transfer is done or failed- the status on PNC 's side is wrong. External transfers are unpredictable. When reached out to PNC- they have no way to cancel the transfers or help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement of a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error. The items below should all be updated as agreed on in my consumer report. 

XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$300.00} XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX Balance {$25.00} XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$75.00} XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$30.00}

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 non-monetary relief
Consumer complaint received 2017-10-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I recently looked at my credit reports and noticed that Wells Fargo Dealers reported negative marks 30,60,90 Days Late on my reports WITHOUT ever telling me they were going to report them. I believe this is incredibly unfair and had I received the federally mandated notice to me, I would have paid on time.

According to the Fair Credit Reporting Act Section 623 ( a ) ( 7 ) ( A ) ( i ) and ( B ) ( i ), they has a responsibility to provide a notice furnishing of negative information, in writing, to the customer and that this notice is to be given to the consumer prior to or no later than 30 days after furnishing the negative information In fact, the Federal Reserve even created a published form so that creditors can be in compliance. 
Here is the compliant verbiage : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. 
In short, I never received such a warning notice! 
I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 
I attached a copy of the law and the actual document from the federal reserve

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 2022-09-11
Company: Genesis FS Card Services, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have an Indigo Mastercard issued by Genesis Financial Services. When I make a payment on the website- it does NOT show as payment pending or payment received under the payments section of the website. I paid my balance in full ( the entire credit line in full ). The next day - the system resets as if you made no payment at all and you still need to make a payment. So I made a second full balance payment to the card. Paid entire balance in full again. I checked the next day ( today ) and the Indigo website still does not show the 1st and/or 2nd payment pending or received and still shows the customer owes money and a minimum payment is due. I called Indigo to make sure I would not miss a payment ( I already made two full balance ( full credit limit ) payments that do not show on their website ). Indigo said yes they received both payments but can not cancel one and their system just works like that. I will have paid TWICE the entire credit limit on the account. The CUSTOMER does not get info on the website regarding payments received after making a payment which would reasonably make any person believe the system did not register the payment and any reasonable person would believe they still owned the balance and would make a second ( duplicate ) payment - the system encourages this!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: CARD Corporation
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
XX/XX/2021 I made two transactions in the amount XXXX and XX/XX/XXXX I made three transactions in the amount XXXX and XXXX Thru XXXX XXXX but all 5 transactions cancelled immediately so no process was taken as clarified by XXXX XXXX. But the money was taken from account any ways and never refunded rightfully to me instead I go back and forth with card.com and money file another dispute on XXXX turn in supporting documents to get them to see what is the 100 percent truth. I was told that this process would take 5 days but no one ever got back to me it was well ova 40 days when decided to tell me no error was found. I need to contact XXXX  which stated the transactions was canceled I asked for them to put that in writing no one was able to. I rreach out to the XXXX CARD.COM STATED TO THEM THAT XXXX STATED NO TRANSACTIONS WAS CANCEL THEY PROCESS NEVER CANCELED WHICH IS AN FALSE STATEMENT OF SUCH BUSINESS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-09
Company: Consumer Portfolio Services, Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Consumer portfolio services is the loan lender. I purchased this car from XXXX XXXX in 2016. When getting car repaired a few months after purchasing, mechanic informed me that my car was rusted and will continue to do so ( inside out ). He stated car had to be in previous accident or in water and car shouldn't have been resold to anyone. I called the car dealer. Car dealership did not give me all the paperwork regarding the car even though i asked for it at time of purchased. company stated they forgot to mention that car was being driven as a rental car in Virginia and had previous accidents. However my car fax did not report that. Since then, dealership has not sent paperwork or any requested documents since. They told me to call the car loan holder. I made a complaint to Consumer portfolio and gave my written statement. I was told i would be reimbursed by the balance  on my car lowered, i would get a new car under a new loan and/or receive a check for the difference. Since then the case has not been settled i have still been paying but get frustrated as i am seeing the things going on with my car due to its previous problems i was not aware of or told before purchasing. My credit report is being affected by their errors and i have to keep disputing the debt as they are not updating information correctly. since i have been sending inquiries and complaining more i notice they keep giving credit companies false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: LEXISNEXIS
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
Hi, my name is XXXX XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, NC. NC Drivers License number is NC XXXX. Social Security number is XXXX. Policy number with XXXX XXXX  XXXX. 

When trying to renew our auto insurance we received an adverse action letter saying that we were involved in three incidents : one on XX/XX/XXXX, one on XX/XX/XXXX one on XX/XX/XXXX. Both incidents occurred in Texas which I have never visited. Reference number we were provided XXXX. This information is grossly incorrect. 

We reached out to LexisNexis at the instruction of our insurance agent, and LexisNexis was less than helpful. They were very rude on the phone and gave us no information about when it would be resolved. It's been more than 30 days and we are still having to pay a higher premium for two incidents on my record that I was not a part of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: Credit Karma, LLC
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Credit Karma kept sending me pre-approved offers in a time when I was desperate due to unexpected XXXX  expenses. I applied for many and was rejected for all. Lowering my score by nearly XXXX points! My power was shut off and now I have so many inquiries, nobody wants to worry with me. 
Some credit card companies even ran my credit for multiple cards!! I have like XXXX inquiries and agreed to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: GOLDMAN SACHS BANK USA
State: CA
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 opened an Apple Card using their automated process through XXXX. I attempted to make payments through online methods with no success. I found out that XXXX XXXX is only available on an XXXX and not accessible through my XXXX or XXXX. I finally was able to reach a rep on XX/XX/XXXX who took my payment over the phone. She told me my payment was processed. In XXXX, I received a late notice and I called on XX/XX/XXXX to find out why my payment was processed. I was told my account information was incorrect and they would process my payment and put me on automatic payments so that I didn't have to continue to call in. I had my credit pulled for a refi on XX/XX/XXXX to find out they have reported a 60 day late and the balance due ( even though Apple finally shows it paid in full ). Apple does not have convenient access to pay AND told me on a recorded line that they have no way to verify over the phone if the information was input correctly. This is impossible to believe, the rep on the phone should be notified account information is not correct before telling me my payment has been processed. I was never notified it didn't go through until my next late notice. Although Apple/Goldman Sacs has stated that it was not their error and they can not change the reporting, they refunded my interest charges for their " error ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-05
Company: Mortgage Research Center, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I just purchased my first home using a VA loan. The appraiser assigned to me used the lot square footage listed on MLS. The problem is the calculation is incorrect and the lot is actually 2,000 sq feet less. I became aware of the missing square footage after I moved in. When I told my lender about refinancing the loan for the actual value of the home, they declined to assist me any further, stating I would need the seller to agree to a new purchase price or contact a lawyer.

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 2021-10-28
Company: Google Compare Credit Cards Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I got an email saying I had added a new card to my Google account, clearly I had been hacked. It said that I had signed in from a XXXX  XXXX and there was a card ending in the numbers XXXX that had just been added to my account. I did not and am very worried about the security of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
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:
accordance with the fair credit reporting act XXXX  Account 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Experian Information Solutions Inc.
State: IN
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:
n accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under! 5 USC 1681. 

XXXX : XXXX, XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report counting 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 an 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 explanation
Consumer complaint received 2021-10-28
Company: Experian Information Solutions Inc.
State: AL
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:
Experian states it gets information from third party agency XXXX and the court. I am uploading documents from XXXX stating the bankruptcy was removed. Also court stating it doesnt report information to credit agencies. This is not mines along with the accounts associated with the bankruptcy. The accounts and the public record has been removed from XXXX and XXXX with the same information I am presenting to Experian. My question is why haven't Experian removed it when you state you get your information from XXXX and the court and I am presenting Experian proof it has been removed?

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 2023-10-12
Company: Experian Information Solutions Inc.
State: IL
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:
I respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation. I've attached the required documentation to validate my stance. I appreciate your swift action to address and correct this issue by ensuring the removal of the account from my credit report. Your prompt attention to this concern is greatly valued.

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 2023-07-18
Company: SYNCHRONY FINANCIAL
State: TX
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:
I have been using Care Credit for over 10 years now. My wife, XXXX XXXX, is an authorized user so we both have made purchases over the years. Some of these purchases would be " promotional purchases '' which means no interest is paid within 6/12/18 months. 
I am having a couple of issues with Care Credit. First, the biggest issue. The monthly balance due does not add up to the detailed purchases over the past several years. 
As of today, XX/XX/2023 my balance shows {$3000.00} with a minimum due of {$99.00}. 
However, when I print up the statement that shows purchase history, the balance does not add up to the amount owed. When added up, the total comes out to {$1300.00}. I will be sending additional documentation showing proof. So, the first question is, where's the remaining {$1600.00}? 
My second issue, I have sent multiple email over the course of two years trying to get some sort of explanation of how they came up with these numbers, but I don't get an actual answer or printed statement of these supposed numbers. 
My third issue, many times I have called to make a payment and have it allocated towards certain purchases and then follow up with an email. Some of these purchases would supposed to get paid off, then then when I look online it shows that I still have a balance. 
How is that possible? I feel like there's some shady things going on with Care Credit 's accounting as I have still yet to have received a proper answer. 

I will be sending documents via fax or email, as soon as I get the correct contact information. 

Thank you for your help. 
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 2023-06-10
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:
I realized that some of the information was erroneous. The 3 credit Bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$490.00}, XXXX XXXX XXXXXXXX Balance : {$210.00}, XXXX XXXX XXXX Balance : {$820.00}

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 non-monetary relief
Consumer complaint received 2023-07-18
Company: Experian Information Solutions Inc.
State: MD
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report. Thank you. 
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 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 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 2022-09-11
Company: Credit Karma, LLC
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
My credit score has dropped SIGNIFICANTLY in the last 6 months due to Credit Karma consistently pushing approved loans on me that I am not, in fact, approved for. The number of hard inquiries on my report for loans that I was subsequently denied, is totaling up to 7+. Half of these inquiries were not even made by me. Its going to take me another 6 months just to recover my credit score and actually be approved for a loan. No new house. No new lines of credit. Nothing. Theyve royally XXXX  me.

Company response to consumer: Closed with explanation