BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
Upon reviewing my updated credit report, I found out that there are erroneous accounts that are still reporting in my credit report. I already sent a letter of request to TransUnion Credit Bureaus to investigate the assumed accounts, but I haven't received any response from them. Also, the Bureau was reporting a DELETED account from other bureaus on my credit file. Per FCRA, reporting must be 100 % accurate. Please conduct a thorough investigation for the following items : XXXX XXXX ***** Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX ***** Opened Date XX/XX/XXXX Balance $ {$2500.00} XXXX XXXX ***** Opened Date XX/XX/XXXX Balance {$28000.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) ***** Opened Date XX/XX/XXXX Balance {$790.00}

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 2017-07-11
Company: PENTAGON FEDERAL CREDIT UNION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXXXXXXXXXX To Whom It May Concern, I am writing this letter to bring to your attention the failure of Pentagon Federal Credit Union ( PenFed ) to pay out on a gap insurance policy on a vehicle loan I purchased from them when obtaining that loan in XXXX 2016 for a XXXX XXXX van. This issue with PenFed has been on-gong since XXXX, 2016 without either contact from, or any attempts to resolve. <P/>In XXXX of 2016, this vehicle was vandalized while parked where I had been staying for the evening. In XXXX of 2016, the van was vandalized a second time, much more extensively, while parked at my residence, rendering it completely non-functional and inoperable. The van was taken to a salvage yard in XXXX XXXX, and a police report was filed. <P/>Shortly after, I delivered the paperwork from the salvage yard to XXXX XXXX, Senior Manager at the XXXX branch of Pentagon Federal. This was when the real problems began. I was given the phone number to PenFeds third-party insurance provider, whom I called and provided with all the relevant information. I had not been told at the time of purchase that the insurance was not offered through PenFed itself. <P/>What I have experienced since then has been a never-ending chain of deferrals, voice mails, un-returned phone calls, and threatening notices of default sent to the vehicles co-signer. I have opened a case with PenFeds third-party provider not once, but three times, each time to find out that my case information later disappeared, unable to be found, whereupon I am told my only recourse is to begin the process again. No one from PenFed has ever personally reached out to me or responded to any of my complaints, despite receiving them in writing. And again, the case files with their third-party provider keep vanishing. <P/>In short, PenFed is refusing to pay out the gap insurance policy which I purchased at the time of the loan and was led to believe I was purchasing from them. They are refusing in spite of my having provided them with ample evidence that the vehicle is totaled and inoperable due to no fault of my own. <P/>PenFeds ongoing refusal to honor the gap insurance policy which I purchased from them has caused me financial hardship. Unable to use the van, and faced with PenFeds unwillingness to pay out on the policy which they sold me, I became unable to continue working. <P/>Please take action. <P/>Sincerely, 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 2017-07-11
Company: Ditech Financial LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had an insurance claim back over 2 years ago in 2015 ... the check was made out to both myself and Mortgage company ( now Ditech ). After getting work done, I had the insurance company out to property where they did a 70 page inspection. please note that insured coverage amount is more than {>= $1,000,000} and I owe less than 4550,000 so their collateral has never been at issue. I have forwarded that inspection repeatedly to Ditech. They refused to release money to me ( me being the one who paid all the premiums that Ditech simply escrowed ). Since I had shown them that their collateral was fine ( more equity than when loan was taken out by a good stretch ) I told them to credit the money to my payments. Ditech now has refused to even accept my subsequent payments and I am at risk of foreclosure. Ditech has a consent decree with the Mass AG 's office, regarding their doing this exact thing to other Massachusetts borrowers. Please help. THX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I RECEIVED SOLICITATION FROM CHASE DUE TO MY OUTSTANDING CREDIT AND COMPANY NEVER TRANSFER THE BALANCE AND ALSO CONTINUE TO CHARGES ME INTEREST FEES THRU OUT THE PROMOTIONAL 15 MONTHS STATED AS ADVERTISED AND PROMISE NO FEES/ INTEREST ... IN WHICH IS VIOLATES OF ... DECEPTIVE BUSINESS PRACTICES, BAIT N SWITCH, VIOLATES TRUTH AND LENDING ACT, FCBA AND FDCPA '' ..ALSO I DID NOT RECEIVE ANY NOTICE IN TIMELY MANNER OF BILLING STATEMENT AS REQUIRED PER FCBA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: PNC Bank N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
* XX/XX/XXXX : PNC Virtual Wallet with Performance Select Spend checking account was opened online from PNC bank website * This was done under promo terms where consumer could " Earn {$400.00} when you establish total qualifying direct deposit ( s ) of {$5000.00} or more to the Spend account. '' Of note, " to qualify for the reward, the new Virtual Wallet product must be opened online via the application links on this page between XX/XX/XXXX to XX/XX/XXXX, '' which I did successfully do ( see attached ) * XX/XX/XXXX : After noting that the promo reward was never provided ( " credited to the eligible account within 6090 days after all conditions have been met '' ), I reached out to PNC Bank via online chat in early XXXX to request a resolution * XX/XX/XXXX : per my XX/XX/XXXX statement dated XX/XX/XXXX, {$300.00} promo reward was deposited on XXXX ( " Cash Trans Promo Reward '' ) * XX/XX/XXXX : given it was only partial promo deposit, I reached out to PNC Bank via online chat again to request a correction with addition of remaining {$100.00} promo reward balance. Agent informed that they had no record of the promotion in question, and thus used that as justification for the {$300.00} amount ( which was never the actual promotion terms per attached documentation ). Agent also refused to accept any documentation that I was willing to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: EQUIFAX, INC.
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
This is an error : Name Added : The name ( XXXX, XXXX, XXXX ) is listed on your credit report as of XX/XX/2019. 

My name is XXXX XXXX. XXXX, XXXX, XXXX is not my name and in fact it just looks like XXXX gibberish.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on MIDLAND FUND. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

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 2020-09-16
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was over charged by XXXX XXXX they charged me XXXX dollars and sent me a bottle of XXXX cleanse instead and charged me for it too. I didn't even order it. The bank put the money in my account twice and took it back twice. They said they showed documentation that they sent me 5 bottles of XXXX XXXX. I never received them or they would have went back to the company. Now the bank refuses to help me. I didn't know it was a scam. I will never order nothing from them again. No one would listen to me I got so frustrated with the bank and XXXX XXXX. One was telling me to call the other.

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 2021-09-08
Company: Experian Information Solutions Inc.
State: MA
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:
XXXX XXXX is only the owner of the vehcile can apply for an abatement XXXX XXXX says they have here we are 5 months later and they lie they have not as of XX/XX/XXXX per XXXX XXXX XXXX abatement person XXXX # XXXX but XXXX still reported late payments for XXXX to XXXX ruining my credit still saying it is my responsibilty to get abatement it is not the lease was paid off on XX/XX/XXXX i did not own the car inXXXX and they have recd all paperwork several times and several phone calls to fix my crtedit and XXXX says all info is verified wrong look at documents car was returned to XXXX in XXXX onXXXX so how did XXXX verify wrong info look at the documents not my debt fix my credit back to XXXX fico score stop passing the buck stop listening to XXXX  XXXX call XXXX XXXX XXXX to verify XXXX has not applied for an abatement as they have said 4 months ago BUT THEY KEEP ON REPORTING ME LATE ON PAYMENTS ON LEASE THAT WAS PAID OFF IN XX/XX/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 2022-08-10
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have noticed many incorrect and unauthorized items appeared in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 am unaware of who made the credit inquiries on my report but it was not me.

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 2017-11-16
Company: Utah System of Higher Education
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I contacted XXXX to tell them that I wanted any payments in excess of my minimum payment to be allocated to specific loans ( ie the loans with the highest interest rates ). They told me there was no way for them to do that and that additional payments would be treated as payments in advance and such additional amounts would be allocated equally among all loans of various interest rates. I told them that this was unacceptable and that alternatively I could provide the exact amounts each month that should be allocated towards specific loans from the aggregate autopayment. They said they could not set this up in advance and my only option was to call them by phone each and every month after the date on which an additional payment had been made and request that such additional payments be reallocated after the fact ( which would require the phone representative to email their accounts team who would effect the reallocation within 3-4 business days ). There would be no confirmation provided to me and if any error I would be forced to contact customer service again. 

This process is administratively burdensome ( I spent 40 minutes on the phone with them ),  potentially fraught with human error and I feel designed intentionally to prevent me from allocating additional payments to my highest interest rate loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: Automated Collection Services, Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was XXXX years old and still under my mother 's care. Now knowing she never had health insurance for me and was not giving me any of my bills, I as a young adult, knew nothing of most of these debts. I never received correspondence or the right to dispute. I had serious, chronic health issues as a young adult and am now- 5 years later recieving relentless calls from blocked and out of states numbers. 2 times they never disclosed they were debt collectors and refused to stop calling me while I was at work. I contacted one back and began a payment plan with them. At first they refused to take less than XXXX dollars a month- I am a XXXX XXXX college student and living on my own. I told them the very most I could do was XXXX and have been paying it for a year with no correspondence of my current balance. No one ever mentioned I could dispute it or could send me an itemized bill- some of the bills are over 7 years old!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX XX/XX/XXXX {$510.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$62.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$56.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$79.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: WELLS FARGO & COMPANY
State: SD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Wells Fargo continues billing me a $ XXXX Monthly Service Fee, even though I am meeting the obligations to avoid being billed this fee each month. The terms of the account state I can avoid the fee through a linked mortgage or an average balance of {$7500.00} on a line of credit, checking account, etc. They are only considering my Average Daily Balance on my checking account in qualifying the fee waiver, not my credit card average daily balance that far exceeds the {$7500.00} requirement. I called them previously and they credited two months of fees and said theyd look into it, only to bill me again on XXXX. I want the fee waived and to make sure they stop doing this. Their history lends itself to taking advantage of their customers with fees, so Im sure other consumers have been harmed by this issue, too.

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 2022-01-07
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On or about XX/XX/XXXX a teller in XXXX ( I rarely go to XXXX ) entered a hold to offset a deposit on someone else 's account. In entering the hold, she mistakenly typed in a " XXXX '' instead of a " XXXX '', and the hold was placed on my account in error. Mistakes happen, that is understandable. However, as a result 2 items were rejected on my account. I was charged 2 x {$36.00} in " returned item fees ''. After spending 2 hours over a week on the phone with the bank, they reversed these two " returned item fees ''. However, they refuse to credit me for the charges from the merchant who the items were returned to. The merchant charged me {$25.00} for each item as a " redeposit fee ''. The bank told me I needed to go to the branch, get paperwork, and then go to the merchant and ask the merchant to refund that fee. If this were my error, I wouldn't mind doing that. However, it wasn't my error. Truist put a @ {$250000.00} hold on my account that was 1 ) an error, and 2 ) had nothing to do with me. The least that they should do is cover those bad check fees charged by the merchant. My expectation is that they also contact the merchant and explain that this was an error on their part and apologize on my behalf. I don't want my 800+ credit scores damaged by a bank error. The " returned item '' fees were charged on XX/XX/XXXX and were refunded on XX/XX/XXXX. The merchant charges for the bad check were made on XX/XX/XXXX. I spent about an hour on the phone around on XX/XX/XXXX to find out what happened. At that time I was told that the " returned item '' fees would be taken care of. I called back on XX/XX/XXXX when the items were still appearing on my account and had to spend XXXX minutes on the phone before that part of the problem was resolved. The merchant charges are still not resolved.

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 2017-09-24
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX XXXX is reporting a credit line without any legal authority. They are reporting this fraudulent criet to harass me and adversely effect my credit rating. XXXX had maintained they were transferred this account from XXXX XXXX XXXX. At the time the account was allegedly transferred, XXXX XXXX XXXX did not show any activity afterXX/XX/XXXX. However, once transferred to XXXX in XX/XX/XXXX, they started their account history in XX/XX/XXXX with a 120 day delinquency. XXXX  has maintained they would report this account adversely due to the pending lawsuit against their predecessor, XXXX XXXX XXXX.
On XX/XX/XXXX, XXXX XXXX XXXX admitted the Rescission Deed they filed inXX/XX/XXXXwas invalid and ineffective. Therefore they had no loan to transfer to XXXX to collect. However, this credit line should be deleted from my credit report.
OnXX/XX/XXXX, the Court declared the Rescission Deed was invalid as well. XXXX is reporting false information to the bureaus and they are aware of the most recent decision by the Court, ad they are conspiring with XXXX XXXX XXXX creating a fraud against the Court 's, CFPB, and the credit reports. I 've attached a letter from XXXX dated XX/XX/XXXX, letter from XXXX XXXX XXXX 's attorney, XXXX XXXX, Stipulation of Facts from XXXX XXXX and the Court 's order. I 'm demanding XXXX delete this credit line if XXXX ca n't prove they are legally required to report it.

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