BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-28
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I am trying to link my account with XXXX to be able to. Pay my rent online, the landlord also uses Pnc, it says Pnc doesn't allow this yo happen forcing me to use a debit or credit card and pay over 2 % in fees, this is ridiculous

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
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: Information belongs to someone else

Complaint:
After learning that my personal information was compromised and involved in the XXXX data breach ( attached ) I reviewed my credit reports and found multiple accounts and inquiries that I did not recognize nor authorize. I attempted to have this problem corrected with the three credit reporting agencies of XXXX, XXXX, and TransUnion but I have not had the issue corrected.

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 2019-11-04
Company: EQUIFAX, INC.
State: NJ
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 contacted XXXX  letting them know I have a written agreement with the XXXX XXXX   XXXX who is no longer managed by XXXX XXXX. XXXX XXXX XXXX   never sent me anything in writing of such debt I dont have a contractual agreement with XXXX XXXX XXXX legally they dont have to report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this debt with credit bureaus and debt collector numerous times. I have never done business with this company nor entered into any agreement with them. I have asked that they verify details of this debt including that I legally owe them or delete from my credit report. I have not received any verifications nor has my credit report been updated with the requested deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: The Best Service Co.,Inc
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
cription : Proffesional collections put a Lien was put on my property on XX/XX/2019 without my knowledge for an account that I do not owe money and that was well past the statue of limitations. The XXXX XXXX XXXX XXXX XXXX has put an lien on my property for a balance that I do not owe. 1. The account is well past the statue of limitations of which they can collect. 2. They tried to garnish my wages and I appealed with the XXXX XXXX police department and won, XXXX XXXX was unable to garnish my wages. 3. XXXX XXXX illegally without my knowledge put a lien on my property, that is currently growing interest. 4. I won the court case and no longer owe any money to the XXXX XXXX XXXX  XXXX XXXX. I would like the lien removed from my property immediately as it should never have been placed on my property. What you are doing is illegal and I will seek legal justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: Experian Information Solutions Inc.
State: AZ
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 have sent up to 3 dispute letters to XXXX XXXX XXXX and they have refused to 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 ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. They continue to send me old billing statements which is not proper verification of the account. They continue to report this unverified account n my credit company and continue to call and harass 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 non-monetary relief
Consumer complaint received 2022-11-05
Company: Experian Information Solutions Inc.
State: OH
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:
On XXXX I disputed the completeness and accuracy of a trade line being reported to my credit report. I was requesting account level documentation stating my agreement to do business with XXXX XXXX. I also sent a letter to the Credit reporting agency to remove the incomplete or inaccurate information. Neither company complied to my request. Instead capitol one wanted me to send them supporting documentation for my request. 
I requested with a second letter to XXXX XXXX to do another investigation and another letter to XXXX and experian to reinvestigate the request.

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 2022-02-28
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My checking account was hacked and I had to be the one to catch it due to my creditors contacting me. It shows that they used different devices or ways to access my account. The did bogus claims on my account. From what the banker explained to me that they would have then gone back and took that money out of my account. Its caused some of my utilities to be possibly cut off. Or the threats of plus fees. Chase then took the money back out of my account to send to the creditors but never received the payments. Now Chase is stating they will have to possibly take the money out of my account a second time. So Im being robbed twice. I have reached out to the bank manager, her boss. Neither have attempted to contact me other than the banker who is doing nothing but being rude and disrespectful. It seems that there is nothing that I can do about this. Its very stressful and Im on a fixed income. I am a combat war veteran who is stuck with no help. Can youll please do something any little thing will help. Please Im begging for help. I appreciate any help at all I can get please. Im possibly going to have to take them to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: VALLEY NATIONAL BANCORP
State: NJ
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On or aboutXX/XX/XXXX, I opened a CD account, with Valley National Bank. It has been a nightmare ever since it was open. On or around the month of XX/XX/XXXX, I lost my CD check, I ask for a replacement, it took two months for a replacement. The same day, I can in to do the paperwork, I ask to open a CD, I had over 500 , Ms XXXX states I did not have enough money to open one. Then another time I came to get the interest on my CD account the lady with the maroon hair that sat across from Ms.XXXX gave me a hard time. I threatened to call the XXXX office she processed the account even though they don't do anything. These incidents took place in the XXXX office on XXXX XXXX. I spoke to Ms. XXXX at the XXXX office no faster service. 

However, I decided to go to the XXXX XXXX office to get better service I had no problem with them until today, XX/XX/XXXX. I went there to get my interest, the so call XXXX, XXXX stated I should not be getting any interest the bank was just wavering the fee each month for me as a curtsey. I explained to her that was not true. She call the CD department and they told her I was getting the wrong code for the amount I was getting, I ask for the number, she stated they would not give my the number. Her professional behavior was horrible. I have one more month to go I can't wait I will be leaving this bank. Another incident I opened a {$500.00} Christmas club I only got XXXX for the year, but if not paid by time stated you are charged {$50.00}. I will never use this bank again and I will tell others about this matter. I feel since I am a minority this can take place.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: Experian Information Solutions Inc.
State: PA
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXXXXXX 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 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
My XXXX  credit file has no credit score. Which it had before. I got scammed by a company last year that had my social and all personal information and nothing was done about it. There are things on my credit that are older than XXXX XXXX XXXX. I mean they just dont care and they break credit laws each and every day.

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 2019-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed.

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 2020-04-28
Company: Marlette Funding, LLC
State: DE
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
In XX/XX/2019 I made 5 payments up front to cover XXXX, XXXX, XXXX XXXX and XXXX payments, sending them a check for the total fixed payment that had already included interest. I made a {$1500.00} payment XX/XX/XXXX for my XX/XX/XXXX1st due date, my payment is XXXX a month a wanted the rest to be applied to principal. Best Egg took my {$1500.00} and applied the entire amount to interest only telling me that because they were charging me daily on all the payments I made upfront! In my XXXX a month that includes the interest and now they want additional XXXX for more interest because I made 5 months of payments up front! This company needs to be investigated!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: Resurgent Capital Services L.P.
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've been disputing inaccurate reporting on my credit report. LVNV FUNDING keeps saying I owe a debt, but I've never done business with them or XXXX XXXX XXXX.The account number is XXXX. I've sent certified letters requesting this company to adhere to The Fair Credit Reporting Act Sections 609 and 611, which state they have to validate that this debt actually belongs to me by providing the original contract bearing my signature and my social security number etc and how the debt was verified. They've yet to do so because they don't have this information. 
I DO NOT WISH FOR ANYTHING TO BE VERIFIED VIA E-OSCAR! 

They tried sending an invoice that doesn't include any information that is necessary to validate this debt by law. At this point, it's harassment, and I'd like this inaccuracy removed off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX 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 2020-09-11
Company: Complete Credit Solutions, Inc.
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 status incorrect

Complaint:
This company continues to put false information on my credit report. The amount is {$1100.00} that is on my credit report. The false information appeared on my credit report since XX/XX/2019, and I've tried dealing with them to get it removed. The company 's information is listed below. 

COMPLETE CREDIT SOLUTION XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2021-05-27
Company: DISCOVER BANK
State: FL
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 have disputed a Discover Financial Service LLC item on my credit report from XXXX several times, the last time being XX/XX/XXXX. I just received an email from XXXX rejecting my dispute, claiming it is legitimate. I have not had a Discover Card since about XXXX and have no idea where the charge of {$7600.00}. comes from. 
I submitted all this info, along with proof of address and other information that they requested, to both XXXX and to Discover, and my dispute keeps being denied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-04
Company: LAKEVIEW LOAN SERVICING, LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This has to be a strange chain of events. I was discharged from Chapter XXXX bankruptcy in XXXX of 2018. The reason I filed bankruptcy was divorce and XXXX. Over that time I worked extremely hard to get back on track with life and my finances. The house that XXXX serviced is still not sold but I was able to secure an FHA loan this XXXX and before my first payment, my new loan was sold to XXXX. Now Ive already been down the road of having to file multiple complaints against this company for debt contact or false statements on my credit report after the bankruptcy to the point that the state AG was involved. But how can I talk to this company when legally we arent supposed to talk and they already have me stuck on a title for a home I can not sell, they will not sell and is why I want FHA since mortgage cant use my VA loan again until they sell the home? 
On XX/XX/XXXX, I set up two things on their site. One was a one time payment which was scheduled for XXXX. The due date of the payment. The other is for automatic withdrawal. Ive been on hold for 34 minutes trying to talk to someone. My payment has still not come out of my bank account. Which btw, considering the past issues Im not sure its ethical for the bankruptcy business should have new access to my financial information moreover any access to my account - what if they try to take funds for the other account Im discharged from? 
Interest in a mortgage is a daily thing. Today is XXXX. Their site and the email confirmation said it would come out that day. The funds are in my account. I have validated no issues and called XXXX XXXX XXXX already. There is no pending withdrawal from this organization. I have been told by my bankruptcy attorney that is should not say yes to any questions from Them authorizing them to start harassing me again. Well how can I do that when again theyve purchased my new loan? Bankruptcy and recovery from it should not be his hard. Most people dont recover as fast as I did but I made it and Id like to not have to go through this personal XXXX again

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 2020-05-29
Company: Sequium Asset Solutions, LLC
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:
I recently get a phone this morning and they didnt leave me a message I called back and it was some company saying that tied in with XXXX which longer in business.the rep claimed that she had all my infomation and she wanted me to verify and she said she had my information which is wrong and my wife I both listen to her .my wife know it was scam she wanted me to pay {$140.00} which is not my debit.i told her that am temporary laid off because XXXX and I cant pay. Anything that she demanded me to pay I told what does understand about I dont have the money plus this my debit.my wife tryed to research the phone number is come up as a scam call and this person is calling from possibly a hotel room.am tried of this scam company calling me and trying to scam me .I want them to stop calling me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: Experian Information Solutions Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2018, I sent a dispute letter to Experian disputing the following accounts ( XXXX, XXXX, XXXX XXXX, and XXXX/XXXX. In my dispute letter, I asked for these accounts to be validated and Experian is continuing to report unverified information on my credit file. As of this date, the following accounts have not been validated. You had ( 30 ) days to validate this information, and you failed to do that. 

Experian only put a statement about fraud and identity theft on my credit file. I also went as far providing proof, and I sent documents to Experian in my dispute that I am a victim of Identity Theft, Experian failed to take my claim seriously. 

The unverified items listed above remain on my credit report is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. After asking for proof of these accounts, I have not been provided any original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ), a consumer contract with my signature on it, and under Section 611 ( 5 ) ( A ) of the FCRA, you are required to promptly delete all information which can not be verified. The law is very clear as to the Civil Liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumerand I fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2018-02-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My identity was stolen and a credit car was opened fraudulently in my name Bank name : XXXX XXXX XXXX XXXX. date open :XX/XX/2016 balance : is XXXX I have Provided FTC affidavit, police report and all documentation to credit Bureau experian has not taken this account of my credit and they are giving me a hard time this is now affecting my credibility and my reputation

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