BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-20
Company: PNC Bank N.A.
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:
This complaint pertains to the previous complaint, ID XXXX, filed several months ago. 

The complaint has partially been resolved. I received a cashier 's check in the sum of {$50000.00} a couple of months ago from PNC Bank mailed via XXXX. 

However, I have not yet received the interest that was lost due to BBVA 's failure to not renew the Time Deposit as requested by me. Instead, the account was closed without my permission or knowledge. This was done by BBVA prior to the conversion to PNC, and a cashier 's check supposedly was issued but without my request or knowledge. 

To this day, after having asked several times for this information, I still do not know who authorized and issued the cashier 's check and where it was mailed or given to. 

Please note that I am XXXX XXXX XXXX and reside in XXXX. I have not always received paper statements from PNC and just recently, with the help of my daughter, set up online banking, so I have not always been aware of all activities in my accounts. But regardless of this, I always trusted that my monies were in safe hands and never worried about something like this happening. 

This whole time, I was under the impression that my original CD had automatically renewed and was earning interest. At no time was I notified that the account had been closed out and that a cashier 's check had been issued. Had I not inquired about another issue recently, I would still not know. 

I am enclosing the following information for your review : XXXX. Time Deposit Maturity Notice XXXX XX/XX/XXXX. 
As requested in this notice, I did not respond to this because I wanted my CD to be renewed. 

XXXX. Letter from PNC, dated XX/XX/XXXX XXXX. Copy of Cashier 's Check XXXX dated XX/XX/XXXX I hereby request that PNC reimburse me for all the interest that I could have earned if the CD had been renewed as I had requested. This was clearly a mistake by BBVA and since it was converted to PNC, PNC is responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Experian Information Solutions Inc.
State: MI
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:
The data furnishers indicated that disputed accounts are accurate. However, they don't send any documentation to prove that the accounts are accurate. 

If they really validated the accounts, why is my credit report showing errors. Check the reasons for every accounts indicated in the attached documents.

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 2019-12-26
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I purchased a sandwich at a XXXX restaurant operated by XXXX on XX/XX/2019. The charge should have been {$7.00}, instead I was charged {$77.00}. I did not see this on the receipt I signed - I don't deny that it probably WAS there, but there was a line and I was trying to get out of it as fast as possible. I was verbally informed that the cost was {$7.00}. 

I attempted to resolve this directly with the bank when I discovered the error several days later. I filed a dispute for the difference. 

The dispute was denied in mid-XXXX. I called the bank and they told me that they did not contact the merchant at all. Their decision was that because the card was present the charge was not in error. 

Seriously? What is the point of a dispute process if the bank won't even do the bare minimum?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-19
Company: DISCOVER BANK
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My XXXX  year-old mother passed away last year and had a fiduciary/insurance agent supposedly taking care of her finances. As it turns out, he stole over {$750000.00} by using her bank accounts to pay off his own loans, debts ( XXXX XXXX Discover, XXXX XXXX ), mortgage, car payments, utility bills, family trips, eating out, and just about everything that he could. He brought his house out of foreclosure and sold it less than two weeks after she died. He then moved out of state ( without telling anyone ) to XXXX, TN. 
The banking records were received under subpoena as the man, XXXX XXXX XXXX XXXX : XX/XX/83 ), who was also appointed as the executor to her will, stopped responding to requests made by the beneficiaries as well as the attorney that he hired from the law firm that wrote my mother 's will. She had accounts at : XXXX XXXX and XXXX. 

He used my mother 's bank account to pay for his own credit card bills

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In previous responses ( XXXX, XXXX, XXXX ), the company ( FIDELITY CREDITORS SVC ) did not provide me with the requested documents.

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.

FIDELITY CREDITORS SVC did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I encourage a response from you expeditiously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: ALLY FINANCIAL INC.
State: NY
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 XXXX  account # XXXX, has violated my rights. 

15 USC 1681 section 602 states i have he right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not Furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2019-12-26
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 30 ) days late on XXXX XXXX  account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance due. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2022-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
On XX/XX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

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 2022-01-21
Company: T.S. Holdings
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things in my credit report. To this day over about 2 months later, I have yet to receive a response. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives me a reason to immediately remove these items from my credit report. It's been about 2 months now so they should be deleted promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress that was caused to me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person. I AM NOT USING A CREDIT REPAIR COMPANY, I AM REPORTING THIS VIOLATION ON MY OWN BEHALF. I'VE ATTACHED MY LETTER, AND A UTILITY BILL FOR FURTHER VERIFICATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: Evergreen Financial Services Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The collector contacted my brother in law today on XXXX/18 to try and collect my debt even though they have my phone number and address and i have confirmed it for them via telephone multiple times. I do not owe this debt and have tried to dispute it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I was referred to apply for my Amex Everyday card on XX/XX/2019 and was advertised that after spending {$2000.00} within the first 3 months, I can receive XXXX Membership Reward Points. But after I met the spending requirement, they refuse my sign up bonus with no specific explanation, stating that I misuse the rewards program which I never have done so. Before I applied for the card I have only had a Delta Gold account with Amex and never closed it or downgrade it. I use it to purchase tickets from Delta occasionally and it was very helpful to save my checked bag fee. I loved Amex cards so I decided to apply for Amex gold to use it for restaurants and grocery purchase as well. But in the end, this turns out to be a quite disappointing experience. Also, their customer service also gave me misleading information, I called them many times, some told me to rest assure because I need to wait for about 8 weeks for my welcome bonus to be posted, but in the end, they were just declined with no clear reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-21
Company: LendUp Loans LLC
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have been doing business with XXXX XXXX XXXX for several years and never had a problem until 9 months ago. I have a couple of Bank Accounts listed to pay a credit card I have with them and everytime I pay them they state it has been returned for no ACH funds. I pay over 20 bills per month all the time with no problem but this company will not take money from my account and keep charging me for returned funds. They also will not call me and I have asked several times. 
I spoke with someone 4 months ago but the problem they stated was fixed but it is not. 
I work with XXXX and this is hurting my credit because of this nonsense. They are committing some type of fraud by saying they can not collect funds, but all my bills are paid every month. I may lose my clearance if I can not get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have been unable to use my American Express virtual gift card with {$370.00} since XX/XX/XXXX. I called American Express 6-8 times over the last 8 weeks. Im always told that the card is fine and that it was the particular merchant. One time I was told that it was the merchant on XX/XX/XXXX had placed a pre authorized hold on the account that must not have been lifted. I reached out to that merchant and they promptly responded that this was an American Express issue. 
Ive tried using the card in store and online through a variety of National Chain merchants. 
There is no higher up to investigate or take my call and they will not issue me a new card. 

I have called several other times in XXXX, but would have to pull my phone bill. 

XXXX 45 minutes XXXX 25 minutes XX/XX/XXXX 7 minutes XX/XX/XXXX 14 minutes

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
On XX/XX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

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 2023-08-19
Company: EQUIFAX, INC.
State: MO
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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 XXXXXXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2019-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on XXXX XXXX   account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance due. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2018-01-06
Company: Conn's, 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:
After finding multiple accounts reported to my credit reports from a company named conns out of Colorado. I filed a fraud paperwork and the police report in XXXX XXXX and said all documentation conns requested to fix the issue and still they wont remove the accounts. They are not my accounts. I spoke to them multiple times and still nothing has been resolved. The accounts were opened in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts and inquires due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

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 2019-12-26
Company: ONEMAIN FINANCE CORPORATION
State: SC
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:
SECOND REQUEST : I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Two previous mortgage payments ( XX/XX/XXXX and XX/XX/XXXX ) are being held in " unapplied amount '', and my statement is reflecting these as " past due ''. However, the unapplied funds exactly equals the past due amounts. I have contacted the servicing company (  LoanCare ) on two separate occasions ( XX/XX/XXXX and XX/XX/XXXX ). Each time I was assured the payments would be applied, the second time the agent even spoke with a supervisor. Each payment was for the amount due ( no late charges are due or outstanding ), and no one could explain why my payments were not being applied.

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 2019-12-26
Company: EQUIFAX, INC.
State: CO
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:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 ) days late on XXXX XXXX   account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance due. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: EQUIFAX, INC.
State: TN
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:
On XX/XX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation