BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-08
Company: PNC Bank N.A.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
We are trying to connect our PNC accounts with other institutions who are using the XXXX   XXXX  to do so, but PNC is not allowing these connections to be made. It makes banking unnecessarily difficult and is therefore very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
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: Was not notified of investigation status or results

Complaint:
EXPERIAN fail to investigate items on my credit report

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 2022-11-30
Company: EQUIFAX, INC.
State: DE
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 having fraudulent information on my report that I've tried removing for months. I've provided everything and still no remedy. What can I do to change this?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXXXXXX 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 2022-07-05
Company: FIRST ADVANTAGE CORPORATION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I've been trying to place a security freeze on my First Advantage consumer report via email since at least May and I've been ignored three times already. I first called and was provided a form to fill out along with supplying a form of identification and proof of address. I sent all of the documents to XXXX as instructed to and I've never heard a response back. I've tried calling again, but their phone support doesn't process or have access to security freezes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Portfolio Recovery Associates, XXXX has been sending me letters with violations to 15 USC 1692. I have enclose letters that I have of Portfolio Recovery Associates, XXXX violating these laws.The laws that they violated were 15 USC 1692b ( 5 ), 15 USC 1692b ( 2 ), and 15 USC 1692d ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: PlusFour, Inc
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I HAVE RECEIVED A LETTER FOM PLUS FOUR INC, A DEBT COLLECTOR CLAIMING I OWE THEM XXXX FOR SOMETHING MY INSURANCE SHOULD HAVE COVERED.REFERENCE # XXXX. I ALWAY PAY ALL MY DEDUCTIBLES PRIOR TO SERVICES RENDERED, PLEASE QUIT BOTHERING ME WITH THIS BOGUS CHARGE, I AM SSDI, MAKING MY INCOME FEDERALLY PROTECTED FROM SCAMS LIKE THIS.

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 2021-05-20
Company: EQUIFAX, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
I have received a copy of my credit report and it shows company XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$580.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: Medical Business Bureau
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This debt collector by name Medical Business Bureau MBB, did not provide a right to dispute in the collection notice they sent to me. They claimed they have removed one of the alleged debt account but they need to also remove the remaining four. The reference numbers are XXXX, XXXX, XXXX and XXXX. They have also not validated any of the alleged debt accounts just listed, despite the attached certified letter to that effect, which by the way they received over 45 days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XXXX they had sent me my escrow analysis, when i had gotten it i had realized there was a {$460.00} overage i had called customer service plenty of times only to be told that they would adjust my account and call me back and no one ever follows up or ever calls me back. This is really very unprofessional and not wright i have even spoken to managers there who had promised to follow up with me only to be left hanging there. 

Bank is Flagstar Bank XXXX my loan file 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 2022-11-30
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit 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:
XX/XX/2022 I got a statement from Comenity National Bank for account # XXXX, a rewards credit card for XXXX 's XXXX. I immediately notified them by phone that this was a fraudulent account, and after hours of being transferred, I got through to the investigations department who assured me that they were closing the account and I wasn't responsible for the charges. I reported the identity theft to the police, I have a police report. I notified the XXXX credit agencies and froze my credit. At the time, my credit score was XXXX. At the time I also got inquiries from XXXX Bank and XXXX, who also manage store credit cards, but XXXX contact to each of those ended the new inquiries. Comenity sent me a form for me to fill out in wiriting, and attach a copy of the police report, which all was completed in XXXX, Meanwhile, the thief continued to charge purchases at XXXX XXXX and attempted at least XXXX more stores managed by Comenity. My credit score is currently down to XXXX. Comenity is still calling me about the " past due charges '' on the XXXX XXXX XXXX account and when I called the fraud department this week, they told me the investigation had been closed and it had been decided that I owed the charges. I was never notified in writing that the investigation had been closed. I doubt I'll be able to undo the damage to my credit score but short of spending hundreds of dollars on a lawyer I hope there is a way to make the bank do what they're supposed to do. Comenity manages credit cards for over XXXX retail companies and they are clearly having issues managing

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-26
Company: Experian Information Solutions 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:
I sent a dispute to XXXX XXXX in regards to account number XXXX and XXXX , XXXX , and Experian. asking to reinvestigate information. Experian sent me a letter saying it will no longer investigate this account. I now have proof that the investigation was not taken seriously. all credit bureaus did not do there separate investigation per the FCRA. they let XXXX XXXX send false and inaccurate info and they also change the date of first delinquency to cover it up. I have a copy of before and after I disputed and the changes that were made. in the payment history sent to me by XXXX and there was a 30 late in XX/XX/XXXX for non payment in XX/XX/XXXX. it also reflects in my old credit report. they had that info changed or not reported. so now they can say the first date of delinquency is XX/XX/XXXX. they also hade different account numbers on different credit reports the other one was XXXX. the credit bureaus allowed them to change that instead of have them delete it due to inaccuracies and incomplete information per 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 2023-03-24
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
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: Account information incorrect

Complaint:
I have an account with XXXX XXXX and they have a late reporting on my credit report. XXXX XXXX   charged me for overdraft protection that I never signed up for.

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 2017-09-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
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:
About XXXX XXXX, 2017. I paid {$290.00} for a 5 year contract to someone online to fix my computer and keep it working good. About 2 weeks later a man called and said the software he installed was n't compatible with my computer and that he would uninstall it and refund my money. Instead of refunding my money he got access to my Online Banking and was able to trick me which allowed him to take almost {$3000.00} from me. Bank Of America says it was not fraud that caused me to lose the {$3000.00} and I have decided that I will not fight that issue any longer. The issue I have with the credit card company associated with Bank Of America with card ending with XXXX is that the {$290.00} was a fraudulent charge. The company at first refunded the money but now have charged the amount back on the credit card. I received a letter on XXXX XXXX, 2017 requesting more in formation about the matter and stating that I had until XXXX XXXX, 2017 to submit additional information. I submitted that information but there was no way to submit it by the deadline they indicated. The charge was reinstated on XX/XX/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 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
1 ) XXXX  XXXX BANK, XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXXXXXX BANK ; XXXX # 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing 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 XXXX years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any 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 non-monetary relief
Consumer complaint received 2018-12-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Mortgage fraud and unfair business practice against Select Portfolio. On XX/XX/XXXX, Select Portfolio sent a letter stating to contact them for Mortgage Assistance and resolution. I contacted Select Portfolio and they stated there's no options available and that the Mortgage issue has been referred to an Attorney for Foreclosure. 

Select Portfolio and XXXX XXXX  has committed Mortgage Fraud. XXXX is still the Lender of my Mortgage loan. Select Portfolio stated they are not the decisoin makers, XXXX XXXX  is the decision maker. This method is very unfair and XXXX is not in compliance in allowing me the opportunity to address my mortgage balance of {$84000.00}. XXXX sold my mortgage as a bond to Select Portfolio for {$240000.00}. My issue is XXXX is doing the same mortgage fraud they were fined by the US Government. XXXX is shielding all responsibility of my mortgage issues through Select Portfolio. 

Please add my name to both the two Class Actions suits against XXXX and Select Portfolio. Select Portfolio refuses to resolve this issue. It is time for the Consumer Financial Protection Bureau to fine both of these Mortgage Companies. XXXX was given the Bail out money to assist me in the HARP but has failed to do this. I was given a 36 months fixed 1 percent for Military Assistance program since XX/XX/XXXX through XX/XX/XXXX. XXXX and Select Portfolio is not taking responsiblities for their wrong doing. 

The Georgia State Attorney General advise me to submit a Mortgage fraud suit and to hire an attorney to sue both companies. 

Select Portfolio told me tonight they are not willing to assist me in this matter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Validate Chapter XXXX Bankruptcy XXXX..Please view verify and validate any and all information for this alleged account, all dates and all balances, regardless if reported or not .. Further, ensure act has adequate 436 digit P6 statement and five part personal identifiers

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 2022-11-25
Company: NAVY FEDERAL CREDIT UNION
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: Account status incorrect

Complaint:
XX/XX/2021 Amount : {$25000.00} Action Taking by Certified mail

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: CITIBANK, N.A.
State: PA
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:
on XX/XX/24 citibank inquired my credit score and gave me a hard inquiry for a credit line increase i did not request. Tried contacting citi bank to report it as fraudulent and was told nothing can be done.

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 2021-06-07
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Since the pandemic started we have been living paycheck to paycheck. We never asked the bank for help as we were able to nearly get by till our next paycheck. However in XXXX the bank started putting {$1100.00} in our account and calling it a temporary XXXX relief credit. We never asked for it or agreed to it. But we didn't know this was happening until we got a letter from the bank stating they were ending the relief credit. I checked the account and saw this had been going on for almost 3 months. The letter explained they did this to help people with a negative balance in their account to get their full stimulus check. We didn't get the letter or know this was going on till I got paid from work and noticed i only had a couple of XXXX in my account when there should have been at least a {$1000.00}. That morning is when we got the letter and already spent our stimulus money. While this was happening but didn't know anything about this till after we had drained our account to only a couple XXXX left. After they took the {$1100.00} back out of our account, our account don't show these credits and caused our account to become seriously overdrawn. It also caused our house payment to bounce and incur a large amount of late fees. Now our account and all our bills are incurring late fees and large amounts of overdraft fees. I personally talked to XXXX members of the bank to try and get help and one did stated they did this to help and also stated others had the same thing happen to their account. All this should not of happened without anyone knowing what was going on till the last minute. I should have been given an option to opt in or out of the temporary credit or at least been notified before they took it upon themselves to try and help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-29
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:
In XX/XX/XXXX, I was XXXX to XXXX, XXXX and forward XXXX to a hostile zone ( orders attached ) during that time XXXX XXXX XXXX reported that I had been late for a {$12.00} dollar credit card bill. I was not aware nor able to know that the bill was past due since I had no form of communication and did not receive a letter. In XXXX, the National Defense Authorization bill included updated language in the FCRA which " extends consumer credit protections to active duty armed and uniformed consumers to dispute adverse actions or inaction on their credit report that occurred while they were in a combat zone, aboard a U.S. vessel, or away from their usual duty stations. I had requested through XXXX XXXX XXXX to remove the item and through Experian and XXXX and XXXX however they said that the bank verified it was valid. the credit bureaus did not take into account the new updated fcra guidance and solely went off of what XXXX XXXX XXXX had reported to them.

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 2022-11-30
Company: EQUIFAX, 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Contacted Experian regarding an account revolving XXXX XXXX as account to be corrected as PAID ON TIME. 1ST ATTEMPT WAS IN XX/XX/2021 ... NO RESPONSE. as possible finance corporate submitted a request to fix it delete from file. Another request has been sent XX/XX/2021 for the same request. No response from Experian

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