BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-05
Company: Receivables Performance Management, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX of 2017, I chose not to move forward with XXXX as my cellphone carrier. I had a certain amount of days to return an XXXX XXXX XXXX ( 128 GB ) before I was no longer allowed to get out of the contract. The device was returned to XXXX corporate store in XXXX, NY. The XXXX customer service representative that assisted me that day, whom was responsible for properly documenting that the device was returned, failed to do so. From XX/XX/XXXX to XX/XX/XXXX, I contacted XXXX over 10 times to notify them that I no longer had that phone in my possession. In XX/XX/XXXX, to my surprise, I got a letter in the mail stating that XXXX sent me to collections using the agency XXXX XXXX XXXX XXXX XXXX XXXX. I contacted them on the day ofXX/XX/XXXX through email, sending them the receipt that proved that I returned the device, and they ignored it. From XX/XX/XXXX up until now, I have been fighting both XXXX and XXXX and there has been no corrections to 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 2021-09-09
Company: EQUIFAX, INC.
State: GA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN, XXXX The information include above is reporting incorrectly via my credit report. Please update and remove inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, MrCooper received my qualified written statement ( written XX/XX/XXXX and acknowledged it on XX/XX/XXXX ) regarding Force Placed Flood insurance on my home. FEMA updated the maps in our area on XX/XX/XXXX but our portion of the zone was re-validated from prior XXXX submitted by the developers of our neighborhood in XXXX. All this information was sent to MrCooper, but MrCooper still paid the Force Placed Flood insurance on XX/XX/XXXX iao {$1900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Experian Information Solutions 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 according with the Fair Credit Responding Act the following companies has violated 15 U. S. C 1681 A. Section 602 1 : States I have the right to privacy 15 U. S. C 1681 A. Section 602 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN, XXXX The information include above is reporting incorrectly via my credit report. Please update and remove inaccuracies.

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 2020-08-03
Company: EQUIFAX, INC.
State: IL
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/2020, XXXX reported me as deceased to credit bureaus. I disputed with XXXX and credit bureaus. Equifax is refusing to remove account status as close due to consumer deceased. I have submitted 3 disputes. Dispute dates XX/XX/2020 resulted in Equifax stating the deceased comments would be removed. Then Equifax sent a letter stating the deceased information was verified and updated. I am not deceased and the account never closed. XXXX said all information has been corrected yet current report for XXXX and Equifax shows this account as closed due to consumer deceased. XXXX has updated and corrected data. Creditors and bureaus are violating my rights under FCRA. No agency is reporting me deceased. The account is active and Ive received a credit limit increase. Ive checked with SSA. I have spent money submitted documentation to these bureaus and creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: SUNTRUST BANKS, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Please provide me a copy of the most recent version of the document titled Loan Modification Agreement originally recorded on XX/XX/2010. Additionally, please confirm if this document has been endorsed, providing a copy of the endorsement, allonge and bailee letter ( s ). 

Thank you, 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 2021-02-09
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I send several letters to this debtor and they refused to remove the negative mark from credit report and refuse to properly validate that the debt is owe to this agency. The statue of limitation in the state of Florida is 5 years for debt collection they failed to identify themselves with license to collect in the state of Florida and they refuse to provide proof of signature and ownership of the debt. They violated the XXXXederal Credit Right Commisions Act prohibitions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: JPMORGAN CHASE & CO.
State: WY
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:
To whom this may concern : I have had an on-going credit card dispute with Chase since a charge was posted to my credit card in XXXX. I was sent a notice letter from Chase on XXXX XXXX and given until XXXX XXXX to reply with any information that could help them to resolve my dispute with the merchant. I replied on XXXX XXXX with the form filled out and accompanied it with all of the information attached to build my case ( see attachment below ). I received an automatic reply from Chase XXXX XXXX XXXX see attachment below ) saying that my message was received, giving me every reason to believe the message was indeed received and to not contact them further due to high volumes of requests they are receiving. I then received a letter on XXXX XXXX saying that the charge was valid. I proceeded to send them a message questioning this. I heard nothing back so I called them on XXXX XXXX. The Chase employee told me they have no record of receiving my initial message XXXX XXXX though I can clearly see it on my end in my Message Center on their website and was even sent an auto-reply from Chase that I have in my inbox dated XXXX XXXX that says " We received your message ''. I now also have taken a video of it along with the screenshots below. She said not to worry, submit all of my information again and they will re-open my claim. I get a message today, XXXX XXXX saying that I am being rebilled for the initial charge because too much time has passed and the charge took place too long ago. I phoned them because I have adhered to all of the required deadlines to reply to them on time, it is them who took too long to respond to me. Too much time has passed because of Chase 's lengthy response time and faulty website, not because me as a consumer took too long. It is crazy how unhelpful they have been and that they state so matter of factly that there's simply nothing they can do at this stage and they don't see what I see on my webpage neither do they have any record of receiving anything from me XXXX XXXX when I literally have proof that's what I see on THEIR website. 

It's a lot of money and to lose this money not at the fault of the merchant but now because of how Chase has faulty procedures and is so unhelpful, is incredibly upsetting. You want to bank with companies because they should be on your side and help in situations such as this. During COVID, it's extenuating circumstances, I've been patient while this process drags on for months now. But when they as a company make mistakes and take long, they should accept the mistake as their own and resolve them with their clients. 

I look forward to hearing from you at your earliest convenience and thank you so much for your help. Stay safe. 

Best regards XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: PNC Bank N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
PNC BANK N.A . is criminally liable an has willfully and knowing 15 USC 1611 ( 1 ) broke federal laws by unauthorized use of my credit card 15 USC 1602 ( p ) because I never benefited from the consumer credit transaction 15 USC 1602 ( i ) I initiated with PNC BANK N.A . during initial communication it was never disclose that this is an attempt to collect a debt. All shown in exhibits. PNC BANK N.A . has violated federal law 15 USC 1692c ( c ) by calling me after receiving cease and desist through the mail on XX/XX/2020 and receiving a CFPB Complaint portal on XX/XX/2020 admitted to the actions which is a violation of federal law shown in exhibits. PNC BANK N.A . has violated federal law 15 USC 1692b ( 2 ) stating that me the consumer and natural person owes a debt which violates federal law by an agent from PNC BANK N.A . admitted to the actions in writing which is a violation of federal law shown in exhibits. In exhibits shows how PNC BANK N.A . are criminally liable for their action violating 15 USC 1602 ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. I am the cardholder 15 USC 1602 ( n ) The term cardholder means any person to whom a credit card is issued or any person who has agreed with the card issuer to pay obligations arising from the issuance of a credit card to another person. Allowed PNC BANK N.A . to use my Social security card 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Shown in exhibit how PNC BANK N.A . only benefits from the consumer credit transaction by collecting on a debt that is not owed by the consumer natural person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
REMOVE FRAUD ALERT FROM XXXX, TRANSUNION, 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 2022-01-05
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I closed a checking and savings account with PNC BANK XXXX XXXX and while i was closing the account XX/XX/2021 the bank account charged a fee of {$40.00} which was then waived. PNC Bank however is attempting to report my closed accounts to a consumer reporting agency. I spoke to PNC bank directly that has assured me there is no pending balances or unpaid charges on the account. The account numbers are XXXX and XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-06
Company: EQUIFAX, INC.
State: MI
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:
Equifax is reporting that I have late payments for my XXXX card. I contacted XXXX and the are stating that my account is in good standing and has been with NO reflection of late payments. I have tried over and over and finally have nowhere else to turn for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have disputed the following fraudulent inquiries about a month ago, however, the credit agencies updated my report as verified. In accordance with the FCRA, a company must provide physical documentation in order for the up date to be valid. And I never once received any type of physical documentation, therefore the inquires in dispute should be permanently removed and them inquires are, XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), and 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 2018-04-12
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I applied for HSBC checking account on XX/XX/XXXX. I received email on XX/XX/XXXX that my application was approved. 

I applied because HSBC was adverting on XXXX and other websites that I can get {$350.00} dollars if I : Deposit a minimum qualifying balance of {$10000.00} or more in new money in combined checking and savings accounts within 30 calendar days of account opening and Maintain at least the minimum qualifying balance for 90 days from the date you deposited the minimum qualifying balance I completed both requirements but I did not receive promised {$350.00} bonus. 

I called several times customer service and also email them and chat through there online website, but so far they completely ignore my requests for bonus. 

I called XX/XX/XXXX and the hsbc person promised to send my complain to back office and told me someone will get back to me from back office. When I called back 2 weeks later on XX/XX/XXXX the new customer service told me that previous customer service did not make any notes about my complain and back office do not call customers, that she lied. 

Now it been 2 more weeks after I made new complain and no reply to me not receiving promised {$350.00} bonus. 


Also it took them 2 months to send me debit card because according email they send me : " Dear XXXX XXXX, Thank you for submitting an online application with HSBC Bank USA, N.A. 

Between XX/XX/XXXX and XX/XX/XXXX, HSBC experienced an application error that resulted in your ATM or Debit card selection to be missing from your application. We are contacting you as your application was impacted. '' Also they were withholding taxes from monthly interest, I had to go to branch to correct that. 

HSBC should be investigated for their online applications system not working properly and not giving promised bones for opening new checking accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My 3 credit cards from CITI bank were abruptly closed on XX/XX/XXXX. I  have contacted CITI to inquire about the reason for the closure. However CITI hasn't provided any reason. In addition to the closure, CITI has also forfeited more than XXXX Thankyou points I have earned over past 5 years. And again CITI hasn't provided any reason and refused to retract the decision for the forfeit.

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 2021-02-21
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have submitted a dispute regarding collection accounts to Experian,XX/XX/XXXX and the XX/XX/XXXX credit bureaus.On my 3rd dispute attempt I sent the actual status updat of the collection accounts were actually closed prior to the 1st initial dispute request in XX/XX/2020. 
I have requested the deletion of the accounts based on the accounts not being verified or the client being forced to update the accounts. 
I submitted my 2nd dispute request with the 3 major credit bureaus with no updates. Through frustration I have submitted the court documents to prove the accounts were satisfied and should be removed based on the intentional incorrect reporting.

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 2020-08-03
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Hi, I just tried to link my bank account to XXXX payment services used by my building for making rent payments, and it said the bank ( PNC ) has made changes that prevents doing that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
syncrony bank is calling me constantly claiming i owe them money but i dont ... .they are basically harrassing using machines to call me from XXXX to XXXX 7 days a week ... all my accounts are current

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 2022-01-05
Company: EQUIFAX, INC.
State: GA
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:
Hello, my name is XXXX XXXX & I'm a victim of identity theft. I want the accounts & inquiries that I did not authorize to be deleted from my credit report immediately. I have reported the theft of my identity to the federal trade commission. I have enclosed copies of everything. Please delete the accounts & inquiries immediately, please!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: Experian Information Solutions Inc.
State: AR
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 recently received a letter from XXXX XXXX XXXX XXXX of accusing me of using a credit repair company company after disputing fraudulent accounts reporting on my credit file. Experian also sent a letter in regards to my dispute that they will not honor my request due to it being made in error. Experian has received several pieces of supporting documentation which included an identity theft report which is considered a government agency report. XXXX has also denied or refused to honor my identity theft report from the federal trade commission which included several fraudulent accounts XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. XXXX/XXXX/Experian also has failed to update my personal information which still displays several inaccurate addresses I were never associated with. I find this response from XXXX/Experian unethical and straight biased considering the lack of proof they have supporting their claim. XXXX/XXXX/Experian has not provided accurate verification, blocked, or adhered to any of the laws governing the Fair Credit Reporting Act. This is unacceptable and XXXX XXXX/Experian Should be held liable

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