BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
After checking my current credit report, on XX/XX/XXXX I contacted Transunion again in hopes to resolve an ongoing mistake on my credit report. I was not able to fully understand the name of the person I spoke to due to it being a huge language barrier between us and as I could tell she was not a Native to the U.S. There were multiple unauthorized inquiries on my credit report that has re appeared without notice. They I was notified originally during two separate system breaches that the inquiries had appeared ( one in XX/XX/XXXX and also again in XX/XX/XXXX ). I eventually got them rightfully removed but as mentioned above they are back. I would like to have them removed because they are not authorized to be there. I am very familiar the FCRA and my rights as a consumer and I no longer want this reflecting on my report. 

Name : XXXX XXXX DOB : 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 2019-07-23
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
PNC Bank offered me a checking account, which I opened with a {$100.00} deposit in XX/XX/2019. After receiving my ATM card, I tested it by depositing {$10.00} cash into an ATM. Thereafter, I received a letter with no explanation from PNC stating that my ATM card was closed. In addition, PNC did not make the {$100.00} nor the {$10.00} available to me. OnXX/XX/2019, PNC Bank 's " claims department '' withdrew my {$110.00} and kept it. 

PNC Bank refuses to discuss the account. PNC Bank violated the terms of the deposit agreement and the Funds Availability Policy. 

I engaged in no action to warrant PNC 's breach of fiduciary duty. 

PNC also appears to have used consumer reporting agencies without disclosing the identity of said agencies in contravention of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
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:
Dear madam or Sir ; I have been out the XXXX for time now. I decided to come back home to Florida to Purchase Property for me and my Family. I check my credit. I notice these accounts that I did not authorize. This is Fraud. I never had any Business with these Companies. Someone use my identity without my authorization This is Wrong ; Now I'm here dealing with the stress of being a victim of identity theft. something needs to done about the fraud in Florida with people Stealing identities and Companies are letting them get away with it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: Direct Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I am being threatened to be taken legal action outside office, but wont give information, I got a call from " XXXX XXXX '' stating I needed to call them because after XX/XX/XXXX the matters will be taken care of outside of the office etc, I called the number provided in the recording which is XXXX and someone answered so I asked where I was calling and they stated direct recovery service, so they said How can I help you, when I stated I was returning a phone call but wanted to know where and who was calling THEY SAID " i JUST TOLD YOU '' and rudely hung up the phone.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Here is email I wrote to XXXX XXXX defining my complaint. 

XXXX XXXX, I am reaching out regarding your companies numerous non-compliant attempts and calls made to my cellular telephone via a automated/predictive dialer. I have requested multiple times that my cell phone XXXX not be called through any non-TCPA COMPLIANT,  automated and/or predictive dialer system. This is not a cease and desist request. Your reps may call me all they want as long as it is a manual type dialing attempt and meets any regulating bodies guidelines. During my communications with your company Ive been harassed ( defined by consumer ), been mislead ( UDAAP ), treated poorly by upper management and shown why 3rd party collection agencies that do the right thing are at a disadvantage due to companies which you head the compliance team. What really amazes me is how your company continues to treat me poorly even knowing my experience in 3rd party collections. Im willing to speak about my situation but not how your company chooses to brand their image. I am looking into legal avenues to make sure youre fined and multiple CFPB COMPLAINTS and all methods to help your company understand the value of being compliant. I hope your company has saved all calls for you to review.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: GREAT LAKES
State: AP
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am a XXXX yr old military spouse living overseas. I work for a credit union and teach college part time. I 'm educated, and proud of my education, but have a huge issue with my final student loan ( I 've paid off 5 others ). The purpose of this email is to call out student loan companies and how they gouge students in the repayment process. Example, my student loan is through Great Lakes. The details are below. 
Original Loan amount : {$18000.00} Amount Paid : {$11000.00} Remaining Balance : {$20.00}, XXXX Those numbers might not mean a lot to you -- but when this loan was taken out in XX/XX/XXXX and it 's now XX/XX/XXXX -- it 's more than disheartening and sickening on how much I 've paid vs. how much is still owed. While my husband and I do ok for ourselves, imagine the younger generation being stuck with a loan such as this after years and years of repayment. Yes, I went into deferment twice, yes I delayed once -- but have been paying solid for several years. You can see that just by the amount that has been paid back. It makes me ILL knowing they are allowed to do this and my balance is not even XXXX penny lower than when I took out the loan now nearly 11 years ago. If anyone needs I would be MORE THAN happy to provide statements for the past several years. 
I 'm not asking for a hand out, I will pay my debts. If I do n't pay -- I 'm at fault. When I 've paid that much toward this loan that only rises ... it 's simply not fair. Imagine if car companies, credit card companies, home lenders were allowed to do this..but for my student loan it 's ok?? 

Thank you for your time,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Received email on XX/XX/22 at XXXX that an account was created in my name. a second email was received that an online profile was also created. the bank is Truist. I have no dealings with this bank nor did i authorize any account being opened. i have tried to contact the bank with no response.

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 2018-09-04
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
All loans through XXXX college are bad loans and have requested to have the amounts and loans removed from my debit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently ordered my credit report form Transunion and i noticed some inquiries that i did not authorize. Such as 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. I 'm not aware of any these inquiries that has shown on my report.It 's cause significant damage to my credit report. I 've reached out to Transunion multiple times and stated that these inquiries does n't belong to me. I asked them to delete these inquires immediately. I 've put out fraud alerts reports in XXXX and XXXX because of situations like this.Someone stole my identity multiple times and opened false accounts under my name that I had to file a police report for. These inquires should be removed immediately since it 's against federal law ( Fair Credit Reporting Act-15 USC 1681n ( a ) ( 1 ) ( B ) to report false information 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 2018-01-11
Company: I.C. System, 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 checked my credit report and noticed that XXXX XXXX reported an unpaid debt that was not owed by me. XXXX XXXX reported an unpaid debt that was not made by me. I sent a letter out to the collection agency that is holding the unpaid debt ( XXXX XXXX ) on XX/X/2017 asking them to verify and validate all info stating that the debt was mine within 30 days. I never recieved a response.

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 2021-02-18
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Hello, I have a business loan with Wells Fargo Bank which I have had since 2015. The loan has been through automatic draft pay through my commercial checking account with Wells Fargo. When I visited two local branches in XXXX, Florida. I was informed I can not view the account on-line or receive monthly statements. I spoke with both branch managers and had the situation escalated. After waiting 3 days I received a call from both managers and was informed they could not provide access to my account or a printout of the monthly payments I had made over the previous five years. I was told only a screenshot would be mailed to within 7-10 days. I am concerned of fraud and/or not receiving credit for the 5yrs of payments I've made to Wells Fargo. Further more, I need to calculate interest paid for tax purposes.

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 2022-08-14
Company: EQUIFAX, 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:
I've reached out to XXXX numerous times by mail with return receipt to have these unauthorized inquiries removed : XXXX. XXXX - XX/XX/XXXX -- XXXX XXXX  XX/XX/XXXX -- I've also tried to have them remove these CLOSED ACCOUNTS -- XXXX {$4700.00} XX/XX/XXXX XXXX XXXX {$5400.00} XX/XX/XXXX -- XXXX {$2300.00} XX/XX/XXXX -- XXXX {$1400.00} XX/XX/XXXX -- XXXX {$6400.00} XX/XX/XXXX -- XXXX {$9300.00} XX/XX/XXXX. One late payment showing XXXXXXXX XXXX XXXX  XX/XX/XXXX -- I also attached federal laws 15 USC 1681A ( 3 ) -- - 15 USC 1681A ( 4 ) and they STILL haven't removed said items!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: AMERICAN EXPRESS COMPANY
State: TX
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 used XXXX charge card to make a purchase of XXXX XXXX membership on XXXX XXXX XXXX. I had an offer " Spend $ 99+, get 5,000 Membership Rewards Points '' and it was attached to the card before the transaction as required by XXXX . However points did not post and I did not receive a confirmation that I used that offer. I contacted XXXX in regards to this issue and they opened a case and started investigating on XXXX XXXX XXXX. I also provided a receipt from XXXX with the description of that transaction for XXXX. It has been more than a month and that case is still pending. It is annoying to keep thinking about those points and transaction. I want XXXX to give me 5000 Membership Rewards Points as they promised and also add 5000 same point as a courtesy for all this disturbance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-24
Company: Linebarger Goggan Blair & Sampson LLP
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was told by a Linebarger Goggan Blair & Sampson, LLP consultant that i had to pay {$200.00} to lift my hold to recieve my licence then to make a $ 50 monthly payment, in whixh i made one payment, to keep the hold off and that they were gon na fax something to the dmv to lift the hold. I found out today that that was not the case by calling XXXX justice court and the dmv. 
Conversation should be of been recorded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
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: Account information incorrect

Complaint:
XXXX, 2017 was the date of signing the bankruptcy. The amount of the charge-off was {$620.00}. I have asked the credit card company to change the statues from a charge-off on the account with the credit card ; but they refused to change it on my credit report from last year. I have several payment statement receipts showing that I have made payments unto the account was paid in full. I had put the account through a bankruptcy ; but then I had the bankruptcy dismissed by asking the judge to cancel the bankruptcy completely.

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 2022-01-11
Company: Paypal Holdings, Inc
State: DC
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:
After being unable to add my banking information, I reached out and was told that there was a block on my account. He told me that he removed it and that I would be able to add my banking information. I still was unable to add my banking information so I had to reach out again wasting more time. I finally got through to XXXX who has no idea why I'm having to go through this entire process a second time. There's no accountability at PayPal. I was told that I needed to be transferred to TWO more departments to close my account. I am tired of having my time wasted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: CREDIT ACCEPTANCE CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Sales Consultant : XXXX XXXX XXXX XXXX XXXX So I was trying to go through a fresh start program with XXXX XXXX XXXX.. I received several phone calls and text messages stating that the program was and income based program and no credit check was involved. I was told that I had to be in XXXX by XXXX XXXX ... 

I have given this company all of my personal information. My identity is now at risk for this fraudulent advertisement. They are trying to legally steal my identifiable information. 
Someone please stop this company from stealing peoples indenture. 

They ran a hard inquiry on my credit after saying that the program was not based on credit. They came back and asked me for tags, titling and processing fees after telling me that the program was 100 % financing. 

They have wasted my money for travel to there office and my time. I asked them several times if I needed to bring any cash deposit and I was told no. 

Im a service connected XXXX and they would not give me my information back. I want this company sued and for them to release every customers information back 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 2021-09-09
Company: ERC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Collection Account was added to my credit report and I have not received any writtten notification, which violates my right to dispute and request debt be validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: Affirm Holdings, Inc
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
On XX/XX/XXXX I scent in {$500.00} dollars to a company Affirm it's a on line banking company they scent my my {$500.00}. dollar deposit but are now claiming it for me to save my XXXX dollars. I've been on the phone & on XXXX trying to get my money back. But they wont help me. I was lead to believe I could use this to buy item. But that's a lie. They just want your money. My Credit Union XXXX XXXX won't help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: Transfinancial Companies, Inc
State: LA
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:
UponpullingmycreditreportsIfoundthatTransfinancialhadplacedtwoaccountsintheamountsof{$940.00}and{$330.00}onmycreditreports.IthendisputedthisinformationwiththecreditbureausasIbelievedtheinformationwasinaccurateandwasnotavalidaccount.Despiteseveralattemptstovalidatetheaccountthecompanydidnotvalidatetheaccount.Ithenhadtofileacomplaintforthemtosendvalidationoftheaccount.UponreceivingthevalidationoftheaccountsInoticedthatthecompanyhadviolatedmyHIPAArights.Ithenagaindisputedtheinformationwhichwentunanswered.IhavefiledapreviouscomplaintonXX/XX/2019towhichthecompanyrespondedonXX/XX/2019thatIwouldbereceivingaresponsein30days.Ihavenotreceivedanyresponsefrom.thecompanyasofyet.ThecompanyisreportinginformationwhichisviolatingmyHIPAArightsandhinderingmyprogressionforbettercredithealth.Iwouldliketheseaccountstoberemovedimmediatelyfromallthreemajorcreditbureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 noticed a medical bill on my report I dont seem to recognize

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 2018-01-13
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:
XXXX XXXX is reporting an account in negative status. I have requested time and time again ( via disputing with XXXX, EXPERIAN and XXXX ) for the credit reporting agencies to conduct an investigation regarding the validity of this debt ( original signed contract, etc. ). However, the credit reporting agencies all claim that the debt is verified, but I have no documentation showing that I signed a contract for this card, or any proof corroborating their claim. Is it possible that the credit reporting agencies will provide me with this information ( if it 's available ) for verification of the debt? XXXX XXXX has not provided anything to me, nor has XXXX, XXXX and 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 explanation
Consumer complaint received 2019-05-13
Company: BTH Management
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/XXXX I reached out to Plaza services about a debt that I had no prior knowledge of. The representative was VERY RUDE AND SARCASTIC. She refused to put the manager on the phone. She refused to assist me and abruptly hung up on me. I called back to get information on a debt they a attempting to collect that I have no knowledge of and a guy answered laughing in my face, put me on hold for a long time, then another person answered refusing to help me AGAIN.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation