BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-14
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Tried to use my debit card online with two different vendors ( XXXX and XXXX ( XXXX ) XXXX ). Both times, PNC/XXXX  required additional authorization - a text message to be sent to two phone numbers I'm no longer associated with. My husband 's debit card was the same also with XXXX ( with 2 numbers that he's no longer associated with ). My phone numbers on my PNC account are correct, but somehow the feed to XXXX 's authentication is not working. I called and was on the phone for over an hour with PNC and finally someone at PNC contacted their IT area, and said they are aware of this problem ( it's happened to others ), and their solution is to either call the vendor and pay over the phone or pay in person ( not use an online payment method ). The reality is, if I'm online and I want to pay for something, and I run into this situation again, I will pay using a different bank 's credit card -- or switch banks totally. I will not pay over the phone or in person. PNC is aware of this issue and needs to fix the feed to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: Convergent Resources, Inc.
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This account was paid to XXXX. I have no idea what company this is that is trying to collect addition money. I switched over from XXXX to XXXX XXXX XXXX and from my understanding XXXX XXXX XXXX was to pay from me switching over. This is a thrid party trying to collect funds when account was closed. CONVERGENT OUTSOURCING

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 2016-12-19
Company: Freedom Mortgage Company
State: UT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am trying to get rid off the PMI on my home loan. My property value has been increased and I am thinking of reevaluating the property price and drop the PMI. But my lender now says I should have paid XXXX for at least 2 years before I can take this route. Is this true? I am going through some website and none of them says this 2 year rule.

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 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.

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 2023-09-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 21th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: FISERV INC.
State: TX
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/XXXX I receive a letter in the mail from TRS Recovery Services , Inc that I owed them {$350.00}. The letter stated on XX/XX/XXXX a check was written in the amount of {$320.00} at XXXX XXXX XXXX. The account it references that payment was related to is an account I closed in XXXX of XXXX. I have never spent over {$300.00} at XXXX XXXX Someone used a check in my name on a closed account. I have reached out to the bank and they sent me proof of my account being closed as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: Diversified Adjustment Service, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received dozens of recorded calls to my business phone line from a company calling themselves " Diversified Adjustment Services, '' saying this is part of a debt collection. I started receiving calls shortly after I activated this business line.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: EQUIFAX, 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 XXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XX/XX/XXXX data breach and may have got into the 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 explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these itemsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting itemsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; US DEPT ED XXXX ; XXXX XXXX XXXX XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX 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 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-30
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 
I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately.

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 2022-07-14
Company: The CBE Group, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I signed up for a cell phone plan with XXXX XXXX XXXX XXXX XXXX and the service was pre-paid. I did not like the plan and service, the actual usage advertised is not as it is. I pre-paid for the first month of service and not even used the service for the entire paid month and decided to switch to another carrier, and now XXXX XXXX/ THE CBE GROUP INC-FORMER placed a negative debit on my credit score for {$56.00} " Open balance '' which I do not have any open balance with them. I am a current Cable customer with them and was never able to use the so called " Unlimited access to XXXX XXXX out-of-home Wifi '' in addition the " Use XXXX Internet Wifi to save on your data '' is completely not true and false advertisement. I request that the note on my credit score is removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On or about XX/XX/XXXX I submitted a complaint to XXXX XXXX to prompt an investigation for identity theft. In XXXX and XX/XX/XXXX loan disbursements were made to XXXX XXXX University ( XXXXU ) in my name. I graduated XXXXU in XX/XX/XXXX and did not return to school to obtain my XXXX until XX/XX/XXXX at XXXX College. When I spoke to the registrar at XXXXU I was informed that classes were registered online through my XXXX ( school ) account for the year the disbursement was made. I never registered for any classes. 

During the investigation the loans that I did take out were placed in an administrative forbearance. On or about XX/XX/XXXX I received a letter from XXXX XXXX XXXX informing me that the investigation was closed and I needed to submit more information such as a judgement/verdict made in court. I filed a police report and submitted all paperwork required for my complaint. I can not provide a court verdict if I do not know who received/requested these loans in my name. After receiving this information, I inquired about receiving a more detailed explanation as to what was actually done during the investigation and why it was closed. I was told that I should be receiving further documentation in the mail. I waited three to four weeks and I never received this information. 

I called XXXX XXXX again to inform the customer service representative that I never received the requested information although it showed documents were sent to me. I was also informed that the reason the investigation was closed was because signed documents and promissory notes were found matching the signatures of the documents I sent in with my fraud packet. If this is in fact the reason my investigation was closed I refute this as valid reasoning. In my written statement, I mentioned that promissory notes, once signed, cover a couple of years which is why it is not required for students to sign promissory notes for each year. Therefore, I only have two promissory notes and not four for each school year during my time at XXXXU. 

I submitted a request for information requesting again a detailed explanation to why the investigation was closed and the documents the rep referred to that were signed by me. Here it is XX/XX/XXXX and I still have not received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/XXXX XX/XX/XXXX Claim reversal : XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ClaimId : XXXX {$50.00} XX/XX/XXXX Reversal : XXXX XXXX XXXX XXXX  XX/XX/XXXX ClaimId : XXXX {$45.00} and Reversal : XXXX XXXX XXXX XXXX XX/XX/XXXX ClaimId : XXXX {$30.00} XX/XX/XXXX Claim reversal : XXXX XXXX XXXX XXXX XX/XX/XXXX ClaimId : XXXX {$200.00} All these transactions were fraudulent yet they were reversed?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My mother XXXX XXXX passed away XX/XX/XXXX. I have a court order which gave me permission to collect the funds in her account. I had previously contacted the bank to let them know, while XXXX XXXX XXXX XXXX XXXX XXXX  someone hacked into her XXXX XXXX and stole over {$1000.00}. I also contacted the police. The bank stated, due to me not being on her account there was nothing they could do. 
I went into the PNC Branch on XXXX XXXX ( XXXX ) on XX/XX/XXXX. I provided the court order, my identification, and XXXX XXXX XXXX XXXX. I was told I would hear back from them on XXXX I called back that XXXX and was told, the representative who took my information was on vacation and theyre not sure what happened. 
I called back on XX/XX/XXXX and was told there was no update. The representative called me back, later that day and stated a letter had been mailed ; for me to send to probate. As of yet, no letter has arrived.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-14
Company: Social Finance, Inc.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have tried to open an online deposit account XXXX with SoFi Bank multiple times. They have denied me without explanation, even though I do not have any negative reporting with either credit agencies ( XXXX, XXXX, XXXX ), XXXX, or other well known credit/consumer reporting agencies. They refuse to send me any written documentation of their reasons for denying me an account. 

I have asked for formal written communications from them over the course of 7 different phone calls, the duration of which lasted hours cumulatively. I have been told various things at various times, ranging from that I was denied because I have two profiles in their customer database, to that I must have been denied because I have some kind of derogatory consumer or credit reporting information ( which is simply not factual ). 

Every time I call their customer service department they tell me they are unable to escalate my issue to a supervisor and that there is no additional person I can speak to.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was sold to Vanderilt Martgage and Finance. The new service company has raised the escrow requirements twice in less than 30 days. I called them to discuss it and their answer is " there is nothing we can do about it ''. I asked to have an analysis completed and allow me to talk to the analysis manager. I could not get past customer service. They are increasing the escrow for an extra month.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: Avant Credit Corporation
State: IL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
XXXX LOAN XXXX WAS AUTHORIZED TO PULL XXXX, XXXX AND XXXX ONLY! LIMITED TO REPORTING THOSE XXXX PER SIGNED APPLICATION. ( SEE ATTACHED ). BUT BROKE THE TILA. AND DODD-FRANK REGULATIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: American Credit Acceptance, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Consumer Financial Protection Bureau My Rights Have been Violated I extended credit to XXXX for a XXXX Vehicle which was done on a Retail Installment Contract in 2018. Studying Truth In Lending Act I now realized my rights have been violated and this has caused me financial stress as well as financial hardships. 

. This car dealership has taken my open-end credit utilizing my social security card and sold it to American Credit Acceptance . I am not a borrower, I am the Original Creditor and the Lender, and the dealer misled me to believe that they were extending me a line of credit as the borrower. My Security Interest secured this obligation even before the car was pulled off the lot. 

Pursuant to Us Code 1692 This retail Installment Contract is deceptive and unfair and operated under the FDCPA, this grave error has caused a financial burden on my family as well as my marital instability. American Credit Acceptance has allegedly obligated me to be responsible for this debt.

The Cash Price of the Vehicle was {$19000.00} with fees associated increased to {$21000.00} with a cash down payment of {$1100.00}. I have made over {$19000.00} dollars and this company is requesting I continue to pay {$20000.00} more. 

I have received multiple calls and letters, and this has caused me complete embarrassment. 

Pursuant to FDCPA 1692 ( a ) ( 8 ) A Consumer has jurisdiction over everything.

As Follows Pursuant to 15 USC 1692 d My Consumer rights cont. : to be violated, A debt collector in collecting a debt, may not harass, oppress, or abuse any person 1.Use or threaten to use violence or other criminal means to harm the physical person, reputation, or property of any person. 

2. The use of Obscene, Profane, or other language that abuses the hearer or reader 3. Annoy, abuse or harass persons by repeatedly calling their telephone number or allowing their telephones to ring continually.

These are just a few Violations of my Consumer rights.

In Closing Thank you for taking the time to read my request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: Experian Information Solutions Inc.
State: IL
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 got in the mail a letter from Experian that i had requested a security alert to be put on my credit report on XX/XX/2019. I did nothing of the sort. I did not make this request to have this alert put on my credit report. Attempting to get in touch with them regarding this is almost impossible because they provided no phone number to contact them. Now having found the correct number and discussing this issue with them they are saying that i must provide documentation to them to have the alert removed. I have missed several phone calls for my work while trying to clear this matter up. Experian can not just a will throw alerts on then ask me to send them personal information. 

Supervisor : XXXX Team Name : XXXX Location : XXXX XXXX Representative : XXXX Location : Arkansas Neither were willing to remove this alert that Experian put on themselves without my consent. This is not a burden that i should have to take on. I want this resolved immediately and i want to know when it is done and what will be done to those employees who would not correct the error made by Experian. 

Thanks 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