BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-23
Company: EQUIFAX, INC.
State: MD
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 locked my account on or about XX/XX/2019. For one week I was not able to access my credit report through the Equifax consumer plan subscription. I contacted Equifax and they advised that I needed to send information to recover my credit file. I faxed the information and waited for one week. I contacted Equifax and they would not confirm if they received the fax or not. So I faxed the information again. After calling them again they advised that I would receive something in the mail in about thirty days. I have yet to receive any information from Equifax via the mail. During the same time frame, I've requested on two occasions for a copy of my credit report to be mailed to me, I have yet to receive the reports. I now have access to my credit report through my Equifax subscription however the information is not accurate. They have added files that were previously removed and that do not belong to me and they have deleted about ninety-five percent of my accounts. I have been without my credit report for over thirty days. This is unacceptable! Please find attached a copy of a credit report prior to the Equifax destroying my file and a credit report after I sent the information to recover my file. This type of behavior has been consistent with Equifax over the last five or so years with my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
PNC Bank on XX/XX/XXXX charged my account with a {$36.00} overdraft fee after accepting a payment for {$150.00}. My account didn't have enough funds but PNC went through the payment and afterwards charged the {$36.00} fee. 

It is not the first time PNC has done this. It should be a simple rule ; if there is no enough funds in the account, do not accept the payment. 

I called on Tuesday, XX/XX/XXXX to ask them to reverse the fee and to ask them why they didn't reject the payment. It is just common sense. The representative on the other line gave me an excuse, which I know it is nonsense. She said that she will escalate it and that they will call me back. I told her if they are to call me to cal after XXXX XXXX. Nobody has called. 

I want the overdraft fee reverse. Banks are charging way too many fees. PNC charges me as well a monthly {$15.00} maintenance fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-06
Company: ALLY FINANCIAL INC.
State: KS
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 received a letter from XXXX XXXX XXXX stating that my request to investigate was denied because it relates to an inquiry or request for a consumer report i did not allow nor did i accept this company to have access to my credit report. it is showing that i gave permission to said consumer. 

another account- crescent bank also rejected my dispute to investigate. it shows that i supplied the dealership ( XXXX XXXX XXXX XXXX ) with personal information about my credit report. however, i have never been or inquired information on the vehicle ( XXXX XXXX XXXX ). i did not request or apply for an indirect auto loan. this bank is listed on my credit report TWICE. i didnt accept or authorize XXXX  the first time around. 


ally bank : sent me a letter as well, stating an inquiry through a dealership about a vehicle i tried leasing or financing on. : dated XX/XX/XXXX. 
vehicle. XXXX XXXX XXXX. i did not, authorize permission. i never tried leasing or financing on said vehicle.

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 2021-04-30
Company: FIRST COMMUNITY MORTGAGE, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been in this situation for a year, it started with local flooding that put me out of work for months. I had just entered a full time position at my workplace that put me in a position of getting caught up and covid happened. I did not expect to be out of work for 7 months. In XX/XX/XXXX I spoke with a person from my mortgage company and she did not offer me any options other than pay my mortgage current. I keep getting letters of acceleration and charged interest during covid. I then got a new job and was injured. I have been out of work since XX/XX/XXXX. I saw a tv excerpt about know your rights and went on there and found out that I should have been given options a year ago. I was defeated seeing this. My mortgage company charges me interest and other fees for property assessment. My mortgage company calls me endlessly and at all hours and days. I did file for a covid hardship forbearance and I am still waiting to hear from them. I am upset that they could have helped me a long time ago and did not offer anything other than shaming me or blaming me. I just want to get this back on track again. Had covid not taken my job I would not even be to the point I am at again. I would have been caught back up and stayed on track.

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 2017-12-06
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XXXX XXXX 2017 around XXXX pm. I went to my local Wells Fargo Branch located in XXXX Florida. I took {$200.00} in twenty dollar bills inside with me to make change ( ones and fives ) for my business. I used my debit card to access my account to show I was a customer to avoid non customer fees For the service of making change. I hand the teller my money, she makes the change and counts it back to me. She asked if she can help with anything else. I say no and walk away. About 30 minutes later my husband checks our account online and see {$600.00} missing. He then goes to the bank to see what happen. The bank manager counts the draw and reviews the security video. He then tells my husband the teller did not close my account screen and the man behind me withdraw {$600.00}. The teller never asked for his ID or checked to see if he was on my account. I have been in contacted with the local branch as well as the corporate office. They will not let us view the camera footage and are not crediting the {$600.00} back to my business 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 monetary relief
Consumer complaint received 2021-09-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The 3 Credit Bureaus is reporting inaccurate information on Capital ONE BANK USA. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: LoanCare, LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Sent money and a letter to pay off my principal balance and they did not apply the money as directed. They deducted my monthly payment out and applied the remaining balance of the amount I sent. This left us with a balance due. I have been trying to get this fixed since the end of XX/XX/XXXX when they applied the money as they felt like not as they were directed. Called lender to get payoff {$11000.00}. Sent {$11000.00}. If you look at the Transaction Activity on the statement due XX/XX/19 you will see what they did.

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 2018-03-09
Company: Santander Consumer USA Holdings Inc.
State: VA
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 been engaged in dispute with XXXX XXXX XXXX XXXX, Santander, and XXXX XXXX XXXX since XX/XX/2016. The are negative accounts. However, I believe they have been reporting negatively without following the guidelines of consumer protection laws like the FCRA and the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XXXX I was solicited to apply for a Home Depot CC offered by Citibank. I applied and was approved for a credit line of {$8000.00}. I made a purchase in the amount of {$68.00} which reflected a discount for my first purchase. 

In late XXXX I began receiving phone calls that my account was past due and realized I never received a statement. Using the prompts on the automated call I attempted to advise customer service that I hadn't received my statement- each time I was transferred offshore and the line was disconnected. 

In XXXX I received a statement which indicated my balance and late fee of {$29.00}. Using the pay by phone feature I paid the the balance of XXXX and phone customer care to discuss the late fee of XXXX. I was told that fee would be waived. I considered the account paid in full with the fee waiver and my payment. 

In XXXX, I received a statement that with a balance of {$62.00} which was for 2 late charges. The first charge was not waived and then I was assessed a second fee. 

I phoned customer care and spoke to someone stateside, after a long discussion she came back and said that both late fees would be waived. My call was recorded and she assured me the balance would be XXXX Today XXXX I received another statement with another late charge and showing the outstanding balance that was to be waived. I again phoned the call center and they told me that they wouldn't waive my fees despite what I was told by the previous agents, because there was no evidence of returned mail. 

I can't speak to what the mail system was doing in XXXX during a pandemic and election, but I know a statement was not received. If the agent in XXXX would have followed through this balance would not be this high. I am now being charged more in fees than my initial purchase. The failure to waive the fees as promised is unfair and an attempt to collect fees. Agents assuring me the balance would be waived is deceptive and now I am being charged another fee. In addition, I am now faced with paying fees I should not pay and am being penalized with a late reporting 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 non-monetary relief
Consumer complaint received 2022-08-10
Company: LEXISNEXIS
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The items listed under ( Creditor ) related to " TAX liens '' do not belong to me. I've been working with the state to have them removed for quite some time. I contacted the state comptroller office and they have nothing on file related to this matter. LexisNexis provides background investigation related to credit reports vai XXXX XXXX  XXXX XXXX from XX/XX/2020- XX/XX/XXXX they have provided incorrect data related to my credit history. 
Due to this I have been disqualified from working for an agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: EQUIFAX, INC.
State: MD
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 am XXXX I`m a victim of Identity theft. I have provided proof of my ID, Identity theft report from the Federal Trade Commission and a notarized Identity theft Affidavit proving it is in Fact me that submitted this report. And a letter citing all the fraudulent accounts on my credit report. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: Trident Asset Management, L.L.C.
State: VA
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 been engaged in dispute with XXXX XXXX XXXX XXXX, XXXX, and Trident Asset Management since XX/XX/2016. The are negative accounts. However, I believe they have been reporting negatively without following the guidelines of consumer protection laws like the FCRA and the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
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: Information belongs to someone else

Complaint:
I was trying to buy my wife a necklace at XXXX XXXX XXXX today XX/XX/2020 and when they ran my credit to see if I qualified for their credit line, I was told that I was not approved because there were several negative accounts appearing on my credit report. I had no idea what accounts they were talking about because I have never missed any payments or had any of my accounts go to collections ; I looked through my credit report and there were 6 accounts and many inquiries that are not mine. I don't know who is responsible for opening these accounts in my name without my permission but I have already filed a police report. I did not gain anything from these accounts and I did not make any payments towards any of these accounts. I also do not have any written/verbal contract with any of these companies and I did not authorize them to run or access my credit.

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 2019-02-04
Company: PRESTIGE FINANCIAL SERVICES 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: Account status incorrect

Complaint:
This vehicle was repossessed by Prestige Financial in the State of New York on or about, XX/XX/2016, and resold on or about ( I was never made aware of the resale date, price, deficiency ). 
Under the laws of the State of Virginia UCC Title 8.9A. Commercial Code - Secured Transactions - Part 6 Parts 1 and 2. Default and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 
Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was approved for the XXXX  upgrade program with XXXX through Citizens One Personal Loans Account # XXXX. XX/XX/XXXX I received a letter from Citizens One regarding the above listed account number. I was told that there was a balance that had not been paid when I upgraded to a new phone and the account number changed. Upon calling on XX/XX/XXXX, I was told that the problem with the billing was due to Citizens One. I was not told of a work/investigative ticket # XXXX initiated by Citizens One until my recent phone call on XX/XX/XXXX after being denied the ability to upgrade. With the reason being POOR CREDIT PERFORMANCE WITH CITIZENS ONE. The outstanding debit was {$20.00} that I was unaware of until XX/XX/XXXX. I paid this outstanding debit on XX/XX/XXXX via debit card. I am fine with resolving the debit, but am not fine with the charge off that could have been and should have been prevented. I was never notified that Citizens One investigation with XXXX showed that I was the person that needed to cover the outstanding debit. I did not receive any correspondence via physical mail nor e-mail regarding the findings of the ticket/investigation. The above listed account was paid by a credit card that I provided, but was not charged the outstanding amount. I was given a new account and have paid it without fail as I did the above listed account until this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
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:
Thank you for your time. I am expressing my frustration with PNC Bank due to their refusal to link my bank account, at my instruction, to a service that provides debit cards for my teenage children to receive allowance. 

Paying allowances can be a tad frustrating. We link allowance directly to extraordinary tasks that the kids choose to do as " work. '' XXXX offers a secure debit card system that is a way to both preserve their earnings, and to teach them to manage their earnings/create savings in an appropriate setting. They are XXXX, XXXX, and XXXX. Giving them change no longer works. 

As a customer, as a mother, I am frustrated that I'm not allowed to enter my information and allow the link between my funding source and the place I want to direct funds. PNC 's refusal to follow my request without explaining the cause is both inappropriate and frustrating. It is my money. If they choose not to allow funding to this credible, recognized business, they need to disclose that in advance. 

Raising children to be responsible adults includes learning how to manage money in real time. I depend upon the partnerships formed in the financial, insurance, and educational worlds to help support my mission as a mother. I expected more of them than this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
USAA CONFIRMS NO FRAUDULENT ACTIVITY FOUND AFTER REVIEW OF YOUR CLAIM see attatched XX/XX/XXXX.?????? USAA DOES NOT PROVIDE FRAUD CREDITS BECAUSE *NO FRAUD OCCURRED. see attatched XX/XX/XXXX Transactions Security Adjustment. XXXXCREDIT REVERSALS BEGIN ON THIS ACCOUNT XXXX????? USAA REVERSES {$160.00} CREDITS. XX/XX/XXXX. How can usaa CONFIRM NO FRAUD ON ACCOUNT?? Then CLEARLY, REVERSED CREDITS ARE MERCHANTS NOT USAAs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: Fay Servicing, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
On XX/XX/2019 I completed a consent form for XXXX to conduct a background check. On XX/XX/2019 I received an email from Faye Servicing HR representative, XXXX XXXX that said the following, " Hi XXXX, sorry for the delay I had to confirmed a couple of things. Unfortunately we will not be moving forward due to some of the results in your background check. 

You will be receiving an email from XXXX in regards to our decision, a copy of your report and some options available to you as well. 

As of today I still have not received the report or had an opportunity to review what was reported about me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD
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:
Trans union has been repeatedly reporting false and inaccurate information on my credit report. I have disputed the address, phone numbers and other information and they just keep placing whatever they want on my report even though it is not correct information. they don't actually investigate because if they did, they would know that they are reporting wrong information. They know at this point that the information is false and they have deliberately placed the wrong or false information on my credit report which has my name and personal info connected to other wrong information that is not mine.

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