BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-30
Company: PNC Bank N.A.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was impacted by a FEMA declared disaster " Hurricane Irma '' and my home was in the disaster area. PNC placed me on a 6 month disaster forbearance with promise of doing a streamline disaster modification at the end. Since my property insurance did not pay anything because our home was not damaged significantly but had enough damage to put us behind with out of pocket expenses from power loss, loss of food, trees fallen, debris everywhere, siding damage, the insurance company raised the deductible to 5 % of total value of the home at about {$10000.00} and my damage was under that amount so it was all out of pocket on a fixed income. I used the money to recover from the disaster. My wife and I are XXXX XXXX XXXX veterans who both served in war in XXXX. 
We were never late on our mortgage payments and were current for years ( about 10 year ) until the hurricane. Other mortgage companies assisted many in our area and even the other properties I own. But at the end of the 6 month term PNC would not help and I was left being 6 months due. I would have never accepted the " assistance '' from PNC had they not given a commitment to help bring my loan current. Now I am facing a foreclosure sale date of XX/XX/2019 in spite of having a complete loan modification application which is simply my VA award letters and bank statements. Not a whole lot but PNC made it very difficult to have a " complete package ''. In spite of " dual tracking '' being restricted per CFPB servicing guild lines PNC continues to have a sale date and active review in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2017-09-24
Company: Experian Information Solutions Inc.
State: RI
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:
On XXXX XXXX, XXXX ; after attempting to get a car loan I found out that Experian had merged my information with a another similarly named individual and had taken his credit information and merged it with mine. His information was the sole reason why I was unable to get the loan. After a few days I was able to resolve the merge but the subsequent hard credit pulls has damaged my credit in such a way that I would not be able to get the loan. Experian would not cooperate in helping me resolve this situation.

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 2017-07-29
Company: Santander Consumer USA Holdings Inc.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
XX/XX/XXXX : Purchased vehicle from XXXX XX/XX/XXXX : I was behind on a payment. Santander Consumer USA contacted my grandparents ( not a reference ). They compromised my information by providing the amount and the time I was behind. ( They assumed it was me on the phone due to not clearly hearing due to connection. They did not ask for any other information verify it was me they were speaking to. ) I contacted the company and my complaint was sent to several different levels of the company. XX/XX/XXXX/XX/XX/XXXX : I spoke with the VP of The Office of the President, where he set me up on a financial assistance plan for 6 months. This would lower my interest rate, but extend my contract to eight years. This did not lower the amount contracted. It only gave me assistance for a few months. XX/XX/XXXX : I am behind on a loan. I called to seek assistance, which a manager granted, if I would pay {$200.00}. The assistance would push two months payments to the back of the loan, allowing me to become completely caught up ( when I recieve regular paychecks again ). When I called the next day, the company would not honor the request and said I needed to pay more.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: NCB Management Services 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: Problem with personal statement of dispute

Complaint:
on XXXX/XXXX/XXXX I filed a complaint on XXXX XXXX XXXX on NCB Management Services Inc in regards to them not being license in the state of florida to collect and they responded insisted that they are license in the state of florida, I rejected their respond and wrote back telling them that they are NOT license in the state of florida to collect and they responded back on XXXX/XXXX/XXXX insisting that they are license in the state Florida On Florida Ofiice of Financial Regulation website, XXXX XXXX is only license in the state of PA, License # XXXX. 

I have attached response that I receive from NCB Management from my complaint on BBB and I have also attached Proof showing that NCB is not license to collect in the state of Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
The company is XXXX I have filed a complaint before an they are still saying I have delinquent credit card balance and I dont I dont understand why they keep lowering my score when I have excellent pay history but it states on my report I just looked at credit card delinquent can u please resolve this for me U raise my grandchildren after my daughter passed away an trying to but. Home I cant with these reports Transunion is lowering my score an I have excellent pay I dont understand how they can do this they ruin people Thank you 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 2020-12-17
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The statute of limitations for this debt from XXXX should apply. Jefferson Capital Systems , LLC has tried collecting on an old debt purchased from XXXX XXXX XXXX  through a collections agency XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX ) However, the collections agency has not updated the amount owed, or communicated with me regarding the debt, post a payment arrangement agreement. 

XXXX XXXX XXXX XXXX has maintained that the debt is from XXXX and that they will cease collection efforts for the old debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: EQUIFAX, INC.
State: PA
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:
This must be addressed immediately! Equifax has wrongly updated old student loan accounts as new missed payments appearing monthly as additional damage when they have been CLOSED for about a decade and should not even be on the credit report at all! The following closed student loan accounts are all over a decade old yet keep reappearing on my credit report as new missed payments for each month. Equifax has refused to correct this issue and remove these accounts, rather they keep adding new missed payments even though they are closed. According to the FTC, they must be removed as they are too old to be on file. Remove these from my Equifax credit report immediately. U S DEPT OF ED/XXXX/XXXX  Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX  Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX  Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX  Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX  Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX  Date Opened XX/XX/XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: The Shindler Law Firm
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
ne would get back with me from XXXX XXXXl as soon as the car has been sold and they would tell me what I owe and how to go about setting payments up with the balance left remaining XXXX/2021- I filed a dispute with the credit bureau in regards to how they put the incorrect information on my credit and I sent in the copies of the emails back and forth with XXXX XXXX/2021- prestige updated my account online stating that the charged off XXXX and past due XXXX and I tried to get an updated from XXXX on the phone and no one ever called me back or sent anything in the mail. 
XXXX/2021- I spoke to XXXX XXXX and she said she no longer could speak to me and that I would receive something in the mail in regards to the selling of the vehicle and what amount I would owe. 
XXXX I receive a summons from XXXXXXXX XXXX XXXXXXXX in regards to XXXX XXXX stating that I would have to appear in court in regards to the vehicle. I never received anything from XXXX or XXXXXXXX XXXX XXXXXXXX in regards to owing a debt no one ever reached out to me in regards to the debt. 
XXXX/2021- I tried to make it to the court house which was an 1.5 away from me and I got there at XXXX and court was over for a XXXX court call. A default judgement was paced on me and I tried to call XXXXXXXX XXXX XXXXXXXX and no one ever returned my call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24
Company: Bread Financial Holdings, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Comenity Bank called my parents home X/XX/17 and gave information to my father as to what the call was concerning.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-29
Company: Empowerment Ventures, LLC
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Overcharged for a purchase or transfer you did make with the card

Complaint:
On XXXX/XXXX/17 XXXX debited {$120.00} and cancelled it the same day as I paid cash with them. I called Rush Card and was told I have to wait 10 days for my money. The transaction is still pending and is. It going to post since it 's been cancelled

Company response to consumer: Untimely response
Consumer complaint received 2022-01-15
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a new checking and savings account with Chase. I tried to deposit money from my old account, but Chase canceled the deposit and locked my account 3 times. They are doing this to avoid paying the signup bonus and charging me low balance fees. I have been to a branch to complete this transaction and was told that they could not make the deposit. I have called in where at one point they expected me to give my social security number over a conference call. They refuse to unlock my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Experian Information Solutions Inc.
State: FL
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:
n accordance with the Fair Credit Reporting act XXXX Account # 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

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 2019-04-30
Company: FC HoldCo LLC
State: KY
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:
Account was paid in full by XXXX XXXX. Vehicle was totaled in accident. I also received a refund from over payment from 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 2017-07-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have been trying to stop the company called XXXX XXXX from billing my credit card XXXX since XXXX.2015. I have had to dispute this charge every month for years now. I can not take it any longer. The credit card company blocks them and they use a different merchant number and start again.

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 2021-03-05
Company: Synergetic Communication Inc
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter in the mail dated XX/XX/2021 from Synergetic Communication , Inc., stating that I owed {$1800.00} to a client with the name " XXXXXXXX XXXX '', and that the amount had been placed for collection. I have zero knowledge of this whatsoever, and have never had an account with " XXXXXXXX XXXX ''. The letter goes on to state that this alleged " debt '' is too old to be the basis of a lawsuit against me as the statute of limitations has expired. 

I have also received threatening phone calls, though the person on the line never gives the name of the company, stating that I owe money to a collection agency. These calls have even targeted my family members. I suspect these calls to also have come from Synergetic Communication , Inc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: Experian Information Solutions Inc.
State: SC
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 filed numerous disputes, I have also been locked out of my XXXX and Expieran online accounts. I have not used credit in years as I was XXXX. I have looked into and sought legal help since. I filed disputes with no luck. I am submitting this information in hope that the companies receive the information and update the reports 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 2022-02-02
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2022, I applied for thXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  from American Express and was denied for all 3.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: Experian Information Solutions Inc.
State: MA
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 this many times with all three credit bureaus and have has been not resolved. Specifically, the dispute involved XXXX late payment in 2019. I have contacted the company, as that's what the credit bureaus suggested. The company XXXX states that they have reported no late payments. In fact, XXXX originaly made a mistake by charging me a late payment fee, and adding this information to the credit bureaus. Upon me contacting them the first time, they reversed this information and reimbursed me any late fees that they accidentally charged me. 
Recently the credit bureau 's re added this late payment to my credit report, lowering my credit score more than 40 points, this is affecting my personal finances, and the credit bureaus are failing to provide a proper investigation to fix this issue. They state that they have contacted XXXX and dated all and any information. This is a complete lie, as if they contacted XXXX as I have multiple times, they will know that I have never made a late payment. And fix my credit score. I want these credit bureaus to fix my credit score as they keep adding false information such as late payments that are not factual. 
To reiterate, there should be no late payments under the account held with 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