BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-10
Company: Experian Information Solutions Inc.
State: GA
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:
XX/XX/2020 I'm XXXX and have maintained an EXCELLENT credit score for as long as I can remember ...

I paid off two car loans within the past 60 days that reduced my personal debt by XXXX $ XXXX {$55000.00} and reduced my monthly payments by {$1300.00}. As a result of paying off these loans, my credit score DROPPED by 20+ points. WHY???

As a result of the actions noted above, I was amazed to see that I went from an Excellent FICO Score of XXXX to a Very Good Score of XXXX ... 

I submitted a dispute to Experian ( XXXX ). Experian says they do not know why my score dropped and it's up to the XXXX folks to explain that to me. They gave me the number to XXXX ( XXXX ) so I could follow up with them. 

So, I called XXXX today and they told me that I would need to sign up for their service ( $ $ $ ) before they could tell my why my XXXX score DROPPED by 20 points. " They '' do not have access to my financial information. I do not need - or want - to purchase a product from XXXX in order to get an answer to my question. I already have an account with Experian. 

This is quite the little dilemma for those of us who just want to understand what's going on with our credit scores. Just to clarify ... I have no issue with anything on my credit report. I just want to understand the significant drop in my score after I took what would typically be considered very sound steps to improve my financial status. 

I would also say that those of us who have questions about how the " FICO SYSTEM '' works ( calculates our scores ), should be able to get answers to our questions - from a live body who actually understands what's going on. 

I'm being told by Experian and XXXX there is no one who I can talk to who can look at my situation, review my credit report and explain to me why my score was so negatively impacted by the positive actions I took ... That is the problem I need an answer to. 

Sounds a bit like the XXXX XXXX XXXX to me.

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 2023-01-09
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was making a transaction thinking I was working with my bank which is PNC but it was a scam and the person I was talking to was a scam artist and took {$1600.00} from my account on XX/XX/XXXX. I immediately spoke with my local PNC branch and was assured by management everything would be done to assist me in getting my money bank. Unfortunately, PNC has done nothing to help me and their customer service has been terrible as they never return my calls and never call when they say they will. I was also told by a high level PNC manager at the corporate office who refused to let me speak to his boss and nastily said to me that we can give people money back but he refused to give me back anything. It has been the most frustrating and unprofessional institution and people I have ever had to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX- ACCOUNT SHOW LATE IN XX/XX/2018, XX/XX/2018. IT SHOWS A BALENCE OF {$48000.00}. MY TOTAL LEASE AMOUT IS {$18000.00} AND {$14000.00} REMANING ON 28 PAYMENTS. I PROVIDED THEM WITH BANK STATEMENT TO SHOW AUTOMATIC WITHDRAWL AS WELL AS LETTER FROM XXXX XXXX, AND THEY KEEP PUTTING BACK IN DISPUTE INSTEAD OF UPDATING. I AM TRYING TO GET MORTGAGE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: TD BANK US HOLDING COMPANY
State: IA
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:
Target Red card has made several mistakes and has been grossly incompetent in handling my account. I have entered a settlement agreement and the 1st once was cancelled because late fees were not credited. The 2nd one was cancelled because the agent did not enter my bank information correctly, even though I read it back to the agent twice. Upon calling to set up a 3rd settlement, the agent informed me that making one would charge off the account, something the other agents did not disclose to me. So today XX/XX/19 I called back again and reached an agent who was anything but helpful. Come to find out I had a " cease and desist '' on my account, something that would have prevented further paperwork from being sent, and also she stated having this makes it " harder for them to help me ''. She also stated that " I should have known I had a cease and desist '' and it is " not our job to tell you this '' and None of the 3 agents I spoke to informed me I had this on my account. When I informed her about not knowing that a settlement would charge off my account, she blamed me for " not knowing this '' as if it were common knowledge. When I told her any bank, credit card company or other financial institution would inform a consumer that their action would result in a negative credit action, she told me I am " wrong '' despite having dealt with this in the past. She informed me she would contact the " head of the department '', but snarkily told me " it probably won't change anything '' even though she admitted what this department has done was " a very large mess ''. After informing her that I would be contacting other organizations about this, she told me " I bid you goodnight '' and hung up on me. While I was at Target tonight doing some shopping, I informed a manager about my issues and he said he has been " receiving a large amount of complaints from guests '' on how " idiotically Target Red Card handles guests accounts ''. So it appears I am far from alone in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information 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 2023-02-15
Company: TrueAccord Corp.
State: CA
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 an email from. A company called TrueAccord see attached email and email address screen shot. it stated I owed a debt from a credit card. I called the number to talk to someone see attached screen shot of phone number called and mistakenly gave my year of birth and last 4 of my social security. I am afraid I was scammed. They told me the debt was not mine and they would take me off the list.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Hi, I opened account in XX/XX/XXXX. The banker told me I do had XXXX new account bonus cash when you set up direct deposit total XXXX in 90 days. I finished my qualification in 3 months.But 5 months later, I still not get anything. I contacted them 1 month ago. The customer service said will pay me in one month. But I contacted them today. The manager name XXXX said they don't want to pay it to me. They changed story said I am not Targeted with this offer!!!! They should honor it what they said. I need my XXXX bonus.

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 2017-09-21
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In XX/XX/XXXX we realized our debit cards were being used fraudulently and our checking account went negative. 
No one from bank contacted us. We contacted them and all charges were credited. 
WELL XXXX I was out of town for a month and the same thing happened and then our credit card as which was used fraduently and paid thru our checking account had this happen again, I contacted them and they opened up a fraud claim that was approved, However I called and they stated they had no idea about this fraud claim. 
I was at local branch and the teller remembers me calling them ( FRAUD DEPT ) to make the claim from the branch. Well several months later nothing still has been done. 
I was credited for a couple of the charges but not everything. I also thought I closed the fraudulent account but it remained open and took us into the negative as well as the new account as well????? HELP XX/XX/XXXX fraud claim opened XX/XX/XXXX CALLED NO FRAUD CLAIM FOUND XXXX opened another fraud claim and received a small credit roughly 240.00 .
I am still missing credit of ove 3000.00 $

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: EQUIFAX, INC.
State: NY
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:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX Shall remove the listed fraudulent and misleading accounts below from my consumer report. Reporting these account and attempting to collect on these accounts is fraudulent, and is a violation of 15 USC 1692j It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in aconsumerthat a person other than thecreditorof suchconsumeris participating in the collection of or in an attempt to collect adebtsuchconsumerallegedly owes suchcreditor, when in fact such person is not so participating. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Understand the accounts they reported to my consumer report using my XXXX information was reported to create a false belief that I have an obligation to pay a debt not owed You have 4 business days after receipt of this Notice to block all of the fraudulent accounts furnished to consumer reporting agencies using my Personal information. Secondly you are also in violation of 15 USC Code 1692D ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. I herby order you to cease and desist from attempting to collect these fraudulent accounts and cease all communication directly or indirectly through any medium including Consumer reporting agencies. The conduct of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX is usury and Extortion and blackmailing me by using my Credit file to coerce me into pay a debt not verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: CBC Companies, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I requested Innovis freeze my file and stop collecting or providing previously compiled information about me. I included a copy of my ID, SS card ( redacted to show only the last four digits ), and proof of address in my letter. However, I provided my FULL social security number in the written request. Rather than process it, I received an email asking me for information already provided. This is unacceptable, and I consider it a stall tactic!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed that I have an active account on my credit report and I was not made aware of any outstanding balance from creditor or collection agency

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 2021-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
TransUnion has on my credit file wrong address in which every time I turn around there creating address with same address with wrong information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX this is wrong Then there XXXX  XXXX XXXX with no XXXX XXXX Then there XXXX XXXX XXXX XXXX XXXX NV XXXX Right Address is XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX I'm also filing a complaint with US Attorney office on this matter. Every time I don't check month to month Transunion starts this wrong information 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 2023-08-10
Company: Bridgecrest Acceptance Corporation
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
A car that me and my grandmother owned. It was mine I was paying with proof. 

I got it XX/XX/XXXX for around XXXX dollars with a monthly note of XXXX. 

Me and my grandmother inquired during her XXXX treatments me just paying the car off early to avoid confusion but the bank is requiring the enter interest amount of another XXXX XXXX to do so. ( Not counting payments made. 

Unfortunately my grandma passed from XXXX XX/XX/XXXX so I went to get the car transferred under my name. 

During that process I realized the severity predatory car loan and wanted to take time to see if I could get lawyers or you all involved they repossessed the car for a missed monthly payment XXXX, XXXX and now XX/XX/XXXX before I could do so 3 days after my grandmothers funeral. 

My XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX VIN : XXXX Purchased on XX/XX/XXXX Stands with the bank as follows : {$1600.00} Principal Paid Remaining Principal {$14000.00} Only XXXX after it has been paid monthly for 2 years and 5 months. With no option to pay early without paying double the price or give me my car. 

Im out of a car and {$11000.00} dollars PAID. I should not have to suffer from being obligated to take on such a predatory loan or have no transportation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have a mortgage with TD Bank that has auto pay so we do not miss any payment. The auto pay is also thru TD. This XXXX, TD Bank apparently raised our Escrow {$50.00} without any notification although neither our taxes Or insurance went up. The XXXX payment was short {$50.00} and TD immediately reported us as late Payment. As soon as I was aware I paid the {$50.00} event though I did not agree. Our Perfect credit score dropped 100 points. We tried to work with TD Bank and their Collections were very nasty and refused to remove the reported late payment stating TD does not make mistakes. We had many mistakes made during our loan process including money removed from our account we did not authorize but we always forgave them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Avant Holding Company, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/2022 credit card balance was decreased from {$1000.00} to {$300.00}. Reason because Im over the balance regularly and high utilization. Im never over the balance not once. I called to get a reason why the decrease because it dropped my credit score XXXX points but Im told the letter that was sent is confidential and no one could tell me why,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My account became overdrawn by the amount of $ XXXX on XX/XX/2023. 

At XXXXXXXX XXXX XXXX on XX/XX/2023 an amount of {$64.00} bringing my balance to {$53.00}. 
I then made a charge of {$27.00} bringing the balance to {$25.00}. 

At approximately XXXXXXXX XXXX XXXXXXXX on XX/XX/2023 I was informed that my account was overdrawn again. This is due to PNC charging me {$72.00} in overdraft fees on XX/XX/2023, despite already bringing the account to a positive balance. I had made no other charges during that 3 hour period to make my balance negative again. They just charged me the fees as if I hadnt made the account balance positive. 

I reached out to try and have the charges reversed, but the bank refused to help in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX  from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXXXXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation either

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
It is TRANSUNION 's duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. TRANSUNION is reporting XXXX inaccurate late payment for the XXXX XXXX XXXXXXXX account ending in XXXX. This includes a 30 day late payment posted in XX/XX/2021. This is incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes this late payment resulting in TRANSUNION violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish this inaccurate late payment on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

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 2022-11-20
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
There are hard inquiries on my account that are reflecting inaccurately. 

XXXX XXXX ( Finance ) XX/XX/2XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2021 Please assist with removing the above hard inquiries. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: Sterling Infosystems Inc.
State: GA
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: Personal information incorrect

Complaint:
Someone else's name appears on my report.  Also, there is an incorrect address.

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