BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-29
Company: PENTAGON FEDERAL CREDIT UNION
State: MN
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Some one used my information to open 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 explanation
Consumer complaint received 2019-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Submitted to have inquires removed by certify mail and got no response

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: Credit Karma, LLC
State: MS
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:
My student loans are closed but its constantly also saying on my report it is increasing it made my credit score go down over 30 points from XXXX to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Westlake Services, LLC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have sent in numerous of letters an FTC reports to this company regarding this fraudulent account that was opened in my name. This company has completely ignored my request to have this account removed or investigated properly. This account is hindering me from moving forward in my life. This matter needs to be addressed and fixed expeditiously!

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 2017-09-25
Company: PNC Bank N.A.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had refinanced my mortgage with PNC bankXX/XX/XXXX {$1800.00} was posted to my escrow account and everything was fine in XX/XX/XXXX PNC deducted {$1400.00} with no warning or explanation I called them and asked why they could n't tell me and would have somebody call me back a XXXX XXXX XXXX XXXX eventually called me back in XX/XX/XXXX but could not give me an explanation to why this amount was taken and would call me back its now XX/XX/XXXX still no call back PNC since then have made other major errors one being mailing XXXX XXXX ( my insurance company ) a check in the amount of {$2900.00} from my escrow account my escrow account now shows I am in a minus XXXX XXXX did call me and said they 'd returned the funds to PNC bank but it does n't show as a credit on my statement I feel PNC bank are a very un professional but what can I do they seem to be able to do what they want its a disgrace

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: CITIBANK, N.A.
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:
Back in XXXX I originally lost my information in a wallet and i wasn't aware of motoring my credit. So, in XXXX when I checked my credit report. I seen so these accounts that did not belong to me. I requested to have 3 Credit agencies freeze my credit file and added fraud alert. Then started disputing the accounts that didn't belong to me and the only one that has not deleted the remaining credit cards accounts is XXXX. The other 2 comply with my request back in XXXX. It will be 8 months and counting that no changes were made with these store credit cards accounts that do not belong to me. I sent Equifax copies of the FTC ID theft report copies and still no deletions were made. I can't allow to use the excuse of COVID due to delays when is my personal information is at jeopardy. I demand these accounts be deleted immediately or i will file ligation due to the distress XXXX caused 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 2017-09-19
Company: Blitt and Gaines, P.C.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX. ARE FELONY RICO CRIMINALS, SO NOW XXXX XXXX SELLS MY INFORMATION TO ANOTHER CREEP THAT CAN NOT PROVE ANYTHING, WHERES THE MINUS SIGN THAT WOULD SHOW A NEGATIVE BALANCE, YOU XXXX XXXX ARE SO XXXX, THERES SUPPOSED TO BE A MINUS SIGN IN FRONT OF THE NUMBER YOU XXXX XXXX, furthermore i will swear under oath by penalty of perjury there is no debt, are you willing to do the same? in other words if the two criminals mentioned above are able to swear by oath under penalty of perjury this debt is valid and sign thier name to the affidavit i will pay them the full amount, they cant do it and WONT DO IT BECAUSE THIS IS ALL A SHOW, ITS PRESUMPTIONS AND LIES AND DECEPTION, THERES NOT EVEN A SIGNATURE FROM THE CLAIMANT, YOU GOT TA BE KIDDIN ME YOU XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: SUN LOAN COMPANY INC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
In XX/XX/2022, I struggled to pay the payday loan due to the high interest on the loan. I made my payment on the day of the due date, but the payday organization stated I should have paid my loan on time and reported it as late on my credit report. I spoke to them via phone numerous times, but they said there was nothing they could do. The following payment due date arrived, and I stated I needed additional time to pay the loan of about an additional seven days. The payday loan company continued calling me every other day despite giving them a day I could pay. The company stated they must call me every three days even though I gave them a day I could pay. When I couldn't answer my phone, they would call my Mom, Sister, and distant family member. My family members stated that a loan company ( XXXX ) called them asking if they had heard from me and that I had a past-due balance with them. The loan company called my job as well, and I asked them not to call the job phone again because it is for critical patient care, and they are tying up the phone. The loan representative stated they called multiple departments looking for me and needed help locating me within the hospital where I work. I never permitted them to call the job number they called because I work with critical patients. The harassment from this company is a very unprofessional practice, and my family or job should have never known that I was past due ( several days late ) on my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Transunion is reporting incorrectly that I am 120 days past due on a loan with the XXXX XXXX XXXX, partial account numbers XXXX ; XXXX ; XXXX and XXXX. I have contacted the bureau and requested these items be deleted or the coding corrected. This is harming my credit. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due amounts.

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 2017-09-19
Company: I.C. System, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On or about XX/XX/XXXX, I cancelled service with my cable provider XXXX XXXX. I was charged a {$200.00} early cancellation fee. I never entered into a contract or agreed to use their services for a specified time frame. The debt was transferred to a collections company. I responded certified letter within 30 days requesting proof that I entered into a written or verbal contract. While they provided a detailed statement, no proof of contract was provided. On XX/XX/XXXX, the account was then transferred to a second collections company, starting the process all over again. I believe the policy to transferring collections accounts on unresolved debt is tantamount to harassment.

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 2023-07-27
Company: FirstCredit, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a letter from the First Cred deb collector of {$9000.00}. I don't understand why I have to pay this amount, I visited the XXXX XXXX two times for a XXXX XXXX XXXX XXXX XXXX, and I make a payment that day. 

Reference number : XXXX Date : XX/XX/2023 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: CAVALRY INVESTMENTS, LLC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Attempts to collect a debt not owed Written notification about a debt The company took or threatened to take negative or legal action The company filed incorrect information on the consumers credit report Regarding a fraud on my credit score for a debt collection and them harassing me requiring I go to court to pay them. Then a year later receiving the same bill from a different collection agency for the same XXXX card. After this had been taken to court. They said this is impossible. 
This would had to have been a fruad to keep re occurring on my report after they already sent legal into court, referring to the collection agency that harassed me for a year. While I was in the hospital. Sick for over a year. 

Is this even legal? They have really harassed me and my legal privacy. 

The collection agency that did this to me. Sending me to court. Didnt even have the right to do it. I called and she acted very suspicious on the phone stating its impossible that another collection agency reported on my credit report. 

There number is XXXX XXXX XXXX XXXX XXXX His name is XXXX XXXX. 
This is continued please read all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: Capital Accounts, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXXvia telephone call capital accounts llc, the spokesperson stated that I owed a balance that is not accurate. I informed the spokesperson that I filed a complaint with XXXX stating that the balance due was not accurate and my balance was reduced. therefore I said that I was not going to pay the balance because it was not accurate. The spokesperson used sarcasm stating that this matter should have been addressed back in 2012. I 've been informed him to that 7 years past that date The Collection would fall off my credit report he argued with me and stated that it will not fall off. I then asked him not to call me and he said that he will call me tomorrow and again the next day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: EQUIFAX, INC.
State: NC
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:
Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap. These are the collection accounts, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: EQUIFAX, INC.
State: PA
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 sent a letter to Equifax requesting removal of a fraud alert with copies of documents requested attached. I received a letter back from them dated XX/XX/2019 stating " we are unable to locate a credit file in our database with the identification information provided ''. This was a second request and a second same response from them. I also tried calling them and was told over the phone what documents to send in ( which I had already done ) .I then went online, requested a copy of my credit report, which I printed and did a dispute over having the fraud alert removed. This was done on XX/XX/2019. Today,XXXX I receive an email from them saying the dispute was completed and to click to view the results.It said " the information you provided does not match our records '' .I contacted both XXXX and XXXX and had no problem removing the fraud alert.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XX/XX/2022, while on XXXX XXXX with the XXXX  XXXX XXXX XXXX, I applied for and was approved for, the American Express Platinum Card. While still on XXXX XXXX American Express charged the {$690.00} annual fee to my account. I immediately contacted American Express and and requested it be removed pursuant to the MLA. They denied it. I have since contacted them XXXX more times and asked for the fee to be removed. They continue to claim they checked the MLA database. However, they have not provided the MLA database report from XX/XX/2022 that is generated when a service member 's name is searched. Now, I am no longer on XXXX XXXX. However, when I applied for the card, was approved for the card and was charged the {$690.00} fee, I was on XXXX XXXX. The MLA applies at the time the credit is applied for. My XXXX XXXX status at the time I applied for and was approved for the card was greater than 30 days thus triggering the MLA. I hereby demand AMERICAN EXPRESS provide me the Department of Defense Manpower Data Center Status Report that would have been generated in XX/XX/2022 if the search was conducted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: EQUIFAX, INC.
State: AR
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 purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX XXXX XXXX {$420.00} XXXX/XXXX   XXXX {$800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I applied for a credit card with chase bank. They approved the credit card and than randomly closing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
MY HOUSE WAS BROKEN INTO A FEW YEARS AGO AND THEY STOLE MY PERSONAL INFORMATION AND MY FAMILY INFORMATION AS WELL. THEY HAVE OPEN LIGHTS IN MY NAME AND NOW I SEE A PHONE BILL. CAN YOUN PLEASE REMOVE 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 2018-12-18
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2018 around XXXX XXXX I called quicken loans to make a full mortgage payment over the phone on the last day of my grace period due to unforeseen circumstances. I was advised by two quicken loans managers that they could not process my payment in full today because we were paying from 2 separate XXXX XXXX accounts. I was told that quicken loans had to split the payments and process one today and one tomorrow. In doing so that scenario would automatically generated a XXXX dollar late fee because one of the payments would now get posted past my grace period because of the way their payment process system is set up. That is not my problem! and I shouldn't be penalized for your payment system or IT department not being able to figure out how to process different types of payments to the same account on the same day. And the worst part is having the audacity in charging me a XXXX dollar late fee due to your limited customer service payment processing shortfalls I'm demanding a refund. I felt i was being gouged scammed into fees that were designed to pad your companies bottom line, The question is how many other innocent borrowers that didn't speak out that have also been taken advantage of by your so called split payment system. 
XXXX Dollars times Ten million borrowers let 's say makes a nice profit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: Chime Financial Inc
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
{$430.00} was taken from my chime account without my consent. On XXXX was the first time hackers got into my account, XXXX is the Date they stole the money from my account. I've given chime every email showing where they were in my account the day my money was stolen but I was still denied they said that wasn't enough evidence!? I live in ky, and someone in XXXX XXXX Michigan stole my money while I was physically asleep in ky! Idk what else they need but this has financially destroyed me, I live check to check and this has costed me my money for my bills so now me and my kids are in the cold cause chime doesn't believe the account holder. I've been with chime for over 5yrs and this is the 2nd problem I had the first was immediately handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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'm not used to all this credit stuff but I'm trying my best. I want to do more and I understand that credit is a necessity. I recently sent out a letter on XX/XX/2020 and I have yet to receive a response and it's now XX/XX/2020. That is almost 3 months! I'm sure that work is backed up and I understand but please I need assistance. I sent out a follow up letter to check the progress on XX/XX/2020. I learned that I have rights according to the Fair credit reporting act. You are in violation of those rights because you haven't responded. Please fix the incorrect information on my credit report provided in the letter I sent out.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company keeps putting this item on my credit report. I have health insurance and its up to the hospitals to bill insurance. The insurance companies have contracted amounts that they pay the hospitals. I never received a bill from the hospital or a right to dispute letter from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: Nationwide Recovery Systems, Ltd
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Nationwide recovery has contacted multiple times today even though I asked them not to I did verify myself and they gave me the whole spill and I ask the representative to provide me with an address or email so I can send a cease and desist their respond was it public info and when I asked for a manager I was transferred to a voicemail before that the lady kept saying its an old debt and how I do I want to take care of it even after she provided me with the info and I told her I dont have any recollection of the debt and ask why didnt the hospital send me a bill if that was the she didnt respond. The last person just called me and said I wasn't cleared on the previous call which wasnt even 20 mins ago I again verify myself and ask to cease and desist to my number.

Company response to consumer: Closed with explanation