BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-11
Company: John C. Heath, Attorney at Law, PLLC
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I was making a personal business phone call when in the transfer of calls Lexington Law marketing audio began playing. The organization I was initially was on the phone with was a government organization regarding business of maintaining my daily life. Lexington Law seemed like the solution based on advertising and the government organization affiliation so I had no choice I felt if the government recommends them it can not be bad. Hundreds of dollars later and several emails sent to them requesting help on matters each time receiving rejection, they did not deliver and swindled me out of desperation money. They promise people like me can have hope but just want the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: CCS Financial Services, Inc.
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello my name is XXXX XXXX and Ive been attempting to try and resolve this matter with CREDIT COLLECTION SERVICES. Please read the following notice thoroughly and carefully before responding. It is a notice. It informs you. It means what it says. For these reasons it is recommended that you carefully consider this notice and respond in substance, which means actually addressing the points raised herein.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: Lending Club Corp
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for a loan which was approved through their automated system. Once I applied and provided my documents they stated that my income was too low compared to the requested loan amount. When I called to ask why and what amount of income they decided to use they refused to provide that information. I feel as though they are being discriminatory and denying my the loan. My income matches what I initially requested. I would also like to apply for a lower loan amount but they couldn't tell me what amount I would be approved for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On the afternoon of Wednesday XXXX XXXX. I entered the PNC Bank located on XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. I was investigating a ( NSF ) fee of {$36.00} that had been placed on my account on XXXX XXXX. 
The fee had been placed on my account after a {$1000.00} check had " bounced '' and all the money was returned to my account. I spoke with a female representative within the XXXX branch # in her office about how I should resume to pay the bill in which the Check was intended. She then picked up the phone and called " back of house '' to see if they could waive the ( NSF ) fee. They began to tell her that there was nothing they could do about the bounced check and she would have to contact her manager to request a refund. She asked me if it was my first ( NSF ) fee & it had been. The {$36.00} request was denied. I then proceeded to tell her that PNC had been nothing but trouble lately and I would like to close my checking account IMMEDIATELY! Without any hesitation she said " okay, I 'll close it personally TOMORROW ( XXXX ). I 'll write you a withdrawal slip NOW and I 'll close it first thing TOMORROW ( XXXX ). 
She wrote the withdraw slips for {$1100.00}. I signed them & walked out of the PNC XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX with my money, a {$0.00} card balance and trust in the bank representative. 
On the afternoon of XXXX XXXX. XXXX XXXX XXXX I get an email. My account is - {$36.00}! How? Apparently the ORIGINAL " bounced '' check # XXXX from XXXX XXXX that was returned to me, was put thru AGAIN on XXXX XXXX. Now, I have NEVER heard of a bounced check having the ability to be pushed thru the system multiple times. Nor did the PNC agents warn me of that. Now I have TWO -  {$36.00} ( NSF ) Fees on my account TWO bounced checks and ONE bill that still has n't been paid. Now I 'm entirely irritated that this bank representative had ZERO understanding of her own job and that she 's allowed to manipulate customers into paying more fees. She should have known the check # XXXX had the ability to be sent thru again in just a few short days, allowing me to keep my money within the account to successfully complete the payment. She NEVER explained why she was waiting 24hrs to close my account. She also neglected to notify me that my account was overdrawn or that the check had been attempted once more apon the " attempt '' of closing my account XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-06
Company: Fidelity National Information Services, Inc. (FNIS)
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:
I have been trying to correct ChexSystems experience etc. for two years now. I was notified by experience that I was on the dark web and that my identity has been compromised my Social Security number had been compromised I just received another notice of that on or about XX/XX/XXXX. I contacted them about them giving me extra security on my account I think freezes on my account I put alerts on my account nothing has been done by XXXX or any of the other credit reporting agencies theres like 30 inquiries that I did not do that is ruining my credit theres charges on there that I havent done and Ive disputed them again everything I can do.

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 2021-08-20
Company: Experian Information Solutions 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:
In 2002 I have an Experian report of a {$6100.00} payment with XXXX XXXX never paid and closed. 

I called the company, XXXX XXXX and they do not have my social security on file with XXXX XXXX. Experian reports I never paid XXXX XXXX and I never owned this card. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-07
Company: EQUIFAX, INC.
State: SC
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 issued a statement Were here to help, in order to support customers experiencing financial difficulties due to COVID-19. It appeared that they were prepared to work with me in order to provide payment relief without causing late payments to appear on my credit report. They did not honor that statement as my credit report reflects late during the months of XXXX, XXXX and XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Unauthorized accounts on my credit report by all three Credit Bureaus ( XXXX, TransUnion, XXXX ) XXXX XX/XX/2019, XXXX XX/XX/2019, XXXX XXXX XX/XX/2019,. Which violates Section 604 of the Fair Credit Reporting Act ( FCRA ) sets forth requirements, called " permissible purposes, '' that must be met before anyone can inquire a credit file. A few of the most common permissible purposes are : In accordance with the written instructions of the consumer to whom it relates.

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 2019-10-06
Company: EQUIFAX, 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:
I have been trying to correct XXXX XXXX etc. for two years now. I was notified by XXXX that I was on the dark web and that my identity has been compromised my Social Security number had been compromised I just received another notice of that on or about XX/XX/XXXX. I contacted them about them giving me extra security on my account I think freezes on my account I put alerts on my account nothing has been done by XXXX or any of the other credit reporting agencies theres like 30 inquiries that I did not do that is ruining my credit theres charges on there that I havent done and Ive disputed them again everything I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: Diversified Adjustment Service, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Diversified Adjustment Service IncXXXX Reported a collection effort on my credit report without ever ( ie never ) contacting me about a fraudulent debt that has been disputed multiple times. The company seems to practice unprofessional and incompetent business practices and not even verifying the validity of a debt, but moves to threatening and harming steps. Companies like Diversified Adjustment Service Inc should be shut down for unfair and improper business practices as they create massive work and damages for consumers. 
The so-called debt is from a fraudulent activity that the original debtor XXXX has not cleaned up.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: Paypal Holdings, Inc
State: SD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
I received an email from Paypal that explained my account was suspended because I violated their terms of service. When logging into my account it confirmed the same and literally says they will not provide the exact reason why. I have very few transactions with my Paypal account and they are all legitimate and small dollar payments to friends or associates or legitimate companies. My transactions in the last 6 month included entries to XXXX tournaments, a XXXX XXXX, a metal sign that was a XXXX gift and a concealed carry holster ( no XXXX purchase - just a holster ). I have only received payments from XXXX opinion service that pays a few cents for answering surveys. 

I suspect the purchase of the holster was the reason but it's not an illegal item in any state that I'm aware of. 

The paypal reference id is XXXX Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: CHECK INTO CASH INC.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
ON XX/XX/2017 XXXX XXXX MY XXXX XXXX XXXX WAS REPOSSESSED. I WAS IN CONTACT W/ LENDER ABOUT MY DEFAULT ACCT AND MADE SURE I MADE VERBAL CONTACT SO THAT MY PROPERTY WAS NOT SEIZED. COMPANY DID ANYWAYS. I HAD TALKED TO CSR 3X WEEK AND A DAY PRIOR TO REPO AND WAS NOT GIVEN ANY NOTICES AND I ASKED IF MY VEHICLE WAS OUT FOR REPO. CSR STATED NONE OF THAT INFO. WHEN REPOSSESSION OCCURRED COMPANY TOLD ME THAT A REPO EMAIL CAME IN EARLIER THAT WEEK THE NIGHT BEFORE I CALLED COMPANY CSR FAILED TO CHECK HER EMAIL AND THATS WHY SHE DIDNT KNOW MY CAR WAS OUT FOR REPO WHEN I ASKED. MY VEHICLE WAS IN A CAR WRECK PREVIOUSLY AND I COMMUNICATED THAT W/ COMPANY AND THEY STATED THAT IT WOULD BE OK. MY ALMOST LOST MY HUSBAND IN CAR ACCIDENT AND I HAVE BEEN THE ONLY WORKING SPOUSE IN MY HOUSEHOLD AS WELL AS CARING FOR MY HUSBAND. I EXPLAINED ALL THIS TO COMPANY AND THEY MADE IT SEEM AS LONG AS I WAS IN COMMUNICATION MY VEHICLE WAS OK. THIS WAS TOTALLY DECEPTION BY FAR. WHEN TALKING TO DISTRICT MANAGER I WAS LAUGHED AT AND ALSO COULD N'T GET A DIRECT ANSWER WHEN I ASKED '' SO I WAS UNAWARE OF MY CAR WAS OUT FOR REPO DUE TO NO ONE CHECKING EMAIL. WHEN REPO OCCURED BREACH OF PEACE WAS INVOLVED ALSO. REPOSSESSION AUTHORITY KNOCKED ON MY DOOR ABRUPTLY AND I WAS SCARED TO OPEN DOOR I WENT OUT THE BACK OF MY PATIO AND MET HIM IN FRONT. AS I WALKED UP TO HIM I ASK WHY HE HOOKED MY CAR AND I JUST SPOKE TO COMPANY 24 HRS PRIOR AUTHORITY  TOLD ME TO CALL STORE ASK I WALKED LITERALLY 5 FEET TO MY DOOR TO GRAB MY PHONE TOW TRUCK TOOK OFF AND SPED THRU A SEWAGE HOLE RAN APT COMMUNITY STOP SIGN AND 1ST STOPLIGHT ON CORNER.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-02
Company: CITIBANK, N.A.
State: NV
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:
On XXXX XXXX XXXX I paid off the total amount of {$1100.00} owed on my Citi credit card from my XXXX bank account. On XXXX XXXX XXXX {$1100.00} was taken from my XXXX account to pay the Citi Credit Card. As of XXXX XXXX XXXX the {$1100.00} is still NOT showing up as paid on my Citi Credit Card.

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 2018-01-02
Company: Roosen, Varchetti & Olivier, PLLC
State: MI
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:
I was discharged from chapter XXXX Bankruptcy in XXXX XXXX XXXX XXXX garnished my pay in XXXX. I submitted paperwork of the bankruptcy and the garnishment stopped and a refund was issued. In XXXX XXXX XXXX XXXX garnished my tax return. I submitted paperwork and my tax return was returned to me. XXXX/XXXX/XXXX XXXX XXXX XXXX garnished my pay again. I submitted my bankruptcy paperwork to the attorney for XXXX XXXX in person myself on Wednesday XXXX/XXXX/XXXX when I received paperwork from my employer. The manager was very rude and refused to help me. I have placed several calls to Rosen, Varchetti & Olive PLLC to resolve this matter and I have received no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I need to change my payment due date on my credit card account with Bank of America. 

I want to change it to the last possible date of each month ( XXXX, or XXXX ). However, when I go to contact them on the website with this request, there is no dropdown menu for changing the payment due date, and the website won't allow me to send a secure message to notify them of my request.

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 2021-03-24
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: Was not notified of investigation status or results

Complaint:
I have sent multiple letters and called several times to get this matter resolved. The most recent letter being on XX/XX/XXXX and the others sent on XX/XX/XXXX and XX/XX/XXXX still as of today there has been no progress. The below inaccurate items still show negatively on my report. I mentioned previously I was just made aware of my information being impacted by the Equifax data breach. Now more than ever I fell my information has fallen into the wrong hands. This dispute process has be very long and I feel like Im on a hamster wheel. I read up on how to rectify this data breach and I saw it is illegal to report false information per FDCPA Section 807.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06
Company: Innovis
State: OH
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:
I HAVE A Unauthorized account INQUIRES and Unknown address XXXX XXXX XXXX XXXX, MI XXXX on my credit report by all three Credit Bureaus ( XXXX, XXXX, XXXX ) XXXX/XXXX XX/XX/2019, XXXX/XXXX XX/XX/2019, XXXX/XXXX XXXX  XX/XX/2019,. 
Which violates Section 604 of the Fair Credit Reporting Act ( FCRA ) sets forth requirements, called " permissible purposes, '' that must be met before anyone can inquire a credit file. A few of the most common permissible purposes are : In  accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: PLANET HOME LENDING, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Every month Planet Home Lending sends me a mortgage statement that has fees and charges on it of {$1800.00}. When I called Planet Home Lending to ask what those fees and charges represent, they could not tell me anything other than the fees and charges were transferred over to them from the previous servicer. In addition, I made an additional payment of {$1500.00} on XX/XX/2019 which was not applied to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I closed my checking account with Huntington Bank XX/XX/XXXX. After discovering they prevented another payment from going through, causing me to pay another late fee. Also in XX/XX/XXXX, I had gone to the Social Security Office for another matter, when I found that Huntington Bank had told Social Security that I had two checking accounts with them, I never had two checking accounts, Huntington close my checking account then reopened it, why they did that I don't know, I never got the answer. Their actions caused me a problem for me with the Social Security Office,  they thought I was deceiving them, that I had extra money I was trying to hide.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a letter to all three credit bureaus to dispute a debt from Portfolio Recovery Associates on week of XXXX XXXX and PRA sent a letter on XXXX XXXX saying they bought the debt from XXXX XXXX. They did n't validate this debt because they said they got it electronically. I sent them a letter to fill out in order to validate this debt on the week on XXXX XXXX ; they fail to validate but they updated on my credit reports that the debt meets FCRA requirements. This collection agency even have my first and last name spelled wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-13
Company: EQUIFAX, INC.
State: AL
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 IS MY 3RD RE-INVESTIGATION AND I WILL DISPUTE EVERY WEEK IF NEEDED. OR HIRE A ATTORNEY. LETS MAKE SURE WE ARE ALL ON THE SAME PAGE. SOMEONE OPEN UP A FRAUDULENT BANPKRUTCY UNDER MY SS # IN XXXX XXXX NEVADA. A PLACE I NEVER LIVED NOR VISIT. IF YOU CONTACTED THE COMPANIES THEY GAVE ME 2 ADDRESS FOR XXXX XXXX THE ADDRESS WAS XXXX XXXX XXXX XXXX XXXX NEVADA XXXX XXXX XXXX XXXX ADDRESS WAS XXXX XXXX XXXX XXXX XXXX XXXX NEVADA. NOW IF THESES ACCOUNTS WERE PROPERLY VERIFIED THEY WOULD HAVE SEEN THAT THESE ACCOUNTS WERE OPEN IN XXXX XXXX NEVADA AGAIN WHERE I NEVER LIVED. THEN THE PERSON INCUDED THESE ACCOUNTS IN A CHAPTER XXXX BANKRUPTCY WHICH WAS REMOVED AS WELL AS A CAR AUTO LOAN THAT WAS OPEN UP IN XXXX XXXX NEVADA. HOW CAN YOU REMOVE SOE OF THE ACCOUNTS THAT WAS FRAUDULENT OPEN AND INCLUDED IN A BK BUT NOT ALL!!!!!!!!!!!!!!!!! PLEASE RE INVESTIGATE AND REMOVE THESES ACCOUNTS FROM MY CREDIT FILE. I HAVE FAXED AND MAILED OVER ALABAMA STATE ISSUED DRIVERS LICENSE AND STATE TAX RETURNS FROM THE MENTIONED OPEN DATES THAT THESE ACCOUNTS  WERE OPEN AND THEY STILL HAVENT BEEN REMOVED!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The company XXXX XXXX is trying to collect on a debt that was paid to another company last year. I paid XXXX XXXX XXXX ( XXXX ) last year for the XXXX account. It was removed from XXXX but they are still reporting to XXXX and 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 2022-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Customer service would not help and take care of the negative inquiries reporting on my credit report. 


TEAM XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation