BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-14
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: Their investigation did not fix an error on your report

Complaint:
I have a fraudulent account on my report, both XXXX and TransUnion. I have filed a police report and was sent to Bank XXXX XXXX, TransUnion and XXXX. I also filed a FTC report and send it with requested documents to the companies mentioned above. They did not remove the account and they are saying that the account belongs to me ( and thats what the creditor said ). I have been dealing with this issue for the past 2 years. I have done everything I asked to do including : XXXX police report XXXX FTC report XXXX dispute the account with creditor XXXX dispute the account with credit bureaus XXXX submitted supporting documents XXXX submitted identifications documents XXXX XXXX XXXX is claiming the account is mine, I have never had this account with them, once I new about the account at the time I as applying for a loan I contacted XXXX XXXX XXXX and reported this XXXX account XXXX I also went to the bank in person as I was instructed and followed all XXXX XXXXXXXX XXXX procedures to remove the account with no luck. 

Account number 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 2017-07-30
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I contacted PNC bank on XXXX/XXXX/17 around XXXX XXXX CST, in order to attempt to enroll in XXXX XXXX. I had just purchased a new phone and wanted to transfer over my banking information to my new phone which should have been an easy process. Out of all the accounts I am a cardholder of, PNC was the only one which required a phone call. It should not have been a big deal and I have no difficulty calling, however the blatant disrespect received by me due to the action of PNC was appalling.
The first person I spoke with asked for my SSN and a recent deposit into my account. Since my phone was new as I stated above, my PNC app was locked out. She advised me to call back, which I understood.
The next time I called back the woman I spoke with was extremely rude and asked me for my SSN again, and told me she would not assist me until I stepped into a branch. I asked multiple times for additional information or assistance, and she outright told me she would not help me. She told me she was going to be placing me on hold and when I asked why, she ignored me and went ahead with the hold. Five minutes later, she came back and said there was a problem with the phone. Over and over I asked where are you sending me and what is happening, but she ignored me and placed me on hold in the middle of our conversation. She also continuously referred to me as ma'am even clearly stating she thought I as a woman, which I am clearly not.
The next person I spoke with asked for my SSN, DOB, and my drivers license number before telling me to enter a branch. I continued to ask why, and was told he would not be assisting me. When I asked for information to track our conversation such as a name or ID, the Specialist refused and told me he would not speak to me further.
The " Supervisor '' I spoke with asked me roughly the same questions for the 3rd or fourth time now, and then said he did not have any other questions. He promised he would " warm transfer '' me to a Specialist. I waited on hold for 11 minutes, before the Specialist came on the line who had no idea who I was or what was happening. He did n't even tell her the issue or what was done because I still had to give my SSN and all my information again.
PNC bank has shown horrendously poor Customer service, and has discriminated against me based on my potential orientation and/or my gender. I have been a Customer for a few years now, and this is not acceptable.
PNC lied and mislead me through this whole process. I sincerely hope they take criticism and feedback seriously, because their discriminatory and judgemental procedures were extremely unfair and bias.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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 4 separate occasions Ive called Bank of America to reverse a payment made in error to a closed credit card account. Each time the representative has promised the reversal would be done in 24 hours and each time that has not happened. This has caused me to have to move money or miss payments to employees as its been going on nearly 3 weeks with no resolution, On the last occasion I went to the bank 's financial center only to be told by staff that they don't have " access " to business accounts??

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-14
Company: Bridgecrest Acceptance Corporation
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
XXXX practice 'XXXX XXXX  '. XXXX XXXX  '. as recognise more insidious forms of XXXX that counter a very real impact on the employment chances, pay, health and finance of XXXX minorities. 

During the coarse of my tenure with XXXX they adopted acts to discredit and discriminate my account because I made all my payment timely, they seeked to perform acts to remove any all account related to my name to systematically discriminate me from financing another vehicle with them because of ny XXXX 

XXXX would note ny accounts as past due or completely remove my account from their system to enact XXXX XXXX, due to lack of protection by Congress and/or The Department of Justice for systematic XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AMSHERCOLLECTIONSERVICES XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX Amsher is trying collect this debt that is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Hello, I have a car loan with Capital one and have been a dutiful customer, already paying XXXX percent of the loan within one year. I have another account a credit card with Capital one and received a covid extension a few days ago, so I do not have to make a payment.. based on the same information, I asked today for a loan extension but Capital one denied it for my auto payment. They claim it was generated by a computer and they have no influence over the outcome. 

Capital one arbitrarily has established a moratorium program, where consumers can apparently be denied on the exact same basis you were recently approved for. Capital One needs to be fair and consistent. Also I would hope that Capital One would be helpful to it's customers during a pandemic which hundreds of thousands of people have lost their lives and the economy has been devastated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 sent written request to validate the validity of the information used to validate these accounts they have on my credit report on XX/XX/2021. I have made several calls to TransUnion. They have been very rude. I was hung up on then told " I can't help you and put on hold with no one returning to the phone. I can't understand why is it so difficult to provide me with information that show 's that these are my accounts if they have this information.

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 2017-07-30
Company: Sentry Credit, Inc.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a credit card from XXXX and they had a problem when I was in the store with their register. This resulted in multiple charges for the same purchase. They told me it was resolved.
Suddenly I get a letter with the amount of the transaction in collections from Sentry Credit in XXXX, Washington.
I went to their website and found the option to send a dispute message and I did this. I never received a response from them. This was inXX/XX/XXXX After two weeks, I decided to pay the charge and then try to dispute it through the credit bureaus.
I sent the payment by certified letter and asked them for a response to the dispute and then to at least credit the payment.
I never heard from them even after receiving proof that they signed for the payment. I am attaching the certified letter receipt from XX/XX/XXXX when the check was sent.
I then called them and got a very rude person who was not helpful in any way until I got forceful. He then told me that they had received the payment but that it was in storage because they could not show that it was paid while it was in dispute.
Until this day I have never received any correspondence from them and this was nearly 7 seven months ago!
It continues to show up on my credit as not paid and now as a chargeoff!
I called last week and they said they did n't know what I was talking about.
I do not know how to resolve this problem even though I have proof that they signed for the receipt of the money order for {$130.00}.
It is obvious that they are trying to hurt my credit and that they have no intentions to resolve this problem.
I have now had problems getting credit because of this small situation that I tried to resolve immediately.
My address at the time of this situation was different than now : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA 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 2018-01-10
Company: EQUIFAX, INC.
State: OH
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 am Demanding a re-investigation with XXXX account # XXXX that is listed wrong on my credit profile this account has the wrong balance and has been paid in full. This account is not accurate error please delete. FCRA 611 ( 15 U.S.C. 1681I ) The account is settled in full and need to be removed the information is incorrect on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: NAVY FEDERAL CREDIT UNION
State: MS
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Navy Federal Credit Union continuously transfer monies without approval or without a promissory note. Doing this, continually cause my vehicle loan to be in default. I am a XXXX vet, and this angers me, cause much anxiety, distress, as well as aggravating my XXXX. I keep every money order sent to the credit union as well as certified mail receipts. The credit union wrote me and told me that I signed a promissory agreement but I have not. Have mutliple illegal transfers form accounts that can be easily seen on statements. I notified them about this but they continued to do so. I would like to request an copy of the signed and notarized promissiory note otherwise I would like to take them to court for fraud, inappropriate transfers, and illegal practices. I received constantly harassing phone calls at least 5-10 a day in which I can prove via phone records. I receive these calls just about everyday after I have paid. Because of the inappropriate transfers from one loan account to another loan account caused my vehicle payments to be late and then later recieving threats of repossession. Before the illegal transfers, I would be a month or so ahead of payment. Now they are giving me until the XX/XX/XXXX of this month before repossession. These kind of practices are illegal and create XXXX, XXXX, and XXXX XXXX. Its a shame how this instituion abuse and take advantage of veterans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX Date Opened XXXX XX/XX/15 Balance : {$270000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-26
Company: Bread Financial Holdings, Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have already filed a complaint against XXXXXXXX XXXX  This is a debit buyer and you closed the account on this.The card is comenity XXXXXXXX XXXX  in which they are Reporting the same on my credit as XXXX are doing also in which this is against federal law and FDCA I have Called both neither will remove. 
2 parties can not report the same debit. 
And XXXX showed a spread sheet they didn't provide a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
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: Account status incorrect

Complaint:
I have been disputing with equifax credit reporting agency an account that is reporting on my equifax credit report that is completely wrong. I have been disputing this for months now and very fustrating nothing is being corrected. However XXXX and XXXX have corrected the situation and finally fixed it and deleted it off my report. The account is XXXX XXXX XXXX XXXX in the amount of {$860.00}. This is absolutely wrong. I have multiple loans with XXXX XXXX XXXX XXXX that were combined loans and were paid. This {$860.00} if part of the {$6600.00} loan I had with XXXX XXXX XXXX XXXX. It is reporting as delinquet and as a seperate loan. Again this is completely incorrect. I had disputed and requested that this {$860.00} be deleted off my report. XXXX and XXXX  did there investigation on this and the bank responded that the {$860.00} was to be deleted ( which it was ) however equifax is not doing a proper investigation or they would have received the same response and corrected the problem and removed it off my report. I spend countless hours and days trying to resolve this problem as I do not want wrong information that is untrue reporting as it is affecting my credit score and credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: Genesis Credit Management, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I rented a property from XXXX XXXX that almost XXXX  me due to XXXX XXXX XXXX.. I contacted the property manager XXXX XXXX and informed them that I had been diagnosed with XXXX XXXX XXXX my family pet XXXX my niece and nephew were also sick and that the XXXX XXXX XXXX cut off the heat due to the flex line leaking carbon monoxide. Immediately the manager XXXX got really mad. I told her there were no carbon monoxide detectors and that I would need a heater due to the heat being shut off because it was supplied with gas. Then they told me they would not and that they wanted me to move because I was causing them a Hassel. We almost went to court but after many documents we came to resolution and there was no debt owed. I have called them and asked them to remove the fraudulent debt and they claim they will continue to ruin my credit in retailation for the costs of fixing the flex line which had nothing to do with me. I have contacted the credit companies as well as the collector that has been trying to collect a debt I do not owe I also sent him the court document showing there was no judgement and the case was dismissed. They have not been willing to take it off my credit and I am homeless due to this false debt that they claim I owe even after I Almsot XXXX and my family pet did XXXX and my niece and nephews were sick due to there inhabitable living rental that they rented me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: Experian Information Solutions Inc.
State: TX
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:
Experian is showing a late payment on my credit file for XXXX account # XXXX in XXXX of XXXX. Also Experian is showing a late payment for XXXX account XXXX XXXX for XX/XX/XXXX after the account was reported closed. According to 15 U.S. Code 1666b.Timing of payments ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2018-01-11
Company: BB&T CORPORATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I got a line of credit through XXXX XXXX 10 years ago. I never missed a payment nor has it ever been difficult to make a payment. The new bank BB & T is demanding the full loan amount paid in full which I do n't have at this time. I 've made numerous attempts to try to refinance, restructure, or get a loan modification. The bank has made little to no effort to help me resolve this situation. As quick as they were to give the loan they should be as quick to help me resolve this. I do n't want to lose my house and will do what ever it takes to keep it.

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 2017-09-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
Bank of America, in it 's capacity as servicer transferred a loan that was foreclosed to XXXX to collect. On XX/XX/XXXX, XXXX XXXX XXXX, BOA 's attorney responded to a complaint advising the Rescission Deed reinstated the lien and debt. On XX/XX/XXXX, a year later, XXXX XXXX XXXX, BOA 's attorney, conceded the Rescission Deed and Foreclosure sale we 're both invalid. On XX/XX/XXXX, the Court declared the Rescission Deed was invalid. However, XXXX the alleged successor to BOA is continuing to report this on my credit adversely without any legal authority. Please forward this complaint to the Federal Trade Commission for review, along with the historical file of my complaints.

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