BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-17
Company: PNC Bank N.A.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
The complaint is related to a PNC Bank credit card. The card has been used successfully for 14 years. The card has XXXX points, and I called to request the points be converted to a credit on the account. This had been done by me successfully one year ago. On approximately, XX/XX/XXXX, I called customer service to request the points be credited to our account. After being on the phone for 45 minutes and talking with two customer service representatives, I was transferred to XXXX in the fraud department. The reason, I learned, is that my husband is the " primary '' on the card ; I am a " qualified '' user ( my terms, may not be what PNC uses ). That was learned during the last 10 minutes of the 45 minutes on the phone -- after I asked XXXX a simple question, " What is the problem? '' My husband 's last name is not the same as mine, he is XXXX   years of age, was diagnosed with XXXX XXXX in XX/XX/XXXX ; and was unable to answer some of the security questions. That is, I believe, why we ended up talking to the person in the fraud department. This card is the only PNC Bank connection we have. XXXX solution : go to the nearest PNC Bank and complete paperwork to have me listed as a primary on the account. She looked up on her system, and said there is a PNC branch in XXXX, Minnesota. They are no longer a branch, and there is not a PNC facility within our state and region. At no point were forms offered that would allow me to become a primary on the account. To me, a simple solution would be to mail them, complete them, have them notarized, and mailed in. I am no longer using the card, and plan to cancel it upon a satisfactory resolution of the outstanding points -- in the form of a check sent to our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This is a problem with XXXX XXXX XXXX and Capital One. I have a XXXX XXXX with XXXX XXXX XXXX which is managed by Capital One. 

I believe Capital One had a system upgrade during the spring time, and there could have been some problem, because I have not received any statement from XXXX XXXX XXXX   from XX/XX/XXXX to XX/XX/XXXX, so automatically my balance became " unpaid '' without noticing at all. 

I have not received any statement or any notice from XXXX XXXX XXXX credit card in XXXX, XX/XX/XXXX, and XX/XX/XXXX until I received an email from XXXX XXXX XXXX on XX/XX/XXXX " We see you missed a payment on XX/XX/XXXX '', which was a big surprise to me, since I have not received any statement/bill from XXXX XXXX XXXX for a few months. I looked back my email account and really there was no statement emailed to be in XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXXuntil I received such alert email. In a shock I immediately went to my account and I saw late fees and interest. XX/XX/XXXX was Saturday and the coming Monday was a holiday so I waited until Tuesday XX/XX/XXXX,  and contacted customer service of XXXX XXXX XXXX. I told the situation that I had never received any statement email or any alert email when I missed my payment due dates in XX/XX/XXXX or XX/XX/XXXX until I received one in a few days before. They waived the late fees but did not waive the interest, which was over {$80.00}. To manage, I immediately paid the balance. I can not understand why I have to be responsible and have to pay the interest, particularly with my 100 % on time payment history with full balance until then. 

Please investigate the issue with Capital One and XXXX XXXX XXXX. Not only the unfair interest was charged to me, but also this incident damaged my credit score. You can see my past very high credit score and payment history if you investigate. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 contacted Transunion via phone on XXXX XXXX to confirm the request to remove fraudulent inquiries that I have reported several times in writing. They stated these inquiries would be removed yet they were still present as of XX/XX/2023. I called to reinstate my request these inquiries were fraudulent.

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 2018-08-03
Company: Experian Information Solutions Inc.
State: AL
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:
1. XXXX XXXX XXXX : disputing information on credit report since XX/XX/XXXX to XX/XX/XXXX ; car loan was paid off by my insurance due to being totaled in a car accident in XX/XX/XXXX. They are reporting to the bureaus that the loan was a charge off and balance not paid in full. Disputed claim with no information of findings. 

2. XXXX XXXX XXXX XXXX XXXX : reported to bureaus and the company that the mortgage loan was not included in my bankruptcy case. Reafffirmation documents were sent to XXXX in XX/XX/XXXX and this month of XX/XX/XXXX. No change on credit reports has been submitted. 

3. XXXX  XXXX XXXX : company is reporting that I was 120 days past due in XX/XX/XXXX and and XX/XX/XXXX, I contacted the company and was told that I didn't have a loan on file. My loans were sold and consolidated in XX/XX/XXXX and I have been making payments to XXXX XXXX XXXX since then and am in good standing.

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 2018-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
transunion or XXXX  is not letting me monitor my account which is a violation b/c of my id theft and been charged fees in the state of texas if youre a victim all fee 's are waived

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 2021-07-10
Company: Experian Information Solutions Inc.
State: CT
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:
On In XX/XX/2021, I filed a report CFPB that my Experian Credit Report online account information was consistently hacked, incorrect information repeatedly reappearing- when fixed on XX/XX/2021 and in one week my FICO was corrected and increased to XXXX on or around XXXX and with in three days dropped from XXXX XXXX and on XXXX showed a damaging FICO score of XXXX. The XXXX people in my neighborhood have hacked into my Experian Credit Online Accounts, answered their calls at the call-center and began filing false delinquencies on my Experian Credit Bureau Reports and Accounts once again on XX/XX/2021 to XX/XX/2021 ; These people have stolen my identity and seem to be affiliates of Experian Associates. In addition Experian hasnt been protecting my Experian Credit Bureau Account that I pay monthly and Im seeking immediate compensatory damages because of Week XXXX XXXX XX/XX/2021, FICO increase and rapid decline- from XXXX : XXXX : XXXX date my documents will show XXXX XXXX took responsibility and closed out the account, because I paid for an XXXX bonus offer and not a {$150.00} credit card : 2. XXXX XXXX XXXX- Closed out the account upon my request because my card account was stolen. I did inform the creditors these issues seem to involve their affiliates and affiliation with these neighbor criminals and hackers ; Please investigate! This is organized crime and corruption and financially damaging my lively-hood!

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 2018-06-17
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I had my mortgage with XXXX until XX/XX/2018 when it was sold to PennyMac.. I  got a letter from both companies and was told I did not need to do anything but change payment to new company. Then I get a letter from PennyMac XX/XX/XXXX saying I did not have homeowners insurance and I needed to send proof I have it and if not they would get insurance and I would have to pay. 
Then I get a letter from XXXX XXXX my insurance carrier saying that they had tried unsuccessfully twice to contact PennyMac and they would not reply. Penny Mac Maliciously tried to get me to pay for a bogus insurance they have. This was a threat and a scam. I have never been late paying anything and PennyMac is a unprofessional mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
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 status incorrect

Complaint:
Bank of America shows a late payment in XX/XX/2011 that is incorrect.

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 2021-07-10
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Reviewed my credit report Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC Reporting account that shouldn't be on my report. Incomplete Collection Account and Unknown. Incomplete accounts shouldn't be on my credit report per federal law. XXXX XXXX? incomplete and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I signed a Extension Contract with Santander Consumer USA on XX/XX/XXXX due to the hurricanes in the Carolina in XXXX. In that contract 2 months were moved to the end of my loan and my loan extended till XX/XX/XXXX. In addition my next payment was not due until XX/XX/XXXX. 

Company repossessed vehicle 11 days prior to XX/XX/XXXX on XX/XX/XXXX and refuses to return vehicle and reinstate loan or return vehicle. 

In addition company breached the contract and no other signed documents have been agreed upon since the XX/XX/XXXX. 

Company deceived consumer by information provided by management by changing the agreement and sending out a letter to the consumer ( never received ) stating that the payments waived were for XX/XX/XXXX and XX/XX/XXXX. IN addition this created a Right to Cure letter to benefit the company which the manager stated that needed to be paid by XX/XX/XXXX. That letter per the manager stated the amount due by XX/XX/XXXX was XXXX. That Right to Cure letter was also not received by the consumer. 


Lender did steps to the account without signatures or confirmation to agreement on XX/XX/XXXX that benefited their company. They did deceptive trade practices and mislead the consumer. IN addition they illegally repossessed the vehicle on XX/XX/XXXX and provided false and misleading documents to the Repossession company

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17
Company: EQUIFAX, INC.
State: AK
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:
My legal last name is wrong on all three reports, address is wrong and Ive lived at my current address for almost four years. My jobs are not correct. Ive owned a business for over 6 months and have been working for said business since I started it. Ive had a account with XXXX XXXX XXXX for 6 months and havent been late on a payment ever, but I dont see that in my report. Funny how companies are so quick to report negative items but not the positive ones. Broken system if you ask me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX I paid an Escrow Shortage it was NOT credited to my Escrow acct they credited it as an EXTRA PAYMENT and they did not correct that error. I rec 'd XX/XX/XXXX's payment statement and due to the fact that they did not correct the XX/XX/XXXX error the payment was lower then it should have been but I paid the XX/XX/XXXX. amount which they said I owed. They did not credit that properly, they credited that as an EXTRA PAYMENT and have not corrected that error. Then I rec 'd XX/XX/XXXX 's statement and paid that and again it was the wrong amount. Again they credited it as an EXTRA PAYMENT. They have not corrected that payment neither! The bank called me and left a message for me to call that bank. I returned the call ... .. the woman I spoke with told me I had NOT paid XX/XX/XXXX 's payment and that I was way over due on it ... ... I told her I had in fact paid it and I gave her the date of which I paid it and the check number, They STILL have not given me credit for that payment I have gone to my local branch bank and the branch manager there has also attempted to get this corrected she is not having any luck neither.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-17
Company: Experian Information Solutions Inc.
State: AK
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:
My legal last name is wrong on all three reports, address is wrong and Ive lived at my current address for almost four years. My jobs are not correct. Ive owned a business for over 6 months and have been working for said business since I started it. Ive had a account with XXXX XXXX XXXX for 6 months and havent been late on a payment ever, but I dont see that in my report. Funny how companies are so quick to report negative items but not the positive ones. Broken system if you ask 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 2020-07-04
Company: EQUIFAX, 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: Account information incorrect

Complaint:
On my previous complaint against XXXX XXXX XXXX complaint number XXXX I stated the unprofessional way that I been treated by XXXX XXXX XXXX and letters that I have sent to them about a debt verification for the account that they are reporting to my credit report. They resolution yo complaint XXXX was the following, STATUS Company responded on XX/XX/2020 RESPONSE TYPE Closed with explanation Company 's Response XXXX has completed an investigation of all seven social security numbers associated with XXXX XXXX. One is confirmed bankruptcy so we have closed this account and requested a removal from his credit report. Thank you. 

At this point that account still showing in my credit report affecting my financial reputation and been affecting me for years because XXXX XXXX XXXX failed to appropriately investigate the several disputes that I been sending to them and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Experian Information Solutions Inc.
State: NC
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 reached out to Experian both via Mail and the CFPB in dispute and complaint before with full attachment and supporting documents from law enforcement and supporting my identification only to have the Experian send me a letter stating they have not received it, when I have full receipts from both of the aforementioned.I am once again submitting these items to your office in hopes that Experian will acknowledge my dispute/complaint of fraudulent accounts coming forth from identity theft.

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 2018-06-20
Company: HW Holding, 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: Account information incorrect

Complaint:
Hunter Warfield and its representatives are attempting to collect an account for which I didn't sign a lease. Hunter Warfield contacted me about collecting a debt that I don't have any responsibility for. If there is reason to believe that I am responsible for this debt mail me documentation with my wet signature that I have entered into a contract with Hunter Warfield and its representatives who are attempting to collect an account for which I didn't sign a lease. I never entered into an agreement via a signed a contract with Hunter Warfield and I do not owe for this debt. I request that all other communications with me and with this address cease and a record entered that I dispute having any obligation for this debt. If Hunter Warfield stops collection of this debt and forwards or returns it to another company, please indicate to them that it is a disputed debt. If this debt is reported or has already been reported to the credit bureau, also report that the debt is disputed.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I disputed the debt through XXXX  and the debt was removed. 2 months later the item was re-inserted. I disputed the debt again but the said the debt and asked for information to verify the debt. No communication was sent to me telling me what the debt was for. 

ASSETCARE LLC Account XXXX ASSETCARE LLC Account XXXX  ASSETCARE LLC Account XXXX  ASSETCARE LLC Account XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-10
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
1.The debt collector didnt speak to the consumer in person or by phone before furnishing XXXX, XXXX  and XXXX  credit agencies with negative information on my credit reports. Please provide any and all phone records personal notes of in person communication between debt collector and consumer for record. 

2. Debt collector failed to provide a letter or message to the consumer about the debt in violation of his right to respond in a reasonable period of time to receive a notice of delinquency. Please provide any and all written communication for record.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: PNC Bank N.A.
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:
PNC BANK account # XXXX is reporting this account negatively. To all 3 of the credit bureaus on my credit report. I will need for PNC BANK to provide me with the original instrument of indebtedness bearing my signature. Also I will need the photo copy of the government issued photo ID and photo copy of the social security card used to secure this debt. If this very critical information is not provided there is no way for PNC BANK to state this debt was created and definitely no way it can validate it is owed by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: Experian Information Solutions Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this account with Experian and the original furnisher and this account is unverified, according to Section 609 of the FCRA the company has to provide the proper documentation of this account when investigating the company is to provide you with an original signed contract with my signature. Avant- account number XXXX ... I want them to prove this account is mine please reach out to them for any signature or contracts for me. I need accuracy. Here is a phone number for XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation