BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
Received an invitation in the mail ( XXXX/XXXX/2017 ) from my bank saying ( in very large letters ) : " You ; re Invited ''. " Upgrading your account to " Preferred '' is " easy '' and your account number will not change.
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Shortly afterwards on the same day, I telephoned my bank branch ( Fifth Third ) as instructed by the notice. The bank informed I did n't qualify and needed about {$30000.00} more in my account.
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I find this extremely misleading, evasive and extremely poor business practices. You do n't invite someone and then turn them down, it 's that simple. The bank was also not truthful when they claimed the process was " easy '' ... ..far from that!!!
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After examining the flyer further, I did notice the fine print on the back. However, It should have stated on the front that certain conditions had to be satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: TRINITY HOPE ASSOCIATES
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company who I have previously filed a complaint against has absolutely NO CONTRACT with me. I 've never received a notice in the mail, a phone call, or an email in regards to the debt that 's being reported against m y SSN.  Before my initial complaint was filed, no one from the company has ever attempted to contact AT ALL. The only way I knew of the debt is because I recently received copies of my credit report from  XXXX ,  XXXX , and   XXXX  .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
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: Account status incorrect

Complaint:
XXXX sold my account to two different companies and it is now showing up on my credit report two times with two different companies at a {$1.00} difference. I disputed with 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 2022-01-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

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 2022-02-10
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXX Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX Account # XXXX / Account ID XXXX XXXX XXXX I am disputing the XXXX of 2021, 30 days delinquent mark on my credit report. 
this is an error please remove.

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 2022-02-10
Company: TRANSWORLD SYSTEMS INC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My ex-spouse used my identity to open accounts without my knowledge while we were separated. I completed an identity theft report and sent it to the creditor. They still have not removed it from my credit report.

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: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to Experian asking them to describe the steps they took to verify the public records on my account. The only response I received is that XXXX XXXX verified it, but XXXX XXXX says that my account is suppressed so there is no way they could have verified. The courts have explained that they do not " verify '' these accounts to credit agencies.

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 2022-02-10
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 2019-10-03
Company: Porsche Financial Services, Inc.
State: CA
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:
My complaint is against Porsche financial services account # : ********XXXX, date open : XXXX, account closed and paid. Back on theXX/XX/XXXX, I sent to the mentioned company a letter to investigate the mentioned account because the bank account from XXXX XXXX, assigned to make payments to Porsche the fraudulent activity therefore my Porsche account incur to 2 late  payments XXXX and XX/XX/XXXX ( time we had fraud incident ), since the fraudulent account assign to make payments was frozen. Checking my reports, I notice that that Porsche a company that I personally appreciate making business with them, didnt even took the decency to mark my account as disputed after they received my dispute notice, they didnt investigate my account required by the Fair Credit Reporting Act, they totally disregarded my complete information sent to them to at least make an investigation. This is negligence, unfair business practice, never received a late payment insertion by mail and once I seat down with my lawyers Ill have half a dozen more violations. I dont want to take this case to court, but if I dont receive a deletion letter from the mentioned company, indicating to remove all negative marks, I will take this case to be decided by a judge. This is my last resource to get Porsches attention regarding my issue. I have a {$800000.00} mortgage pending because this negligence. Im attaching letter sent to company to investigate account, letter provided by bookkeeping company stating the fraud issue, Im attaching a XXXX account bank that indicates I had more than enough money to make the payment when the incident occurred ( all of this was initially sent to them ) and Im also attaching the proof of fax received by Porsche. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have reported the fact that Equifax is not reporting my mortgage loan payments correctly in 2018. After Equifax did nothing, I filed a complaint ( XXXX ) with the CFPB. Equifax said they would fix it. That is yet to happen. The poof that I sent in the last complaint has not changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: Experian Information Solutions Inc.
State: ME
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:
After numourous attempts of dispuit negative information on my credit reports. They have failed to provide me, proof of contracts and proof of my consent of inquiries and negative credit reporting on my report under Fair credit Reporting and Fair Credit Act laws. EXPERIAN has also went as far as, telling me, I can not dispute negative items cause they were already disputed, yet, they have provided me with no proof of permission I have given for inquries, and, proof that, I have contracts with, and, have given these companies permission to report on my credit report, under Fair Credit Reporting and Fair Credit Act laws.

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 2022-02-10
Company: Lending Club Corp
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XX/XX/XXXX I received a loan for the amount {$18000.00} from lending club after receiving a denial email from them. I have never once received a letter stating that I was approved or anything pertaining to an account number with them. I immediately cancelled the loan with them, but due to them sending out the money I had to wait for it to return from my credit card companies. XXXX XXXX sent money back to my account ending in XXXX and XXXX XXXX XXXX XXXX XXXX did a reversal and sent back the money directly to Lendingclub Bank & affiliates. XXXX XXXX previously sent out a letter confirming where they sent it back to and this will/can be provided once delivered again. As shown in my bank statements is the following : XX/XX/XXXX Received {$6700.00} from Lendingclub Bank in account ending XXXX XX/XX/XXXX Received Refund of {$6800.00} from XXXX XXXX in account ending XXXX XX/XX/XXXX Reversal of {$5200.00} sent back to Lendingclub Bank in account ending XXXX XX/XX/XXXX Lending Club withdrew full amount of loan {$18000.00} from account ending XXXX XX/XX/XXXX Received overage paid of {$5200.00} back from Lending Club in account ending XXXX Lendingclub Bank will not send cancellation/termination letter stating loan has been fully refunded. Yet have now sent an email stating there is a new loan of {$5200.00} and will be trying to withdraw it in the next 7 days. They say that the account is past due and are trying to collect a debt which is not owed and have a recorded conversation of ours today XX/XX/XXXX at XXXX Eastern Time to confirm this. Lendingclub Bank is also still reporting this loan to the credit bureaus as full and unpaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Why are is PNC not allowing use of the XXXX app?? That is the easiest way to send money to friends/family for whatever reason. It's all of the sudden not allowing me when previously this was not an issue. Its EXTREMELY disappointing!!! The only thing I can figure is that PNC is forcing everyone to use XXXX on their app or website which is XXXX! Please fix this so that we have the ability to use XXXX again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 had a XXXX lease, with a co-signer that terminated in XX/XX/XXXX. In XX/XX/XXXX, I declared Chapter XXXX bankruptcy. XXXX XXXX stated that a re-affirmation was automatic if we continued to make payments, and no paperwork would be needed. ( Specifically, customer service told me and my lawyer " we ( XXXX XXXX ) don't do paperwork anymore '' ). I assumed that my credit report would reflect ongoing payments, but it never did -- only indicating that I declared bankruptcy, meanwhile notating a repossession that occurred in XXXX. 

Upon the conclusion of the lease, I sold the vehicle to a dealer. Following a dispute to Transunion, XXXX XXXX XXXX credit bureau reporting has since been updated to only state " Chapter XXXX bankruptcy '' with no mention of the repossession or any negative remarks. However, my XXXX and XXXX still contain negative remarks and negative payment history ( meanwhile not indicating a high/low balance or anything like that ). Because I declared Bankruptcy, there should not be any negative remarks on my credit report.

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 2022-02-10
Company: Ascendium Education Group
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Idiots. This is not a duplicate complaint. ONE IS FOR XXXX. THE OTHER ONE IS FOR ASCENDIUM. 

NOT A DUPLICATE NOT A DUPLICATE NOT A DUPLICATE XXXX This is for Ascendium. 

NOT A DUPLICATE. NOT A DUPLICATE. NOT A DUPLICATE. NOT A DUPLICATE. NOT A DUPLICATE. NOT A DUPLICATE. NOT A DUPLICATE. NOT A DUPLICATE. NOT A DUPLICATE. NOT A DUPLICATE. NOT A DUPLICATE. NOT A DUPLICATE. NOT A DUPLICATE. NOT A DUPLICATE. NOT A DUPLICATE. NOT A DUPLICATE. 


YOUR COMPLAINT Ascendium, the loan guarantor ( and XXXX, the loan servicer ) are both threatening collection action, call the loan and damage my credit history for an amount they claim is overdue, but I am actually paid ahead. Ascendium sends letters and calls, but I offered to sit down with someone to go over my payment history evidence. Ascendium tells me I have to talk to XXXX. " ... see attachment for full text. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I asked capital one, via telephone to have my account XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX XXXX closed on XX/XX/17. They have not provided any documentation that they did so, and they flagged the account as restricted. They will not give me permission to record the conversations but they do. The law needs to be changed to require a email response to the request and there response, as it is now it only protects the powerful at the expense of the consumer. The internet providers are worse they lie and abuse customers with impunity. 
How do I get capital one to close my account?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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 2017-07-14
Company: ERC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received letter From ERC dated XXXX XXXX XXXX that is attached. Half way down the page you see the letter states " Unless you dispute the validity of the debt, or any portion thereof, within 30 days after your receipt of this notice, the debt will be assumed to be valid by us ''. However on XXXX XXXX XXXX only 6 days after receiving this letter ERC reported to all XXXX Credit Bureau 's as a valid debt instead of allowing me the 30 days. I believe that ERC violated my consumer right 's afforded me in the Fair Credit Reporting Act.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/XXXX a check for {$40.00} ( Check XXXX ) was presented at the bank. They returned the check, charged me a {$35.00} fee. When I called, BOA advised the check was not paid nor would it be paid in the future. On XX/XX/XXXX the check WAS RE-PRESENTED for {$40.00} and was put through and cleared. I was not informed. Again, I was told it would NOT BE PAID. On XX/XX/XXXX,  Bank of America charged me two more fees, {$35.00} and {$30.00} for this same check. Therefore, the bank charged me a total of {$100.00} in fees ( 3 total ) for this one check # XXXX written in the amount of {$40.00}. I contacted the Consumer Affairs Department directly of the Bank. I left several voicemails. The calls were not returned. The problem was not fixed. On XX/XX/XXXX I went in person to the Bank with a scheduled appointment. ***I am XXXX, having problems with an XXXX and NOT supposed to be out. I had no choice. The representative argued, then requested a partial refund ; he advised I would get {$40.00} of the {$65.00} overcharge back. On XX/XX/XXXX someone from Consumer Affairs left me a voicemail that " You got a refund of some of your fees. We will not do this for you in the future. Call if you have questions '' This woman had no idea I went in person, against medical advice, and made the request. This bank has done this to me over, and over, and over and over. They owe me {$25.00} additional dollars back.

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 2018-01-02
Company: WELLS FARGO & COMPANY
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX/XXXX/XXXX, I arranged my payment due to Wells Fargo Dealer services in the amount of {$930.00} to be drafted out of my account today, XXXX/XXXX/XXXX. This payment is in reference to transaction number XXXX. I received a missed call and voicemail today, XXXX/XXXX/XXXX from XXXX at XXXX PST from a woman named XXXX with Wells Fargo Dealer Services saying that she was calling to collect a debt in reference to my car payment. This is a formal complaint against Wells Fargo Dealer services for calling me when I already had a payment scheduled three days ago. 

Also, I returned XXXX 's call immediately and while I was on the phone verifying my information, I discovered that Wells Fargo Dealer services had the WRONG ADDRESS and WRONG PHONE NUMBER associated with my account. They had my address listed as XXXX XXXX XXXX XXXX, which is not my address, and the phone number XXXX as my phone number on file which has never been my phone number.

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