BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-12
Company: PNC Bank N.A.
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
PNC Bank is my home equity loan, open line of credit. This loan I have had for over 14 years. Within the recent years, PNC has misapplied payments on my account. I have complained so many times and still not resolved. I have notice while going over statements recently they added 6 months to my loan and added money to my balance. The reason I'm contacting you is because I can't trust this bank with anything they tell me. I have been lied to going back to XX/XX/2018. My complaint I contacted corporate. They took my information. I was told someone would call me back today. I was contacted from PNC ( XXXX XXXX # XXXX. XXXX promised me so much. She said not to worry that they have been changing computer data.A computer conversion. She said she had many customers with the same problem. The new system didn't transfer everything correct. She said it was applying payments to princable and not monthly payments. XXXX promised the account would be fixed. I also requested while talking to XXXX if I could change my bill due date. She said she would do that also. while this was going on I explained to XXXX that they where holding up the process for me to refinance my loan for work I wanted done to my home. She had another person contact me ( XXXX XXXX. ) Spoke to XXXX XX/XX/2018, I called to make a payment And just was told I was in default on my loan. I now have been dealing with XXXX XXXX. She said I can't make any payments until I pay full balance owed. I don't owe what they say I owe. I shouldn't be past due. XXXX won't send me anything on how my payments have been applied. She said she needs all my bank statements where my payment comes out of my checking acct. She said she needs check copies. They aren't telling me what month is due. I just went over my statements and see they added 5 loan pmts to my loan. Also they added money to my balance. I included the documents. I have two accounts with this conversation being done. I need to know what months on my loan are not paid. I'm so scared because I have been dealing with XXXX from XXXX. I was waiting on The Federal Reserve to help me. I was told they don't deal with PNC complaints. I need to contact you at CFPB. Please help me because they said I can't pay my monthly payment until past due paid. I shouldn't be past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 would like this illegal and misleading information deleted from my credit report from XXXX XXXX XXXX. this account was closed then reopened the missed payment days are incorrect which is illegal. I have reached out to XXXX XXXX with 2 certified letters and got no response within 60 days

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 2019-06-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The following accounts have been disputed on these dates : XXXX, XXXX for late pays after account closed, comments/remarks incorrect, never got a response for XXXX, XXXX , Experian 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 XXXX XXXX XXXX XXXXXXXX

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 2019-11-12
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 information incorrect

Complaint:
I recently re-disputed the results of a previous dispute. I am finished disputing and want to go to court with all three major credit credit bureaus. The three are siding with the creditor rather than validating an official Federal document i have provided them showing the creditor either took advantage of my accident in XXXX by continuing to debit my monthly payments for a year on the lease car i was not driving or the 3 bureaus are posting false and misleading information to the general inquiries about my report. 
I returned the lease car on XX/XX/XXXX, The proof of that statement is on the Federal odometer reading document. It states very clearly the auto was returned to the dealership on XX/XX/XXXX. why does the creditor report last activity as of XX/XX/XXXX. They either debited my account for 1 year after the car was returned without my knowledge and then realized there was a mistake and deleted it XX/XX/XXXX. Why would I want to make payments on a car for a year after I returned it in XX/XX/XXXX when I was not driving it. 

Either that or all 3 bureaus are up to there previous tactics which they paid fines up to XXXX XXXX dollars to the Federal Courts in several states for providing false and misleading information regarding individual credit reports about thousand and thousands of individuals like myself. I was at there mercy then and still am. Now I am tired of dealing with them and my Attorney would like to see all 3 in a XXXX County courtroom in front of a judge to check the accuracy of there reporting. I have called them and I have emailed them and they will not provide me with a name, address, city and state to have them summoned to go to court I guess since Im not a creditor that pays the bureau to provide information whether it is correct or not means the the bureaus that are being paid will present the information whether or not it is correct I want to get this settled once and for all and then publicize the results and let other people know how they are getting ripped off by the 3 agencies 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 2022-12-01
Company: Experian Information Solutions Inc.
State: TN
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:
Dear Madam or Sir, I am disputing the information XXXX XXXX XXXXXXXX of {$1200.00} in my credit reporting. We do not owe any money to XXXX XXXX XXXXXXXX, on the contrary the company owe us because we overpaid them. 

Our last day in the apartment was XX/XX/XXXX and was credited 7 days rent. By looking at the attached balance statement you will see that the company charged us the month of XXXX, which is incorrect and does not make any sense. If so why give us 7 days credit for the month of XXXX? We moved out of the property in XXXX and returned the keys. 

Furthermore, if you look at the court document you will see that the eviction case was dismissed and all costs and taxes to be paid by plaintiff. Again, if you look at the same balance statement you will see that we were charged {$230.00}, which is in complete violation with the court order. 

I am requesting this wrong information to be deleted from my credit report because I do not owe any money to XXXX at XXXX. Thank you for your understanding!

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 2022-04-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Portfolio Recovery Associates are in violation of the Early Warning Clause. Portfolio Recovery Associates has to delete account off my XXXX, XXXX and XXXX credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft KOHLS/CAPONE Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. XXXX Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Experian Information Solutions Inc.
State: GA
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erronerously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XX/XX/XXXX, XXXX XXXX  I XXXX Balance : {$300.00}XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}

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 2022-04-17
Company: WELLS FARGO & COMPANY
State: NC
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:
Wells Fargo Bank NA reported a hard inquiry on my credit report on XX/XX/2022 that was only supposed to be a soft inquiry. XXXX XXXX XXXX XXXX ( a company offering financing through Wells Fargo ) told me that the Wells Fargo financing they offer would only be a soft inquiry and also never told me that it would be a revolving line of credit. I was under the impression that the purchase would be secured by a loan. These factors negatively impact my credit score.

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 2022-11-30
Company: Experian Information Solutions Inc.
State: FL
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:
In accordance with the Fair Credit Reporting act XXXX  account # 's XXXX, acct # XXXX, acct # XXXX, acct XXXX, acct # XXXX, acct # XXXX, acct # XXXX, acctXXXX XXXX, acct # XXXX acct # XXXX, acct # XXXX, acct # XXXX has violated my rights 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S. 1681 Section 604 A.Section 2 It also state the consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: ACIMA CREDIT, LLC
State: NY
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 on various occasions reached out to this company and also disputed the charges via the credit bureaus. Have send proof of my identity, my signature even proof of police report clearly stating my list of personal property that was lost, which included my license, ss and various credit cards. This company sent me what is supposedly a contract signed by me which is not even my signature but my name handwritten and with the purchase made out of the state of NY in some other state I have no connections with.I have requested for proof and information and have been completely ignored and told in a very rude matter that it was investigated by the company and the charges are mine without them sending me any proof as ask.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: FIRST HAWAIIAN, INC.
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Hello I checked my balance with the teller twice during the week that the NSF fees are charged to me. I asked her if there were any outstanding balance due. 
She said that there were none. 
The next day or two charges for insificent funds began to be charged to my account. 
I went to the bank and spoke with the manager on the first day of the charges accruing and she said that this was not something that the branch handles. However, on the paperwork that First Hawaiian Bank sent me the bank states that I can go to any branch and they will tell me what my balance is. I called the XXXX XXXX Hawaii branch and they told me to give them my phone number and they will call me back. No one called me back. First Hawaiian Bank was not forthcoming with the outstanding balance and then added the charges for the insificent funds. 
First Hawaiian Bank had me sign up for overdraft protection plan for checking account and then told me that if I didn't want to get charged for the overdraft fee I will have to opt out of the program that they told me to sign up for to avoid this matter. When I went to the bank to see what happened, the teller told me that I should have read the fine print.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My computers were hacked on XX/XX/XXXX. Everything was jeopardized and caused the problem with my credit. Scores as well as my credit account. My identity was in jeopardy because they hacked into my bank account and at some points my bank balances were inaccurate. When I reported it to the local police department XXXX. XXXX XXXX told me through an email, he was hacked before so what made me different? I responded because I have federal papers on my computers and if they are in the wrong hands, it can be a problem for myself and my family. I was recruited for DEA at one time as an FBI : Special Agent. Although I turned it down it was still on my computer and I completed federal court cases from the XXXX XXXX XXXX to the US Supreme Court. Also, the hackers wanted my homes that were promised to them by my nephew with an illegal Gift Deed. These hackers were known to be in the drug business and their aim was to mess up my finances so they went after my bank account with fraudulent activities taking large sums of money from my bank account. They overtook my computers and my cell phone, landline phone, and computers. They paid individuals to try to take my identity through my XXXX  card, dr. appointments, and medication. They threaten individuals who worked for me because they wanted my house at XXXX. XXXX XXXX, XXXX, GA XXXX. They tried to steal my identity by having others pretend they were me and go behind me to change things around mean. They interfered with my US Postal Mail and last but not least when they had a tree from their property to damage my auto. They paid XXXX XXXX XXXX XXXX to total my car because they knew it would be hard for me to find another one on my modest income How the credit scores came involved when I start looking into home equity that I never used and I talked to XXXX about a reverse mortgage ; then, it was obvious my computer had been hacked because XXXX asked if I was in Good Standing on my credit scores. The hackers started having XXXX come up with all types of discrepancies and when I contacted XXXX  XXXX XXXX, I remembered they told me that fraudulent activities were on my bank account since all this started in XXXX of XXXX. So I should have notified them but I received no support from local law enforcement. I had to do it all myself and when I reviewed my credit report, I never informed them I was a victim of Identity Theft because the hackers had all my information. They wanted my home at all cost even to the point they raised my dead mom ( who passed on XX/XX/XXXX ) and they said she gave a Gift Deed of the house to someone in 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 2020-06-02
Company: Capital Accounts, LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 at XXXX, I contacted Capital Accounts regarding a collection account that showed up on my credit report for {$61.00}. They stated it was for a dental bill at XXXX XXXX XXXX. I told them that I have never been a patient of that dentist, they asked if I had a spouse or children that were a patient. Since my children are grown and out of the house, I told them that I did not know. They stated that since I carried the insurance for the account that I was legally responsible for the bill, even though I did not sign any agreements. I informed them that is not the case and asked them to send me the information on the account and they said they could not. They also did not send me the notice of debt within five days of our first communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Radius Global Solutions LLC
State: OH
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:
XXXX Notice for validation. This debt was put on my credit report without notice and i would like them to validate that the debt with a itemized bill to confirm amouts owed

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 2019-11-12
Company: Reliant Capital Solutions, LLC
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Reliant Capital Solutions has repeated contacted me attempting to collect an alleged outstanding balance with XXXX XXXX XXXX XXXX XXXX  XXXX, where I was a student in XX/XX/XXXX-XX/XX/XXXX. I had resolved my balance with the school ~15 years ago. When I first received communication from Reliant about this, I requested proof of this outstanding balance. I requested a signed and notarized document provided by the school 's accounting department within the last 6 months. They only responded with an unsigned, unnotorized statement from the school dated XX/XX/XXXX, pre-dating my resolution of that outstanding balance. They have refused to take any steps to provide more legitimate proof of this debt and continue to contact me despite my formal request to them to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-12
Company: Shellpoint Partners, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was notified by my current Mortgage Servicer XXXX that my service provider was changing to Shellpoint. I received the notice from XXXX, understood everything. Received a letter from Shellpoint with instructions on what to do and when. All seemed well until I went to register as directed@shellpointmtg.com. I entered my information and received an email from another company. One that was not disclosed at all in the instructions.That company was called NewRez. There is no mention of this company. I called Shellpoint to confirm this was an affiliate and they confirmed it was. I find it deceptive to not disclose who does what on this loan. So what does Shellpoint do and what does NewRez do. I found when I called in they offered my loan number and my name with out any security verification. I guess calling from my phone and giving the last 4 of my account was good enough? Is it not required for all whom are servicing my mortgage to disclose contact info and what it is that they do? Seems a bit unfair for the consumer to have to guess or hope they are related to the same mortgage service provider.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation