BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-02
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Wells Fargo is getting rich on the backs of poor, and unwilling victims. 


I have requested that transactions not be honored if inadequate funds in account. I wish not to accrue overdraft fees. I opted out of this service and am being charged these fees despite my objection to the service. 

I am being told that there is not option but I was asked if I wanted to decline tis service and have several times. I do not want transactions to clear where there are no funds available to cover the transaction. I do not wish to pay those overdraft fees.

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: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Navient calls me at all hours of the morning starting before XXXX. I have ELEVEN calls to my cell phone before XXXX. This is Harassment! I have put in a request to consolidate my loans that has been received by them as confirmed by email and they continue to harass me constantly. The calls before XXXX are absolute harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: PNC Bank N.A.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Purchased my home in XX/XX/XXXX with XXXX XXXX XXXX XXXX who sold my mortgage to PNC. Previously worked as a XXXX and paid all my mortgages on time. I lost that job and accepted another job as as XXXX which did not pay as much. Contacted PNC who informed me that I should not pay for 3 months to qualify for a homeowner modification. I was given a trial period of 3 months and I paid for the 3 months prior to them approving the modification. I paid the modification for several years ( XXXX ) when suddenly PNC decided to return all my mortgage che is ( after mine had been cashed ). I did not cash any of their checks that have been returned and they have stacked up to XXXX. They have since sent me a letter they are going to foreclose on the home and I have decided to file bankruptcy to protect myself against PNC which has since ruined my credit. I have since receive a letter from PNC stating they are going to court to sell the house on XX/XX/XXXX and I have now decided to join a class action lawsuit as I have paid thousands of dollars in attorney fees and no results from local attorney General and courts. Updated on XX/XX/XXXX : This is a follow up from my prior complaint regarding PNC mortgage. PNC foreclosed on my prior account while I was paying my mortgage and has handed my home over for renting to a company out of Utah called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. Buyers beware. Do not take out a mortgage with PNC mortgage!!! If you have been ripped off the way I have and not obtaining local help from your local courts and politicians seek class action! This ca n't be legal. Updated XX/XX/XXXX : PNC left me homeless for the holidays and for the XXXX XXXX. This complaint is also posted at Consumer Affairs but is now being censored but the public has the right to know the truth about such unlawful acts and individuals who think the law does not apply to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: CREDIT ACCEPTANCE CORPORATION
State: DC
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:
Credit Acceptance have been reporting late payments when all payments were pay as agreed since XXXX.They also repossessed my vehicle when a payment arrangement was made the day before in XX/XX/XXXX, with a balance XXXX. I have paid {$6900.00} to credit acceptance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Repeated calls, nearly every day from Portfolio Recovery Associates ( XXXX and many other phone numbers ) to my XXXX XXXX telephone number. They do not know my name, I do no business with them. I have blocked many of their fake phone numbers, but Portfolio Recovery Associates continues to call this number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I got 3 offers from chase for credit cards and accepted all of them was approved for all 3 in XXXX of 2019 and then they said we have to close your account because thats to many accounts that have been approved which is insane because they are the ones that offered it and now have ruined my credit because I have 3 closed accounts showing in my credit report and other banks look at me as high risk because of this issue this bank has caused me I have documentation requesting for investigation and still they dont care about it provided me with a number you cant talk to no one because it asks for an extension and they wont provide it its like they are doing it on purpose and charging me for an annual fee for a card I never used or was activated because they closed the account before even receiving it

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-02
Company: CITIBANK, N.A.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 
I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, was denied my right of credit by CITIBANK , N.A . I was notified of this transgression of my rights, specifically 15 USC 1601- The Truth in Lending Act, by CITIBANK , N.A . on XX/XX/2021 via U.S. mail. According to 15 USC 1602 definitions of The Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by CITIBANK N.A XXXX adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( XXXX ) ( A ) ( iii ) are up to ( {$5000.00} ). CITIBANK N.A. is now civilly liable to pay me for the damages.

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 2019-10-27
Company: LEXISNEXIS
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
UNDER THE BK CODE, LEXIS NEXUS MUST FURNISH ME ALL JUDGEMENTS, TAX LIENS, ALL PUBLIC RECORDS AND PROPERTY OWED FOR THE PAST 20 YEARS, ALONG WITH ALL CREDIT REPORTING HISTORIES ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: Westlake Services, LLC
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:
On about XX/XX/2019, I realized that my credit report was showing for the month of XX/XX/XXXX on the Westlake fiancial service account as a 60 days delinquent account when the account is already closed and paid by the dealer by request of the compliance dealership department. The person who worked this case was XXXX. I asked her if I had to make any payment in order to not damage my credit. She told me that it was not going to damage my credit. Westlake notified incorrectly the month of XX/XX/XXXX damaging my credit with a serious delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Portfolio recovery has been contacting my job and family regarding this bill. The bill was from 2015 and then sold to portfolio recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: Bread Financial Holdings, Inc.
State: LA
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 XXXX, I reached out to Victorias Secrete in reference to inaccurate late payments on my credit report that varied from bureau to bureau. Just today XX/XX/2020 I received an update that Victoria Secrete had updated my credit report showing my account late as of XXXX and XX/XX/2020 when the account closed XX/XX/2020 and paid in full. They then went on to report that I was currrent XXXX and XX/XX/2020. This is against the law to do what they are doing. This account was closed. I should have NO LATE PAYMENTS. I AM TRYING TO PURCHASE A HOME AND THIS NEW INFORMATION THAT THEY HAVE UPDATED XX/XX/2020 TO REFLECT I AM 30 DAYS LATE AS OFXXXX AND XX/XX/2020 IS OBSURD AS MY ACCOUNT WAS CLOSED AND PAID IN XX/XX/2020. THEY ALSO REPORT THAT I AM CURRENT AS OF XXXX AND XX/XX/2020 ON A CLOSED ACCOUNT. MAKE IT MAKE SENSE! I AM DEMANDING THE LATE PAYMENTS ARE REMOVED, NOT THE ACOUNT THE LATE PAYMENT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: Experian Information Solutions Inc.
State: MS
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:
XX/XX/XXXX, I got an alert from my credit report that I had received a 30 day late on my XXXX account. I called XXXX immediately and they told me that I would need to dispute it with the credit bureaus as they did not report a 30 day late. I immediately did an online dispute to all the credit bureaus and they all came back a couple days later saying XXXX said the 30 day late was accurate. 
I decided to do another dispute via certified mail and also sent a copy of my payment activity. XXXX removed the late as I show proof I was never 30 days late but Experian did not. I got my results today from Experian and decided to call them and ask they why it wasn't removed when i sent you proof of me paying every month. They told me they did not get my proof but they did get the dispute letter ( although both were in the same envelope ). 
I then called XXXX again today ( XX/XX/XXXX ) and they told me there is no 30 day late and that I needed to dispute it again with the credit bureaus. I have never been 30 days late with XXXX. All of my payments come directly from my checking account every month automatically, unless i make a extra payment.

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 2021-09-19
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
XXXX XX/XX/2021, went to Citibank to close checking and savings account. Was told that checking account could not be closed until final clearance of purchase from XXXX. On XXXX XXXX  attempted again to close checking. Was told XXXX transaction not complete but transaction was figured into balance so the rest of the money could be withdrawn and account XXXX  out with assurance that the account would be closed when XXXX transaction finalized. Was notified on XXXX XX/XX/2021 that XXXX charged account on XXXX XX/XX/2021. This charge was neither made nor authorized. When called to ask how any transaction could have occurred to an account with XXXX balance and awaiting closure, they claim overdraft protection kicked in. After hours ( plural ) speaking with multiple people at Citibank, this matter has not been resolved and depending on who I spoke with, I owe different amounts.

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 2017-07-13
Company: CL Holdings LLC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent in debt validation letter to XXXX XXXX on X/XX/2017 certified mail and received a response on XXXX XXXX, 2017, from XXXX XXXX saying, " You indicated that you wish to dispute or verify information on your credit report. In your correspondence, you did not indicate what specific information you were disputing or verifying. '' They claim that I did n't say what I was disputing but a copy of my debt validation letters states in writing that I said " I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. '' I also told them that this was " This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. '' XXXX XXXX did not provide me adequate proof that this is my debt all they provided was a bill that 's not mines, XXXX XXXX in return sold the debt to Jefferson Capital on XXXX XXXX, 2017, after my debt validation letter was sent out and signed for. Jefferson Capital then contacted me and I sent them a letter too on XX/XX/XXXX and they sent the account back to XXXX XXXX that sent out a copy of 3 bills on XXXX XXXX 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: CCS Financial Services, Inc.
State: FL
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:
XXXX XXXX has this debt to multiple agencies and some at the same time. Original account was discharged in bankruptcy. Agency claims account was not closed and remained opened when I in fact lived in another state. The debt has now been sold to 6 different agencies caused hardship and even prevented the approval of my home loan due to multiple collections listed by this same creditor. When I call XXXX directly they say they can not verify my account. They 've asked me to travel to their nearest location which is hours away to show proof of ID and when I have gone my identification does not match the account so they do not assist me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
Student loans went into default without knowledge of forbearance expiring. Status was cleared as an agreement to make payments for 3 months consecutively. This was completed. I requested to have all negative payment history removed as a results of all balances being cleared and paid through consolidation and they have refused even though accounts are in good standing. 

The negative history is affecting and preventing me from having a normal livelihood such has finding employment, getting additional school funding and finding a place to live. I've have difficulty doing all these things without the negative history removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
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: Old information reappears or never goes away

Complaint:
Student loans went into default without knowledge of forbearance expiring. Status was cleared as an agreement to make payments for 3 months consecutively. This was completed. I requested to have all negative payment history removed as a results of all balances being cleared and paid through consolidation and they have refused even though accounts are in good standing. 

The negative history is affecting and preventing me from having a normal livelihood such has finding employment, getting additional school funding and finding a place to live. I've have difficulty doing all these things without the negative history removal.

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 2021-09-19
Company: MicroBilt / PRBC (formerly CL Verify)
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
MicroBilt Corporation/Payment Reporting Builds Credit ( PRBC ) XXXX XXXX XXXX XXXX, GA XXXX Attention : CONSUMER RELATIONS I.am writing you to REMOVE the security Freeze on my Consumer Disclosure report. Under the Fair Credit Report Act, you to comply. I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : see attached verification MY FULL NAME : XXXX XXXX MY SOCIAL SECURITY NUMBER : XXXX MY DATE OF BIRTH : XXXX MY CURRENT PHONE NUMBER : XXXX MY EMAIL ADDRESS : XXXX After this SECURITY FREEZE has been removed please send me written confirmation to the address listed above and via email due to snail mail! 
Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I noticed unauthorized inquiries that I didn't inquire about my credit report that I would like to be removed. 
According to the FCRA these unverified and unauthorized accounts need to be removed accept any account that's connected to my credit account.

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 2021-09-19
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: Personal information incorrect

Complaint:
I would like to ensure you only retain CURRENT, COMPLETE and TRUE information in my credit file. Per FCRA regulations ANY and ALL other information I DEMAND as my lawful rights to be annulled. I DO NOT AUTHORIZE you to mis-report any information now or EVER. Immediately review to properly ENSURE your adequate and in full accordance to the laws which governs your practice or reporting consumer credit profiles. 
1 ) I DO NOT HAVE ANY OTHER NAMES, ALIASES, NICKNAMES to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights. 

2 ) I DO NOT HAVE ANY OTHER CURRENT ADDRESS and do not authorize or desire and other addresses to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights.

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 2019-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XX/XX/2017 I was at XXXX. A XXXX  XXXX   representative asked me to punch in my social security number in order to determine if I qualify for service with them and did not have any outstanding accounts. I asked to make sure it was NOT to run a credit inquiry, and was ASSURED it was not. However I now see it on my credit report as a hard inquiry!

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 2019-02-25
Company: Westlake Services, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Loan payment wasn't credited to your account

Complaint:
I paid off loan received pink slip i paid over 7600 in interest on a XXXX title loan they put me as a charge off on my credit report this company is nothing more than extortion.

Company response to consumer: Closed with explanation