BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-02
Company: PNC Bank N.A.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
During XXXX of XXXX {$65000.00} disappeared from my account. I talk to the representatives on several occasions, but they could not find out about the account. The representative that open my account was no longer there. I was a XXXX  and I had a donation that was given to my Church. 
However, my Mother passed away, and some how the individuals that she took care of in her home ( XXXX XXXX  ) was confused and considered as family members. After several times going to the bank, they stated that they had been threaten ; therefore it was necessary to go to the corporate office. Hence, I called the corporate office and told them about the incident, and that each time I go to the bank, I was being followed, with the bank representatives feeling the same. The corporate office stated that they would do an investigation, however, I have not heard or received my funds that were donated to my Church at the time. I have lost my Church and the money. 
Additionally, my funds were being diverted to someone else in the bank which is the same family that stole my funds. I would pay my electric bill with my stipend check while in graduate school, and each time my bill would not be paid and the money would disappear. The attorney general placed a watch group over my XXXX XXXX XXXX and they stated that each time that I would pay my electric bill, the payment would disappear. My bank account was with PNC ; therefore I suffered living with no electric and experiencing detriment to my health. 
I continued depositing my check, when I would receive my stipend, because I did not know what was going on. However, one of the bank tellers would not deposit my check, and I could not understand why ; and found that when I cashed my check ( I put the money on a card ) and paid my bills with cash, the money was not stolen. 

PNC Bank at XXXX XXXX XXXX, XXXX, KY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Experian Information Solutions Inc.
State: NJ
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:
For account XXXX XXXX that is reporting on my credit report I have sent multiple letters to XXXX XXXX XXXX XXXX and experian to investigate the inaccurate reporting and they send me letters back stating that the account is reporting 100 % accurately and that it has been verified ... .how is this even possible when there are still multiple violations on the reporting of this account. for one they never even added a comment stating that this account is under dispute, as stated by the law ... .... 2nd look at the 2 year payment history all 3 bureaus are all over the place in the reporting and different. they are all reporting a different date of last active and date of last payment. the credit limits are reported different, the high credit are different, the comments are all different. How can they even pretend that they investigated this account when all of these violations are are still reporting they never investigated this account is the answer

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 2018-05-12
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Hi I am contacting you because I was recently alerted that there were some fraudulent credit inquiries on my credit report that I would like removed at once because they do not belong to me and they are fraudulent and I am a victim of identity theft, Please make experian remove these inquires from my credit report and raise my credit score back to where it should be. XXXX XXXX XXXX and XXXX please remove as these are fraud and do not belong 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 2018-05-12
Company: National Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company has done an illegal soft inquiry regarding a time barred alleged debt ( yes i know thia to be true as i have no debts under 4 years old which is the statute mandated limit per fla sunshine law ) which 0 info has been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: Experian Information Solutions Inc.
State: AK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Incorrect information on late payment by XXXX was not corrected by EXperian as requested by XXXX. XXXX requested that each of the consumer reporting agencies to : " Delete the delinquencies from my credit report '' XXXX did as requested but Experian and XXXX have not. This is my second complaint on this subject.

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 2018-05-12
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: Information belongs to someone else

Complaint:
My name is XXXX XXXX I am contacting your company about the credit company Transunion because they are reporting things on my credit report that are fraudulent and I want them removed at once because they do not belong to me and are fraudulent. The first fraudulent item is an address which I never lived at and is fraudulent XXXX XXXX XXXX XXXX XXXX ny XXXX this is fraud and does not belong to me please remove at once from my credit report also there is a credit inquiry from CFNA Inquiry : XX/XX/2018 this inquiry is also fraudulent and doesn't belong to me please remove it off my credit report and raise my score where it should be.

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 2016-03-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
After I requested information from the credit bureau company they sent me a letter telling me they needed more information and that the S.S. # I gave them did not match the identification in they 're database. I however sent them more proof, including a letter from the S.S administration. The next letter they sent me was to inform me that either I did not provide the sufficient amount of information or I have not established credit history.

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 2018-05-12
Company: EQUIFAX, INC.
State: OH
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:
There are unauthorized inquiries on my report even though I sent a letter stating I was a victim of identity theft and would like them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12
Company: I.Q. DATA INTERNATIONAL, INC.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/XXXX, I have sent the company a " cease and desist letter '' via registered mail, but the company contacted me again, after receiving my " cease and desist letter. '' Today ( XX/XX/XXXX ) I received their letter dated XX/XX/XXXX. This is much after they received my " cease and desist letter. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: Ditech Financial LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I've just placed a complaint with the CFPB and the company stated they fixed my issue and it's still NOT fixed. Complaint # XXXX from XX/XX/XXXX. I just sent a complaint that the deceptive payment system will not correctly applying my payments. They replied that they fixed the issue causing this. We'll they haven't I just applied my XX/XX/XXXX payment and once again it's not fixed now it's completely applying my entire payment straight to all principal only. It should be paying my XXXX to XX/XX/XXXX regular payment and the XXXX to principal. This company is nothing but headaches and deception. How is this even legal? I need my issue fixed to apply as it should my regular payment and the extra to principal it's not rocket science we're in XX/XX/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 2020-12-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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: Information is incorrect

Complaint:
On XX/XX/2018 Bank of America closed my account due to a 3rd party check I deposited. The person who check it was has sued their job and won, got their money and going on with their life. But for some reason Bank of America reported to XXXX  XXXX  that I committed fraud and had an outstanding balance, then said it was a XXXX balance and now its saying paid in full. When they closed my account they had to give me almost {$400.00} my balance, yet they reporting I paid them, when I didn't owe them anything. They are also reporting an address I never had on file but for some reason they won't remove this

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 2017-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 incorrect information on all the credit reporting agency, XXXX, XXXX, and Transunion. An because the incorrect information I had to take a new loan at a higher rate and I 'm having issues buying a home.I will list off of the in correction on my credit report. XXXX incorrect details bellow XXXX XXXX {$100.00} OPEDN ON XX/XX/XXXX XXXX XXXX  {$50.00} OPENED ON XX/XX/XXXX XXXX XXXX {$15000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX {$8500.00} OPENED ON XX/XX/XXXX XXXX XXXX XXXX {$87.00} OPNED ON XX/XX/XXXX Transunion incorrect details XXXX XXXX {$100.00} OPEDN ON XX/XX/XXXX ( XXXX XXXX XXXX ) XXXX XXXX {$50.00} OPENED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} OPENED XX/XX/XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX {$12000.00} OPENED ON XX/XX/XXXX XXXX Incorrect details below XXXX XXXX XXXX {$7000.00} opened XX/XX/XXXX Blank info listed as collections as {$100.00} opened XX/XX/XXXXand {$50.00} opened XX/XX/XXXX XXXX XXXX {$1800.00} OPENED XX/XX/XXXX I HAVE NEVER HAD ANY DOING WITH THESE COMPANIES

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 2018-10-18
Company: EQUIFAX, INC.
State: UT
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:
There is a debt on my credit report- collection, that is not mine. I have disputed it and the company that issued the collection agrees, this is not my debt. Yet it is still on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: Klarna AB
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021, I first contacted this company to let them know that I did not know anything about this debt and needed information on the transaction. I was told that they were unable to provide proof of the debt at this time. 

Since that day and today ( XX/XX/2021 ), I have attempted to contact their customer service agents several times via email and chat to resolve the issue. Today, I went ahead and paid the {$400.00} debt because I do not need that on my credit report. I have explained to them several times that this charge could have been fraud, and not one person cared.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: EQUIFAX, INC.
State: NJ
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:
For account XXXX  XXXX that is reporting on my credit report I have sent multiple letters to XXXX , Equifax , and XXXX to investigate the inaccurate reporting and they send me letters back stating that the account is reporting 100 % accurately and that it has been verified ... .how is this even possible when there are still multiple violations on the reporting of this account. for one they never even added a comment stating that this account is under dispute, as stated by the law ... .... 2nd look at the 2 year payment history all 3 bureaus are all over the place in the reporting and different. they are all reporting a different date of last active and date of last payment. the credit limits are reported different, the high credit are different, the comments are all different. How can they even pretend that they investigated this account when all of these violations are are still reporting they never investigated this account is the answer

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
My personal information is reporting incorrectly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA 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 2020-07-02
Company: First Technology Federal Credit Union
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was locked out of my new account after depositing my {$1200.00} stimulus check and making a {$25.00} transfer to my other bank account. I called several times to figure out why, and they repeatedly said they would mail and email me information about it. I received an email stating they were investigating fraud on my account. My account has been locked since around XX/XX/XXXX, well over a month, and they will not tell me how long the investigation can go on or what information I can provide to resolve the issue. I never saw any strange transactions, so I can only assume one of my own transactions looked suspicious. I made transfers from my other bank accounts including micro transactions to verify transfers, my XXXX, and my stimulus check. 

It is a challenge having {$1200.00} locked away during COVID when I am struggling to pay house bills so I would like to know how long they can legally hold my money.

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX  ; Experian and XXXX  should not be reporting a collection/chargeoff in the amount of {$14000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) This vehicle was sold at auction and sold for more than the amount owed. This account needs to report a {$0.00} balance. There is no outstanding balance due and therefore there is nothing to collect/chargeoff. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2018-06-24
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, the Consumer Financial Protection Bureau and the Ohio Attorney General interceded on my behalf and Ocwen did provide relief for me by reducing the 2nd mortgage on my primary residence at XXXX XXXX XXXX XXXX, OH XXXX Account # XXXX. However, I was not given relief as I requested at that time for the second mortgage at XXXX XXXX XXXX XXXX, OH XXXX Account # XXXX. 
Recently Ocwen has sent me numerous emails and letters in the USPS mail to apply for a lower rate. I request the subprime predatory 9 % APR be lowered for the XXXX XXXX XXXX house because I have already paid the exorbitant amount of at least {$30000.00} for the {$20000.00} loan in XX/XX/XXXX from American Home Mortgage ( AHM ). I am in a vicious cycle of low credit eligibility to refinance according to XXXX XXXX in XX/XX/XXXX due to debt : income ratio because of the mortgages. In XX/XX/XXXX/XX/XX/XXXX Ocwen Research office in XXXX XXXX, XXXX XXXX at XXXX XXXX XXXX x XXXX # and XXXX XXXX at Ocwen Escalating Dept XXXX XXXX offered modification with 20 more years of payments from the original 2nd mortgage balance. I will not be alive 20 years from now! 
In XX/XX/XXXX, I will be XXXX years old and the XXXX XXXX XXXX 2nd mortgage loan is due close to the original {$20000.00} loan. I don't want to die and leave my son strapped with house debt similar to sharecropping. I bought my primary residence in XX/XX/XXXX for {$65000.00}. In XX/XX/XXXX my credit score was XXXX. The AHM lender would not let me buy the 2nd house next door that my son lives in without mortgaging my 1st house.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: EQUIFAX, INC.
State: NV
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:
Companies continue to traffic my non personal information. I have reached out to XXXX of XXXX, XXXX, XXXX XXXX. I have put Equifax, XXXX, XXXX on notice of the fraud. It has been over XXXX days. All companies continue to conspire against me trafficking my nonpublic information without written consent or instruction by me the consumer. Causing damages, mental anguish, and defamation of character. Willing and knowingly violating federal law. I have made numerous complaints and companies continue to threaten and use abuse practice against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02
Company: CREDIT ACCEPTANCE CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I purchased a used XXXX XXXX XXXX from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL. XXXX on XX/XX/XXXX, this vehicle was financed by Credit Acceptance Beginning XX/XX/XXXX. I have made payments as agreed and after the car was involved in an automobile accident on XX/XX/XXXX and was declared a total loss. They have repeatedly called me and sent letters to settle the account with no amounts they claim that I owe even listed and claims of a settlement savings of 60 % and I feel they have not credited all the prepaid finance charge that they should have and I FIRMLY believe I do not owe them anything. In my opinion, The contract is paid in FULL and I'm owed a REFUND. 

Even MORE disturbing is that the contract that I have signed for the original purchase and the contract issued to me from Credit Acceptance when I requested a settlement statement, what I received is a different contract with DIFFERENT numbers. This development I have discovered is highly suspect and in simple language to me, should be considered CONSUMER FRAUD. 

There is absolutely NO remedy I will accept OTHER than to be reimbursed in full for the overage payment, which by my calculations is {$1000.00} Furthermore, Credit acceptance has not updated any of the Credit Reporting Agencies ( CRA 's ) since XXXX XXXX, XXXX. There are no references to the payments that have been paid since XX/XX/XXXX which also includes the XXXX insurance payout of {$9300.00}.

Company response to consumer: Closed with explanation