BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
15 U.S Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt. it has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY! Please see attachments below.

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 2019-07-19
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I authorized PNC Bank via Online Banking Pay Bills to issue a check XX/XX/2019 to XXXX XXXX for a maintenance fee. The check never reached the payee and was cashed at XXXX XXXX  on XX/XX/19 with an endorsement " XXXX XXXX XXXX '' on the back. I reported these facts to XXXX XXXX, Manager of the XXXX branch of PNC Bank on XX/XX/19 and after signing a notarized affidavit was assured the money would be replaced in my account within the week. On XX/XX/19, I received a request for the payee to sign an affidavit which he did. After many calls to the Fraud office of PNC, reassurances by multiple PNC Branch managers, the answer is " XXXX refuses to reimburse PNC. '' And until that happens, I will not get reimbursed for their mistake. In addition to the stress and aggravation, late charges are accruing. In addition to the possible adverse effect on my credit rating, if this was a mortgage payment or insurance payment, more serious consequences could occur. I think the public should be made aware of the careless handling of our money. 
I am appealing to your office to investigate this matter as it does not show signs of being resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Fraudulent Bank Statements. Simple Bank provide customers with fraudulent Savings Account Statements that do NOT reflect the accurate Interest Rate earned on the account. They are Advertising a Higher Interest Rate, then changing the Interest Rate Mid-Month and only reflecting the Lower Interest Rate on the Banking Statement. The Bank Statement does not state when the Interest Rate Changed during the Month nor what days the account earned the Higher Interest Rate Advertised or the Lower Interest Rate actually stated on the Statement. 

Chronically Incompetent or Pretentious Complaint Responses. Despite stating my Complaint very clearly in multiple ways over repeated complaints, Simple Bank repeatedly provided the very simple minded response that they could not answer my concerns and that I needed to consult an accountant. This either reflects the chronic incompetence of their support team, or their conscious refusal to respond to this concern. 

After repeated Complaints, they finally confirmed that they KNOW their Bank Statements only reflect the Closing Interest Rate, and NOT the Opening Interest Rate. They KNOW their Statements do NOT indicate when the Interest Rate changed and how many days in the month the Advertised Higher Interest Rate was applied to the account, versus the Lower Interest Rate stated on the Bank Statement as the Interest Rate earned. Thus, they KNOW they are providing Fraudulent Bank Statements that do NOT reflect accurate information on interest earned.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02
Company: SYNCHRONY FINANCIAL
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
They are threatening to take me to court and I try tomake arrangements

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 2017-09-02
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had a modification for my home and because I made a partial. Payment in XXXX after paying four months, Ditech cancelled the modification and advised me to try for full document modification which took 7 months to get all The paperwork in. I got a letter denying the modification and I am very behind and I am expected to pay an extremely large payment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
An offer was mailed to me for {$300.00} to open a new checking account at Bank of America. The letter had someone else 's name on it but I thought it would still work for me since it was mailed to my address. The branch manager XXXX XXXX opened the account for me on Monday, XX/XX/XXXX. She explained when I would get the money and led me to believe that this offer is valid for me. I left the branch after she did everything to open my account, including ordering me a debit card. About a half hour later, after the branch had closed, she left me a voicemail to call her. I called her back and she was quite rude and discourteous to me. She said that I read the letter wrong and that she didn't mislead me. The letter says " XXXX XXXX XXXX, this offer is only for you! '' but the text is not enlarged or conspicuous enough to make me think that this is an exclusive offer for XXXX. It seems like some junk mail that could apply to anyone. I wish that XXXX had caught this error and stopped the account from being opened. 

I called customer support that day and filed my first complaint. The representative said that Bank of America might be able to offer me something similar but it might not be {$300.00}. I didn't get a call back within 24-48 hours like I was told on Monday, so I called the company on Wednesday and was on the phone with someone for an hour. He filed another complaint for me because the first complaint I filed didn't include that XXXX made a mistake, which I had clearly described on Monday. The representative gave me XXXX XXXX manager 's phone number. Her manager XXXX said this offer doesn't apply to me and wouldn't give me a different offer. I closed my account that day on Wednesday, XX/XX/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 2019-07-19
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Chase continues to give untruthful information regarding their closing of my account and continued contyact with me. After chase closed my acct for me being XXXX they continued to remind me of the discrimination by sending me unwanted emails that I can not unsubscribe to. Chase refuses to unsubscribe me and refuses to allow me to unsubsribe from their unwanted emails that again remind me of their discrimination. Chase lied in my last complaint saying ; " We previously responded to your concerns about the closure of your account in the enclosed letter dated XX/XX/2018. When your checking account was closed, your online profile remained active, which allowed for emails to be sent. Were sorry for any inconvenience this has caused. We have closed and deleted your online profile which will prevent emails to be sent out in the future. We have also taken steps to stop any marketing offers, including Our Neighbor marketing materials, to be sent to you. Please allow 90 days for mail, 30 days for phone, and 10 days for email marketing to cease due to campaigns already in progress. '' Now over 2 months later they continue to harass me with these emails. Today Chase sent yet another email and continues to deny me an accommodation under the XXXX. 
Chase refuses to delete my account info and continues to maintain it in their system causing these abusive emails and putting my personal info at risk. Since Chase can not control the emails how can they control unauthorized access to my personal info. 
I spoke with XXXX at Chase today who indicated Chase would keep my info. XXXX also said Chase did not do anything to stop the emails nor will they do anything to stop the emails. I was also told that Chase was now saving a voice file of my voice to help identify me. XXXX then hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: NEW YORK COMMUNITY BANK
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Problem with New York Community Bank bill pay. Checking account opened XX/XX/XXXX to use online bill pay for bimonthly donations to my XXXX. I made 11 on line payments of {$140.00} ; the first 8 payment checks were mailed to and received by my XXXX  on the designated dates. The XX/XX/XXXX check was never received by the XXXX & my bank indicated check was issued & mailed. I assumed there was a mail problem. 3 subsequent payment ( XX/XX/XXXX thru XX/XX/XXXX ) were mailed & received. However payment # 12 for {$290.00} due XX/XX/XXXX was never received by the XXXX. I inquired about check with the bank as my account listed the payment as an " ACH '' not the normal " Check Paid ''. I was told this payment was not in the form of the normal check but issued as " corporate check '' because the amount was larger. The check has not been received by the XXXX even though money was withdrawn from my account. Bank can not tell me why check was not received on designated date, or what dollar amount threshold required a " corporate '' check. That's a 15 % error rate on payments. The XXXX  regularly receives checks from other banking institutions without a problem.This is not a mail issue.. Today is  XX/XX/XXXX the bank is still holding my money and unable to give me adequate explanations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: EQUIFAX, INC.
State: NC
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 built a home and was set to close on XX/XX/XXXX. As I was walking into the attorney 's office I received a call from XXXX stating they just ran my credit and we had an issue. It is reporting that I have a mortgage that is in charge off status. I do not now and never had a mortgage. 
XXXX was able to speak with the creditors and verify the info as being incorrect. Problem solved with XXXX. Equifax on the other hand. No so receptive. I've made multiple disputes we with Equifax. I had a Mobile home loan opened in XXXX with XXXX XXXX XXXX XXXX. Which is a personal consumer installment loan. I received a Title with a Vin number. I did not have a closing. I have since built another home which I am scheduled to on XX/XX/XXXX. Again when my credit file is pulled. Equifax is still reporting it as a mortgage. Causing my to be denied. I was homeless for 2 weeks following the first accurence. I spoke with a supervisor @ XXXX XXXXl ( Mr. XXXX XXXX XXXX XXXX ext. XXXX ) He is requesting that Equifax contacts him. Equifax is requesting XXXX XXXX to contact them. In the last 2 months I have contacted both @ least 15 times. Now when I call XXXX XXXX the counselor from the recovery that is assigned to my case refuses to help and keeps asking me " When do you plan on paying this? '' I have requested multiple times to not speak to her but keep sending it to her I need help A.S.A.P or I will be homeless once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$2700.00} ; XXXX XXXX XXXX XXXX Balance : {$20000.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00}.

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 2019-07-19
Company: BB&T CORPORATION
State: HI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Loan was for 72 months they are still saying I owe over a year of payments I have been paying consistently and I believe they are over charging my account for more than what was agreed. Loan taken in XX/XX/XXXX and my last payment should be XX/XX/XXXX but payment is showing it will not close until XX/XX/XXXX I want them to please look over payments and close my account XX/XX/XXXX that is the date of last payment due! They need to re-evaluate my payments made and look at whats been collected

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 2022-09-02
Company: I.C. System, Inc.
State: KS
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:
A few months ago, I disputed a collection account on my credit reports from I.C. Systems ( collecting for XXXX XXXX XXXX XXXX on the XXXX XXXX XXXX to which after an investigation, it was found that they did not have the documents to prove I actually owed any debt and therefore on XX/XX/2022 I received a response and a letter detailing that they would be requesting deletion of their negative tradeline. Now there was a discrepancy in the amount owed they put on the letter compared to what was already being reported, ( which I didnt think would matter, as well as I think they did on purpose to cause these problems ) but I didnt really complain as I was for sure it would be automatically deleted from all my reports anyways. NONE of the credit reporting agencies removed them by their selves because I know for a FACT IC Systems Inc, did not actually request deletion, because I had to dispute the account myself on XXXX XXXX XXXX, who after a few short days deleted the negative trade line themselves. Disputed with XXXX ( who typically is the first to remove trade lines, which shows IC Systems never requested deletion. On XX/XX/2022 I disputed the collection with XXXX & provided the letter to them via PDF to prove that it should be deleted. On XX/XX/2022 I received the results and was told that the information was verified and accurately reporting which was a problem as I wasnt disputing if it was accurate, it needed to be deleted. So so reopened the case under a new topic saying the account is indeed closed, and today XX/XX/2022 I got the results and once again they said the information was accurately reporting. But this time they said they contacted the furnished of the information ( IC Systems Inc ) and that the furnished told them the account was in fact reporting accurately. BOTH XXXX XXXX I.C. Systems Inc are both being negligent and in fact are disrupting my financial future by not doing right by what IC Systems has already said they would. This reporting is actually quite illegal, and my attorney is filing litigation against XXXX XXXX IC Systems. Remove the trade line and litigation will cease. This isnt a joke or a game. And as for IC Systems changing the supposed amount owed and making it differ on the letter compared to what you are reporting is a very under hand tactic and is also extremely illegal as well. I dont know what type of games you all have going but this is why collection agencies have such bad reputations, but if you look at all their complaints this seems like normal practice for them unfortunately.

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 2019-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Spoke with creditor and due date was changed to XXXX of each month.. I have maintained automatic withdrawal but they are reporting me late with the same due date

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
THE ACCOUNTS LISTED ARE FRAUDULENT ACCOUNTS SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL POLICE DEPARTMENTS TO MAKE A CRIMINAL COMPLAINT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 the XXXX and Transunion Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$1600.00} XXXX  XXXX XXXX Balance : {$240.00} XXXX  XXXX Balance : {$1600.00}

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 2023-07-26
Company: EQUIFAX, INC.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance : {$21000.00} XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 non-monetary relief