BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-12
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On Monday XX/XX/XXXX while at work, I have received a welcome to XXXX email. Which I havent opened nor heard of. Right after two transactions of {$500.00} was taken out my account to two different people I dont even know of. I called PNC that same evening/night. While on the phone ; a XXXX amount off XXXX was taken than cancelled. Crazy. The Rep on the phone block all access online. I went to my branch despite everything that I didnt authorize. Even than I was told I had to wait. What I dont get is HOW ALL THIS TIME BEING A CUSTOMER THEY ALLOW A XXXX ACCOUNT TO BE MADE. That should be suspicious activity for all of suppen to have. No one called or anything. The fact I reported everything within hours they basically didnt Care all my money was fraudulent taken. They didnt even credit me anything. I just gotten Paid n Pnc just let my money go. I have all types of security with this back because they allowed my twin to fraudulently take out my account back in XXXX. Now here I go again and they seem not to want to do anything about it but tell me I have to Wait n they may cant give me anything. I have a XXXX year old that I work hard for n to have my money just taken n not refunded I truly dont feel Safe banking with them anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was offered a payment of {$420.00} to settle an account of {$710.00} The remaining {$280.00} still shows delinquent on my account even though the offer was to settle to entire amount

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: Optimum Outcomes, 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:
All dates on accounts are almost showing present, no one can provide a contract with a ink signature showing I opened or have Any connection to the accounts and the ones are mine are from 2011 and prior far to old to be showing

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09
Company: CMRE Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2019, The Corporation/LLC Certificate of Good Standing for the state of Illinois shows that CMRE Financial Services , Inc. is not legally able to collect in the state of Illinois as they are in not good standing per the website. I am disputing the debts reported on my credit due to no valid license for CMRE to collect in the state of Illinois.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was going to take some LIVE TRAINING with XXXX XXXX, a.k.a XXXX XXXX, I was told I would get 5 days of DVD 's to review before the LIVE TRAINING takes place... I used PayPal Credit Card for this trains action.. After making the payment I seen that something was going on that the money want to XXXX XXXX and NOT XXXX XXXX I found out due to fraud that he cant use PayPal and is using other peoples names to do transactions.. 

At this time after him giving me two days of links to videos are not just videos of him videoing a tv screen.. nothing with training... I asked to cancel the deal.. he could not give me 5 days of DVDs and then he said he cant do the 5 days of training after I got hotel rooms and everything .... I contacted PayPal credit card but I was told that he give them proof so I can get a refund... 

f you do a search you can see so many fraud cases with him and so many of them still in court! 

https : 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 2022-11-23
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 started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow XXXX disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-14
Company: Hillcrest Davidson & Associates
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XXXX XXXX stated that he will continue to call me multiple times a day if I dont pay. He also stated that he looked up my credit report and knows why I'm in collections because I dont pay my bills and im broke. 
I asked him to stop calling and he said he will continue. 
He asked if I wanted to settle and I told him no and he said why and then proceed to call me a their. 
1st call received on XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I was informed by my bank XXXX XXXX, XXXX that my business checking account was being closed, the letter states I will receive my funds via a cashier 's check, I have yet to receive a cashier 's check. this is the letter I sent to my bank in an effort to resolve and retrieve my funds from my closed account. 

Dear XXXX Department, This letter is in reference to my business account ( account # ) which has been unduly closed due to fraudulent activity on my daughter checking account. I have been a account holder with Bank America since XXXX, over the years with Bank America Ive experienced many of your business tools and several applications up to maintaining a merchant account, and Ive never had any problems with any of my bank accounts. 

In XXXX I encouraged my college bound daughter to open a bank account with Bank America as part of a generational step in her financial future, never did I think it would result in fraudulent activity on her account resulting in the interruption of my business account. This interruption, the freezing of my account funds is creating a major problem for my business, I can not pay my bills, or make any purchases. 

It is my declaration that I, my name have no knowledge of how the fraudulent activity occurred on my daughters account, nor do I have any association with the fraudulent activity on my daughters account, and I am completely unaware how this fraudulent activity happen. And may I add these accounts were not link, I was only added to my daughters account in case of emergency. 

In closing I wish to remain and maintain my business account with Bank America, Ive been very satisfied as a customer at Bank America, so I kindly request that you unfreeze my funds so I can proceed with my business financial matters. 


Regards, My Name My phone number,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
After unsuccessful attempt to open a new checking account with a bank, the banker informed me that XXXX provided negative information about me and it affected the bank 's decision. I got contact info for XXXX and I called the number and requested a copy of my report but never heard back from them. They do not employ a life person for inquiries and it is impossible to reach for resolution.

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 2022-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I grew tired of doing the same thing over and over again with no definite outcome. I have been submitting countless CFPB complaints and multiple dispute letters requesting to you to remove the fraudulent accounts and information from my Credit File. My Credit Report contains a significant number of fraudulent information and this is what I have been trying to remove. Someone has stolen my identity and used it to open these accounts without my knowledge or permission. I also have been submitting Identity Theft Report with the FTC to help resolve my queries in accordance with the FCRA section 605b. Under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to identity theft. However, you have done nothing and I believe you will still do nothing. In accordance with the FCRA Section 605b, I need you to remove the following accounts completely from my Credit Report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$0.00}. I have also been requesting that you send me copies of proof of verification from your investigation and yet I have been receiving nothing! Now I doubt your claims that the disputed items have been investigated. Failure to send me copies of documents to support your claims should have resulted in the immediate deletion of the disputed accounts! Now I need you to remove these accounts completely from my Credit file.

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 2018-12-21
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:
I am so tired knowing that my concern was not attended by Experian!! I keep sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX/XXXX 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 non-monetary relief
Consumer complaint received 2022-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only XXXX XXXX accurate credit information. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. I need the account corrected now! 

XXXX XXXX XXXX / 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 non-monetary relief
Consumer complaint received 2023-02-08
Company: Experian Information Solutions Inc.
State: NV
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 non-monetary relief
Consumer complaint received 2018-04-20
Company: EQUIFAX, INC.
State: IL
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:
Equifax is reporting inaccurate late payments on my credit report that has affected my ability to obtain credit and obtain employment, I was recently denied a job due to inaccuracies on my credit report. I disputed the late payment history with XXXX XXXX and they responded admitting to their errors. They are reporting XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as late when this is not accurate information. My payments are taken out of my checking account automatically every month ; 5 days before the payment is due each month. I was NEVER LATE, ever! I have disputed this incorrect information with Equifax in the past and the information was not changed after their " investigation ''. Please update this information immediately as it has hindered my ability to obtain credit and employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: EQUIFAX, INC.
State: GA
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:
I'm requesting a Reinvestigation of every XXXX listed below because I did not authorize that my credit be run like this. This makes no sense to me at all! I want to know why these companies ran my credit report this many times, the way they did. This is definitely a violation of my rights In Accordance With the Fair Credit Reporting Act. These items could not have been reviewed or investigated correctly, look at how many times my credit was repeatedly run back to back! Incorrect Inquiries : XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX 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 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 This is inaccurate reporting, which is a violation of my federally protected rights. I am really upset about this obvious oversite, and it seems as though someone is deliberately trying to ruin my credit. XXXX XXXX XXXX section XXXX A. States that I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : XXXX that the consumer reporting agency can not furnish an account without my written instructions. I never provided any kind of written instruction for my credit report to be run like this. Someone should have noticed these mistakes other than myself! I am really upset about this type of inaccurate and negligent reporting. XXXX XXXX XXXX ( A ) ( XXXX ) XXXX that no consumer reporting agency may make any consumer report containing any of these items of information. My authorizing any company to run my credit report like this is False. XXXX XXXX XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. This is this is apathy to me. It's also plain to see that no consumer would give consent to run their credit back to back like this, knowingly ruining their credit, especially me. Someone should be held responsible for this and deletions done immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
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: Public record information inaccurate

Complaint:
Subject : Complaint about Information in Credit Report : Bankruptcy I am writing to file a complaint about inaccurate Bankruptcy the following information in my file.. 

This item ( see attach ) is inaccurate because I have never had Bankruptcy before in my life. This information is false which is claimed to be given to them by the court the courts ( see attach ) does not report information to any credit reporting agency. I am requesting that this item be removed at once to restore my accurate report of my credit. 

Enclosed is documentation supporting my request : a copy of my credit report. that all three agencies are reporting non facts about me every having a backrupty and that the information is coming from the courts. 

Requesting this information be removed from all credit reporting agency as soon as possible. 

Sincerely, XXXX 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 2020-08-12
Company: U.S. Auto Sales Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
In XXXX US Auto Sales decided to pay off the current car I had because it was going to cost to much to fix. They allowed me to get another car, they did not verify my employment and I had lost my job XX/XX/20. Nobody verified the employment at all. I got the car anyway and I managed to pay the payment with what I had in my savings account. Then when I found another job the pay was bi weekly and I tried to get them to change my payment dates and they would NOT change it. They have a GPS thing on the car so they can shut it off when they feel like it. They have shut it off 2 times I know of and I got my hands on some money so I went and got another car. I went and turned in the tags on Monday XX/XX/20 cancelled the insurance on the car. I then called US Auto @ XXXX and told them to come get the car, that I did not want it anymore. They read me the disclosure for the repo and I agreed. I got a phone call today from them today harassing me about the " past due '' amount. I missed a call from them yesterday as well. They clearly DO NOT check the account notes before they start calling and harassing people.

Company response to consumer: Closed with explanation