BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-16
Company: Patient Accounting Service Center
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/19 @ XXXX, XXXX called my phone number re : my acct. I have been making the required monthly payment. The rep advised they were offering a discounted price to be made in 2 payments. I thanked her but said I couldn't do that now. I wanted to keep my payments the same. The rep started naming my debts and a credit limit on my credit card. I repeated that I wanted to keep the same payment as that was all I could do. She insisted on increasing my payment amount. She began talking about my husband 's income and said, " Well that's an awful big chunk of money for you to not be able to pay more on this account. '' I then told her that was none of her business what my bills were and what all income we had. I stated that I'm paying on XXXX kids college loans and she said, well we all have college loans that have to be paid for books and things. She would not leave me alone about my payment. She said I didn't need to get angry but I told her she was harrasing me and she began talking in a patronizing voice. After many times of me telling her to leave my payment where it was and she kept going, I had to hang up on her and block the number. I know that the call was recorded and all of the information can be verified and it was stressful for my daughter who was in the car hearing it all.

Company response to consumer: Closed with explanation
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:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

BELOW is the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX Account # : XXXX Date Open : XX/XX/2017 Balance : XXXX Below are fraudulently unauthorized inquires on my report : Company : XXXX XXXX  Date : XX/XX/2017 Company : XXXX XXXX XXXX Date : : XX/XX/2017 Company : XXXX XXXX Date : :XX/XX/2017

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 2018-12-21
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:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

BELOW is the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX Account # : XXXX Date Open : XX/XX/2017 Balance : XXXX Below are fraudulently unauthorized inquires on my report : Company : XXXXXXXX XXXX Date : XX/XX/2017 Company : XXXX XXXX XXXX Date : : XX/XX/2017 Company : XXXX XXXX Date : : XX/XX/2017

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 2021-07-12
Company: EQUIFAX, INC.
State: VA
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:
A hard Inquiry was placed on my Credit Reports by these companies without my knowledge. 

XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX Equifax Mtg on XX/XX/XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX Card service on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: V and H Portfolio
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I JUST RECEIVED A CALL FROM A COLLECTION AGENCY CLAIMING I TOOK OUT A LOAN FROM A COMPANY AND THEY KEEP TRYING TO THREATEN ME SAYING THEY HAVE A COPY OF MY DRIVERS LICENSE AND BANK ACCOUNT INFORMATION. I TOLD THEM TO STOP CALLING ME BUT THEY INSIST ON HARASSING ME

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-19
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
Completed a zero interest on a balance transfer on Zero interest expired which they changed to a cash advance, I have never had a cash advance in my life. Paid of the balance by the due date and they still charged {$60.00} cash advance fees after pay off. Not sure what other overcharging as I just noticed this when I called and they said I did a cash advance never did this, I asked why did you move the transfer balance into a cash advance is this not illegal? 

Unfair business practice taking advantage of the consumer. 

Member Number : XXXX Penfed credit union 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 2019-05-16
Company: Experian Information Solutions Inc.
State: IL
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 recently reviewed a copy of my credit report, and after carefully going over everything on my report i noticed their were a bunch of unauthorized inquires on my report. I Sent XXXX two letters disputing the information that they are reporting. I sent my first communication to them on XX/XX/XXXX I received a response from them advising me that they validated the information and to contact the creditor directly. I sent another communication on XX/XX/XXXX and received the same response. so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.. In addition, as part of your investigation, please send names, business address and phone numbers of those who made unauthorized credit inquires so I may contact them directly. I am asking for this because my credit is being unjustly degraded because of these unauthorized inquiries. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter.

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 2018-01-29
Company: SYNCHRONY FINANCIAL
State: HI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I had a XXXX XXXX XXXX XXXX credit card. Due to financial hardship I was unable to make payments which caused my account to go into collections. I have made numerous attempts to reach out to XXXX XXXX to settle my debt. It has been years from when I have opened the card and this still shows 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 explanation
Consumer complaint received 2021-11-09
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Every debt card I had PNC bank has been hacked and scammed. I file a claim with my bank about some fraudulent money coming out of my account. The bank returned the that was owed to me. Then a few days later the bank takes everything out of the account without an Explanation. I called the bank and no one knows why it happened

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-29
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
as a result of fraudulent actions i have 11 inquiries that i did not apply for when i asked the companies in question i was told to contact the credit agencies when i did so they told me to go back to the creditors at this point i need these fraudulent inquiries removed they are not connected to any accounts on my file. 
1..XXXX XX/XX/XXXX 2.XXXX  XXXX NA XX/XX/XXXX 3.XXXX XXXX XXXX XX/XX/XXXX 4.XXXX XXXX XX/XX/XXXX 5.XXXX XXXX XX/XX/XXXX 6.XXXX XXXX XXXX   XX/XX/XXXX 7.XXXX XX/XX/XXXX 8.XXXX XXXX XXXX XX/XX/XXXX 9.XXXX XX/XX/XXXX 10.XXXX XX/XX/XXXX 11.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 explanation
Consumer complaint received 2020-12-19
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: Account information incorrect

Complaint:
I have been attempting to get my credit report updated on the XXXX account as it was settled since XX/XX/2020 with their agent how bought their debt ( Full Circle ) and have not been able to obtain the final letter transferred that debt from XXXX to Full Circle nor has my credit report been updated to reflect {$0.00} balance on XXXX. 

They tell me that they have attempted to contact XXXX with no results and they could not give me any documentation that they bought the debt from XXXX. 

I have been emailing and contacting XXXX with numerous attempts along with over 10 + hours on hold with multiple transfers and disconnects and they still show2 I owe those funds. 

I have attached all the correspondence in hopes that I can get a letter from XXXX as this is holding up my refinance on my home and need it asap as I have also spent additional funds out of my pocket for the appraisal fees. 

Please can someone Please help me. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: U.S. BANCORP
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Since the beginning of my lease, they have been applying payments incorrectly so every month my late fees were getting further and further behind. Now they are saying i owe all of that because the system they were putting my additional payments towards the base rent instead of applying those payments to any additional charges they were charging. 

Started lease payments in XX/XX/XXXX. In year XXXX I made 8 payments and including additional charges for taxes and late fees. So total of 5 late fees in that year which i already paid. Each payment I would pay over to include the late fee and the bank was putting those charges to the base rent instead of the late fees, so their mess up kept on making me behind in payments and not on time. 

For payments in XXXX, Each payment I would pay over to include the late fee and the bank was putting those charges to the base rent instead of the late fees, so their mess up kept on making me behind in payments and not on time. 

My statements shows i am past due payments totaling in over XXXX dollars every month when my lease payment is XXXX a month. Most of those months i paid XXXX or XXXX or XXXX higher to pay off late fees they keep on assessing. Every time they did not apply those late fees to any of my late fees. 

They will not correct the issue, and say i am still behind payments, but i have paid XXXX payments in year XXXX so i am not behind and made the full payments for year XXXX. I call the company every single month and have to correct this every time they say they will take care of it then assess me even more fees the next month. I have emailed that company to complain and they respond saying to reach a different dept no one wants to help out and i am about to take them to small claims for all the late fees i have paid them since they can't get it right and apply the payments correctly. 

Someone needs to stop this company from earing XXXX 's of dollars of people like me charging erroneous charges. For all the time i have had to miss work to call them and complain to the company they should be paying me for all the frustration and wasted hours on the phone.

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 2018-01-29
Company: LEXISNEXIS
State: FL
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 belongs to someone else

Complaint:
Lexis Nexis XXXX XXXX XXXX. XXXX XXXX XXXX GA, XXXX I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the XXXX . report and other furnished Lexis Nexis regrading all personal information of mine. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. My information is clearly shown below : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SS XXXX DOB XXXX XXXX This is an ongoing issue I have to file a report with XXXX Ohio Police Dept . I am no longer living in Ohio. Some one has access my personal files and taken out accounts for business in my name..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX TransUnion Consumer Relations XXXX XXXX XXXX XXXX, PA XXXX To TransUnion Dispute Department DELETE XXXX XXXX XXXX because of multiple inaccuracies. 1. In the account number sections of this listing their are 3 different account numbers reporting. TransUnion is reporting XXXX*** as the account number. XXXX is reporting XXXX** as the account number. However XXXX  is reporting XXXX***. These account numbers are inconsistent. 2. In the Last Payment section of this listing. TransUnion and XXXX is reporting XX/XX/XXXX for last payment made. However, XXXX  is reporting XX/XX/XXXX as the last payment date made. These dates are inconsistent. 3.  In the Date Opened section of this listing. XXXX and XXXX  is reporting XX/XX/XXXX for date the account was opened. However TransUnion is reporting XX/XX/XXXX. 4. This is a closed account that still is reporting current activity on it. How could this be. Dont you get your reporting from the same company? Please Delete Because of this apparent neglect in ensuring everything on my report is accurate, consistent and up to date please Delete these items immediately! And send me another credit report. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX DOB:XX/XX/XXXX SSN # 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 2021-07-16
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have submitted a complaint with the consumer financial protection bureau. 
The Debt company and Apartment company responded with a bill of costs that are due. 
I submitted an online application. The decline was immediate for I was not accepted to be a residence of 8 eighty apartments. 
The total cost of the online application I see is {$52.00}. 
I do not know why there is a NSF fee of {$25.00}. 
There should not be a holding fee for there never was a hold for an apartment. 
There holding fee is {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am well aware of Bank of America Missorui has listed suspected fraud activity on my XXXX  file, dated XX/XX/XXXX. Which I agree with because I did in fact open the Bank of America Missouri account but the thing I do not agree with is the suspect fraud activity that have been placed on my XXXX account because the suspicious activity was not done by me, therefore I should not be punished for the activity. I did not contact the police which you guys stated in the letter stating that you guys need a police report dated XX/XX/XXXX but I did contacted the bank itself instantly after I realized some changes were made to my Bank of America account. I opened up a claim to dispute the fraud activity on my account which I thought was resolved but years later I found out about XXXX  and found a huge error on my report which is holding me back from getting loans, credit cards, homes and cars.

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 2022-01-09
Company: ALLY FINANCIAL INC.
State: PA
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: Problem with personal statement of dispute

Complaint:
I financed a car through ally financial in XXXX and paid for XXXX insurance. In XX/XX/XXXX the car was totaled which the insurance paid for and whatever was remaining was paid for by XXXX insurance. I had no idea about a balance being open or where it can from. I was also never late and always paid, and you would see this is the only account on my report with issues but no others. I filed for unsecured credit card debt chapter XXXX after a divorce in XX/XX/XXXX and I know that its on my report. However, ally is using that and staying on my credit damaging it so I dont get loans and wont talk about where this amount came from.

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 2021-11-09
Company: EQUIFAX, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
I mailed a Letter to Remove Inaccurate Credit Information : on XX/XX/XXXX never received a response so I sent another letter on XX/XX/2021 i never received any information from the credit bureau in reference to the investigation. They continue to update my account but i have been notified by the collector that the account was reported in error and should no longer be reported on my credit file but i still have not been contacted by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I got a letter in the mail with a credit card in it to activate. I never activated the card but I contacted the company and I was told I applied for the card. However, I did not apply for anything. I did have identity theft in XXXX, XXXX, XXXX and I thought I got everything squared away but it's happening again. I have numerous of inquires on my credit report that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX XXXX {$500.00}

Company response to consumer: Closed with explanation