BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-22
Company: PNC Bank N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
- Approved for BBVA ClearPoints card on XX/XX/2021 - Promotion offer was 18 months 0 % APR + {$100.00} credit after spending {$1500.00} - PNC bank merger occurred - In PNC dashboard, interest rate now shows as 17.24 % - Bonus has not been provided - No late/missed payments- PNC is impossible to get a hold of. They took away their chat feature and every time I am on the line for 20 minutes when it tells me " There are no consultants available for your call, good bye ''. I have also messaged on XXXX and was told to call. No locations near me. 

BBVA initial email and current PNC screenshot included as attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Experian Information Solutions Inc.
State: VA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer. 15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. XXXX XXXX XXXX have indeed violated my rights with harassing phone calls. This is the same company who was found guilty for illegal debt collection practices and consumer reporting violations in XX/XX/2023.

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 2019-08-26
Company: Western-Shamrock Corporation
State: NM
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Company has continued to call family members to collect a debt payment that will be late this month. I will take legal action if o e of my family members is contacted again. They were listed as references not collateral. This practice is illegal and needs to be stopped immediatley.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: MONEY SOURCE, INC., THE
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
1. TMS ( XXXX XXXX is having systemic IT issues negatively affecting me and several neighbors whose loans have been transferred to XXXX XXXX. I bet this is affecting their wider customer base/ 2. TMS, as the servicing arm of XX/XX/XXXX my refinance company, set up a new loan for me in its system on XX/XX/2020. No payment was due for XXXX as shown on their monthly statement ( attached ). 

3. My first payment was due on XX/XX/2020. I made the payment on XX/XX/2020. Proof of payment clearing from my bank is attached. Proof that TMS applied the payment as shown on the monthly statement is also attached. 

4. On XX/XX/XXXX TMS sent an incorrect Goodbye letter Dated XX/XX/XXXX saying that the loan will transfer on XX/XX/XXXX to XXXX XXXX, but that consumers are liable for making their XX/XX/XXXX to the new servicer which does not even have the loan onboarded. 

5. Unexpectedly, on XX/XX/2020 TMS moved my XX/XX/2020 payment to a suspense account causing me to show as delinquent on the XXXX payment. It then transferred me as delinquent to new servicer. 

6. TMS managers stated on the phone call that I can ignore the issue and that I will not be transferred as delinquent to XXXX XXXX. They apologized profusely about the incorrect goodbye letter and stated that to get it corrected I must send a Notice of Error, which I did to theirXX/XX/XXXX, CT address. I have not heard back yet. 

7. On XX/XX/2020 TMS reported me late for the XXXX payment. Again, proof of timely payment and payment application is attached. 

8. On XX/XX/2020, the new servicer onboarded the loan and stated that I was transferred as delinquent on my mortgage and that TMS never sent over the XXXX payment. The new servicer wants me to make the XXXX payment again to come current.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
We were charged fees on our Chase credit card that had a XXXX balance. We called the company and decided to close the account. The representative on the phone said the charge would be reversed and the account would be closed. We continue to receive emails about additional fees, late notices and threats to report us to the credit bureau. We called the company agian to review the problems and were assured that all fees would be removed and the account would be closed. Last phone conversation was in XX/XX/2023. Just received on XX/XX/2023 an email saying our account had been closed due to non payment and that we still owed all the fees charged.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-22
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon checking my credit report I discovered Transworld Systems had placed a collection account on my file. I submitted a validation request letter XX/XX/XXXX requesting my signature on any document agreeing to do business with this company and requesting any documents showing my signature to do business with Transworld Systems. I received a letter stating that they would contact the original creditor and that they had followed and complied with federal law. All validation should be done BEFORE derogatory information is placed on any ones credit file. This is NOT MY account and I am requesting that it be deleted immediately as it is damaging to my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 applied for an XXXX XXXX credit card today XX/XX/2020 and I was not approved. I called to ask for the reason why I didn't get approved and they told me that it was because there were three accounts that were maxed out on my credit report and some inquiries ; I had no idea what they were talking about since I barely use my credit cards but after looking through my credit report I saw those accounts and none of them belong to me. I did not open those accounts and I have never allowed anyone to open those accounts in my name. I do not have any written/verbal contract with those companies and I have never gained anything from those accounts such as money, goods, services or any other benefit nor have I ever made any payments towards any of those accounts. I filed a police report as soon as I found out about these accounts as well as a complaint with the Consumer Financial Protection Bureau.

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 2022-12-05
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 have noticed many incorrect and unauthorized items appeared in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: FC HoldCo LLC
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Flagship credit what a joke lost my job asked for assistance was denied told repossession would not happen until 60-90 days out, now the problem I have is I have scheduled a payment which constitutes an arrangement everyone is beyond rude I am fed up with the treatment I am debating on bankruptcy due their treatment I should not have refinanced my loan with Flagship, XXXX never treated me this way.

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 2023-05-14
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Unauthorized credit applications. Only authorized was XXXX XXXX. XXXX XXXX, and XXXX XXXX. All others are unauthorized

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 2020-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regard to the items on my credit report. It has been well over 30 days and I have not received any investigation results.

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 2018-05-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There is a bankruptcy reporting on my account that is erroneous in amount that is showing {$0.00}. Also I was told that it had been verified through the courts which was a lie because I received a letter from the courts on XX/XX/XXXX stating that they do not do such.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: CITIBANK, N.A.
State: CA
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:
There has been unauthorized charges of {$2600.00} on a credit card that I have known as last four ( XXXX ) XXXX Citi Simplicity Credit card, I have contacted their customer care and their security department indicating them of all these bogus charges and to this date nothing has been done about resolving these charges and give me credit on my account, this has been going on since XXXX to this date in XXXX, interest charges, late charges have been added on the total owed on this card. 
I have gathered all my statement and have proof of these bogus unauthorized charges via my monthly statements. 
When I contact their customer care phone number they readily send me to their security department who in turn does nothing to resolve these charges much less investigate them, in this account and another account I made the mistake of authorizing auto-pay from my checking account and I have indicated that I want to terminate the auto-pay but it has fallen in deaf ears and my balance just keeps going up instead of falling after each monthly payment as it should be. 
I do have written proof of all these bogus charges since I open this account I had only one primary charge and never used this card again to buy anything, the card was never activated after the first original charge.

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 2020-07-15
Company: CHARLES SCHWAB CORPORATION, THE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
on my XXXX report, I have found collection account from Charles Schwab bank, however I do not have any relation to this bank, and account seems to be opened under my name fraudulently, as I am not living in the US for 6 years Date reported : XX/XX/2019 Account number last 4 digits : XXXX The amount owed : 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 2023-03-17
Company: Rocket Mortgage, LLC
State: MT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am curious how XXXX is supposed to pay their mortgage on time when the Department of Social Security refuses to pay benefits until the end of the month regardless of the supporting evidence that shows all bills are due before payments are given. Contacting the mortgage lender does no help as they will not adjust the payment due date. So I will never have good credit because the servicer reports my payments as late every month regardless if they are made before the XXXX. So I am never eligible for a home equity loan that could help me beyond words. The SSI sets recipients up to fail and the mortgage lenders/servicers are there to watch and support the failure. How is legal. Why are adjustments not made? Does the US feel we should always and forever be in bad debt? As a XXXX person no amendments are made to secure one 's financial future or stability. Go America.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: EQUIFAX, INC.
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:
EQUIFAX just violated the law and reported unauthorized inquiries which is unknown from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: HYUNDAI CAPITAL AMERICA
State: SC
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:
Re : Acct # XXXX To Whom It Ma Concern : Thank you for taking the time out of your day to read this letter. I just pulled my credit report, and discovered that there are 6 late payments reported for my account. I realize I recently fell on hard times and gotten behind in my payments, however, in addition to the recent late payments XXXX has reported that several other payments have been incorrectly reported as 30-59 days late. 

In the month of XX/XX/XXXX, XXXX XXXX XXXX recently reported that payment as 30-59 days late. During XX/XX/XXXX my due date for that payment was the XX/XX/XXXX of each month. My XX/XX/XXXX payment in the amount of {$390.00} was made on XX/XX/XXXX, which is actually prior to due date. 

Once again, my XX/XX/XXXX payment was recently reported 30-59 days late. My XX/XX/XXXX payment was due on XX/XX/XXXX ; my XX/XX/XXXX payment was posted to my account on XX/XX/XXXX, which is 14 days after due date. This is definitely not accurate as being reported on my credit report. 

Once again, my XX/XX/XXXX payment was report 30-59 days late. My XX/XX/XXXX payment was due on the XX/XX/XXXX. This payment was deferred at the suggestion of the customer service representative. 

In event of the inaccuracies of my payment history, I am writing to request that a resubmission of an accurate payment history is reported to all three credit bureaus. 
Thank You XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, SC XXXX XXXX : Copy of payment history from XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-22
Company: ENCORE CAPITAL GROUP 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:
Here are the accounts below that are inaccurate and have never done business with 1. XXXX  XXXX XXXX XXXX XXXX - {$19000.00}. ( ftc report filed ) 2. XXXX - XX/XX/XXXX - {$14000.00} 3. MIDLAND CREDIT MANAGEMENT - XX/XX/XXXX - {$1300.00} ( FTC REPORT FILED ) 4.MIDLAND CREDIT MANAGEMENT - XX/XX/XXXX - {$2200.00} ( FTC REPORT FILED )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-27
Company: WYNDHAM CAPITAL MORTGAGE, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I refinanced my mortgage with Wyndham Capital. My  mortgage was with XXXX prior to the refinance. On XX/XX/XXXX XXXX sent a payoff statement to Wyndham. However, the payoff statement was inaccurate because I had  cancelled my XX/XX/XXXX payment but XXXX included the payment in it's calculation for the payoff statement generated on XX/XX/XXXX. On XX/XX/XXXX XXXX realized that I cancelled the payment so they generated a new payoff statement which they claim was sent to Wyndham on XX/XX/XXXX. However, Wyndham never received this payoff statement and XXXX has no record that they actually sent the statement. So on XX/XX/XXXX a wire was sent to XXXX to payoff the mortgage. The amount sent was based on the XX/XX/XXXX payoff statement because no one knew about the statement generated on XX/XX/XXXX. At that time XXXX contacted XXXX XXXX company to let them no the payoff was short. Silk then contacted Wyndham on XX/XX/XXXX to let them know. I was never notified of this issue. On XX/XX/XXXX by my own efforts I discovered there was an issue with the payoff. However, for 6 days I had two loans one my property both of which were accruing interest. This could have been solved in multiple of ways. Most notably I could have been contacted by Wyndham on XX/XX/XXXX so that they payoff could have been corrected and I wouldn't have incurred extra fees and interest. Additionally, XXXX should have honored the first payoff statement because they have no proof they sent it. Wyndham said they would honor the XX/XX/XXXX statement if XXXX could prove they sent the fax.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-15
Company: Consumer Portfolio Services, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: EQUIFAX, 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: Account information incorrect

Complaint:
To whom it may concern I noticed there are late payments and a past due balance listed under the collection account XXXX XXXX XXXX. From my understanding collection accounts are not supposed to include a payment history of late payments as I do not have any payment agreements currently set in place with this agency. This collection claiming a history of late payments is a false representation to my relationship with them. A collection is by default derogatory, this goes without say. Please delete this from my report immediately Thank You,

Company response to consumer: Closed with explanation