BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-04
Company: PNC Bank N.A.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX a check was paid on our account. Received the statement on XX/XX/XXXX and called the bank the following day, to inform them that the check was fraud and never authorized. I was told XXXX was now pnc bank and a dispute was initiated. I was told I would receive a written letter within XXXX business days. I never received any correspondence. On XX/XX/XXXX I received a letter asking to call them with more details. I called and An escalation specialist pulled up the information and said the claim had been resolved. However my account was not credited and no explanation given. She refilled the complainant and gave me a reference number. Two more weeks went by and I called her four more times but she was not sure what happened to my case and told me to call the fraud department directly for answers as she could not see the screen to help me. I called the fraud department and was told they also could not see that screen and said they would call me back. They never did. On XX/XX/XXXX I finally went into the bank and spoke with a branch personnel. She called the fraud department but still got no where. After numerous calls from her I was told they ordered a copy of said check and to come in on Monday to figure this out. I went in on XX/XX/XXXX and spoke with the branch XXXX who filled an elder abuse claim and sent it to the escalation dept to get this resolved. I received a call from the escalation dept on XX/XX/XXXX. She told me the dept she needed to talk to closed at XXXX pm but would call me the following day. I am still waiting for that call. It is XX/XX/XXXX today. She informed me that disputes can take up to 6 months to resolve. Honestly this is ridiculous. The check was never authorized and was clearly someone taking advantage of the elderly. To compound matters the bank is now taking advantage and abusing their elderly customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: Experian Information Solutions 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 have a fraudulent account on my credit report, which I reported it to XXXX XXXX XXXX, yet XXXX XXXX XXXX  is not removing this fraudulent account. XXXX XXXX XXXX  has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet XXXX XXXX XXXX XXXX  has refused to do this. The following is the fraudulent account : XXXX XXXX XXXX XXXX which was open at an address which I have never lived at and it has nothing to do with me.

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 2017-10-25
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
15 Years Ago I had opend a Checking Acct with now which is ( XXXX XXXX ). In XXXX I had unexpectedly gotten a call from my landlord saying I had wrote him a bad check I do n't write bad checks if I do n't have it I will tell you I do n't have it and my credit score is over XXXX, after I had sent other checks out as well. Was n't sure if it was me reading my statements wrong or not so I went I got a print out directly from the Bank. The Print out had show 'd both ( Positive+Negative ) to my acct?? I had also deposited enough to cover all checks atleast per there statement that I was reading and thought. I kept getting overdraft letters in the mail and went to an Attorney, I was told to get out of that bank and since their was no ( Bank error notification ) on their print out then I was n't legally responsible for any fee 's. I switch 'd Banks and stop 'd all activitys with TD Bank. I had then went to XXXX Managers gave them their debit card back and had also made 2 phone calls from them and demanded all {$250.00} fee 's be waive 'd so I can close the acct officially. I was laugh 'd @ and told no. I told them I was taking Legal Action and also notifying cfpb. They did n't care and then said my avg daily balance was {$1.00}??? and when talking to them they tried to ( Trick ) me into admitting I was purposely writing bad checks and when it did n't work they then wanted to get their Fraud division involved to clear me and see if there was a possible theft going on.I said no and took action. I 'm reporting this for others to be aware of and to get this acct officially closed and fee 's waived which never should have been givin to begin with.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
This issue relates to how Bank of America Fraud Department handled one specific fraudulent charge in my fraud claim. 
1. BofA did absolutely no follow up or due diligence on this specific fraudulent charge ... no request for a chargeback from the merchant, no call or query to the merchant. Yet during my calls with the bank several representatives stated that they had followed up with the merchant. That was untrue, something that became clear much later 2. Despite the complete lack of investigation or information, the bank denied my claim for this charge, twice 3. I personally spent many hours, 16 frustrating calls with long hold times to BofA, and several calls to the hotel to investigate on my own 4. I had to personally arrange for a phone meeting between myself, BofA, and the merchant general manager to break through BofA 's stonewalling and its broken business process 5. I also had to submit a formal complaint to BofA 's Chief Client Care Executive ( XXXX XXXX ), see website : https : //www.bankofamerica.com/customer-service/contact-us/feedback-form/ 6. 

Only after all of this did the bank finally agree that this charge was fraudulent and issue a credit. 

I've been a loyal BofA customer for over 40 years until now. This experience goes beyond betrayal. No more. If anything, the bank should pay me for the 15+ hours I spent doing the investigation that they should have done. 

It is an absolutely abusive practice to deny a claim for a fraudulent charge without any investigation for the specific 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 monetary relief
Consumer complaint received 2019-10-07
Company: Kriya Capital, LLC
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: Information belongs to someone else

Complaint:
After reviewing my credit file Credence is appearing on my credit file. A company that I have never heard of or dealt with. This company has never reached out ton me regarding any alleged debt that they have under my name. They have not given me the chance to dispute the validity of this alleged account. Not only that I am a victim of identity theft and I believe this account is a result of identity theft. I request that this account be block immediately. I have never signed a contract with this company nor any company that Credence represent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: Experian Information Solutions 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:
Hi Cfpb, I noticed inquiries on my credit report that I am not familiar with. I was a victim of the XXXX inquiry issue. I spoke with XXXX and they are not helping at all. I know for a fact that no one has my SSN or personal information. I had over an XXXX credit score all my life and would like these inquiries removed since I do n't recognize them. 

Best Regards, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Bank 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 2021-03-08
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:
Hey guys, My name is XXXX XXXX XXXX XXXX. 
I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: SYNCHRONY FINANCIAL
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 not aware of this inquiry

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 2022-04-04
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I purchased an online business and related training on how to have my own digital business. I paid {$3000.00} and it included a full set up of the website plus training. The sale took course over a phone conversation. Everything else was handled over emails. These people are in XXXX so there is an almost 12 hour difference that later made it difficult for them to keep in touch in a timely manner. After payment was made they barely answered my support questions to the point that I got no more replies. Almost 4 months later of me doing everything on my own following their training videos I got stuck and was still not able to contact them. So I decided to contact my card provider Capital One for a formal complaint. The following day I get emails from the person I purchased everything from threatening me and my children! Telling how he knew everything about my life and how I and my kid will pay and be sorry! Mind you I never told him anything about my personal life and he mentioned things about my kid I had never or had any reason to tell him about! I freaked out and at this point I'm thinking he's hacked my personal info somehow and I proceeded to change passwords on EVERYTHING. I called my card provider and sent copies of the threatening emails and 4 reps I spoke with said they would help. That never happened as they washed their hands and said I needed to provide them with a receipt of the purchase! My receipt is the charge on my statement! I never received a confirmation email from this merchant for the purchase but they somehow produced a so called " return policy '' I NEVER received. So Capital One closed my case on that basis! I pay my purchases in full each statement and the reason I paid with a card was for the sole reason that I would be protected. I'm out of {$3000.00} and no business. That company scammed me and threaten me. I want my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-13
Company: Resource Management Group
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
First, I received a call from RMG ( resource management group ) about a medical bill from XX/XX/2012, from XXXX XXXX. I was not notified about this bill at all via mail or email. I did not know who they were, so I told the rep to send me more information, and she did via email while I was on the phone with her. I hung up on her because I did not know RMG, and they kept calling. 

I decided to call Dekalb Medical, now XXXX, about this debt. I called the finance department, and they said that they see something but could not give me more information as the case was too old for their current system. I also mention RMG giving me call but they said they never heard of them and I spoke to two different reps.They gave me a name and number that they handed the case to, XXXX XXXX XXXX. I called them, and they said that they did, in fact, had a debt that I owe even though I was XXXX years old at the time and was under my father 's insurance. The rep said that I had to pay not to affect my score or turn into a lien. I was not advised that I could make a payment plan or dispute it. So I paid for it, and now my parents said that I should have insurance and that they register me as self-pay at the time. 

I do not want this on my credit, and I want to dispute it, especially since I never received a letter in the mail or anything like that, and it was back in 2012 past the limitation. I would want copies of them taking this off my credit. 

I am still getting calls from RMG.

Company response to consumer: Untimely response
Consumer complaint received 2022-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In accordance with the fair credit reporting act XXXX  account # 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 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-04-04
Company: EQUIFAX, INC.
State: NY
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
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: Personal information incorrect

Complaint:
I have a XXXX XXXX  car loan, but on my credit report the address they have it's incorrect, I never stayed there. I always stayed at XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX. Plus the loan they have out for the car I don't even have it anymore. 

In accordance with the fair credit reporting act convergent Account # XXXX 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.

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 2020-04-25
Company: Primary Financial Services L.L.C.
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
This is XXXX XXXX I am struggling right now to make my house payment sense the COVID 19 we have been on short time not getting overtime at work not even working a full week now and soon we might be laying off. I got a letter from my mortgage XXXX saying I owed for XXXX and XXXX in the amount of XXXX that amount includes XXXX late charges and XXXX in other fees as noted. They said partial payments would be returned!! They said they were trying to help me but how when they are still charging me late fees?

Company response to consumer: Untimely response
Consumer complaint received 2021-11-10
Company: MORTGAGE AMERICA, INC
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am a first time home buyer and after months of searching, found a house. We wanted to move on it quickly and our realtor suggested using Mortgage America because she had worked with them in the past ( though I never gave verbal consent to using this company ). Our offer was accepted and everything was fine until 2 weeks out from closing when the underwriter asked for several documents ( attached ). I had started a new job at the end of XXXX and had 1 paystub at the time of the email so after providing a signed offer letter from my supervisor, the company requested additional documentation. Anytime I sent documents, I was told they needed something else. I attempted at least 5 times to speak with the underwriter over the phone but was always told she was unavailable. I also spoke with 6 different people during this process who told me different things on what was acceptable documentation but when asked to have a conference call, no one responded. After being suggested I put my down payment money towards paying off student loans two days before closing, I asked for my application to be pulled. There is so much more to say but not enough room ; simply put, they made me jump through hoops the entire time and the underwriter never returned my phone calls.

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 2022-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On my profile report, I found that there were unauthorized accounts that were unlawful. The fact that you've included the information below in my credit report and omitted to use reasonable means to ensure the highest possible accuracy in the credit reports you distribute bothers me. Credit reporting requirements ensure that only the most accurate information is made public. Each step in the progression should be followed to ensure the accuracy of the data presented. It's important to go deeper into the supporting data in this manner. Despite carefully reviewing my credit record from your service, I've been unable to locate any erroneous or invalidated accounts. As a result of the XXXX data breach, which may or may not have exposed my personal information, I am unaware of any items or erroneous information of this kind. You're not following the FRCA 's reporting requirements since you're filing your reports carelessly and erroneously. I understand that as a federally protected consumer, you are unable to hire a counsel to defend yourself against me. 
Under TILA 1640, I'll sue the company for at least 1 percent of its stock value, or any other amount of damages up to and including $ XXXX, and seek a default judgment.

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 2020-04-24
Company: U.S. BANCORP
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:
I disputed the ELAN Financial Services XXXX late payment claim with XXXX  Credit Reporting Agency. My records indicate that I made the XXXX payment on XX/XX/XXXX which was due on XX/XX/XXXX. I was not charged a late payment fee by this merchant. As a result of this erroneous reporting, my credit score has dropped which causes financial harm to me through higher interest rates, draining cashflow, etc. I need your assistance in enforcing the Fair Reporting Credit Act ( 15 USC 1681a ) and the Fair Debt Collectors Practices Act. ( Specifically, 15 USC 1692e ) I have spoken to this company on recorded phone calls and they insured me that this error would be fixed however as of XX/XX/XXXX, it still remain on my credit report in error.

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