BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-19
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On Friday XX/XX/XXXX I walked into PNC Bank located at XXXX XXXX XXXX XXXX XXXX Florida XXXX and was approached by Banker XXXX. I needed to do a wire transfer. XXXX stated with my account there was no fees for the wire transfer. I gave him all the information, he printed the paperwork and I signed it then he signed. I ask for a copy as I needed proof of the wire transfer and he stated no I can not get a copy. I ask him why? He stated he is not going to give me a copy. My daughter explained why we needed the proof of the wire transfer as it was evidence of transmittal for the good faith deposit purchase of a new home. He refused but then he told us blatantly Im refusing to service you, you can leave now. Shocked at his statement my daughter stated " You refuse to service us because we ask for a copy? '' he stated yes you can leave. then he turned to the customer behind us and stated " sir can I help you ''. The customer stated loud no you need to help them I will wait. We were shocked at his behavior. We ask him for his name he stated no he is not going to give it. Then we ask for a card with the bank address. He stated we can google it. He REFUSED SERVICE. I then ask him to cancel the wire and if he could shered the cancelled document. He stated he will not he put it in the top draw. I informed him since I am being refused service for asking for a copy I will like to close my account and withdraw out all my money. He stated if I drew out my money he can not give all my XXXX just XXXX, XXXX. I ask for a manager and he stated none was in the Bank.

I proceeded to leave when another Banker ushered me into his office apologized and processed the wire transfer. This Banker name XXXX informed me there was no fee for the wire transfer and he gave me a copy. 

To add insult to injury they charged me a {$30.00} fee in which i noticed today XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Chase, our mortgage lender, raised our mortgage payment from {$2500.00} to {$2900.00}. They claimed that we need to pay more property taxes and have an escrow cushion of {$1500.00}. 

Thus, Chase has raised our mortgage payment by about {$500.00} per month. This is too much. My wife is sick and can not pay more. I am a XXXX but don't make a lot of money. 

We believed that a mortgage payment -- a fixed mortgage -- should stay the same. We can pay our original mortgage payment of {$2500.00} without trouble. But now, someone made a mistake by not setting up the escrow accounts correctly -- and now we have to pay, literally and figuratively. 

Someone else needs to pay the difference. We did not make a mistake. And raising our mortgage by {$500.00} a month is an unfair burden on us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I XXXX XXXX do solemnly swear that I am writing and submitting this complaint by myself on my own behalf. I have submitted numerous dispute to Equifax to have inaccurate items removed from my credit report as well as some unknown things. My 3rd dispute I mailed in was XX/XX/2021 and I haven't heard anything or received any kind of correspondence from Equifax at all in regards to my dispute. I feel like that are purposing targeting me due to my demographic and ignoring my request. Now I am demanding that these accounts and items not only be deleted from my credit report, but I AM demanding that these accounts and items be deleted immediately or I will be filing for litigation because this is insane the extreme amount of stress you all are causing me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. I've been in hospital twice stressing over this. It's not fair and federal laws are being broken at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 a victim of fraud identity theft. They are refusing to even let me access anything they have on file. From what I gather there's credit cards, mortgages and car loans taken out with my social security number for a very long time. I've never had a carloan, credit card, mortgage or what ever else they may have on file. Furthermore they told me my legal name isn't mine. Their telling to send documents I never had that aren't mine. Why would I have them? I actually don't feel safe giving them my information beings they just got caught lying by cfpb and they just had a data breach my social security number was involved in it.

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 2020-03-02
Company: Holloway Credit Solutions
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have XXXX XXXX protection against balance billing. XXXX   means qualified XXXX beneficiary for low incomes. If the provider accepts XXXX they, by law, accept XXXX. After XXXX pays, XXXX pays the rest of the bill per XXXX standards of payments for the service. The fact that the provider doesnt accept XXXX is meaningless. Both XXXX and XXXX paid.I dont have full XXXX. XXXX only pays what XXXX does not so XXXX paying a XXXX  bill is a XXXX protection payment not a XXXX payment. I told XXXX XXXX that XXXX paying as a XXXX supplement doesnt mean I have XXXX. It just means XXXX is part of a XXXX  ( XXXX XXXX XXXX ) and  acting as a XXXX protection, XXXX will call both of XXXX and XXXX XXXX. It is illegal to balance bill a XXXX  and against Federal law.

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 2022-06-15
Company: Client Services, Inc.
State: KY
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Multiple calls each week from Client Services regarding a very old payday loan debt that was discharged in bankruptcy. I have asked them to stop both nicely and not so nice and they continue to call and threaten to take me to court. Not sure of the amount, it is less than {$1000.00}. They called on XX/XX/2022 and they call once a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: EQUIFAX, INC.
State: WA
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I previously started looking into the report that included false information, and after reading your response, I saw that the report still contained false information despite having a confirmed status. Please validate this account 's status and payment history for me. I think the information being reported by this account is false. I always make my payments on time, so I never had a late payment on this account. I keep my own accounting records for payments, and the one you have does not line up with what I have. I ask that this account be thoroughly investigated and updated for proper and legal accuracy. Please fix the following account : XXXX XXXX XXXX Late Date XX/XX/20

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: FL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I had submitted dispute letters to you recently and received a response that is nothing more than a stall tactic. The errors on my credit report that was addressed is inaccurate and your refusal to comply with my dispute request is not acceptable. This is your final chance to resolve the inaccuracies on the account : XXXX XXXX XXXX XXXX Late Date XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: WELLS FARGO & COMPANY
State: NV
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 this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 o 4a section 2 also states a Consumer Reporting Agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a 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 2022-06-15
Company: EQUIFAX, INC.
State: SC
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, 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
To whom This XXXX concern, I, XXXX XXXX, am writing this complaint with a sound mind. As of today XX/XX/2022, I am still unable to view my credit report with Equifax. 

I have called multiple times to get this error resolved and have received the case numbers below : case no. XXXX confirmation no. XXXX Each time I call I am advised to upload a copy of my ID which I comply and they make the promise to fix the issue and send the credit report. 
I have not received any follow-up in regard to this matter and this is a hindrance to my monitoring my credit report. They have promised to send me a copy of my report and I have not received a copy of the report yet. 

Please note that I have attached my identification. Further note, that the identification list my address in which has been verified by the phone reps. I have also attached a screenshot of how it looks when I access Equifax via online.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
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: Old information reappears or never goes away

Complaint:
On XXXX16 at XXXX I spoke with XXXX at XXXX XXXX XXXX XXXX XXXX We reached a settlement agreement and he promised my debt will be deleted from my report after payment. Auth # XXXX for payment. The account is still on my credit report as a negative item.

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 2022-06-15
Company: Paypal Holdings, Inc
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a collection notice from PayPal in XXXX of XXXX stating that I owed {$30.00} on an account. When I further researched this issue it was noted that this was a fraudulent account created using my maiden name and current address. The collection agency was able to verbally verify that they sent a flag alert to PayPal regarding this account and I reached out to XXXX Identity Theft Protection to submit a claim. Since XXXX my XXXX agent and I have called PayPal numerous times and each time we get a different PayPal agent who gives us the run around. We were told on several conversations that we would be getting an email confirmation that the fraudulent account was closed and then each time we call back we are told they can not provide us with the information. I am looking to get written confirmation that the account in question was closed and that I will be released from any financial responsibilities from this identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-19
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax is denying my request to remove credit inquiry that has been on the report for over 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: Nations Recovery Center
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I received a phone call that I was unable to answer on my cell phone no voicemail was left. Then I received a phone call on my work line and a message was left regarding a " personal business matter '' and left a reference number XXXX. I called XXXX XXXX back at XXXX ext XXXX. I called her and let her know on the recorded line that I was not giving her permission to contact me at work as I do not conduct personal business while at work which is why I could n't answer my personal phone when she tried to call. I also asked her to provide proof of the debt as I do n't believe I owe anything and if there is something it has to be over 6 years which in my state would be a time barred debt. I ca n't have this company calling me at work and I did n't feel comfortable providing my personal information ( address and social security number - even the last XXXX ) if I do not owe a debt. These people should not be able to contact people 's place of employment either. She told me a letter had already been sent and she would let her " client '' know that I said to mail me something. If she is attempting to collect the debt would n't the Client be Nations Recovery?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-29
Company: Makes Cents, Inc. dba Advance.Cash
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX added a bogus collection to my XXXX account that is not mines. I did not receive a written communication announcing this debt. I did not receive any written communication citing my dispute rights. I've never heard of the collection agency or the original creditor. I don't even have any voicemails or other communications from this collection agency. I believe that this agency is fraudulently trying to collect money from me for a bogus account by placing this account on my XXXX Credit report without any written or verbal communication, in hopes that I would call and pay something that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: Jonathan C. Frank & Associates, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
The company Jonathan C Frank and Associates at the phone number XXXX has repeatedly contacted my parents at their home number AND personal cell number about a matter involving me that is " an urgent legal matter ''. I have no idea how they got my parents contact information but they have been harassing them and that is a violation of my privacy. Also, they have called my job as well and I have had to explain this to my HR dept. They contact my parents on XXXX XXXX, XXXX XXXX and XXXX XXXX. They contacted my job on XXXX XXXX and XXXX XXXX. They do not say what the matter is regarding only to say " It is an urgent legal matter ''. Like I am being wanted for XXXX! I have discussed this with my credit lawyer and he said we could sue but its best to just report a complaint first and see if that helps. Any help is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: Receivables Performance Management, LLC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I went to a XXXX XXXX store to pay my bill that was owed on my canceled service. I forgot to take the companys equipment with me. They told me it would be turned over to collections the next day. I paid the bill but the amount for the equipment stayed on my account. On XX/XX/XXXX I dropped the equipment off and was given a receipt for {$0.00} balance. A week or two later I started to get phone calls from collection agency. I explained to them what had happened. A few weeks later I got a call again and I once again told the man what happened and that I wasnt paying them for something I didnt owe. So here we are and I just want this taken off my credit report. Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: PENTAGON FEDERAL CREDIT UNION
State: WI
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:
If you look at my payments and their effects on my XXXX XXXX Balance, you will notice they have been going down. For instance, for statement closing date XX/XX/XXXX, it was {$1900.00}. For the next statement, XX/XX/XXXX, it went down to {$1700.00}. The next statement, XX/XX/XXXX, it was {$1500.00}.
However, per the XX/XX/XXXX statement, despite there being no cash advances on my part, or even purchases, PenFed XXXX up my XXXX XXXX  balance to {$2700.00} - an increase to {$1100.00} or 74 % increase.
I called on XX/XX/XXXX and was on hold for a little over 12 minutes. I then e-mailed PenFed. I got a response that they would get back to me in 2 to 3 business days, but PenFed has not contacted 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 explanation
Consumer complaint received 2020-01-09
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Approximately XXXXI received this loan through XXXX  XXXX back and returned it. Over the years I went to school and didn't realize this was a loan that was added into my other loans that I returned. I never went to the school. I filled for bankruptcy in hopes all my bills along with " it '' would go away shortly after bankruptcy was settled AES began contacting me again, Now attempting to purchase a home I was advised there was nothing I could do and to just pay it as I did. Now I am being told that this company XXXX XXXX XXXX has had several law suites. I have called and received no help or feedback. and I am looking to be relived of this debt I never used or went to school for. I can prove I never went to the school associated with this loan and attended school where I received financial aid over four years later. HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23
Company: EQUIFAX, INC.
State: WV
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:
Unauthorized accounts on my credit report by all three Credit Bureaus ( Equifax, XXXX, XXXX ) XXXX XXXX  XX/XX/XXXX, XXXX, XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  /XXXX  XXXX XX/XX/XXXX. Which violates Section 604 of the Fair Credit Reporting Act ( FCRA ) sets forth requirements, called " permissible purposes, '' that must be met before anyone can inquire a credit file. A few of the most common permissible purposes are : In accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with explanation