BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-11
Company: GreenSky, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
My complaint is about : Greensky , LLC ( the Lender ) On XX/XX/2019, I was referred to this company by XXXX XXXX XXXX, a dentist that used fraudulent diagnoses to make me believe that the work needed for my teeth wasn't covered by my insurance ( which was not true ), and that I actually needed more work than was necessary. 

This dental office has only started the work, and I suspected they were trying to rob me. 

I obtained a second opinion, and confirmed that in fact, most of the work they said I needed was unnecessary. 

At this point, the dentist has only done preparatory work for me, and all services have not been rendered, yet Greensky has already sent them payment, and then sent me a bill for {$7800.00}. 

I reached out to Greensky, and they said that they would look into the issue, and that if I had not had services rendered, they could refund the payment. A " Resolution Specialist '' from Greensky called me during work hours and left me a message, but when I tried to call them back, they were never available, and I left them a message as well. It has been a week, and I have yet to speak to anyone at Greensky. I've only been able to contact them through email. 

It says in their own disclosures that they only issue payment for services rendered, and that has not happened yet. They replied to me today via email stating that services have already been rendered, according to the dentist 's office, and that's why they issued payment. 

I will be going to the dentist 's office tomorrow, XX/XX/2019, to ask why they have already billed for work they have not completed, and to ask them to cancel their intended work. I would like to ensure this doesn't happen to anyone else, and would like Greensky , LLC investigated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: PNC Bank N.A.
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
In XXXX of 2015 a check that I had written for {$10.00}. for a co-pay for a medical visit was confiscated from either my mailbox or the billing department of the medical offices without my knowledge. The check payee was changed and amount was altered to {$4000.00}. The obvious forgery was presented to PNC for payment electronically and it was successfully negotiated with the {$4000.00}. being taken out of my PNC account. Apparently, the same check was altered a second time, presented electronically to PNC bank, but the forgery was noticed by the credit union to which the forger presented it and the negotiation was ultimately unsuccessful. In early XXXX of 2015, PNC notified me of the fraudulent activity which I had not noticed. PNC has refused to issue a refund for the {$4000.00}. that was removed from my account. Furthermore, despite the check being an obvious forgery, I was told by a representative from PNC that they are not able to scrutinize electronic transactions due to large volume. 
A bank 's primary responsibility is to safeguard the money entrusted to them in the form of bank accounts. Electronic transactions such as this should not be permitted if an obviously forged check can so easily be negotiated twice. It is the fiduciary responsibility of the bank to protect consumers from such blatant fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
The credit bureaus have been using my credit report improperly 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 my account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Experian Information Solutions 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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022

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 2016-11-16
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was forced to do a Short-Sale of my home by GreenTree Mortgage Servicing which is now Di-tech by misleading practices. I was given 90 days to do my short sale per our agreement. After the sale my home within that time it shows that I was 90 days late by Di-tech. I have tried to resolve this issue with them and they have ignored my request. I have also disputed the item with all 3 credit bureaus but no change. Attached is the letter from CFPB proving the mishandling of accounts and fraudulent activity by GreenTree. I would like this item removed from all 3 credit bureaus as it is affecting my credit score and it should not be there in the first place.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: LEXISNEXIS
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: Their investigation did not fix an error on your report

Complaint:
I did a recent review of my consumer reports with XXXX, XXXX and XXXX. All three agencies are reporting a XXXX XXXX  Bankruptcy which all 3 reported this information came from LexisNexis. I sent a letter to LexisNexis via certified mail ( XXXX XXXX XXXX XXXX XXXX ) dated XX/XX/XXXX letting them know that they, LexixNexis and the other 3 credit reporting agencies have violated my consumer rights to privacy by reporting this information without my permission. I also contacted the bankruptcy court who stated they do not provide any consumer information to credit reporting agencies. I told LexisNexis to remove this inaccurate information from any report/file that they have on me and to stop reporting this information to other credit reporting agencies. LexisNexis sent a letter dated XX/XX/XXXX stating the results of their reinvestigation came from them reviewing their bankruptcy records that they received from XXXX. I have contacted XXXX  and they stated they do not contact consumer reporting and credit reporting agencies. Since a reasonable reinvestigation was not conducted. I want LexisNexis, XXXX, XXXX and XXXX to stop all reporting of any bankruptcy on my consumer/credit reports and files immediately and to provide me with updated reports/files upon removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
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:
Portfolio Recovery Associates is reporting a debt that I owe {$5000.00} to them. I asked them to sent me a signed contract between them and myself and they havent sent me a copy of a contract as of yet. I been disputing this issue for the past XXXX years with no proof or results from Portfolio Recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I set-up my Direct Deposit from my Bank account at XXXX ( XXXX XXXX XXXX ) over to My Checking account at Wells Fargo and fund were not received to access by 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 2016-04-26
Company: PNC Bank N.A.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Received a letter on XXXX XXXX, 2016 from PNC Mortgage date XXXX XXXX, 2016 accusing me of not having insurance for my property and threatening to buy it for me. " Because unit owners insurance is required on your property, we plan to buy insurance for your property. '' First, they never asked me to provide proof of coverage. Second, they have their own insurance company which I believe is a conflict of interest. This company is not consumer friendly and should not be allowed to provide mortgage services.

Company response to consumer: Closed
Consumer complaint received 2022-11-07
Company: Experian Information Solutions Inc.
State: CT
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 sent a letter requesting that you reinvestigate the disputed account from my credit report as well as update this account from my report during the investigation period. As of this date, you have failed to respond to my request. Here is the account that I wanted to fix. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX opened XX/XX/2018 Balance {$4200.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: WELLS FARGO & COMPANY
State: PA
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:
I recently received a copy of my credit report and I noticed some accounts on my consumer report that should not be on there. ", is in violation of 15 USC 1692g. " WELLS FARGO CARDS SERVICES, '' were to notify me of this in writing 5 days prior. I was not notified. As the Original Creditor, only I can validate this debt. I do not validate this debt.Therefore, the following account must be delete from my report immediately.The reporting of this account are violations of 15 USC 1681, and the Fair Credit Reporting Act { 15 USC 1681 ( a ) ( 2 ) ( B ) } : ( " WELLS FARGO CARDS SERVICES, '' ) EXCLUSIONS_Except as provided in paragraph ( 3 ), the " consumer report '' does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issue of credit card or similar device. I never gave any verbal or '' WELLS FARGO CARDS SERVICES, '' written consent to report anything on my consumer report. No consent is identity Theft. ( 18 USC 1028A ) - '' AGGRAVATED IDENTITY THEFT. ''

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 2016-12-04
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
Exquifax REFUSES TO REMOVE extended Fraud alert. I have notified this company that I did not authorize them to put any kind of fraud alert on my credit file. They are XXXX off because I keep challenging information on my credit file. They are determined to try to hurt me from obtaining credit. This company is on the verge of getting sued by me. This is the 4th time this year they have put a fraud alert on my credit file and I am sick of it. They are NOT doing their job and they are breaking the law. This needs to stop and they need to be sued.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-19
Company: Eastern Account Systems of Connecticut, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I never received information regarding a debt from Eastern Account System. I have no idea where this debt is from. I have excellent credit and funds available to pay this debt but they put it on my credit report just as I am applying for a refinance on my mortgage. Now I ca n't get them to remove it. AND I DONT EVEN KNOW WHAT IT IS FOR BECAUSE I NEVER RECEIVED NOTICE!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I disputed a collection account and received a letter dated XXXX/XXXX/2016 stating that the record would be deleted from all credit files. I just noticed that after deletion the trade line has been added back to my XXXX report. Please see letter attached. 
ALSO Equifax has my name listed as XXXX XXXX XXXX. That is not my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Experian Information Solutions Inc.
State: CT
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:
It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX ; XXXX, XXXX ; XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$8800.00} ; ( Collection ) XXXX Date opened XX/XX/XXXX Balance {$24.00} XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on 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 non-monetary relief
Consumer complaint received 2021-11-22
Company: DISCOVER BANK
State: PA
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 made a purchase, from XXXX & XXXX, for furniture on XXXX XXXX and XX/XX/XXXX. For furniture totaling {$2400.00}, with my Discover XXXX 

Over the next months/years, the furniture never arrived. I called discover to see what my opitions were, concerning disputes. They said I could. dispute at anytime. But give some time because of XXXX. 

As of today ( XX/XX/XXXX ), I have not received anything from the company, nor any firm date of when I will. 

On XXXX XXXX of this year disputed the case. They ruled against me, saying the company said they would produce furniture. What timetable I asked, they had none. 

The credit card company, is not standing behind their card, for a purchase where I have received nothing. going on XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I challanged the amount past due, all other credit reporting agencies have removed it and or show XXXX balance. I used the information provided by Equifax stating the validity, but after contacting the creditor with the information provided by Equifax, the creditor holds no records of this account. So I have disputed again and once again they can not provide any proof or evidence that I can take to the creditor. What can I do? can they make up information like that? Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
The following companies have violated my rights : Account Name 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 XXXXXXXX {$0.00} 15 U.S.C . 1681 Section 602 A States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2015-09-07
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Equifax stated that they could not provide me with an online credit report because of their system having problems. The other XXXX credit reporting agencies ( XXXX and XXXX ) had no problem providing me with their versions of my credit report history. I would think that a company as large as Equifax could keep their computer reporting system available at all times instead of just putting me off and saying that they just ca n't provide that information during my official request. I need this information NOW so that I may clear up any inconsistencies and correct any errors. I would like to file a formal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I see 8 hard pulls on my credit account there 's a mistake I only authorized soft pulls to check that an error was corrected on my account please remove all theese hard pulls theese were for my personal record

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been disputing multiple fraudulent accounts on my credit reports with XXXX, Equifax and XXXX to no avail. I have sent in verifiable proof multiple including identity theft affidavit and police reports, yet the credit report agencies have not deleted this information in over a year of multiple dispute attempts over the past two years. 

They continue to state that these accounts have been verified by the creditor but when I ask for proof of verification, they never send the proof to me to validate their results. These are all fraudulent accounts! I am in process of filing a lawsuit against these reporting agencies if they do not delete these accounts. I have been harmed by their misrepresentation and my credit has been destroyed

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I purchase my homeowner 's insurance since XX/XX/XXXX. 
I received a notice of escrow account statement on or about XXXX XXXX, XXXX although it was dated XXXX XXXX, XXXX. 
In the statement it shows that I will be charged {$5700.00} for HAZARD INS. 
I have my own hazard insurance with XXXX XXXX XXXX XXXX of Florida. 
The cost of my homeowner insurance is {$980.00} and it is paid for until next year XXXX/XXXX/XXXX. 
I tried to call Seterus since the notice. I have called XXXX many times. 
I was not able to speak with a live person. I left messages to call back. There was no call back. 
This forced placed insurance will be a double insurance on my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I just started a new job. There was a memo sent out company wide about the company going from a bi-weekly to a semi-monthly payroll schedule. This company wide memo was issued prior to my start date. Friday XXXX XXXX was the beginning of the semi-monthly pay schedule. I scheduled all my bills to be paid on XXXX XXXX when I realized my direct deposit did not hit my account I immediately contacted my employer then contacted Bank of America to inform them of what happened. The representative I spoke to assured me not to worry that she was going to notate my account so that these transactions are paid since since my direct was set to hit my account overnight. The direct deposit it my and bank of america returned all of the items and charged me XXXX overdraft fees with money to cover those items in my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief