BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-25
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I submitted a dispute to Experian in XX/XX/XXXX. The dispute included documentation that proved the items were incorrect and a request was made for an investigation and for the removal of the invalid information. After 30 days, no response was received from experience, therefore I resubmitted the exact copy of the dispute along with the supporting documentation that the information reported was incorrect and another request was made for the information to be removed, this time the request was made that all the information be removed because experience and had violated the fair credit reporting act and failed to respond with any sort of indication an investigation had occurred. The second request was sent out certified return receipt. As of this date, experience and has still failed to respond to the disputed information and continues to show the information on my credit report causing irreparable damage to my credit score and ability to obtain credit. In accordance with FCRA Statutes, when a dispute is submitted, the credit reporting agency has 30 days to perform its investigation from the XXXX receives the letter. If it does not receive a response within the 30 days, it must remove the file completely. In the event information is received about the particular disputed items, the credit reporting agency is required to inform me who they specifically spoke with, a name and contact information and the manner in which the information was validated. Because the credit reporting agency mailed to respond within the 30 day period, they are bound statutorily to remove all of the disputed items since they never responded since XX/XX/XXXX. They can not use codes to validate the disputed itens, they must require the creditor who reported the information to substantiate that the information reported is indeed valid by providing copies of contracts or other legal documents which would provide proof that the accounts specifically belong to me. This credit reporting agency has clearly violated my rights and continues to do so causing great financial burden as I am unable to apply for credit in any for due to the incorrect informnation they are reporting.

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 2017-04-25
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I opened up an account at pnc bank. I made it crystal clear at the time. Do Not gouge me with fees. The whole purpose of opening the account was to get away from another bank that was stealing from me. I sent after they stated gouging me to close my account and send me the balance. They close the account and kept the money. them a letter stating this and to close my account. They kept the money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-18
Company: Shellpoint Partners, LLC
State: MI
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Received payoff letter for loan with projected payoff date of  X/X/17    and title company attempted to tender payment on  X/X/17    but was rejected. Received new payoff letter increasing the payoff by {$2100.00} three days later! Requested explanation and was told they forgot to include {$1300.00} for work that their foreclosure attorney performed and {$750.00} for forced-place property insurance they forgot to include. ( Could not explain the other {$80.00}  ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
About a year ago, my credit card was maxed out and I proactively reached out to Discover and enrolled in a payment plan. I have since always paid at least the minimum payment due each month without fail. Unbeknownst to me, when I signed up for the plan, Discover 'suspended " my card and disallowed my available credit to change. 

During this 'suspension ' period, I lowered the total balance due from $ XXXX to ~ {$1300.00}. Also unbeknownst to me, Discover has been 'monitoring ' my credit reports and just a few days ago 'made the decision to close ' my account without any warning or deadline to pay the full balance. 

During the beginning of the pandemic, my income decreased significantly, but in the past few months my income has stabized and increased higher than it has ever been. I have reported the increase in pay to Discover and was planning to start making higher monthly payments. 

When I received notice from Discover of their plans to close my account, I immediately called the customer service department and inquired about the reason for the closure. The woman advised me that the decision has already been made and the card is already closed. There is nothing I can do. 

This is the shadiest practice I have ever been dealt from a credit card company. During a time when I reached out for help, they took advantage of me and closed my account without even a warning.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XXXX an attempt was made to pay my credit card through my local Bank of America XXXX XXXX {$1000.00} Was initially deposited however {$100.00} was returned due to being an old bill. After returning the bill the machine froze and after a brief wait it switched back to the welcome screen, never providing confirmation of payment or any receipt. On XX/XX/21 I went to the branch in an attempt to resolve the manner, I was directed to their credit card support phone line. Upon calling the support line I repeated said facts related to the incident, and was told that a claim would be opened and I would hear a response within XXXX business days. It is currently XX/XX/21 and I have yet to receive any communication or resolution from Bank of America related to the issue.

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 2017-04-25
Company: SYNCHRONY FINANCIAL
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I saw several years back around  XXXX  that there was a new account on my credit report  from GE Capital / Lowes w ith a credit limit of {$20000.00} opened up and active. I contact the bank directly and told them that is was clearly fraud and to please close the account. They did and they have now sent it to a collection company named   XXXX   XXXX   which they have even said it was FRAUD and they sent it back to the bank ( SYNCHRONY BAN K / LOWES ) to clos e it out again! On  XXXX / XXXX / XXXX  Synchrony Bank /  Lowes r eopened the account and added it to my credit file again! They bank has several police reports to bad my story up but they just want listen to me. Now lm losing my house on Wed due to the fraud there commenting against me. Now i do n't qualify for my home loan and I 'm now losing my {$220000.00} down payment on my new house, All because of this!!!! Please help 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 2022-09-15
Company: FREEDOM FINANCIAL NETWORK
State: MO
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:
5 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX, XXXX XXXX XXXX XXXX XXXX it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures. Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ). ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party. ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the fair reporting act XXXX account # XXXX, has violated my rights.

15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 section 602 A SSection 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My name is  XXXX   XXXX  and there are a total o f three credit ca rds in which I did not apply for and showing up on my report and at my home mailing address. Thos e three are ch ase bank,   XXXX   XXXX   XXXX   and   XXXX   XXXX   XXXX  . Can u please look into this and please take them off my report it 's been a fraud on my behalf.   Call me  XXXX  Thanks,  XXXX   XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-25
Company: CL Holdings LLC
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 status incorrect

Complaint:
I 'd paid my debts on  XXXX   XXXX ,   XXXX   and it 's yet to reflect that on my credit report. After calli ng JeffCapSys as recent as last Thursday ( I was initially told they report on the third Thursday ) which they now say that the company reports to credit bureaus on the third Friday! I 'm sick of it! Fix it!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: PNC Bank N.A.
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I went to use  my PNC credit ca rd to make a purchase at  XXXX   XXXX  on  XXXX   XXXX  and the card was declined. When I contacted the bank, they said it was because the payment which was a transfer from m y PNC checking account to the PNC credit  card account that was made on  XXXX   XXXX  was being floated and had not applied yet. Since when is a bank allowed to float an internal transfer of funds?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX  XXXX XXXX Account type Credit card 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 602 A Section 2 : its also states a consumer reporting agency can not furnish account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
After numerous attempts to resolve this matter, I continue to be ignored! The credit reporting agency did not investigate and delete the items mentioned in the dispute and I haven't heard anything back from them. They responded back with I didn't include verifying information, like driver 's license and proof of address. This is definitely a stall tack tick and is not acceptable.

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 2022-04-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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.

d

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: OneMain Finance Corporation
State: MO
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:
5 U.S. Code 6802 - Obligations with respect to disclosures of personal information Onemain Financial, XXXX XXXX XXXX XXXX XXXX it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures. Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ). ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party. ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: TFS FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX   XXXX   XXXX   who identified himself as the Legal Assistant with  XXXX ,  XXXX ,  XXXX ,   XXXX   XXXX   XXXX   XXXX  . LPA sent a e-mail to prosecutortaxenty, which is the e-mail of   XXXX   ,   XXXX   , Assistant Prosecuting Attorney of the Civil Division-Tax Unit.
This e-mail was sent on Tuesday,   XXXX   XXXX   XXXX   at   XXXX   XXXX   Within the body of the e-mail it stated the following ; Third Federal S & L vs.   XXXX   XXXX   XXXX   et al Case No.   XXXX   Our File :   XXXX   Good morning Please see the attached proposed Judgment Entry Confirming Sale for your review and approval. Once you have had a chance to review the Entry, please provide either your approval or charges Thank You At the bottom of the e-mail it has   XXXX   XXXX   XXXX   Legal Assistant  XXXX ,  XXXX ,  XXXX ,  XXXX  , &   XXXX   XXXX  , LPA  XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX     XXXX , OH  XXXX    XXXX   XXXX   XXXX   XXXX   ext  XXXX   XXXX  THIS MESSAGE IS FROM A DEBT COLLECTOR ATTEMPING TO COLLECT A DEBT ANY INFORMATION OBTAINED WILL BU UWS FOR THAT PURPOSE I need all of the following questions answer to determine whether this judgment order ( which is another form of a attempt to collect a debt ) is justified, 1. I was never given the opportunity to read this file titled Our File :  XXXX  please explain in detail what information is in this file?
2. Please send me a copy of all information in the file and any documentation associated with the file 3. Is the Judgment Entry that is confirming the sale for Ms. Jin to review actually a DRS book entry that comes from a direct register system in DRS ( book-entry ) form. If so is the entry or entries associated with either Third Federal,   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX  , or   XXXX   XXXX  . Who provided you with the information that is contained in the attached titled  XXXX  CE.doc and/or the information within the e-mail identified as Our File :   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I attempted to log in to transunion.com to review my freeze status on XX/XX/22. When I logged in, I received a message saying my account was temporarily suspended. No other information was provided. On XX/XX/22, I saw the same message. I contacted Transunion support at XXXXXXXX XXXX that day, the representative reset my password and told me to wait for an email. We disconnected as she thought that would solve the problem. I received the email and logged back in, only to get the same message about my account being suspended. I called back to support, at the same number, at XXXX XXXX. I spoke to another representative who, after 14 minutes, was unable to figure out what the problem was. He told me the issue was 'escalated ' and someone would get back to me. I was not given a case number or any information to follow up with. I have yet to hear back from anyone, and my account is still suspended. 
Today, XX/XX/22, I received a notification from another reporting service that an inquiry occured through Transunion. Because I was not able to log in previously, I could not reinstate the freeze on my account as I had planned to. And I am unable to verify the information regarding 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 non-monetary relief
Consumer complaint received 2017-04-25
Company: Progressive Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Over the last  2-3 years  have had numerous collections accounts appear in my name and social security number on all  XXXX  credit reports fro m 2 differe nt collection agencies,   XXXX   XXXX   and as of lat e, Progressive Financial Services ou t of  XXXX  AZ, representing  XXXX   XXXX  in   XXXX   XXXX   XXXX  OK for I assume, cable services and equipment. I 've never lived in, been to or know anyone in Oklahoma. The same thing has happened to my mom and father. I literally just had an account with   XXXX   XXXX   removed from all  XXXX  of my credit files within the last month. I just checked my credit today and  XXXX  is showing this new account with  Progressive Financial Services. I  assume  XXXX  and  XXXX  will end up reporting this account as well. The reason I 'm filing my complaint through CFPB is because I am emotionally exhausted from having to deal with the collection agencies,  XXXX   XXXX  and all  XXXX  bureaus. I 've already warned the original creditor to remove any current or past due accounts in my name and social security number from their systems or I will take legal action. All together, since  XXXX , there has been 8 collection accounts reported to all  XXXX  credit bureaus under my name and social security number and all of them have been accounts with the original creditor  XXXX   XXXX    XXXX    XXXX  OK. I live in  XXXX  and have for my entire life except for 13 months from  XXXX   XXXX  through  XXXX   XXXX   XXXX  when our family moved to   XXXX   XXXX   to care for my terminally ill grandfather. We moved back to  XXXX  in  Mid   XXXX   XXXX  and have lived here in   XXXX   since. Until this morning, my credit scores were just south of  XXXX . Now my scores have taken a large hit because of these collections accounts. Please do something to stop this from happening again and again.

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 2022-04-27
Company: EQUIFAX, INC.
State: LA
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 XXXX XXXX  Acct # 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.

Account was in forbearance while it was being restructured was never late and now everything is up to date please assit.

Company response to consumer: Closed with explanation