BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-17
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX was in review for a loan modification with all documentation submitted to the lender on XX/XX/2015. On XX/XX/XXXX XXXX from PNC called our office and stated that their institution was in need of a paycheck stub dated for XX/XX/XXXX as the one they had was cut off. She made it very clear that this paycheck stub dated XX/XX/XXXX was the only one to be submitted and was the only document needed. She did confirm the deadline for this document to be received was XX/XX/XXXX. The paycheck stub was sent to PNC on XX/XX/XXXX. Our office followed up and it was confirmed the paycheck stub was received. XXXX XXXX our office spoke with XXXX who stated that there was not a complete package and stated he did n't know what was missing the call was dropped. When our office called back it stated their institution was closed. On XX/XX/XXXX our office spoke to XXXX id XXXX in Florida loss mitigation. She stated the file was closed out on XX/XX/XXXX because the following documents were not received - bank statements for XX/XX/XXXX for account number XXXX, XXXX, missing utility, missing employment letter missing hardship verification. I asked her when these documents were requested as we had called on a weekly basis and never once were these items requested. In fact, I informed her their office called us on XX/XX/XXXX and only requested the paycheck stub. She confirmed XXXX called us, but stated XXXX only documented the account with her informing us of the missing item. XXXX failed to properly notate the account as to what was requested ( as she was adamant only pay stubs were needed ) and failed to do her job properly as now there is conflicting information. Calls are recorded for quality and we are demanding that that could be pulled so we can confirm that she failed to provide accurate information. Furthermore it is obvious that PNC purposely provided inaccurate information so XXXX XXXX file could be removed from loss mitigation. The number of times that we communicated with PNC to check status of the file should extinguish any opportunity to excuse PNC 's behavior. It is very apparent that PNC employees are negligent and that PNC is denying this file and discriminating against XXXX XXXX based on his race, ethnicity, language, and national origin. They would rather foreclose on his property then do a proper review of his file. We are demanding that the sale date scheduled for XXXX be postponed or XXXX XXXX will assert his legal right and name PNC Mortgage and XXXX as defendants in civil court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: EOS 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:
On my XXXX  credit report it shows a delinquent account. This account went delinquent in XXXX, after an Ex refused to pay his bill after the relationship ended. I became aware of this delinquent account in XXXX when i pulled my credit report. It was bought by a new collections agency ( EOS CCA ) recently and that collections agency is reporting as a new account, using the date they bought it as the date it was opened. I know that this is illegal! They must use the original date, even if a new company purchased it. I filed a dispute and asked for the date to be changed but was denied. This account is showing to be opened on XX/XX/XXXX, when it actually went delinquent in XXXX. This past due account dropped off of my XXXX  report because it was not reported with the new date there.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: EQUIFAX, INC.
State: MD
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 have disputed information on several occasions with the three major credit bureaus. One minute they delete the information the next minute they are reinserted back on my credit file, and displaying wrong information. Below are the items that I have disputed before and have been deleted and " In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ) they were required to notify me of the reinsertion in writing and failed to do so, this is a violation. 

There are also several inquiries on each of my reports stating I gave permission for my credit to be ran for a new car in XXXX XXXX. I walked into XXXX XXXX with a letter from my Credit Union with how much they would finance. I never gave permission for them to run my credit through anyone else my vehicle was already done. Each of them state " The inquiry was of Factual Record, whose record? the inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 1. XXXX This is a fraudulent account 2, XXXX XXXX XXXX. This account was deleted, it also had a message saying that this account was due to Natural Disaster or Emergency, deleted from all three bureaus, in XXXX and XXXX only to be reinserted. They refused to go back and disputed again ( All three bureaus state they will not dispute again. 

3. XXXX XXXX Was deleted and reinserted due to unverifiable information and fraud. The Credit Bureau ( XXXX  and XXXX  ) Refused to re dispute stating it was frivolous but deleted from equifax. 
4. XXXX XXXX This account information is incorrect it was opened XX/XX/XXXX, and was deleted because of fraud. 
5. XXXX XXXX. This account was deleted in XXXX when I had a lawyer go after them, only to be reinserted. XXXX  won't re dispute they have not come back on Equifax or XXXX. 
6. XXXX XXXX XXXX. The account information is incorrect, name, when account was opened, balance etc. It was deleted from equfax, but XXXX  and XXXX  keep reinserting. 
7. Bankruptcy filed in XXXX was fraudulent. The bureaus ' state they got their information from XXXX XXXX and I have a report from them stating they have no information regarding a bankruptcy on me. 
8. XXXX XXXX , never late As stated above, these actions take by these credit bureaus are in direct violation of my rights and I demand that they be removed or I will seek legal action against each company individually for violating my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13
Company: Ocwen Financial Corporation
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Ocwen misrepresented my foreclosure date to me. On XXXX XXXX, 2016, an Ocwen representative telephoned me and told me that a foreclosure sale on my house would occur on XXXX XXXX, 2016. I believed that this person was telling me the truth and that I would have to move out before this date. Because I have no where else to go, I assumed I would become homeless and have to stay in a shelter or live on the streets. I was extremely upset by this information. 

By chance, I happened to learn that this was not true : Connecticut is a judicial foreclosure state, and the court has not ordered a foreclosure date in my case. No judgment of foreclosure has even been entered. Not only is there not a foreclosure sale on XXXX XXXX, but a foreclosure sale has n't been ordered at all by the court. If I had n't happened to find out that Ocwen was lying to me about my foreclosure, this misrepresentation could have needlessly caused me to become homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have sent my 609 letters requesting verification and validation of information on my credit reports. By law, 100 % of the items on my credit report are to be validated and accurate. They are not currently.

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 2017-02-10
Company: PNC Bank N.A.
State: IL
Product: Credit card
Issue: Advertising and marketing

Complaint:
Have been trying to get PNC Bank to stop sending credit card offers to me. I have documentation for the last 6 months. Each time I call the number on the offer to opt out, they willingly take my information and tell me that I will stop receiving the offers. I documented opt-out calls on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Today on XX/XX/XXXX another offer was received. 
( I am also an XXXX permanent registered participant. )

Company response to consumer: Closed
Consumer complaint received 2020-04-06
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: Account status incorrect

Complaint:
Hi, I was viewing my credit file when I noticed my student loans are reporting inaccurately. I have loans through XXXX currently. In the past I had loans with XXXX as well. A couple of years ago I transferred all of my loans to my preferred lender Dept EDXXXX XXXX which is XXXX. 

XXXX  status should be reported as closed - Transferred. 

XXXX - should show is open. 

However, my credit report shows ( 5 ) XXXX  accounts closed which is -inaccurate -duplicated reporting - because the closed reporting of dept Ed/ XXXX is the same exact XXXX open accounts. 
- showing the same loans open and closed is on accurate reporting. 

I should only show ( 2 ) closed educational loans. Which are XXXX. 

Please update my credit file correctly- this reporting is incorrect and hurting my credit file. Thank you.

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 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
The addresses being reported on the consumer report is fraud and does not belong to the consumer. These addresses are shown to be connected to accounts the consumer is unaware of and did not authorize. It is against consumer rights to be reporting false information on a credit report. It has caused many problems and many denial of credit. XXXX, Transunion, and XXXX have been contacted 3 times and no change.

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 2015-05-01
Company: YSA ARM LLC DBA Oxygen XL
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
In XXXX 2013 I received letter from Oxygen Recovery Group demanding {$7300.00} ( attachment XXXX ) Of course I requested any documents concerning this demand. 
They mailed to me papers with cover letter ( att. XXXX ) :1. Statement of Deposit with my name but without any signatures ( att. XXXX ) 2. Letter that some XXXX XXXX intend to vacate apartment XXXX and authorizes XXXX XXXX to hold security deposit (????? ) ( att. XXXX ) 3. Lease Renewal Application with my name on it but with unknown to me address as well as unknown phone numbers. With name some XXXX XXXX as cousin. 
With no other information filled in. 
In addition this document signed by somebody but the signature even does not look like mine. ( att. XXXX ) That was entire package of documents. Without any real information but my name. 
I informed the Oxygen Recovery Group by fax that it is fraud based on my identity theft ( att. XXXX ) They answered me and requested " proof that this is not me " ( att. XXXX ) I have an idea how to prove that me is me but I have no clue how to prove that anybody else is not me. 
Recently I learned that Oxygen Recovery Group put this money for collection to my account. 
As I am sure it is situation of conspiracy based on my identity theft for exaction. 
Of course I filed compliant with the Federal Trade Commission as well as with Credit Bureau. 
Now I look for an attorney to file Legal Case of exaction.

Company response to consumer: Closed
Consumer complaint received 2015-05-16
Company: Trident Asset Management, L.L.C.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Now XXXX have I disputed these XXXX accounts ... I was the victim of identity theft and I have submitted the police report and decision letter by the Social Security Administration issuing me a new social security number to both XXXX and Trident Asset Mgmt. I 've exhausted Over 2 months with disputing these XXXX inaccurate records and they still have n't deleted the XXXX accounts from my credit report. I have provided all required by FCRA to show proof of identity theft from which I suffered. They have also blatantly lied to XXXX XXXX or XXXX has conceded without proper investigation into the inaccuracy of these accounts XXXX and reported that I had never directly communicated with them, and even ... that they had no contact information for me. I can provide mail from Trident Asset Management that verifies contact initiated by me and their response. Now this company is feigning lack of contact information for me. Their conduct is a direct violation of the FCRA and at this point I 've suffered irreparable harm as a direct result from the XXXX accounts remaining on my credit report. They have even defrauded CFPB by reporting that they had no contact information for me ... and further, that I had n't communicated with them directly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-06
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 writing to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) committed by the three ( 3 ) parties listed below : XXXX  XXXX. XXXX XXXX XXXX, GA XXXX XXXX  XXXX. XXXX  XXXX XXXX, TX XXXX Transunion LLC XXXX. XXXX XXXX  XXXX, PA XXXX After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) committed by the three ( 3 ) parties listed below : XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX  XXXX. XXXX  XXXX XXXX, TX XXXX Transunion LLC XXXX. XXXX XXXX  XXXX, PA XXXX After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.

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 2021-10-29
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters since XX/XX/2021 with regards to my request of removing the items in question and my last request was sent XX/XX/2021. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: SYNCHRONY FINANCIAL
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:
This complaint is a formal notice that you are reporting Late Payments that are Billing Errors pursuant to 15 U.S. Code 1666 ( b ).

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 2020-04-06
Company: Experian Information Solutions 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 writing to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) committed by the three ( 3 ) parties listed below : XXXX  XXXX. XXXX XXXX XXXX, GA XXXX Experian XXXX. XXXX  XXXX XXXX, TX XXXX XXXX   XXXX XXXX. XXXX XXXX  XXXX, PA XXXX After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) committed by the three ( 3 ) parties listed below : XXXX  XXXX. XXXX XXXX XXXX, GA XXXX Experian XXXX. XXXX  XXXX XXXX, TX XXXX XXXX  XXXX XXXX. XXXX XXXX  XXXX, PA XXXX After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.

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 2022-09-13
Company: Google Compare Credit Cards Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Google Pay lost my balance. I was trying to transfer money out and now it's gone. 

I logged in to try to transfer money out. There's no way to do that apparent in the web app ( they probably moved it to the mobile app only, google loves doing XXXX like that to " nudge '' you into doing what they want. What's a forceful nudge called again? ). There is, however, an option to close the account. That flow obviously would lead to " you have a balance where shall we send the check '' Nope. It just dumped me on a support page. The help page says in order to transfer money out I have to reactivate the account and download the mobile app. 
Doing so just opens a new, empty account. Balance is currently missing. 

When contacted, their support refuses to acknowledge that funds are missing, refuses to acknowledge that something might have gone wrong, refuses to escalate ( I asked five times ). 

After five requests maybe a supervisor will get back to me. I requested confirmation that the case would shift to email but they couldn't or wouldn't provide that. They ( Google Pay ) shouldn't be allowed to operate a payment service. They're clearly not trustworthy enough to do good faith accounting. They clearly can not staff adequately to research or resolve problems. You kinda have to do that if you're taking deposits. 

I have zero confidence that they're operating in good faith. 
I have zero expectation that my balance will ever be recovered.

Company response to consumer: Closed with explanation