BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-02
Company: PNC Bank N.A.
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage servicer, PNC Mortgage, sent me a series of letters notifying me that my flood insurance coverage was inadequate. Dating back to XX/XX/2015, I have called PNC XXXX times to straighten this issue out. I have had my agent, XXXX, arrange to send flood declaration pages at least XXXX times, ( dating back to XXXX XXXX, 2015 ) showing adequate coverage, which must be at least as much as my home owner 's coverage ( see attached documentation ). During the XXXX phone call ( XX/XX/2015 ), I was assured the problem would be taken care of and, I was promised a return call to let me know that the issue was resolved. I did n't receive a phone call, and instead on XXXX XXXX, PNC charged me {$140.00} for gap insurance that I do n't need. The only notification I received was a copy of the force-place policy in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: PNC Bank N.A.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
PNC pulled another stunt today on XX/XX/2016. 
They tried to put some outstanding checks through before my direct deposit went through. 
The direct deposit was in the account at XXXX on XX/XX/2016, it was for {$570.00}. 
They charged me XXXX overdraft fees of {$36.00} each!! 
I had a positive balance at XXXX on XX/XX/XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX, XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-15
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I filed bankruptcy in 2016, but did not include my home mortgage. I have continued to make all of the payments on time for more than a year now, but noticed that my credit score has not increased. I called the mortgage company to ask if they were reporting my monthly payments, and was informed that they are not. I was told that unless I call the bankruptcy attorney and have them submit a reaffirmation letter, that they will not report my payment information. I explained to them that I really needed it reported so that my credit score will increase, but they refused. I then contacted the attorney and told her what the mortgage company said. She advised me that I did NOT have to complete a reaffirmation, and that the company was just being difficult. She advised that I call the credit bureaus and have them assist me in persuading the mortgage company to report my monthly ( timely ) payments. I called Consumerfinance.com and was advised to submit a complaint if the mortgage company was not willing to report. I called the mortgage company and asked, once again, if they would report, and was again told no. He said that the reason was because at one time, the company had an issue where one party on the loan wanted the info reported, but the other did not. I explained that this can not possibly happen in my case because my previous wife had XXXX XXXX, so there would be no one who could possibly complain should they report my payments to the credit bureaus. Again, he refused.

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 2022-04-22
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, the item listed below has violated my rights. 

INQUIRIES : -XXXX  XX/XX/2021 -XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 -XXXX  XX/XX/2021 -XXXX  XX/XX/2021 -XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 -XXXX XXXXXXXX XX/XX/2021 XXXX XX/XX/2021 -XXXX XX/XX/2021 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 XXXX XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX XXXX  XXXX XXXX XXXX  XXXX 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 2022-08-04
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX XXXX called my husbands work looking for me. They told him that there was a warrant for my arrest that had been served at our old house in Alabama. They said I was being sued for credit card fraud. We called them back on three way and the lady that answered the phone was XXXX. She told me the same thing and that I had made recent purchases and payments on this credit card. The debt on this credit card is XXXX XXXX XXXX and is time barred in the state of Alabama. I did not make the purchases on the credit card in question although it was in my name. I was already sued for this debt approximately 10 years ago and it was thrown out of court when I counter sued for violations of the Fair Debt Collection Practices Act. The original debtor is Barclay Bank.

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 2017-02-07
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Experian refuses to correct inaccurate information dispute court documentation

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 2022-04-22
Company: VIRTUOSO SOURCING GROUP, LLC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This letter is in reference to refusing to cancel my service. In XX/XX/2021 I cancelled my service due to over debting my checking account on several occasions. I have spoke with several people starting with the XXXX name XXXX out of XXXX, XXXX  that sold me the system. XXXX employees are committing fraud and trying to extort money from me. I believe a woman by the name XXXX XXXX, XXXX, XXXX friends and family that work for XXXX and is behind this. These are people called XXXX XXXX XXXX Please see attachments. 
I do not owe XXXX any money and would like to request for the XXXX time to please stop sending me bills and cancel this service. I would appreciate your immediate attention. I can be reached at ( XXXX ) XXXX. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Furniture ordered from XXXX fall XXXX Damaged furniture delivered/first identified to us by the deliverer Photos of damage sent to XXXX by the deliverer and this consumer XX/XX/XXXX XXXX promised to replace or refund XXXX did not, and a report of the circumstances, including photos were sent to XXXX so that XXXX could determine if a refund was valid XXXX supported the merchant, and said the merchant informed them the product would be delivered. 
XXXX re-delivered the same damaged item XX/XX/XXXX. It had been sitting in the deliverers warehouse since XXXX according to the deliverer, XXXX XXXX 
Again, XXXX sent photos of the damage to XXXX. 
Now, XXXX is requesting damage proof from us. 
Now, XXXX will be receiving payments from us for merchandise never received. 
This company, XXXX, seems to have a history of this business method of operation. There are consumer complaints from other XXXX clients about XXXX on-line.

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 2022-04-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was charged over the limit fees, because my deposit s was held

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 2016-11-01
Company: AFNI INC.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have sent XXXX certified letters to the company requesting more information and they have chosen to ignore my communications and also to not put disputed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: EQUIFAX, 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:
I have sent in my dispute letters over 60 days ago on XX/XX/2021. I havent received any correspondence about an investigation. I understand the credit bureaus have 30 days to Let me know that there will be an investigation. After that they have 15 days to do investigation And since covid-19 they have an extra 15 days. Its been over 60 days and I havent received any notice about an investigation. I would like all accounts on my report deleted not disputed and not up for investigation. Thanking you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
On, XX/XX/XXXX, I discovered a account on my credit report that had two late payments, I was never late on payments on the following account named XXXX, On XX/XX/XXXX, I submitted the Letter to remove lates to the credit bureaus, the late payment under XXXX with the date of XX/XX/XXXX, and XX/XX/XXXX for XXXX and Experian, needs to be update since I was never late on the account, so I need that information to be update

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 2016-03-30
Company: PNC Bank N.A.
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Hi my name is XXXX XXXX and I 'm contacting you concerning my PNC car loan for 2008 XXXX i paid the balance off which came from my XXXX which was XXXX in a check form which did clear my bank cause the first two times the numbers we 're entered inccorectly so i sent a check but they still has i owe them so i want this cleared up i have never been late on any payments until 3 months ago and always paid a little more then i fell behind and they meaning PNC had no compassion so went into my XXXX and paid it off now want my full credit

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: American Credit Resolution, Incorporated
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Voice mail left using pseudo legal terms to imply that they are taking legal action. ( image of voice mail transcript attached. ) Also claiming to send a " courier '' to my place of employment clearly as a threat to cause embarrassment. 

The left the voice mail on my cellular phone without having permission to contact me via cell. 

I called them back and they refused to provide any information regarding this " debt. ''

Company response to consumer: Closed
Consumer complaint received 2016-07-14
Company: LPSG
State: HI
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Left messages on my phone and my dads stating that I had a complaint filed against me and that legal action would be taken against me. When I returned the call they would not send me proof of the debt said that I had to pay or further action would be taken. Wanted my current addresses and account information. Placed my on hold several times while they made " arrangements '' with the credit card company.. I do n't believe this company is a legimate debt collector and that they are a scam. They are where calling about a card that was closed out 10yrs ago.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed the following several accounts with Experian as the accounts are too old to be on my file and I am with my rights according to FCRA to ask for the deletion of the several outdated accounts. Experian indicated that they verified the accounts however verification of the accounts has nothing to do with outdated information and requesting for Experian to removed the outdated information from my credit report. 
XXXX XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX Status : Account charged off. 
XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX Status : Account charged off. 
XXXX Account Number : XXXX .... 
Date Opened : XXXX Status : Account charged off. 
XXXX Account Number : XXXX .... 
Date Opened : XXXX Status : Account charged off. 
XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX Status : Transferred, closed. 
STUDENT LOAN XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX Status : Transferred, closed. 
Account Number : XXXX .... 
Date Opened : XXXX Status : Transferred, closed.

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 2022-10-24
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I have to used my comenity XXXX XXXX card in almost a year every fee months my card is being charged and assure fees are being added to purchases I did not make. I am opted to receive billing notifications but I havent reciprocated any of them and I keep getting late fees for purchases I did not make. Every month they double. I have called about this issue before and all the charges were disputed and I still had to pay a fee for something I did not use.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Since XX/XX/2021, I have been receiving phone calls from Portfolio Recovery from three different local phone numbers stating that I owed nearly {$3500.00} on a credit card loan that I did not authorized. The most frequent telephone number they called from is XXXX. On today and within the last XXXX months, I have received calls from XXXX and XXXX. The loan does not have my correct legal name listed, and I was in the process of a divorce when the company stated the loan was authorized. I was also not in the state at the time the loan was requested and approved. I have spoken with multiple representatives at the company, including submitting an investigation on the loan, and I also sent them copies of my legal information to show that I did not authorize the loan. To date, I am still receiving unwanted calls, and the balance was supposed to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: KEYCORP
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Key Bank collector agency, Has refuse to Accept, My requests to stop collection due to the COVID-19 Pandemic executive order.

Myself I had take the time to email them I had take the time to mail document to the Main office in Ohio. They had not done anything to help me from collection then never follow the executive order. According to The collection agency Key Bank they don't follow order. 

This communication between they debt collector In my private telephone line it need to be stopped immediately.. They collect the agency has not stop trying to collect

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I do not recognize these inquiries as shown on my TransUnion report. 

1. XXXX XXXX inquired XXXX XXXX 2. XXXX inquired XX/XX/2022 3XXXX inquired XX/XX/2022 4. XXXX XXXX XXXX inquired XX/XX/2022 5. XXXX XXXX inquired 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 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the TransUnion Credit Bureau XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. 
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 non-monetary relief
Consumer complaint received 2022-04-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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 602A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX XXXX Has violated my rights. 

*XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any 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