BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-27
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
BBVA was bought by PNC No access to phones, lobby full.

Auto bill pay sometimes works, debit card not always accepted. Deposits not credited. 
Since XX/XX/2021 Tried calling and stopping by. I cant waste any more time with these issues

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I fell behind on my mortgage. I started a loan modification with to try to get the situation straight. The mortgage company slow played the process dragging it out ove r nine months and to the point where they said they could no longer help me. I was referred to another organization for help that in turn could not therefore dragging it out even longer.The communication between myself and this company has been nil an d although I was issued a rep ( point of contact ) to handle this case, I have never been able to speak to this person. After all of this, my attorney has faxed  a 3rd party request to this company four time  since  XXXX   XXXX ,    2017  and has even emailed it to supervisor  XXXX   XXXX . As of today,  XXXX   XXXX ,  2017  he still does not have access to my account. On  XXXX   XXXX ,  2017 , the company did receive a faxed loan modification application and still a single point of contact has not been assigned. I just want to try and keep my home and due to this company 's incompetence and lack of communication I am filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: Experian Information Solutions Inc.
State: MS
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 dearly ask experian about account on my credit report. This account states it is close/charge off. But while I ask them to investigate and send me info on this account, the account continue to report higher balances, different open dates, and numerous inaccuracies on dates/payments amounts.

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 2022-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I XXXX XXXX am a victim of identity theft and fraud. TRANSUNION IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3rd ATTEMPT WRITING TRANSUNION ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

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 2021-10-27
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Our small business checking account through BBVA was acquired by PNC. PNC refuses access to online statements prior to XX/XX/21. The nearest branch stated that statements can be mailed for a fee of {$15.00} per statement and that online access to statements from BBVA are no longer available.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
EQUIFAX IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3RD ATTEMPT WRITING EQUIFAX ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
When we refinanced our home in  2016  to a conventional loan we were told that when we reach 20 % of equity we were going to be able to remove the PMI. When I called to inquire because the PMI continues to show after we reach the 20 % they told me I need to either get another appraisal and request the removal ( which is about {$450.00} for the appraisal ) or wait until the automatic removal when I reach 22 % of equity. Basically I have to pay for the PMI for anoth er five months, w hich anyway is cheaper than paying for another appraisal.

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 2017-06-16
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
this vehical was traded paid off by finance company this information is incorrect.

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 2017-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
this vehical was traded paid off by finance company this information is incorrect.

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 2021-10-27
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: Information belongs to someone else

Complaint:
Hello, and to whom it may concern, I've having ongoing issues with XXXX. I've tried multiple times to point out to them that they are reporting false and inaccurate information on my credit report. It's been 30+ days now and they have yet to respond to my dispute letter. XXXX are violating my consumer rights. I've pointed this out to them and they just don't seem to care and they are not taking me serious at all. Credit bureaus are supposed to be reporting 100 % ACCURATE INFORMATION as well as doing everything that they can to ensure that the information appearing on one 's report is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Upon noticing a drastic drop in my credit score of XXXX points all at once I pulled my credit reports and found 2 Unauthorized Hard Inquiries added by Capital One on two separate dates ( XX/XX/2022, XX/XX/2022 ) The fraudulent imposter failed to include my correct address, Instead he used a mix of my current address and one of my past addresses that together results in an address that I have never been associated with at all never received mail nor lived there. 
The Fraudulent Imposter used My name and possibly my social security number in attempt to obtain Credit from the below mentioned lender. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX Requested On XX/XX/2022 Phone ( XXXX ) XXXX This operatic fraudulent action has negatively affected my credit score after many years of carefully tending to it and improving it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-16
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
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:
Went through  XXXX    XXXX   XXXX   which made an agreement with  On Main fi nancial in the amount of  XXXX  through the law office which was representing  one  main. Payment made for the first  XXXX  and then the second payment of  XXXX  was made on  XXXX  over the phone to the law office from  XXXX   XXXX . I have the receipt with transaction number. I was not aware this was not cleared till 15 months later when I received a letter from  one main telling me I was delinquent. I have spoken to many individuals at one main who keep telling me they are working on it and have not resolved receiving the p ayment from the law office. They keep telling me they are trying to resolve it but meanwhile this still is sitting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Elevate Recoveries, LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Truthfully, I wasnt sure which box to check because this company has stooped to almost every single one of them.

1 ) They have communicated after my asking them to stop via verified letter.

2 ) They have made false statements and misrepresented themselves 3 ) They sent a letter to my parents address thus improperly sharing my information 4 ) They have attempted to collect a debt not owed as I have no record of this bill and they said that they had closed the account due to an inability to verify it I submitted a complaint against XXXX for the same matter earlier this week. While their response was satisfactory, it is clear that it was not true as I continue to be contacted by Elevate Collections for the same alleged debt that XXXX attempted to collect and then subsequently discharged according to their response to CFPB complaint number XXXX. 

XXXX initially mailed a statement to my parent 's address in XX/XX/XXXX. When asked, the representative at Elevate said that they mailed a letter on the same date as XXXX despite me having no record of a second separate letter. Upon hearing this, I realized that Elevate and XXXX must be part of the same group and that he was talking about the same letter, but your representative assured me that that is not the case and that he has never heard of XXXX. When pressed further, your representative said that the debt no longer belonged to the original medical group he had initially said that it did and that XXXX XXXX XXXX XXXX was the new owner of the debt. On XX/XX/XXXX, I called XXXX myself and asked the representative what their relationship to XXXX and Elevate was. She candidly said " Oh- that's us! We're all the same! '' Knowing this, it is clear that XXXX XXXX, Elevate, and XXXX are all engaging in deceitful and fraudulent collections practices. XXXX assured me that the debt had been written off as of XX/XX/XXXX and that they would no longer contact me in large part because they could not produce sufficient proof to verify the debt, but it is clear that XXXX XXXX/Elevate have resumed their contact albeit under a different name and that they have escalated to lying about their practices. Should these deceitful tactics continue, I will have no choice but to escalate the issue further.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXX has caused damages by not removing false incorrect information of Billing Errors I've asked them to Keep accounts and remove negative and false information they refuse even though i have sent in proof as well as refuse to send the proper tax forms and other request as well as payment received for I, the Consumer account to be properly credit and balanced This is on going three years now, please see attachments all Sent Certified Mail and Next Day Air

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 2018-06-26
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The following credit inquiries listed on my Experian credit report are fraudulent and not mine : XXXX XXXX XXXX XXXX, XX/XX/2018, XXXX XXXX XXXX XXXX, XX/XX/2018

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 2022-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XX/XX/2022, I sent XXXX a letter disputing the validity of the bankruptcies they are reporting on my credit report. They never responded back to me and updated the bankruptcies as " verified and accurate ''. I then went back to XXXX on XX/XX/2022, showed them the deleted bankruptcies from XXXX XXXX informing them that if they could not reveal how they truly verified this item then it needs to be deleted from my according to the FCRA. They have once again refused to delete these items which is imploding on my ability to purchase a home and causing me to pay thousands more in interest every year. XX/XX/2022 XXXX just updated there report and say the Items will remain due to being verified and accurate. Even though they are still saying they are verifying this from XXXX XXXX and with me sending them proof its unverifiable and it was deleted from XXXX XXXX report. These items needs to be deleted from my credit report if it can not be verified within 30 days

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 2022-03-30
Company: SYNCHRONY FINANCIAL
State: GA
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 XX/XX/XXXX a fraudulent inquiry was placed on my XXXX report. I contacted the bank Synchrony and XXXX to have it removed. I filed a FTC report and mailed letter twice to XXXX with info they requested. I also have called synchrony 3 times each time they tell me they are or have sent information to XXXX to have it removed. To this date XX/XX/XXXX its still on my report. Pleas help me get this removed. Thanks

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 2021-10-27
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Hello, and to whom it may concern, I've having ongoing issues with Experian. I've tried multiple times to point out to them that they are reporting false and inaccurate information on my credit report. It's been 30+ days now and they have yet to respond to my dispute letter. Experian are violating my consumer rights. I've pointed this out to them and they just don't seem to care and they are not taking me serious at all. Credit bureaus are supposed to be reporting 100 % ACCURATE INFORMATION as well as doing everything that they can to ensure that the information appearing on one 's report is accurate.

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 2022-09-10
Company: Creditors Bureau Associates
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 information incorrect

Complaint:
I sent a letter to XXXX, XXXX, and XXXX disputing items on my report that need to be removed. I asked for them to update my personal information ( name, address, job, and no phone number ). I asked for the original contract ( my wet signature on it ), creditor information ( name, address, and phone of the original owner ), payment history and itemized billing of the account, and proof of ownership ( proof of authorization of ownership ) for other items listed on my report. I asked for a copy of my updated credit report. I have not received any of this information from anyone. I have not even received an update copy of my report. I would like for you to look into what is going on with my credit report. I sent the letters XX/XX/2022 and now, it is XX/XX/2022. I still have not heard anything from the credit bureaus. There is at least one that is reported on my credit report twice. The information is also different on each report. There is one derogatory mark on XXXX, XXXX on XXXX, and XXXX on XXXX. The companies names are Creditor Bureau Associate, and XXXXXXXX XXXX XXXXXXXX. I have never received any bills from these companies nor have I ever heard of any of these companies. XXXX 's Account # XXXX, and XXXX. There are no account numbers for XXXX or XXXX for the XXXX XXXX XXXXXXXX or Creditor Bureau Associate accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: BMW Financial Services NA, LLC
State: NC
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: Problem with personal statement of dispute

Complaint:
In   XXXX   XXXX   XXXX    I ca lle d to make my payment the same way I always do through  BMW 's  automated system. I received no notification whatsoever that the payment was n't processed un til  X/X/17  and ul timately was reported by  BMW to the  credit bureau that my payment was 30 days late. The notification I received  on  XX/XX/XXXX  specific ally addressed my   XX/XX/XXXX   payment, not the   XX/XX/XXXX   payment, however the balance showed  two payment s were due and I immediately called to address this. Upon speaking with the representative, she researched and confirmed that no attempts had been made to notify me and provided me with an address of where I could send a letter to have the 30 day late removed. I was promised this would be corrected. I received a response to my letter advising that no adjustment would be mad e. BMW claims that 5 attempts were made to notify me via email of the late payment. This is an   outright fabrication, as the representative immediately confirmed to me at the time that no such notifications were sent. Again, the only notification I received was  on  XX/XX/XXXX  addressing my XX/XX/XXXX  payment  and at that point the account was already 30 days past due. Furthermore, she confirmed that my expressed preference was to receive notification of any issues with my payment via phone and additionally confirmed that no attempts were made to contact me. I have financ ed   XXXX   differe nt vehicles and have never missed a payment on any of them. This company did not honor the promise that was made to me after their own representative confirmed I was not notified of the error. Addition to their deceitful response, it is completely irresponsible to report a customer to the credit bureau without making A SINGLE ATTEMPT to notify them by phone and rely on emails that could easily end up in a spam folder, despite that their own employees have already verbally acknowledged that this did not take place. Previous complaints ( not through the CFPB ) have gone unresolved, with the creditor stating it is not their responsibility to inform the client that the payment was not received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: VW Credit
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
My loan with VW Credit originated in the State of XXXX. End of XXXX, I moved to XXXX XXXX. Since XXXX I have been trying to get a state transfer to my local County Office that handles auto registration. I spoke with XXXX at VW Credit who stated it was electronic, but he would have this info sent on XX/XX/2021. No info arrived to my Clerk 's office so I then called and spoke with Manager XXXX on XX/XX/2021. 

VW Finance will not send the document I need to transfer my car and get it registered in XXXX.

This is ridiculous, I have already went thru two temporary license tags.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-16
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
Universal Premium Fleetcards / Mastercard   XXXX   UPF auto signs up their clients into programs ( in this case a percentage of our bill going to planting trees ). I have never heard of this program nor did I sign up for it. {$57.00} was charged to our account. They credit it IF you discover it and IF you call in to get them to credit it. However they credit takes 2-3 billing cycles or 30-45 day s. If they have  XXXX  clients they fraudulently sign up, at {$57.00} each, that 's $  XXXX  they control for  XXXX  ... at 1 % interest, they just cleared {$570000.00} for fraudulently charging clients. This ca n't be legal, can it?      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX .    XXXX   XXXX   XXXX  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 monetary relief