BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-19
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I XXXX XXXX XXXXXXXX XXXX., was looking earn some extra cash and a company name XXXX XXXX XXXX. So, for me to advertise there logo there willing to pay for both of my vehicles .They sent me check, I waited 3to 4 days to clear at PnC bank in XXXX XXXXXXXX XXXX nj.i spent some monies by second was told check had no funding. So I called the XXXXXXXX XXXX XXXX XXXX XXXX., and was told that no one ever contacted them.if they would 've been contacted, they would 've know the check was fraudulent check and this would not had happen. An P.n.c. bank is charging me for the entire check.why I 'm I responsible when it 's there job to clear the check.i do n't work at the bank.thanks in advance for prompt assistance in this situation. Sincerely XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-21
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
The information dated XX/XX/XXXX, was never included in the investigation from the time frame and the inaccurate dates of XX/XX/XXXX, all monies owed paid in full and were not apart. I feel the investigation was a violation of the fair debt collection practices act section 623 b. This relates to all three credit bureaus. Equifax, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
The information dated XX/XX/XXXX, was never included in the investigation from the time frame and the inaccurate dates of XX/XX/XXXX, all monies owed paid in full and were not apart. I feel the investigation was a violation of the fair debt collection practices act section 623 b. This relates to all three credit bureaus. XXXX, XXXX, Transunion.

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 2019-07-21
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
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:
To whom this may concern : Not too long ago, I obtained a copy of my credit report and was shocked to find a credit inquiry by your company that I do not recall authorizing. I understand that you should not be allowed to put an inquiry on my file unless U have authorized it beforehand. Please have this inquiry removed from my credit file because I believe I did not authorize this inquiry. 

Under the Fair Credit Reporting Act, your action constitutes a violation on my rights, which is illegal and causing severe damage to my credit rating. 

I would appreciate your immediate attention to this matter.Kindly forward me documentation that you have had the inquiry removed. 

Otherwise, please send me proof of such authorization, if you find that I am confused, and you did have my authorization to inquire into my credit report`. 

I thank you in advance for your cooperation and hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: CMRE Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have this notification on my Credit Report as a Negative item ... .That was reported by a Debt collection Agency called CMRE FINANCIAL SERVICES for the amount of {$810.00} I sent them a Debt Validation letter and they never replied with a verifiable signed validation document to proof i owe the debt. Or anything from the original Consumer Contract with my Signature on it I have this Negative report on my XXXX  and XXXX  Credit Report. I have contacted the Credit Bureau by sending them letters to get it removed and they keep replying by saying the debt is accurate without no proof of verifiable signed validation document from the original Consumer Contract with my Signature on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: DISCOVER BANK
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
The beginning of XXXX, I got a call from another card questiong a charge to my account of {$400.00} from XXXX XXXX, MN. I advised them I did not make the charge and to not accept any further charges from XXXX XXXX. 

At that time I called my 4 charge cards and told them NOT to honor any XXXX XXXX XXXX for {$400.00}. They all took my request seriously and did not allow any more charges specifically XXXX XXXX, MN for {$400.00} I called Discover also. XXXX XXXX continued from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, all for {$40000.00}, XX/XX/XXXX & XXXX, XXXX XXXX ), XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX charges for {$400.00} - XX/XX/XXXX XXXX XXXX again {$420.00}. LOOK AT ALL THE CONSEQUTIVE CHARGES MADE ON MY ACCOUNT with 4 on XX/XX/XXXX alone. 

NO ONE PICKED UP ON THIS ABNORMAL BEHAVIOR. I NEVER GOT A CALL QUESTIONING THE VALIDITY OF THE CHARGES!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 was informed that my information was breeched. I was advised that I should get a credit monitoring service. Then I discovered a bills with XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX and XXXX XXXX XXXX that I was not aware of. 

XXXX XXXX XXXX dated XX/XX/2019 {$50.00} XXXX XXXX XXXX dated XX/XX/2019 {$200.00} XXXX XXXX XX/XX/2019 {$500.00} XXXX  XXXX {$59.00} XXXX XXXX XX/XX/2019 {$15.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Select Portfolio Servicing charged my mortgage on XX/XX/2021 $ xxxxxx paid by xxxxx on behalf of xxxxxx who is assisting me with mortgage at xxxxx account xxxx. 
The correct amount should have been {$630.00} because I paid {$380.00} on XX/XX/2021 to total {$1000.00} for XXXX mortgage resulting in an overpayment of {$1000.00} that should have been refunded by Friday XX/XX/2021 due to 10 day processing time for refund. SPS instead applied over payment to next month XX/XX/2021.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: ERC
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: Account information incorrect

Complaint:
Enhanced Recovery Corporation reported new collection account to all 3 credit bureaus with a date of XXXX XXXX 2017 for an XXXX XXXX Account. No one from this company attempted to contact me prior to filing the collection account on my credit report to provide me with notice of the debt or to provide me with an opportunity to dispute the debt. 

1 ) Correspondence requesting verification of debt previously forwarded to XXXX XXXX XXXX. 

2 ) Collection account has been reported as new collection on XXXX XXXX 2017, reporting this as a new collection account which is inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: AES/PHEAA
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I left the XXXX XXXX XXXX in XXXX of 2016 and joined the XXXX immediately thereafter. I could no longer afford to stay in college. I thought by joining the XXXX that my student loans went into a military deferment. My mailing address has never changed. I have never, ever, once received any written correspondence of any kind from FedLoan telling me my student loans payments were due, and had no idea that they were in default until my security clearance review. 

My credit file is being negatively impacted with past due amounts. 

Nor had I ever been advised of income driven repayment plans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: MONEY SOURCE, INC., THE
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage company money source continue to denie my loss migration application I have provided all supporting documentation that is required. I received a call on Monday from the money source and flat out told he is denying my application because he see no point in approving it because I need to make more money. I explained to him I was told by a worker name XXXX to make partial payments of XXXX monthly I have been honoring this agreement to present date. OnXX/XX/XXXX/17 I was notified by payment was return when I called I was told there is nothing I can do and hung up on me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
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 disputed a bankruptcy on my credit reports back in the begging of the year. On XX/XX/XXXX I sent a letter to the XXXX Federal Court ( US Bankruptcy Court ) in regards to how they verify Bankruptcy to the Credit Reporting Agencies ( Experian, XXXX, and XXXX ). I received a letter back from the court on XX/XX/XXXX stating that they do not provide information to credit reporting agencies. On XX/XX/XXXX I sent the letter from the court along with my letter asking them to validate this information with the Bankruptcy court and provide me with copies of any documentation associated with this account bearing my signature. They did not provide the information requested in the time allotted as per Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ).

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 2022-05-04
Company: ENCORE CAPITAL GROUP INC.
State: TX
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 started receiving calls from XXXX XXXX XXXX  few months back [ around XXXX 2021 ]. Initially i thought it was a span call so avoided it. But around some point later when i spoke to they they told me i have a credit card debt for around {$1800.00}. They also added i had multiple purchase from XXXX XXXX. I explained i never opened an account with that bank. Matter of fact never heard of that bank before. Now they sold the debt to Midland Credit Management and they send me a legal notice. I am working with them and they asked me to open a fraud report in FTC and send it to them so that they can take the process further. 

Note : One of the bank representative told me when i had a legal purchase from my debit card in XXXXXXXX XXXX  in XXXX, Texas location they might have enroll me in an their credit card program from XXXX XXXX Bank and send to my then legal address. And someone might have stolen and activate the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: JPMORGAN CHASE & CO.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX I tried to access my checking account information and was in unable to get my information because my address was wrong, I have lived at the same address for 30 years. I went into the branch I have my account with and was told " someone '' had changed my address, the manager corrected my address but said he did n't know how it got changed. I was told by the manager that my address was changed on XX/XX/XXXX, I ask who changed my address he said he did n't know, he proceeded to tell me anyone can change the address on an account with out verification. I checked with another bank I deal with and was to there must be identification to change an address. I then contacted the Consumer Financial Protection. I contacted Chase bank again to find out why the misled me, which was a complete " joke ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: JPMORGAN CHASE & CO.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
This guy made a transaction on XXXX XXXX 2017 from Jpmorgan Chase Bank New York to XXXX in XXXX. The fund available to recipent should be on XXXX XXXX 2017. But till now the money still not credit to the XXXX Account. i checked with this guy he said the money in on hold, due his default. i think he is telling lie. i wonder the consumerfinance are able to help me on this. i have transferred XXXX {$8700.00} from my XXXX XXXX to his provided bank account in XXXX. but he ask for more and threaten me that if i am not helping him again, his account in Jpmorgan Chase Bank will hold his transaction to me. i hope consumerfinance able to help me on this. XXXX {$8700.00} are my saving, i feel XXXX XXXX if i ca n't take back. <P/>i hope to hear from you soon. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21
Company: Experian Information Solutions Inc.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This two accounts still on my report and they shouldn't I have tried to resolve the issue with the bank but nothing has been done. Per FCRA the account are 8 years and months old it's past the 7 year maximum that the account can stay in the my credit files this information needs to be remove by law.

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 2019-09-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My bank XXXX XXXX submitted one of their bank checks # XXXX to Chase Bank in the amount of {$65.00} dated XX/XX/2019. However the check was sent to the wrong Chase account. The Chase account that the check was sent to was a closed Chase credit card account. My bank XXXX XXXX and myself were on a conference call to have the monies refunded. XXXX XXXX  opened a case for this transaction. However Chase Bank admitting that they cashed the check of which I have copies of front and back refuses to refund my money because I do not have an open account with them, although I have a number of other Chase credit cards. I have been on the phone with them a number of times. On XX/XX/2019 I was on the phone with Chase for 30 minutes and was informed that they could not help me and that I had to walk into a local branch where they would be able to resolve the issue. I went to a Chase local branch in XXXX XXXX and sat with a branch manager for over an hour and they refused to refund my money because I did not have an open account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: JPMORGAN CHASE & CO.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
i had a collection for {$860.00} for my Chasee Freedom ( jpmcb ) credit card that went to collections and it was charged off and went to my credit. in XXXX  i got a settlement offer via mail that i can settle it for less the balance for {$87.00}. so i accepted the offer and at the time i was in the process of repairing my credit with a reputable company called XXXX. My advisor from that company then told me to go ahead a accept the offer but at the same time write them a letter saying i would pay in exchange of deletion of my credit basically a pay to delete. the letter also said if they dont agree to the terms of deleting it from my credit for them not to cash my payment which was a money order. and if they did cash it they are agreeing to delete it from my credit. so in XX/XX/2020 i settled it and sent my letter certified. later my credit file was updated paid but the item wasn't removed. i then contacted Chase to see why was it still on my credit for them to inform me that they dont delete from credit and it had to stay on for 7 years. i argued with this company for almost 2 years now from the supervisors, managers and the credit dept and they all refused to delete and it didnt matter that they took my money after i asked not to if they weren't. i've also disputed with the bureaus and this is hindering me from a lot of things im trying to accomplish. i was mislead by them accepting my payment but not per my terms. im just trying to move on in my life and they are stopping me,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 Company account XXXX has violated my rights 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 604 A Section 2, It also states a consumer reporting agency can not furnish a account without my written instruction XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-06-29
Company: UNITED AUTO ACCEPTANCE
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: Account status incorrect

Complaint:
I do not own this debt.This vehicle was stolen   XXXX    2016. P olice Report #  XXXX . The car was never recovered. I filed a loss through my insurance company, which was a paid valid insurance policy. United Auto Acceptan ce ( UAA ) needs  to contact the insurance company to discuss payment of the vehicle balance. I am requesting full valid proof of this debt. Along with the person 's name, position and number who physically validates this debt and as to why United Auto Acceptance refuses to go after the correct owner of this debt. If United Auto Acceptance can not properly and accurately provide with the proof, I request that this debt that I do not owe be removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
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: 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 XXXX  Account # XXXX XXXX. XXXX. XXXX XXXX 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 of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to 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 explanation
Consumer complaint received 2022-05-04
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
XXXX Accounts : XXXX XXXX XXXX : Date Opened- XXXX XXXX, XXXX Account Number : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX : Date Opened : XX/XX/XXXX Account Number : XXXX Equifax Accounts : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX : Date Opened : XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened- XXXX XXXX, XXXX Account Number : XXXX XXXX XXXX XXXX  : Date Opened : XX/XX/XXXX Account Number : XXXX XXXX Accounts : XXXX : Date Opened : XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX : Date Opened : XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account Number : XXXX I am a victim of identity theft. Since these accounts are reported repossessed, paid off, or charged-off it should not still be reporting the 1. Open date, 2. Date of last payment, 3. monthly payment amount, 4. date of last activity, 5. account number

Company response to consumer: Closed with explanation