BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-23
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX, I applied for a Loan Modification with PNC Bank to refinance a PNC Bank loan ( XXXX mortgage for {$44000.00} ) that came due with a balloon payment. The monthly payment was $ XXXX and the loan was current in good standing secured by my real property. PNC Bank took an unprecedented 5 months to process this refinancing loan ( due to deficiencies in their operations losing/tracking my submitted loan documents ) and never to this day ( after 7 months! ) has provided a single document conveying loan term disclosures in violation of the Truth In Lending Act. PNC Bank approved the loan demanding XXXX trial payments of $ XXXX ( {$3100.00} total ). Yet, I have no information on how these payments get applied to the loan balance or what are the basic loan terms. I have been banking with PNC Bank for some XXXX years and why trial payments would even be necessary is a mystery. My primary mortgage is with PNC Bank, $ XXXX, this loan is current and has an excellent payment history. After the XXXX trial payment, I was informed ( informally via an email message ) that 90 % of the trial payments went to interest and only 10 % to principal this is a rip-off predatory practice. Had I received proper loan disclosures, I would have shopped for this loan at other banks ( my credit score is in the XXXX ). To make matters even worse, they reported payments I made in accordance with their payment schedule, as late to credit reporting agencies, when in reality, they were on-time and the delays of processing this loan was due to their dysfunctional business operations. For example, the payment due XX/XX/XXXX was paid on XX/XX/XXXX and the payment due on XX/XX/XXXX was paid on XX/XX/XXXX ; both were reported as late to credit reporting agencies. The XXXX, XXXX, payment was also reported as late, but no payment was defined because the loan took them 5 months to process and should not be reported late due to their operational failures. I have reached out to PNC Bank to try and resolve this matter with XXXX XXXX XXXX ( PNC Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( Office ), XXXX ( Toll Free Office ), XXXX ( Fax ), XXXX ). Supposedly, they are working on the credit reporting correction, but I have seen no results and nothing has been done to resolve the lack of loan disclosure and predatory payments where the bank kept 90 % of the mysterious trial payments as interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
An account that does not belong to me at all randomly showed up on my credit report. I have no connections with this bank nor creditor. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6200.00} Date Opened XX/XX/2022 That account is not mine nor does it belong to me it is a result of identity theft so please remove it.

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 2022-08-19
Company: Experian Information Solutions Inc.
State: CA
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:
Upon investigating my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable item/account/information below : XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/2018 Balance : {$2700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 


TransUnion Name : XXXX XXXX XXXX, XXXX, ANTHO EMPLOYER : XXXX XXXX XX/XX/XXXX Inquiries : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX Collection : XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$150000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$280000.00} XXXX XXXXXXXX Balance Owed : {$830.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$24000.00} XXXX XXXXXXXX Balance Owed : {$4700.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$9100.00} XXXX XXXXXXXX Balance Owed : {$22000.00} XXXX XXXX Balance Owed : {$3000.00} XXXX  NAME : XXXX XXXX XXXX XXXX EMPLOYER : XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX, XXXX  XX/XX/XXXX Inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$150000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$280000.00} XXXX XXXXXXXX Balance Owed : {$830.00} XXXX XXXX  XXXX XXXX Balance Owed : {$24000.00} XXXX XXXXXXXX Balance Owed : {$4700.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$220.00} XXXX XXXX XXXX Balance Owed : {$130.00} XXXX  XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$9100.00} XXXX  XXXX Balance Owed : {$22000.00} XXXX XXXX Balance Owed : {$3000.00} XXXX Employer : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquiries : XXXX  XX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Collection : XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$150000.00} XXXX XXXX XXXX XXXX Balance Owed : {$280000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$24000.00XXXX XXXX XXXX Balance Owed : {$4700.00} XXXX XXXX XXXX XXXX Balance Owed : {$9100.00}

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 non-monetary relief
Consumer complaint received 2022-06-21
Company: FORD MOTOR CREDIT CO.
State: CA
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 fair credit reporting account Ford Motor Credit XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD
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 have NEVER had an account with XXXX XXXX XXXX  but they keep reporting on my credit. I have called them and they have confirmed that there is no existing account. They told me to have it removed, dispute with the credit bureaus because their agents don't know how to remove it. The credit bureaus remove it them later, they put it right back with duplicates on my credit.

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 2022-08-19
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: United PanAm Financial Corp.
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:
As of XXXX XXXX XXXX XXXX XXXX XXXX keeps reporting information on my consumer credit report such as {$16000.00} without my consent. I, XXXX XXXX have a right to privacy if you are disclosing a right to privacy if you are disclosing ( NPI ) nonpublic personal information to nonaffiliated third parties, and that disclosure does not fall within any exception required by the Fair Credit Reporting Act.The Gramm-Leach-Bliley Act 's notice and opt out provisions are in addition to the obligations imposed by the Fair Credit Reporting Act ( FCRA ) .If the FCRA currently requires that you make clear and conspicuous disclsures to your consumers regarding your sharing of certain information ( such as consumer report and application information ) with your affiliates, you must continue to do so.The GLB Act requires these disclosures to be made as part of any privacy policy you give to your consumers.The Federal Trade Commission ( FTC ) , the federal banking agencies, other federal regulatory authorities, and state insurance authorities enforce the GLB Act.Each agency has issued substantially similiar rules implementing GLB 's privacy provisions.The FTC has jurisdiction over any financial institution or other person not regulated by other government agencies.The FTC may bring enforcement actions for violations of the privacy rule.The FTC can bring actions to enforce privacy rule in federal district court, where it may seek the full scope of injunctive and ancillary equitable relief.The FTC Act also has authority to examine privacy policies and practices for deception and unfairness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: EQUIFAX, INC.
State: MO
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 received an email from XXXX stating that my credit limit has been reduced due to my payment being late and I had a past due balance. I scheduled my payment on XX/XX/XXXX to be drafted on XX/XX/XXXX. I received a confirmation email after I scheduled my payment which Ive attached to this message. I called customer service and spoke with a young lady by the name of XXXX. She advised me that she could see that I had scheduled a payment on XXXX to draft on XX/XX/XXXX and she was sure as to why they never drafted the payment. She also advised me that this missed payment has affected my credit. I advised her that I had a confirmation emailing stating that I scheduled my payment as I do every single month. She then said she would put in a complaint to fix the issue and update the system, however it would take 1-2 billing cycles to fix. I advised her that was unacceptable as I was in the middle of refinancing my home. She told me there was nothing they could do about it. I asked to speak to a manager. She then transferred me to XXXX who immediately came on the line rude and uninterested in my issue. He immediately began ranting about what XXXX had already told me and said there was nothing he could do. He interrupted me each time I tried to speak. I also advised him that waiting 1-2 months to update my credit report was unacceptable as I was in the process of refinancing my home. He again said there was nothing he could do but to put my request in the system. I then asked him how is it that your company can make a mistake and if affect me and not you. He seemed irritated that he even had to take my call. I would like my credit report updated IMMEDIATELY and any fees removed from my account. They should not be allowed to treat customers this way. They mess up and there arent any repercussions and the customer is the one who pays the cost. Its RIDICULOUS! I also would like someone over XXXX to reach out to me in regards to his behavior! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I feel like im being taken advantage of and being ignored of my disputes. I am not receiving adequate valid verification. I have not received any documentation to corroborate the claim for this negative listing on my Chexsystems report. I am asking to be provided with any and all documents bearing my signature that legally binds and contractual obligation for this account. Absent of these documents you are illegally reporting this negative listing and will be liable to me for the stress this has caused me. Please provide the required documentation or remove this unlawful listing at once. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-08-19
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a legit check from XXXX XXXX  and chase froze my entire account because they refused to verify check, this cause a stop in all transactions and the account to go negative it cost me several transactions. They had to right to say the check is fraud when it is a legit check, when I called to solve the problem the first lady was so rude I was in tears, then I got a manager and she kept apologizing says XXXX XXXX  is closed They can't do anything, I am XXXX  disabled this affected me badly and caused XXXX  XXXX  with XXXX XXXX, I couldn't breath normal for 2 days. All because they were to lazy to verify check and instead froze my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: EQUIFAX, INC.
State: NY
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:
We have been dealing with Equifax for over a month now when we found out that our sons Social security number is tied to someone elses name through them. He can not get a school loan, job or credit card because if they do a identity check through any credit bureau it flags as fraud/comes up that he doesnt exist and that his name is tied to another person. I called the SS office and there is nothing wrong on their end. Our sons number is fine according to their records. Equifax told us that we needed to fax over documentation ( license, SS card, cover letter etc ) to prove his identity and we would hear back in 5-10 days that it was rectified. Weve done that on XX/XX/XXXX and again on XX/XX/XXXX and they claim they never got it and/or their fax machine is broken. So we mailed it on XX/XX/XXXX and they said they never got it. We finally sent it certified mail on XX/XX/XXXX and they received it on XX/XX/XXXX and have records from the post office that they signed for it. They are still saying they didnt get it and that we need to send it again. They claim they have no email or any other way to receive it which I find totally unacceptable as it is XXXX. We have spoken to 12 people ( all overseas at a call center ), 4 supervisors, 2 who have hung up on us and have spent countless hours trying to rectify this for our son. They claim that they deal with an overload of documents and have no idea where they couldve gone 4 times???!!!! We have done EVERYTHING they have asked us to do. He can not do anything and is at their mercy. We do not know what to do next besides reporting them to the XXXX XXXX XXXX attorney general and seeking legal action. No one there knows what is going on and they keep reading from a script are are clueless and unhelpful. We are beyond angry and frustrated and do not know where to go from here. My sons whole financial aspect of life is being held up and affected by Equifax and they are continually giving us the run around. It is totally unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
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:
Previously, I made an investigation about this account with incorrect information and after checking your responses, I recognized that the same account is still incorrect, with a confirmed status. Please correct the account listed below : XXXX XXXX XXXX XXXX XXXX Balance : {$790.00}

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 non-monetary relief
Consumer complaint received 2023-01-18
Company: Consumer Portfolio Services, Inc.
State: IL
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 would like to get these Unauthorized Inquiries off of my XXXX credit report, Please 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 XXXXXXXX, XXXX XXXX 2022 Customer service at XXXX would not help correct my file by deleting the unauthorized inquiries reported to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: ACIMA CREDIT, LLC
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

ACIMA DIGITAL FKA SIMP XXXX XXXXXX/XX/XXXX Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX  CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY

Company response to consumer: Closed with explanation