BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-20
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My score disappeared on both XXXX and Equifax and I have zero negative accounts, its been 6 months of positive history with multiple accounts and still Im unable to get my score as if I have no credit which is hurting my ability to obtain funding. I have called in several times to try and fix this matter in which they promised it would be updated and still I have seen no change.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: PNC Bank N.A.
State: MI
Product: Consumer Loan
Sub-product: Pawn loan
Issue: Lender sold the property

Complaint:
The original loan was for a motorcycle in which, I co-signed for my daughter 's then college boyfriend who we felt needed some help. The bank has now changed several names and different ownership. National City Bank is no longer and back in the XXXX 's not much done electronically, I had a payment booklet and the loan was paid off. At the time I never received a former letter or the title to motorcycle since the bank became defunct. Therefore this new company XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, IL XXXX, XXXX bought these defunct pay loans for pennies on the dollar trying to collect on bad/ written off or closed loans. I was contacted in XXXX 2015 stating I owed thousands of dollars from this company. Needless to say I was strong armed into thinking I did and I agreed to much lower amount and paid them {$800.00}! I made XXXX payment of {$200.00} dollars each via check. I have filed a local police report with my local police department and in process XXXX, where I live, XXXX, and then I am doing the same process in the state XXXX where this company is located. Therefore once they received the last payment I was promised my title and end of loan paperwork. When called again the person is conveniently unavailable and when called by the police he was hung up on as well. I will be uploading my paperwork as requested from this so called company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: PNC Bank N.A.
State: DC
Product: Credit card
Issue: APR or interest rate

Complaint:
As a way to improve my credit score, I signed up for a PNC credit card. I already had a bank account with them and they had been sending me offers through the mail. The idea behind this was to both raise my credit ceiling, improve my debt-to-credit ratio and to take advantage of a 1-year 0 % APR offer. I opened the card XX/XX/XXXX. 
But the card they gave me only had a {$1000.00} limit. My total credit card was about {$3000.00}. 
When I received my credit card package, I was first told that I had a 60 day grace period to move balances. So, immediately I moved over {$1000.00}. I paid it down and called back at about the 6-week period. An associate then told me that I actually had until XX/XX/XXXX to move over balances. 
So yesterday ( XX/XX/XXXX ) I called back and they told me it was actually a 90-day period through XXXX XXXX. But that I was still within that window if I wanted to do a transfer. We had gone through the transfer prompts and I had given her the information. Right before we completed the transfer, she told me that since I had just made a {$220.00} payment, she suggested I called back the next day to make sure that that had gone through. 
When I called back today, they told me that I had missed the 90-day period by 5 days and that there was nothing they could do to change it. What I do n't understand is how the woman was able to nearly complete my transaction yesterday, but today nobody had any recollection of it nor could they replicate it or show any record of the interaction at all. 
If you take them for their word, it shows that their phone tellers are absolutely clueless. If you look at it cynically, then it looks like there was an effort to stop me from utilizing the 0 % APR offer to my advantage. 
Unfortunately, I got the reference number for today 's call : XXXX. Yesterday, I had n't foreseen any difficulty.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07
Company: Avid Acceptance, LLC
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I requested the company correct their reporting on my credit report and they responded with a threat to garnish my wages and withdraw the signed payment agreement we currently have that has not been broken by myself in any way. They are now threatening to void the signed contract and force me into other options I can not do. The options they are trying to force me into are as follows 1. sign a new agreement for a higher payment amount that they know I cant afford. 2. Settle the amount in two lump sum payments again they know I cant afford. 3. Threatening me to garnish and they only way to avoid it ( in their own words is to file chapter XXXX bankruptcy which I cant do. They have contacted my employer to ask personal questions about my pay and advise my employer of my debt and their threats. They have also refused to respond to me in regard to the incorrect reporting on my credit.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
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: Reporting company used your report improperly

Complaint:
The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal. 

As well as XXXX  XXXX, XXXX, XXXX  XXXX XXXX XXXX, XXXXXXXX XXXX XXXX US DEPT ED Have violated my rights In accordance with the fair credit reporting act 15USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as a late for any purpose.

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

15USC 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 2022-11-20
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 belongs to someone else

Complaint:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. in addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

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 2022-11-20
Company: Experian Information Solutions Inc.
State: FL
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:
Im reporting Experian XXXX XXXX XXXX, XXXX XXXX, CA XXXX On XXXX XXXX I sent letter to Experian XXXX XXXX XXXX XXXX XXXX, CA XXXX Find attached letter Experian has not reply since then. 

Enclose fin Experian report XXXXXXXX XXXX XXXX XXXX  account, Should be removed on XXXX XXXX 

XXXX XXXX XXXX account, was deleted from XXXX on XXXX, find enclose report Thank you XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-20
Company: Aargon Agency, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone used my name to open a sorage unit account. I was barley legal and had already had previous accounts that were reported as identity theft. This account was not reported because at the time it was not on my credit history. I called the place they told me there would be nothing they can do because it was not reported.

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 2016-10-04
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I began making bi-weekly mortgage payments on XXXX/XXXX/XXXX. I was told that my mortgage would be paid off earlier my making my payments this way. I was thinking that my principal would decrease when I made a payment but did not realize until recently that the principal on my home loan did not decrease until I made the second mortgage payment. For example, on XXXX/XXXX/XXXX, I made a mortgage payment and my principal balance was {$110000.00}. I made another mortgage payment on XXXX/XXXX/XXXX, but my principal remained at {$110000.00}. My principal did not decrease until I made a payment on XXXX/XXXX/XXXX. This pattern continues until XXXX, and still exists. I believe this is an unfair practice and requesting that Wells Fargo be required ( retroactively ) to decrease my principal whenever I make a mortgage payment. 

Payment Payment Principal Date Amount Owed XXXX/XXXX/XXXX {$870.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$100000.00} XXXX/XXXX/XXXX {$430.00} {$100000.00} XXXX/XXXX/XXXX {$430.00} {$100000.00} XXXX/XXXX/XXXX {$430.00} {$100000.00} XXXX/XXXX/XXXX {$430.00} {$100000.00}

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 2022-11-20
Company: EQUIFAX, INC.
State: NY
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:
XXXX XXXX - XXXX This creditor has violated my rights under 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 an account without my written instructions under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: SANTANDER HOLDINGS USA, INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I went to a car dealership in XXXX XXXX XXXX Florida to purchase a vehicle in XXXX XXXX At the time i had no job, was working on and off with XXXX and XXXX ride sharing companies. Unbeknown to me at the time, someone from the dealership made up a fraudulent income on a form and used it to qualify me for the car. The interests was high, and i was told to pay about {$600.00} per month because of the false income they made up. I realized later that it was a regular practice with the dealership and the finance company. This finance company has been sued by at least 34 Attorney Generals in various states for deceptive practices, predatory loans etc. They settled, but continued these fruadulent practices. I sued in Federal Court and it was dismissed sending me to arbitration. I went to arbitration and they turned a blind eye saying that they have no jurisdiction in the matter. I struggled with this predatory loan for 6 years, then could not keep up anymore. So the finance company as usual repossessed the car on XX/XX/2022. 
This is injustice and i as a consumer needs help. Thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: PNC Bank N.A.
State: PA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
PNC sent the issued credit card that I applied for to a wrong address and I never received that credit card. There were XXXX over {$1200.00} fraud charges on the credit card. PNC told me that I am reliable for these fraud charges. 
On XXXX, 2015 I went to the PNC branch located in XXXX XXXX XXXX, XXXX XXXX, PA for XXXX things, ( 1 ) mailing the PIN for my PNC business debit card, ( 2 ) applying a PNC business credit card. About a week later I received the mailed PIN. But there was no any response from PNC about my credit card application. 
Around one month later ( in XXXX, 2015 ), I received a call from PNC when I was at the XXXX 's located in the XXXX, XXXX. A lady from PNC asked me to verify XXXX credit card transactions ( & gt ; {$1200.00} ) on the phone. These transactions were made using the credit card that was issued to me by PNC. I told her that I had n't received the credit card yet, how I could make a payment with it. I reported to her that were fraudulent charges. The lady then verified my address and told me that PNC had sent the credit card to the wrong address. She promised me to close the account and would issue me a new credit card. Meanwhile, she said that PNC would remove these XXXX statements from my credit card account. 
After I received and activated my new credit card, I logged in my online banking account and did see these XXXX fraudulent charges were removed. However I noticed these XXXX fraudulent charges were posted again in my PNC credit card account in XXXX XXXX. I called the customer service hotline right away for a few times. Each time I was given a different story. In my last call, the representative told me that PNC had done with the investigation and PNC had denied those over {$1200.00} charges as fraud charges. 
PNC sent the credit card to a wrong place and I never received it. Why am I reliable for these fraud charges? I enclosed my XXXX evidences of my address, XXXX is the envelope in which PNC sent PIN code in XXXX XXXX 2015. The other is the address of my business that printed out from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: J J Marshall & Associates, Inc
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am still waiting on JJ Marshall to send me proof of this debt ( a debt breakdown for the balance that they are stating that I owe ) and I need to see proof of my signature. I also would like JJ Marshall to send me proof that I am obligated to pay them for this debt that they are stating that I owe. To date, I have not received any of these items. I do not owe any money to JJ Marshall or any other company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : 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 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
Consumer complaint received 2022-11-20
Company: Mandarich Law Group, LLP
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XXXX XXXX I noticed an amount of {$320.00} that was garnished from my paychecks. Regarding an Earnings withholding order from XXXX XXXX. I was unaware of this credit card being opened under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Ref : CFPB Complaint # XXXX I believe that Wells Fargo Home Mortgage engaged a dishonest and unscrupulous marketing tactic meant to drive business in which I am a victim of their offer of an exceedingly low mortgage rate meant to attract customers know full well that the teaser rate ( the " bait '' ) was not available. XXXX the loan process was well underway and WFHM knew that after my considerable investment of time and finances with the imminent danger of surrendering a large sum of money if I backed out of the deal, WFHM proceeded to offer the higher rate ( the " switch '' ), thus earning greater commission. I believe WFHM delayed submitting my application for {$10000.00}. down payment assisitance from XXXX, which was consequently denied because the amount of the loan would be significantly lowered, thus WFHM would earn a lesser commission. When I consider the fact that Wells Fargo Bank has a history with the XXXX involving racial discrimination, my experience navigating through unreasonable obstacles that seemingly were meant to deny the loan, after consulting with White customers who have done business WFHM, and being included as a " Class Member '' of XXXX separate court actions against Wells Fargo Bank which were, to the best of my understanding ; each brought forward by XXXX complaintant, I think there is reason to believe that I have been a victim of racial discrimination by Wells Fargo Bank. I believe the figures contained in the Settlement Statements are deceptive and have been fixed to scam and overcharge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: Payfare International Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I currently work with XXXX XXXX XXXX XXXX. On the XXXX of XXXX i finished my XXXX XXXX XXXX XXXXXXXX. Went to a gas station and bought gas. My balance from that was : XXXX XXXX XXXX At this point my account did not reflect the difference of XXXX I continued to work and ended with an additional + XXXX I also added XXXX from my attached savings account. 
So at the end of this session i should have had XXXX + what was already in my account. 

I sent XXXX which brings my new balance to XXXX But at this time i had a balance of XXXX Which was in there already. 
The XXXX was processed the next day But still that doesnt reflect the difference in the initial deposit minus the gas purchase, with the additional dashes theres still a difference. 

I spoke with XXXX  that night they said they see missing funds on their end call back tomorrow. 
No this is this XXXX i called back she says there still processing it try back tomorrow. 
Now the XXXX i call back and speak with a gentleman that went thru the transactions from that XXXX till now and it was his determination that XXXX was missing. 

He transfered me to payfare which is XXXX payment processor. 
The 1st woman i spoke with tried to only address todays activity on my statements. Soon she put me on a hold and the phone magically disconnected. 
Ok just my luck i attempted to call back got in touch with a new gentleman that slightly went thru the statements and told me that i was XXXX fault call them back and get your money. 
I aske to speak with a senior customer service representative and he proceeded to overtalk me and hung up the phone... 

This complaint arrouse from payfares and or XXXX negligence to actively locate my funds. Someone is playing games but im XXXX this type of activity is illegal.

Company response to consumer: Closed with explanation