BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-23
Company: Continental Finance Company, LLC
State: IN
Product: Credit card
Issue: Arbitration

Complaint:
A supposed law firm called my landlord claiming they 've been trying to reach me for weeks with no luck to serve me papers. My landlord notified me and gave me their number. I called them and this was my experience. I thought it was very strange that a law firm representative would be in at XXXX on a Friday XXXX. I thought I 'd get a recording. 
I heard a lot of background noise and the guy that answered said that he could n't give me specific information. He said he had called my relative, referring to my landlord, because he could n't get a hold of me. I pressed him about what he needed me for and how he tried to get a hold of me and he told me that be needed to put me on hold and transfer me to another " representative '' of the law firm. When I was transferred, the lady that answered told me I had to pay a certain amount by next Friday for a supposedly charged off credit card, otherwise thousands of dollars in fees would be added if it went to court. When I asked if she had documentation she could mail me she said she did n't have to. When I asked her if I could get reference numbers she said I could n't until I got " served ''. When I pressed her on being served she was very vague and said she guessed it had n't happened because of all the bad weather we 've been having and the bad weather headed our way. I got her name, phone number and told her I 'd call back Monday after I verified things. She then tried to scare me into paying tonight by saying I 'd be served at any time for failure to pay. Then she said if I called in Monday and paid, she could hold off on serving me. It scared me though how persistent she was and the fact that they called you all! They 've not been to my house at all. They 've sent me nothing in the mail either. 
I did n't catch the name of the supposed law firm either because he spoke so quickly and I remember it being kind of generic, like initials and then LLC.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: The Affiliated Group, Inc
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This company has failed to send a written notice of the debt. They have contacted me several times and I have made them aware that I have n't received said letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-28
Company: CNG FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
There was a call on my mother 's voicemail from someone named XXXX XXXX threatening to arrest me for a loan that I do not even recall. When I attempted to get some answers regarding this, a young lady got o the line speaking very rudely and loud talking telling me that I did something fraudulently but when I began to question her about where this lawsuit was filed so that I could look it up, she started yelling and then hung up on me. All I could get was that apparently this took place in 2013. Both the young lady I spoke with and XXXX XXXX were verbally abusive and I have gotten no less than 6 calls in the last 15 minutes from XXXX XXXX yelling at me and telling that I need to tell him where to come to " serve me ''. I have had to block the telephone number. His voice message states that I have charges and a claim filed against me but they will not tell me where. Only a file number. I have no idea what they are talking about. This conduct is beyond acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of identity theft and I have several accounts listed on my Equifax credit report that are fraudulent accounts and do not belong to me. The following accounts are inaccurate and do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # : XXXX XXXX XXXX # : XXXX XXXX # : XXXX XXXX XXXX XXXX # : XXXX XXXX # : XXXX of XXXX # : XXXX XXXX # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: Medical-Commercial Audit Inc
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
MCA management company is contacting about a balance from XXXX XXXX. This amount was paid by my insurance XXXX XXXX. The balance they are attempting to collect is the amount that XXXX XXXX discounts for XXXX XXXX being a participating provider. 

I have called ( don't have record of date ) XXXX XXXX when I received the first bill and sent them a letter on XX/XX/2022. After receiving the collection notice from XXXX, I sent an online email on XX/XX/2022 and mailed the same text and documents to them on that date. I have had no response and received another collection notice. 

I have attached all information, including my letters/email sent and the explanation of benefits from XXXX XXXX  showing I do not owe this amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-20
Company: Experian Information Solutions Inc.
State: TX
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:
address wrong:

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ln
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  

accounts not mine XXXX XXXX XXXX
dept of ed/ XXXX  (XXXX) XXXX XXXX XXXX XXXX XXXX XXXX
us department of edu (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 explanation
Consumer complaint received 2020-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Credit Bureaus are allowing Creditors to report inaccurate and unverifiable data, not belonging to me, on my credit file. One in particular ( XXXX XXXX ) has provided information and account information not belonging to me, which could have resulted in identity theft from the reported address and names. Account is not mine. Credit Bureaus and Creditor has Refused to provide me a copy of any original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA-you are required to '' ... promptly DELETE all  information which can not be verified. Credit One is not complying with the FCRA and I demand the items be deleted immediately.

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 2022-09-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is the continuation of the pending complaint. Please add the following request 1. As per the NRS 107.071 statue, Please provide a certified copy of the ORIGINAL PROMISSORY NOTE to prove that Bank of America had orginal promisory note in their possession at ONE POINT IN TIME when Bank of America acquired Countrywide. 

2. What Bank of America has sent me in the past is a photocopy of the photocopy of the promissory note made by XXXX XXXX XXXX XXXX when we signed off our closing on XXXX. This does not serve purpose. The XXXX XXXX XXXX XXXX sent back the orginal promisory note back to Countrywide after closing and made the copy for us where page 1 on the top has a stamp " CERTIFIED TO BE A TRUE AND CORRECT COPY OF THE ORIGINAL " FIRST CENTENNIAL TITLE COMPANY BY : XXXX Please provide a certified copy of the ORIGINAL PROMISSORY NOTE with endorsements as to how NOTE was assigned from Countrwide to Bank of America and from Bank of America to XXXX XXXX XXXX XXXX XXXX XXXX 

If Bank of America fails to comply this specific request about certification of the ORIGINAL PROMISSORY NOTE WITH VALID ENDORSEMENTS and other requests as mentioned in NRS 106.210 and 107.071 statute then we will forward Bank of America response to the Division of Mortgage Lending or the Division of Financial Institutions of the Department of Business and Industry here in Nevada, whichever is appropriate ; Hope this is clear! 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 2022-09-04
Company: Bread Financial Holdings, Inc.
State: KS
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:
Comenity bank deemed two accounts fraud and sent letters stating they would be removed from my credit. This was on XX/XX/XXXX. Nothing has been done

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-04
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have had a XXXX XXXX card for the last 10 years and have been impacted by the Comenity outage. For at least a month from end of XXXX until about XXXX beginning, I was unable to log in or view any of my account information. My card would also periodically decline for no reason at random during the 1st week of outage. This outage was handled absolutely terribly by Comenity and parent Bread Financial and literally no info was given about what happened or timetables. ( There still hasn't been any information provided by the companies other than failed planned maintenance ) They also proceeded to cut and paste insulting, non-informative, unhelpful, canned responses all over their social media outlets in an unethical manner to inquiries from customers. At this same time, they disabled the telephone customer service with no explanation, and it would just disconnect you when calling in for weeks. These responses were seemingly on top of not having proper upgrade release testing and disaster recovery plans in place to prevent or resolve the outage. 

Fast forward to current time in XXXX. The XXXX reward points program that Comenity normally sends daily to XXXX XXXX has been COMPLETELY NON-FUNCTIONAL for almost 3 months. I am owed XXXX points that are stuck in limbo somewhere over this nearly 3 month timespan since the outage. I have received no info about anything except 1 email probably a month or more ago saying " We're working it. '' Credit consumers are part of an industry where credit companies will take any and every reporting opportunity to put black marks on your credit history for paying late one time, closing an account, inquiring about a new account, coughing too loudly, etc... These same credit companies should not be allowed to say or do anything they want without care or worry, have multi month outages, and fail on their obligations to provide services you've entered into agreement with them to provide, with no penalties or explanations.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: PNC Bank N.A.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
My Bank, PNC in XXXX PA, paid my full credit card balance {$4800.00} instead of {$120.00} minimum due payment I checked on online banking for them to pay. This made an overpayment in my checking account This caused other monthly bill payments to bounce. I had to call the PNC bank seven times and spoke to two managers who guaranteed me they would fix the problem but never did. Those managers names were XXXX XXXX of the Retail Escalation Department and XXXX XXXX whom I do not know what department he was from. 
A lady name XXXX XXXX who was not a manager but from the Retail Escalation Department helped me stop the other checks from bouncing and took of the bouncing fees ( hopefully ) yesterday XXXX XXXX 2016, She is not a manager. XXXX XXXX took time to help me when those other managers did not give a clue of what to do. I was told by XXXX the reversal of this horrible mistake will take three days to be cleared. This means the credit card payment can not be paid until next Wednesday XXXX XXXX. I asked XXXX for another way to pay my credit bill without being charged a fee and she did give me an alternative. I am hoping this complaint will stop PNC from continuing to make mistakes to my account. I am looking for another bank to do business with. Thank you. PS. I spoke to a man named XXXX ( he said he was not allow to give a last name or ID number ) in your complaint Department, he told me it would be better to write a complaint even though your website says I can do both.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: EQUIFAX, INC.
State: TN
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:
To whom this may concern I want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me i have no knowledge of them, be advised by law i have the right to PRIVACY and you the credit reporting agencies have violated it.the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX XXXX Opened XX/XX/XXXX ( {$710.00} ), XXXX XXXX XXXX Opened XX/XX/XXXX ( {$700.00} ), XXXX XXXX XXXX XXXX, Opened XX/XX/XXXX ( XXXX ) BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 5 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. 
personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12
Company: PNC Bank N.A.
State: DC
Product: Credit card
Issue: Advertising and marketing

Complaint:
I have been a customer of PNC Bank for over 10 years, and I have had a PNC points Visa credit card for most of that period of time. My main checking account is with PNC. Recently, I received a prescreened offer of credit from PNC encouraging me to open a PNC points Visa credit card - which, as I mentioned, I already have! I was concerned that either a. the account had been closed for some reason and I had n't realized it or b. there was a data integrity issue within PNC that resulted in them not realizing that I was currently a card holder. I contact PNC online customer support who told me that in fact they do routinely offer identical products to current customers for their own " benefit. '' I realize this is a very small problem in light of all of the other issues facing consumers in the financial space, but I 'm just incensed that PNC has so little regard for me as a customer. I fail to see how opening another credit card I do n't need ( and already have! ) is in any way a benefit to me. It 's insulting, and it 's tricky.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I requested verification of collections/ negative accounts on my credit report and only received what looks like a printed statement. They did not properly validate the collections/negative accounts on my credit report. I requested removal if the accounts that could not be validated. They remain on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Experian Information Solutions Inc.
State: AR
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:
Experian and XXXX are reporting an inaccurate account. I sent letters out and XXXX was the only bureau to remove the negative account. Experian and XXXX have failed to respond with any proof of this account within 30 days. Please remove the following account from my credit report immediately 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 explanation
Consumer complaint received 2022-09-05
Company: Experian Information Solutions Inc.
State: NC
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, XX/XX/2022. XXXX $ I called company told them I was Very sick and was out of work, I would do what I could but pls dont put dilquent payment on my report,

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 2016-05-20
Company: Concord Servicing Corporation
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Previously I owed XXXX timeshares with my ex-husband. Both are paid except the annual maintenance fees. In the divorce decree, I was awarded XXXX and my ex-husband the other. My ex-husband has not paid the fees on his timeshare and now the company calls me and says I am legal responsible for the past due fees because they ca n't contact him. When I told them I was no longer responsible and it was spelled out in the divorce decree, the company apologized and asked me to send a copy of the decree. I sent it and provided the husband 's phone number. A few days past and the company called again stating they could not contact my husband so I am still liable because the divorce decree does not supersede their contact. I again advised I am not legally responsible and they should call my ex-husband. I have asked them repeatedly not to call me and they continue to do so on my home and cell phone. I believe they have also reported this debt on my credit report ( I am obtaining a copy to verify ). My credit score has dropped and all my bills are paid on time. I am feel harassed since they continue to call and are not honoring the divorce decree which is a legal document. I have paid all fees associated with the timeshare I was awarded. I want this company to stop harassing me, remove this debt from my report and contact my ex-husband to obtain payment. I believe the tactics of this company are horrible. Please advise how I can stop the harassment from this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
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 permission.

15 U.S.C 1692 C

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11
Company: CITIBANK, N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/XXXX, I logged into my citi bank account and I saw that my account was placed on block. I call XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX and was told my account is blocked no explanation given and that I will not have access to any funds until 60 days. I was also informed that my account has been closed and I will receive a paper check within 2 months. Citibank has informed me that there is no additional info that can be given just wait XXXX months to access my monies. This is unprofessional and criminal.

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