BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-24
Company: PNC Bank N.A.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My concerns involve PNC Bank. 
A transaction on my credit card was disputed with PNC. The dispute was eventually resolved by the bank fairly and in my favor. The resolution was a long time coming after being misled, deceived, and ignored by the bank for several months despite all my diligent efforts. Prior to the resolution, a status update regarding the dispute was requested using direct message on XXXX. This took place on XX/XX/2016 at XXXX. Since then communication has been interrupted by PNC on twitter. PNC informed me they would let me know why this happened in a specified timely manner. Since then I made countless phone calls, initiated other means of XXXX contact, sent online banking direct messages, sent XXXX messages, and exchanged numerous emails all with PNC. XXXX cases have been generated by PNC. They are being uncooperative with providing me with any status update on the cases.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: STONEGATE MORTGAGE CORPORATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
StoneGate Mortgage failed to give me credit for one of my mortgage payments. 
This was shown on my XXXX 2016 statement. It shows that the payment was received on XXXX XXXX, 2016 and then reversed. There was no reduction in my principal. I called the company and spoke with XXXX at ext. XXXX. I was told that this was an error on their part and it would be corrected. I also contacted my bank. The mortgage payment in question has cleared. 
I have just received my XXXX 2016 statement. This correction has not been made. The principal has not been reduced and the interest charged can not be correct if they calculate my interest expense from an incorrect principal.. This recent statement shows that I owe two payments..

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-10
Company: Alliance Collection Agencies, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sent validation of debt letter by XXXX overnight in late XX/XX/XXXX, never received response within the legally required 30 day window by FDCRA. Validates account as valid with every dispute with evidence that they have violated the law. State account opened by them in XX/XX/XXXX but failed to ever contact me, didnt list on my credit until XX/XX/XXXX and update the balance every 7 days, re-aging the debt. This is a medical collection I have no knowledge or proof of and Alliance is reporting varying amounts/multiple accounts on my credit. Successfully disputed and got removed 3/4 of them on XXXX, 4/4 on XXXX and none of the 4 on XXXX. Demand this company delete from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: Experian Information Solutions Inc.
State: HI
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 need to remove this fraudulent account. I file identity theft report, sent letters and call. I requested Mov many times

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 2022-07-26
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is a complaint against XXXX, acting on behalf of Lakeview Loan Servicing. I made extra principal payments on my mortgage on three occasions in XXXX : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They applied part of the amount each time as regular mortgage payments, with a portion going to interest instead of all of the payments going to principal. 

I called them on XX/XX/XXXX to have them apply the amounts to principal only. They said they would and I got off the phone with them. A day or two later, I had an alert on my bank 's credit monitoring that my credit score had dropped. XXXX had reverted XXXX months of payments, XXXX through XXXX. They did not refund the payments, but told me they had put the amount ( {$21000.00} + {$8100.00} + {$97.00}, totaling {$29000.00} ) into a special holding account. My credit score went from XXXX to XXXX. They never told me they would do that and obviously that is not something I would authorize. They never called me to tell me, I had to call them to fix it. 

After over an hour on the phone with them and talking to two different representatives including their " fixer '' from a completely different department, they re-applied the payments from the holding account to my mortgage account. But they did not correct the credit reporting. I paid off the mortgage loan completely ( payoff amount {$32000.00} ), because of this inexcusable and outrageous treatment. They reported the account as current after fixing the problem, and my report shows that the loan is paid off, but they should have issued a correction instead of reporting the account as current.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card
Issue: Other fee

Complaint:
I signed up for a store card at Gander Mountain in XXXX before christmas. I provided my address and email address when I signed up. I signed up under the understanding that I would receive a bill and that there were no unreasonable fees or interest rates. At that time I charged a {$18.00} item to the card. 

I never received a bill so I went to the store XX/XX/XXXX to find out what was happening and pay off the card. The store clerk was not able to process the card and told me to contact the bank directly. I signed up for an account and discovered that they had charged me a {$18.00} late fee on XX/XX/XXXX. They also added a {$1.00} minimum charge. I never agreed to that interest rate or fee schedule and I was told that there are no regular fees. 
They have since then charged an additional {$23.00} Late fee and {$1.00} minimum charge. 

The outrageous fees and lack of billing transparency should be illegal. The bank is Comenity bank. The Retail customer is Gander Mountain.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: NJ
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. The remaining items are listed below : 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 : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$7700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

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 2019-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Transunion on XX/XX/XXXX responded to complaint number XXXX regardinging XXXX. they replied they could not delete the XX/XX/XXXX transaction done by XXXX in which I stated to transunion it was fraud. Fraud has rights of been deleted due to the drivers lic number, date of birth and social security number is not me as stated on the application. transunion has not provided no documents to shown from that application that information as the date of birth social security number or that drivers lic is in my name. There has been complete fraud done by XXXX XXXX of XXXX XXXX. I have also filed a US Attorney complaint on Transunion with the document as proof the social security Number is not me date of birth is not me and the drivers lic is not me to the US Attorney office on Transunion. the application is complete fraud.

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 2019-12-20
Company: EQUIFAX, 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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: EQUIFAX, INC.
State: IL
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 an account on my credit report from XXXX auto-this car was stole off the dealership while I was signed my contract. I was told that the loan would not fund and that I wasn't responsible for the car. Well, the dealership did fund the loan with XXXX auto and I tried everything to get this loan undone. I filed a police report three years ago, tried to put the car through my car insurance, and I tried to help XXXX  get the car back-but I couldn't get anything done. I had great credit and didn't want to have this account report negatively, but I didn't have a choice. I filed all of the fraud paperwork that XXXX  told me to do and submitted it. I thought it was done, because I didn't hear anything from XXXX. 
I started the process to get a home and this account is showing on my credit. I once again filed a fraud aff, through the FTC fraud website, I was very specific in my filing. XXXX and XXXX XXXX has blocked/remove this debt off my credit and all three blocked/removed it off my husbands. But Equifax refuse to remove/block the debt off my credit report. They tell me that it's not fraud because I can't produce a police report. And I can't get a copy of the report, because XXXX pd didn't accept the complaint because the car was never in my name. And now XXXX is trying to collect a debt that is Fraud!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
on XX/XX/2021 I pulled my credit report and noticed inquiries on my credit report that I did not authorize it was from XXXX of a company by the name of XXXX XXXX, I contacted Transunion because I was not able to dispute the information online the system stated I had to call in, upon calling I was denied being able to dispute my information online and over the phone. I explained i did not apply for any credit and that my information has been exposed due to a breach from an employer and my social security, bank account and personal information was exposed, I received notice to contact the bureaus if I noticed anything suspicious on my credit report. TransUnion refused to remove the inquiries from this matter.

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 2019-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Card was charged for something you did not purchase with the card

Complaint:
Hello my name is XXXX XXXX, on XX/XX/2019, I opened my Bank of America App on my phone and noticed a series of transactions under my name adding up to {$4500.00}. After that I proceeded to search for my card and found out that it was missing. I went on the app, quickly closed the account and attempted to contact Bank of America Fraud department, but was not able to sue to the long hold time of over 1.5 hours. On XX/XX/XXXX, I called BOA. The representative that I spoke to had no interest in solving the issue ; I had to pressure him and guide him into filing the claim. I notified him of every transaction and notified him that my card was lost during the incident. In the following 3 days the claim was opened and my account was reimbursed for the temporary credit. However, on XX/XX/XXXX the credit was reversed and my account was charged again. I contacted Bank of America and reopened the claim. I was told to file a report for identity theft. I have done so and faxed it to them numerous times. I also attempted to contact the police department in XXXX California to report the charges, but I was told that I have to report it to the police department in XXXX XXXX and where the transactions took place. I proceeded to do so, but was told by XXXX XXXX XXXX that the report has to be filed in person by one of their officers and I live 500 miles away and have no way of driving 10 hours through the snow to get to that location. 

Bank of America customer service representatives are not being helpful as far as providing me the guidance needed for me to protect my account and are not interested in investigating my claim. They are also holding me responsible for the amount that was placed fraudulently on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-23
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have recently started a dispute process with the credit bureaus regarding a bankruptcy that is on my credit file with inaccurate information. BeginningXX/XX/XXXX 2017 in order for the credit bureaus to report public information on your credit file it must contain ; name date of birth socia security number and address which tied the debt to you, I have disputed this bankruptcy multiple times and the credit bureaus have yet to follow the new law inplace, yet all they have done was updated this bankruptcy with the information about the court where the bankruptcy was filed. I have contacted the court and was advised they have NOT verified a bankruptcy being tied to me with ANY of the credit bureaus, therefore I would like this information to be rereviewed and REMOVED from my credit file

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 2020-06-19
Company: U.S. BANCORP
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit limit changed

Complaint:
I am trying to refinance my first Mortgage to reduce my interest rate only, no cash out. My new lender ( XXXX XXXX  XXXX ) sent USBank a letter of Subordination as we have a HELOC with USBank including personal checking, savings. The Heloc was opened end of XX/XX/2019. And it has a current credit limit of XXXX. The balance is about XXXX. USBank is refusing to do the subordination for my refinancing unless I agree to pay down the Heloc with a new limit of {$47000.00}. My home has not changed, the amount of my mortgage and Heloc has not changed. The reason they state is that the new home appraisal for the loan is less than at the time if the Heloc. Of course the entire market is depressed. I dont know why they can not just allow the subordination as is with the current Heloc. I have been trying to pay down the Heloc and this reduced refinancing rate would allow me to pay off USBank faster. This matter is the only thing hanging up my refinance. My lender and I have tried multiple times to discuss this case with the mortgage department without them budging. This is not costing USBank anything to submit this subordination as originally sent. This is usually a curtesy thing with refinancing a first mortgage. I am a long standing customers of US bank. In the past I have had and payed off other Lines of credits and loans. I have a good credit rating with no defaults on loans and no bankruptcy. I do not know why USBank is making this an issue. USBank knows I dont have {$40000.00} in the bank to pay them. If it wasnt for the pandemic, my home would have been the same or increased in value. My husband and I are working and I am a first line responder. The people we have talked to at US Bank are : 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 explanation
Consumer complaint received 2019-12-30
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2019 my daughter was contacted by XXXX XXXXXXXX XXXX of XXXX TX, soliciting an opportunity for her to refinance her mortgage for her home in XXXX, VA for which I cosigned. She asked a few questions and told them she was NOT interested, however, they ran a hard inquiry on my credit, without any approval from my daughter or myself. I have contacted XXXX XXXX who refuse to remove the unauthorized, fraudulent inquiry. This inquiry has impacted my car insurance rates and could impact my employment. Therefore, I need it corrected ASAP.

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 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my third complaint about XXXX, XXXX, and Transunion for not meeting Metro 2 Compliance or E- Oscar Protocol when verifying collections on my credit report. The Credit Bureau stated that my accounts were properly investigated Complaint # XXXX. This was a false statement by the credit bureau because the date opened is inaccurate and the date last active is inaccurate. And some of the collections account are the same account under to different names. Some of the collections accounts are still receiving payments beyond the last date of activity. 
1. XXXX XXXX XXXX # XXXX. The date opened is inaccurate, the date last active is inaccurate across 3 all credit bureau. On the transunion report the last date active has been reaged. These inaccuracies grounds for removal from my credit report. 
2. XXXX XXXX # XXXX. The account type is inaccurate, the account status is inaccurate, the date opened is inaccurate, the date lasted reported is inaccurate and the last date active is inaccurate across all 3 credit bureau. These inaccuracies grounds for removal from my credit report. 
3. XXXX XXXX  XXXX  XXXX # XXXX. The date opened is inaccurate, the high credit is inaccurate, the date last reported is inaccurate, and the date last active is inaccurate. Acc # XXXX. The date opened is inaccurate, the high credit is inaccurate, the date last reported is inaccurate, and the date last active is inaccurate. On the XXXX report the date last active has been reaged and this account is also being reported under XXXX Acc # XXXX. These inaccuracies are grounds for removal from my credit report. 
4. XXXX XXXX Acc # XXXX. The date opened is inaccurate, the high credit is inaccurate, the credit limit is inaccurate, and the date last active is inaccurate. These inaccuracies are grounds for removal from my credit report. These inaccuracies violate my rights under 15 U.S.C 1681 Section 602 A. States I have a right to privacy, under 15 U.S.C 1681 Section 604 A, Section 2. The consumer reporting agency can not furnished a account without my written instructions. 
I am factual disputing the accuracy of all these accounts.

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 2022-07-26
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:
This uncertain account listed below continue to report on my credit report regardless of the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be verified ( A ). I will take legal action against you if you do not guarantee this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

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