BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-22
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

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 2023-03-08
Company: PACIFIC CAPITAL EXCHANGE
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
The original lender wasXXXX XXXX XXXX  Oakdale has contacted me and harassed and threatened me with lawsuit when I was unable to continue my payments. I have done research and the lender claims Tribal Sovereign Immunity. Their debt recovery company, Oakdale portfolio recovery, who also go by oakdale & Associates, called me and claimed that XXXX XXXX was suing me and that I should have been served court papers. Then they back tracked when I told them I had not been served and that there was no court case filed based on a search I did with my local court that would have jurisdiction. I made a couple of payments directly to Oakdale and then fell behind again. When I agreed to make these payments with Oakdale, they had me esign a form but the terms and conditions state that this is for the amount listed on the form, however, no amount is listed on this document except {$9.00} fee depending on the state I am in. 

I was out of the country recently and received a voicemail on XX/XX/23 alleging that there was a stop order on my scheduled location date and I needed to call Oakdale and Associates right away to reschedule. I have never received any information from Oakdale via mail or email about any lawsuit and I have not been served and theyre trying to intimidate me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Experian Information Solutions 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:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to 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 non-monetary relief
Consumer complaint received 2023-02-19
Company: ALLY FINANCIAL INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've Been a Victom of Idenity theft My identity been compromised there has been accounts open under my name withount my Knowledge i let the consumer know that i had no idea of the account I've Placed a Fraud alert 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 non-monetary relief
Consumer complaint received 2023-03-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not authorized these inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information 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 explanation
Consumer complaint received 2023-02-23
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the information on my credit report related to a collection account and bankruptcy. 

The collection account with the account number XXXX, which is listed on my credit report as being originally reported by XXXX for rent XXXX is inaccurate. I have never been a tenant at any property managed by XXXX and I have never incurred any debts related to rental payments. Therefore, I request that this information be removed from my credit report. 

Regarding the bankruptcy information on my credit report, I have recently noticed that my bankruptcy case number XXXX is reported twice with different descriptions : " Bankruptcy U.S. Bankruptcy Court '' and " XXXX Bankruptcy ''. I would like to request that this discrepancy be resolved and the duplicate listing be removed from my credit report. 

I understand the importance of maintaining an accurate credit report, and I appreciate your attention to this matter. Please investigate this issue and provide me with a written response regarding the actions taken to resolve these disputes. 

Thank you for your time and attention. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Confusing or missing disclosures

Complaint:
This case was originally filed under XXXX. The context of the original complaint is that Bank of American did not provide any terms and conditions with respect to this foreign currency transaction. 

Bank of American ( BOA ) was successful in logging the timeline of events but they failed to address two critical issues. What terms and conditions were levied for the initial transaction. And why did it take over 60 days for the reimbursement to settle for the account. 

Customer is adamant that BOA failed in its fiduciary responsibility to identify terms and conditions at time of transaction and failed in its responsibility to notify customer after the fact with respect to additional terms and conditions. 

Customer through the help of its mobile service provider has been able to retrieve and save a voice mail from BOA. This voice mail does not address any additional terms and conditions. If additional terms and conditions applied, alternative methods of pick-up could have been arranged. 

To highlight, BOA is responsible for providing terms and conditions. No terms and conditions were presented at time of transaction. No terms and conditions were provided by voice mail. Hence how is the customer to know that additional terms and conditions have been levied by the bank. 

Customer requests refund of {$470.00} as BOA broke original terms of agreement and secondary transaction required additional funds ( {$470.00} ). 
costing the customer money.

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 2023-02-11
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:
I acquired my credit report & ask the credit bureas to check & make sure everything was complete & 100 % accurate for the following accounts according to 15 USC 1681i ( 5 ). 
Account : XXXX XXXX XXXX XXXX XXXX XXXX I waited 30 days & received my investigation & noticed every was still the same. The consumer reporting agency which experian did not remove or modify anything. The date opened is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on all three credit bureas. 
Which is a violation. This is impacting me from moving forward to obtain business credit for my business. 
I attached my previous credit report with my new credit report to show how Transunion has violated my right.

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 2023-03-01
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Hello, I have an account package with PNC Bank. The account package is called XXXX XXXX with XXXX XXXX. 
I opened the account online on XX/XX/XXXX. At the time of opening the account, the information provided to me was that the minimum balance to be maintained in the combined account package was {$5000.00} for the monthly fee to be waived. 
The account package consists of the following XXXX accounts XXXX ) SPEND ; XXXX ) GROWTH ; and XXXX ) RESERVE. 
Subsequently, since the time of account opening until this day, I have consistently maintained more than {$5000.00} combined balance in my account package ( SPEND + GROWTH + RESERVE ). 
During the months of XX/XX/XXXX and XX/XX/XXXX, due to personal reasons, I did not get a chance to review my monthly account statements. 
At the next review of my account statements, I noticed that a monthly fee of {$25.00} per month was debited from my SPEND account for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Despite maintaining more than the required minimum balance of {$5000.00} during all these months, I was erroneously charged a monthly service fee. 
When I reached out to the PNC customer service team, the monthly fee for XX/XX/XXXX was refunded to my account but they refused to refund the fees for XX/XX/XXXX and XX/XX/XXXX by stating that the balance maintained in the " GROWTH '' account does not count toward the minimum balance requirement. 
This new information is inconsistent with what was provided to me at the time of opening the account. 
Furthermore, the monthly statements also clearly show that I have maintained more account balance than the required minimum of {$5000.00} per month to waive the fees. 
Please review the attached account statements to verify the minimum balances maintained during these monthly periods. 
I have reached out to the PNC bank several times and all of the representatives that I have spoken to have refused to refund the service fees that were charged erroneously in the XX/XX/XXXX and XX/XX/XXXX periods. 
I request the officers at the CFPB to enforce PNC Bank to honor their account terms as communicated at the time of account opening. Consequently, as I have complied with their account terms of maintaining the minimum balance to keep the account fee-free, I request the CFPB to direct the PNC bank to credit the erroneously charged service fees of {$50.00} ( {$25.00} for XX/XX/XXXX and {$25.00} for XX/XX/XXXX ) back to my PNC Checking account as soon as possible. 
I sincerely thank the officers at CFPB for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: PNC Bank N.A.
State: NY
Product: Credit card
Issue: Transaction issue

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX NEW YORK XXXX XXXX reported my credit card stolen. 
Last replacement card activation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX can pnc XXXX XXXX keep my card open

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was a XXXX customer for about five ( 5 ) years and I always have device protection insurance. In 2018, I upgraded two ( 2 ) devices on my account through promotion. A couple weeks after the upgrade, I accidentally dropped my phone. I went back to XXXX the retail store to get my phone screen replace only to find out that my deductible has increased from {$100.00} to {$150.00}. I asked the agent why I was not informed about that increase and his answer was that the person who served me was novice. I wanted to pay off the damage phone and return the other phone so I can close my account. Also to find out that through that promotion I just signed a new two ( 2 ) agreement with them. Again, I waas not informed. I don't think as an existing customer, with five ( 5 ) device on my account, my agreement should change when I upgrade two ( 2 ) phone. At least, someboby in the store should have told me. I was not happy with the way they were handling the situation so left all the devices on the counter with them. I got couple bills from XXXX and called the customer service and explained everything to them. I was told that they will look into the situation to call me back but never did. Only time I got called is to take of the bill. Now, many years later I am being reported to a collection bureau.

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 2023-03-07
Company: SYNCHRONY FINANCIAL
State: DC
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:
My name was included in the XXXX data breach which occurred between XXXX - XX/XX/XXXX but I was notified in XX/XX/XXXX. I wanted to file and official report regarding this breach since my data is on the dark web and there are several items on my personal non-public information credit report I don't recognize and I have to deal with consumer reporting agencies as a result.

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 2023-03-07
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I just read this XXXX XXXX XXXXXXXX So do I qualify as someone who can get money because I was hurt by Wells Fargo in my negotiations with them and for them to put me through modification " XXXX '' along with SELLING MY HOME AT AUCTION without any legal rights to do so.

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 2023-03-01
Company: EQUIFAX, INC.
State: KS
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:
Despite multiple written requests, the unverified accounts listed below continue to reporton my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but Inever received a response from them. These accounts must be validated in accordance withSections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will takelegal action against them. Please follow the law so that this matter can be resolved as soonas possible. XXXX XXXX Balance : {$30000.00} ; XXXX Balance : {$16000.00} ; XXXX XXXX : {$17000.00} ; XXXX  XXXX Balance : {$11000.00} ; XXXX XXXX XXXXXXXX Balance : {$620.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: TD BANK US HOLDING COMPANY
State: SC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XXXX, my wife and I attempted to purchase a car with XXXX XXXX. The car was not on the lot so we were instructed by the sales rep at the dealership to complete an online ordering process with another location for vehicle transfer, but first had to do a hard credit pull and deposit to lock it in. I resisted the credit pull until the car was on the lot, but they ensured me this was their process and we could lock in financing within a week or two. We completed a hard credit pull for an auto financing loan with TD Auto Finance on XXXX. After several weeks of silence, lack of follow-ups, and vague answers from the sales rep we realized the dealership misled us to believe a car was identified and didn't actually have a car in their inventory. In XX/XX/2023, we were notified the car we intended to buy in XXXX came on the lot ( the VIN number indicates it was from the factory ). 
Without my knowledge or consent they submitted a deal with TD auto finance again which required the bank to pull my credit a second time, it was blocked as my credit reports are typically frozen. I called XXXX XXXX and voiced my concern and frustration, stated I would like the original credit pull reversed and they instructed me they can not do anything and to contact TD auto finance to dispute the credit report. I called the bank and they informed me they can not discuss credit disputes over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: EQUIFAX, 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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account " XXXX XXXX '', has inaccurately violated my rights. Section 604 - 15 U.S.C. 1681b. States that the consumer may, upon providing proper identification, request a free copy of a report and may dispute with the consumer reporting agency the accuracy or completeness of any information in a report. I applied for this inquiry XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and the removal date for all should have been XX/XX/XXXX and or before XX/XX/XXXX, It still has not been removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Bepensa Capital, Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
It has been 30 days and you are in XXXX of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
THERE ARE ADDRESSES ON MY CREDIT REPORT THAT ARE INACCURATE AND MUST BE REMOVED AS THEY ARE HINDERING ME FROM PROPERLY FILING FOR FURTHER 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 2023-02-19
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, I received a text message stating that my mortgage payment for XXXX had been returned. I concurrently received a notification from my credit monitoring services that I was assessed a 30-day late mortgage payment. In response, I called and sent proof to Carrington Mortgage of that claims fallacy. I paid my XXXX mortgage on XX/XX/XXXX. At no point between XX/XX/XXXX and XX/XX/XXXX was my account insufficient for the debit of my mortgage. Additionally, there were no NSF fees or notice of a returned payment. Further, I called Carrington Mortgage on XX/XX/XXXX at XXXX Central to tell the customer service representative that my payment was made on XX/XX/XXXX, but it hadnt been withdrawn. I asked her if she saw anything in her system that indicated an error. She said no. It was an 18-minute call. Similarly, I called on XX/XX/XXXX after receiving a text message falsely stating my payment had been returned. The customer service representative told me she saw that it had been returned, but that there was no explanation as to why. She said that payments are returned for 2 reasons and insufficient funds is one of the reasons, but she didnt state the other reason. It was a 12 minute call. I called XXXX on XX/XX/XXXX and, upon their research, they confirmed that no such attempt at an ACH was initiated and no fees associated to the {$2800.00} payment was found. I want an instant removal of the 30-day late credit reporting and a reversal of any fees associated to the returned payment claim. Ive attached bank records showing daily balances between XX/XX/XXXX and XX/XX/XXXX, as well as proof that there were no NSF fees in XXXX, and that the 2 NSF fees ever assessed were in XXXX for non-Carrington Mortgage transactions. 

I filed a complaint with the XXXX  and Carrington responded by further affirming that the payment had been returned. They did not attach proof of a returned payment and, instead, shared materials that they asserted they sent me to assist those who were having mortgage payment issues. I've sent the required information showing Carrington 's error and want this resolved immediately.

Company response to consumer: Closed with explanation