BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-17
Company: Experian Information Solutions Inc.
State: NV
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 XXXX Account Name XXXX XXXX XXXX XXXXXXXX Account Number XXXX, Account Name XXXXXXXX XXXX XXXX  Account Number XXXX, Account Name XXXX XXXXXXXX XXXX XXXXXXXX Account Number XXXX, Account Name XXXX XXXXXXXX XXXX XXXXXXXX Account Number XXXX, Account Name XXXX XXXX XXXXXXXXXXXX XXXX Account Number XXXX, Account Name XXXX  Account Number XXXX, Account Name XXXXXXXX XXXX Account Number XXXX, Account Name XXXX XXXX XXXX XXXX Account Number XXXX, Account Name XXXX XXXX XXXX XXXX  Account Number XXXX XXXX Account Name XXXX XXXX XXXX  Account Number XXXX, Account Name XXXX  Account Number 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 an 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 explanation
Consumer complaint received 2016-01-08
Company: Direct Recovery Services, LLC
State: IL
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I did, about a year ago, have an XXXX XXXX account. However, this company does n't have my correct address. They called my sister, my daughter, and my ex ( who I have n't been in contact with in 15 years ) and told all of them that I needed to contact them immediately or I would be sued. The messages were automated and the name of the " rep '' was XXXX XXXX. I believe this company is actually a scam and not a legitimate debt collector.

Company response to consumer: Closed
Consumer complaint received 2022-05-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In response to XXXX It has been over 30 days and XXXXXXXX XXXX XXXXXXXX XXXX has chosen not to take any steps towards addressing billing errors that are being reported at late payments from their company. My original complaint ( XXXX ) addresses the adverse action that XXXX XXXX had been taking against me. There are 3 inaccurate and false late payments furnished on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Pursuant to XXXX5 USC 1666b ( a ), A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. XXXX was also required to adopt reasonable procedures to insure my periodic statement was delivered to me no later than 21 days before the payment due date because I know I never received one. If XXXX can not confirm when a statement was sent and I can confirm that I never received one then the basis on which the account was marked late is erroneous. 

I was just denied an extension of credit because of these inaccurately furnished late payments by your company. I have never been late on this account. These inaccurately furnished late payments are an invasion of my right to privacy and is causing me severe stress and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX I dispute it XX/XX/XXXX I disputed. And they still didnt fix it. 
I filed bankruptcy on XX/XX/XXXX. Kohls is still saying that my account is open and it was closed XX/XX/XXXX. They running my credit like that Im still using the card. And they giving me bad scores. My score was XXXX. And every month theyre reporting it as late payment. And it was included in the bankruptcy. I dont understand why they still making is still active as of XXXX I never activate nothing else

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-09
Company: PNC Bank N.A.
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, 2015 - I opened a PNC bank XXXX account in their XXXX XXXX IL branch. This account is very complex to understand - two underlying checking accounts and XXXX savings account all associated with each other but not very well or at least customer is not fully aware how they works. I had a {$200.00} cash back promotion code that was also applied. As per the terms and conditions - i need to have {$2000.00} as direct deposit and one Bill pay from this account within XXXX days. I did fulfilled it - XXXX bill pays and two direct deposits worth more than {$2000.00} also. But it seems PNC bank has some other plans - not to honor their words and give me {$200.00} promotional bonus. Now branch folks are telling me that i should have used my other checking account to do the bill pays and they are claiming that they made it clear on the email also ... which i have been telling from day one ... it 's one account for me and somewhat complex to understand. Moreover it 's very difficult to understand the online website and even navigate thru it-i am using my quicken to understand all the complexities of this PNC account. Did enough follow ups on this matter with XXXX and XXXX but i am not seeing light at the end of the tunnel. I need the promotional cash back as i have fulfilled their conditions. Moreover once PNC bank tricked me and charged me overdraft fees of {$35.00} also even when all these XXXX accounts were connected/associated with each other and there was enough balance in the overall account. Later when i reached out to them-they remove the overdraft fees. As and when i go to that branch-they are trying to sell more and more stuff to me rather than helping me understand this complex " PNC XXXX '' account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: FC HoldCo LLC
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
When I got my car loan I was told the interest rate would be 12 % along with the Veterans discount of {$1000.00}. I wasn't given discount and my interest payment ballooned to 29.99 %. I was told that I can drive the car home during the application " pre-approval '' phase. I was told that nothing with the deal would change. The Dealer told me that the car I got was all I was already qualified for at the lower rate of 12 %. The manager needed to call his friends in the bank who could make that happen. I drove that car around and sold my other car that night. I later got a call a few days later telling me that either I XXXX. Take the deal with the new terms XXXX. Reject the deal ( car I had was sold ) or XXXX. Return the car and have the dealership report it to the police as stolen. Now I am a XXXX Veteran ( 100 % VA rating ) and that terrified me. I had no other car and I took the deal without what I was told. The Dealer told me that I was lucky that it was mine now? How when my rate XXXX and I was given no Vet Discount. He laughed I even heard other Veterans talk about how they got treated the same. The finance company when I told them said that it was nothing that they can do. Then nearly every conversation I had with them was hostile. The reps were extremely aggressive telling me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX' Who says that? So I asked them to stop calling me and only email.

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 2020-08-05
Company: Kriya Capital, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I sent the company a letter on XX/XX/2020 asking for validation of the account and the company never responded and now the debt has been added to my credit with me having the original contract saying that I owe the debt to this company and any other information that was requested in the letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-18
Company: Clark County Collection Service
State: NV
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Clark County Collections has reported to the credit bureaus a derogatory account dated XXXX/XXXX/11 in the amount of {$1100.00}. According to information obtained through internet search, this agency collects on unpaid medical accounts. Not only have I kept continuous medical coverage, I have not received any notification of unpaid debt to a provider for medical care. I also have not received any correspondence from Clark County Collections. Additionally, I did not receive any type of medical related service on the date reported by the agency. 

The unpaid debt reported by Clark County Collections has made it difficult to obtain necessary medical care and they have falsely tarnished my creditworthiness. They have failed to provide sufficient documentation pertaining to their reported debt and have made it impossible to have the incorrect information removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11
Company: Northwest Collectors Inc.
State: IL
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I PAID THE DEBT SO THAT IT WILL BE TAKEN OFF MY CREDIT REPORT. DEBT DOES NOT BELONG TO ME

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 2022-05-17
Company: PENTAGON FEDERAL CREDIT UNION
State: AR
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check in the amount of {$11000.00} on XX/XX/2022, the payment came from XXXX XXXX XXXX XXXX for the purpose of paying my rent. PennFed placed a freeze on my account and asked me to send documents to verify my identity. I never received a letter for this decision, I found this out after several calls. 

After submitting documents I've still been unsuccessful withdrawing my funds.

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 2016-06-03
Company: PNC Bank N.A.
State: IL
Product: Credit card
Issue: Payoff process

Complaint:
PNC Bank, in my opinion, has failed to provide an adequate method of setting up automatic bill payment for its credit cards. At this time, you can not set-up auto bill pay through online avenues, and must mail in a form to apply for automatic bill payment. Further, enrollees are not informed whether they are signed up or not by PNC. An application I filed XXXX3 years ago appears to have been approved recently, which I only learned about because they double-paid my last statement balance, XXXX of which I had to conduct manually. 

After contacting a representative of PNC, I was told the only way to modify my existing auto-payment regime is to call a representative directly. Again, I have no present way of individually understanding what the auto-bill pay policy is for my account. 

The result of XXXX of the above policies is that customers are materially more likely to carry balances between statements, accruing high rates of interest on larger balances than they would otherwise. Without a feedback mechanism in place, customers are also unable to determine whether automatic payment has been set up until a billing date passes, at which point a customer may already receive a black mark on their credit report, imparting unfair economic consequences on people trying to improve their financial wellness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Box 1 : ATTN Fraud Department : Remove fraudulent accounts from 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 2022-05-17
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX Account # 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 Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company 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 2016-01-24
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a XXXX service and i finished the contract before time. They have a 2 years contact. I had to finish my service because first of all they lie to me about pricing, and the quality of service. First, they gave me a price and the bills charged me the double of the price offered to me. Second, they said that the service was the best even with rain or winds, signal never would be lost. That was a lie and they even had to take that commercial tv off. With a couple of drops of rain and a little bit of rain signal was lost for hours. I did n't like being insulted that way. So, i decided to terminate my service.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: BANK OF THE WEST
State: MO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
The Bank of the West has the loan for my XXXX Dodge Challenger Rt. I sold it to a buyer from XXXX. The buyer sent a cashiers check to this bank in the amount of {$22000.00}. I owed approx. XXXX so the bank was to issue me a check for the difference. I called them to tell them the check would be coming and that I would not release the car until I received my part of the money. XXXX ( Manager ) stated that when I called the automated system and it stated the loan status as XXXX it would be ok to release the car to the buyer. On XXXX XXXX I called the system and my loan had a XXXX balance. On XXXX XXXX, 2015 I let the buyer have a tow company pick up the car, thinking I would be receiving my money soon. On XXXX XXXX, 2015 I had not received my check so I called The Bank of the West only to find out the cashier 's check they received was fraudulent as of XXXX XXXX, 2015. They did not notified me by phone or mail that my loan was still going to be due. They should not XXXX the loan out until 10 days or so have passed and the cashier 's check is cleared. I was paid ahead XXXX months so the payment is going to be due on XXXX XXXX, 2015. I refuse to pay them because it is their fault my car was stolen by deceit. I was trusting them to protect me. On XXXX XXXX, 2015 XXXX ( Manager ) called me and admitted that he told me it was ok to release the car when the automated system showed XXXX due and that he was sorry. He said he told me that as a courtesy. All these calls to The Bank of The West are recorded and I sent them the date and times of these conversations so they could review them, so they do have them on file. 
I hope you can help me in some way. 
Thank you, XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: Resurgent Capital Services L.P.
State: CA
Product: Payday loan
Issue: Can't contact lender

Complaint:
My complaint is about unfair business practices and credit reporting by a Pay Day Loans that I have never borrowed from. I have sent these companies letters disputing these fake charges and requesting validation of these claims. letters sent certified mail. XXXX XXXX XXXX letter was Returned undelivered, no response from the other XXXX companies. Yet, these companies are still reporting negative information to all XXXX of my credit reports ( XXXX, XXXX, XXXX ) ; under XXXX different names ( XXXX XXXX XXXX {$140.00}, charge-off ; LVNV Funding LLC, {$6500.00} ; XXXX XXXX XXXX {$2600.00} ) and charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: CHARLES SCHWAB CORPORATION, THE
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received a letter from Charles Schwab that stated they will close my accounts on XX/XX/2022 for undisclosed reason. I've been a loyal customer with both checking and brokerage accounts with them. I even have the XXXX XXXX Schwab XXXX card associated with Charles Schwab. A few weeks ago I received a phone call just clarifying the frequent activities on the account, and I was told that the activities were perfectly fine and I can proceed with using the accounts as I normally would. Fast forward and now I've received a letter that they will close the account. Charles Schwab is absolutely my favorite bank and brokerage and it's absolutely disheartening to see them lie to me about using my accounts as normal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: EQUIFAX, INC.
State: IL
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:
Not my accounts XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-31
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My XXXX XXXX spouse and I were married XXXX XXXX, XXXX and purchased our home jointly in XXXX. In XXXX we were interviewed telephonically prior to obtaining a reverse mortgage in XXXX. We were told that if I quit claimed my half of our property over to my husband we would be able to withdraw an adequate lump sum to pay a low cost loan from the County of XXXX used to upgrade and resolve much needed repairs to our aged home. In XXXX my husband renewed the reverse mortgage for additional upgrading and to purchase a used vehicle for me. 

I was married to my husband throughout the term of the HECM, and there are no invalidating claims against the mortgage except my husband 's death. I have maintained the required insurance and taxes in good faith that I will be permitted to remain in my home of XXXX years. 

I have been able to follow the various federal court cases in XXXX, addressing reverse mortgages as they apply to non-borrowing surviving spouses. 
HUD was admonished by the court in XXXX for not providing relief for Non-borrowing Surviving Spouses. In XXXX HUD addressed and resolved some HECM issues for non-borrowers residing in the borrowers home at the time of the HECM. However there remained no relief for Non-borrowing Spouses if the XXXX was obtained prior to XXXX XXXX. 

In XXXX XXXX, HUD set forth a list of requirements so that individuals such as myself could remain in our homes until death. In XXXX XXXX, a Class Action was filed against HUD, in part, for financially discriminating against Non-borrowing Surviving Spouses in that the financial requirement listed was cost prohibitive. Within a few days, HUD rescinded all requirements and permitted all lenders/mortgagees to offer a XXXX day extension on foreclosure proceedings being XXXX XXXX, XXXX. At that time our lender, XXXX XXXX Bank postponed the Trustee sale of our home to XXXX XXXX, XXXX. 

If our home is sold at auction, I will become homeless and since I am on XXXX only, the irony is that I will have to apply to HUD for help to find a place to live. 

I am hoping to get HUD to offer Financial Freedom the opportunity to either extend my husband 's HECM until a final court decision is rendered or for HUD to except the HECM from Financial Freedom, since the only default is that the borrower died. 

Thank you so much for any assistance you can offer me, I can not afford counsel and have been handling all communications myself since my husband 's passing on XXXX XXXX, XXXX and the first posted Trustee sale date in XXXX XXXX. 
On behalf of Financial Freedom, I wish to state that they have been very gracious to me and have shown a sincere willingness to help me remain in my home. 

Respectfully submitted

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: MRS BPO, LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have never had XXXX XXXX XXXX. This was disputed once before and removed from my credit profile nearly a year ago and now it reappears.

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 non-monetary relief
Consumer complaint received 2015-08-04
Company: Oracle Financial Group LLC.
State: IN
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX from Oracle Financial or Unified PS Group. She left me a message stating that they were trying to reach my sister, XXXX and that she was being investigated for Fraud and that the debt was tied to my social security number. When I called her back at XXXX she was very rude, and would not give me any information on the debt. She also would not give me an address of where her business was. I requested that she stop calling me and she proceeded to tell me that she could not do that. She said she was on a conference call and would call me back, I told her not to bother and then she hung up on me. She has called me 7 times since XXXX/XXXX/15. I have not given her any of my personal information but my sister has. When I googled XXXX XXXX and the phone number, it comes up as a scam. Please shut these people down! At minimum, have them stop calling me!

Company response to consumer: Closed with non-monetary relief