BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-25
Company: ProCollect, 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:
This company which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of XXXX with XXXX, XXXX and XXXX. I have requested verification of the debt and account however the business failed to provide adequate proof, along with documentation that bears my signature showing that I have entered into a contractual agreement with them. I have disputed this debt with the credit bureaus, and filed a compliant with the BBB ( Better Business Bureau ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/2018 I complained to Equifax about hard inquiries on my credit report that should not be there and also I always have problem with them in obtaining my free annual report every year. I discovered they have my name listed as XXXX XXXX my name is XXXX XXXX and as requested I mail to them a copy of my drivers license, copy of my social security card and electric utility bill. In that request I also wanted hard inquiries from XXXX XXXX XXXX, one from XXXX and XXXX removed I was given online a confirmation number of XXXX. 
On XX/XX/2018 they sent me an email stating they concluded and provided an online confirmation number of XXXX and I could not get online. Today XX/XX/2018 they sent me another email with the same confirmation number, I tried to get online again to no avail I used both confirmation numbers. 
I have had this problem with Equifax for years and is causing problems with companies when they tried to verified my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: NAVY FEDERAL CREDIT UNION
State: MD
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: Problem with personal statement of dispute

Complaint:
Navy Federal Credit Union continues to report a paid off car loan on my credit report as late. I've tried to dispute the transaction thru the credit bureaus and directly with the company but to no avail. The car loan was opened XX/XX/XXXX and paid off in XX/XX/XXXX. The loan was included in my bankruptcy but I kept the car and continued to make payments until I paid it off. I was never late on this loan and it's still reporting as such.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: Halsted Financial Services, LLC.
State: SD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
My name is XXXX XXXX Here is dates and times iv received calls on a debt that is not even in my name. It is someone else debt. I have repeatedly told them to stop calling me. This debt has nothing to do with me? They call 2-3 times a day sometimes more. I have blocked many numbers they call from but they use a spoof program of some sort so always calling from a different number. 

I would like the calls to stop! it has nothing to do with 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 Thank you! 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 30 60 ) days late on the XXXX/XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2018-12-03
Company: PROSPERITY BANCSHARES, INC.
State: TX
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My mother was financially XXXX by her grandson. She was threatened by XXXX XXXX if she did not go to the bank and withdraw her CD of {$170000.00}. The banking officer was made aware that my mother was scared of her grandson and did nothing about it. This was taking place at Prosperity Bank in XXXX Texas on XXXX XXXX. When I found out about the transaction I immediately went to the banking officer XXXX and reported this as elderly abuse of my mother. I sought assistance from an attorney who placed a temporary restraining order and a temporary guardianship and was to freeze the bank account from any transfers of the funds. Prosperity Bank allowed the funds to be transferred to the grandson 's father who is an ex-husband and has not seen my mother in over 20 years. The bank refused to freeze the assets and allowed the transfer to take place of {$150000.00}. The bank will not release the records to where the money was transferred to and will not guarantee to replace the money due to their era in not using the suspected XXXX XXXX   form that the government requires when alerted of XXXX XXXX. The local law enforcement agencies have not helped. The local XXXX Texas Adult Protective Services were contacted and have not helped. My mother has now lost {$170000.00} her life savings to someone she doesn't even know. The bank will not help us the local officials will not help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a let ter to National Credit Systems to vali date and verify derogatory information that is on my credit report o n   XXXX   XXXX   2017.  I have not received anything back from this company. I sent another letter the end o f  XX/XX/XXXX  wi ll still NO response.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22
Company: ALLY FINANCIAL 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: Account status incorrect

Complaint:
I called on the XXXX XXXX XXXX 2017 to request a payment deferment. It was granted. I specifically stated multiple times that I did not want the deferment to negatively effect my credit with them reporting a 30 day late. The representative assured me 3 times that it was an approved deferement and by paying a {$250.00} fee. My payment would be caught up and I would have no payment due until XXXX 2017. Which would represent my normal monthly payment. I have paid my loan on time every month an was my first payment deferment request. At any rate 3 days later and Ally bank reported erroneously a 30 day late to my credit report dropping my credit score XXXX points.

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 2020-01-02
Company: AMERICAN EXPRESS COMPANY
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I closed all of my amex accounts on XX/XX/XXXX as they kept charging me for hotel stays that my ex husband charges to a old card he still has. I have all of the emails showing where the accounts were closed. I closed these accounts ( some of which I have had open since XXXX ) because they continually allow him to charge on my card as an additional user despite the constant calls and conversations I have had with them through the years. I assumed me cancelling all connections with this company would finally stop the charges. Yet I received another statement saying that I owed money for yet another hotel he has charged on my account. I contacted an attorney. She sent them a letter. Their response to the letter will be in the documents that I am attaching. After sending my attorney the response from AMEX she advised me to file a complaint with your agency. If that doesn't work we will move forward to a law suit. I don't understand why they keep allowing charges on a card that they acknowledge is cancelled and then think it is ok to send me the bill and put my good credit at risk. I need HELP. I need for them to stop allowing charges to go through to hotels and then they send me the bill. He uses the card to reserve rooms because if he doesn't show up he doesn't care if it is charged because he isn't the one being billed. So for him it is a win win. For me it is a nightmare!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-25
Company: GMA Investments, LLC
State: IN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I contacted Summit Receivables the collection agency that bought my debt from XXXX in early 2017. I informed them that I wished to start working on getting my account squared away. I told them at the current time I could afford {$50.00} a month to which I was told that was fine as long as I made two months of payments around XXXX a month to start to show good faith. I really did n't have that kind of extra month but agreed to just to start the ball. After several months I contacted them to see if I could get a settlement offer. In reply they told me no that I was not going to get a settlement because they were allowing me to make payments to begin with. I told them that I felt that was unfair and wished for them to cancel all payments since they wanted to charge me a fee if I paid monthly vs having them auto draft from my bank. At this point the guy became mad about it and in short terms used threstening words and tone to try and get me to keep paying. I refused until they would give me a good settlement that satisfied both parties. I told them i would have some money for a settlement around XXXX XXXX 2017 if they could come up with a decent settlement around then to call me and maybe we could come to agreement. The guy then told me without an agreement from XXXX to XXXX there was a good chance that they would sue me. I felt very pressured into everything. But still said no to anymore payments. Fast forward to XXXX XXXX I find that Summit has taken {$50.00} from my bank. I call my bank to report it and my bank canceled my debit card and starting a fraud report. They also suggested I call Summit to try and fix it. When I call Summit the first lady talked to me and told me that I had agreed to the charges but said there was an email on my account that said I had cancelled all payments back in XXXX but then I called and told them to resume payments and to change my due date. I had not called them at which point she hangs up on me. I spend the next 2 hours calling them back to only be hung up on or transfered. Finally they get me a manager and he claims I told them to change my due date and keep taking the money out. When I told him I did n't he argued with me. After several times I tell him that they took the money without my approval and he said no I had given it in the beginning so it carries over even after I cancelled the payment because I wo n't tell them my intentions with the account. I told him I wanted my money back for the payment they just took and to cancel the rest of any thing on the account. He said no to my refund and then said the rest are cancelled and then hung up. I did n't get any confirmation or anything. My wife also has an account owned by them and her account is having the same problem right now as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: PNC Bank N.A.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Ive tried online and calling for assistance with lowering my payment or a deferment as my partner and I have been out of work two different times with Covid-19. Please help lower the monthly payment or do a three month deferment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
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: Account information incorrect

Complaint:
Payment history is incorrect because there is a past due amount of {$5500.00} but should be {$0.00} because was charged off and closed in XX/XX/2020. When creditors cancel debts, they are required to report the canceled amount ( if it's over {$600.00} ) to the IRS using Form 1099-C cancellation of debt. I yet to receive it. And when still comes up on my consumer report is concerned tax refund

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 2020-04-29
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I'm attempting to link debit cards from PNC Bank to XXXX  and PNC is not allowing it. My cards were linked but PNC did a security update and the accounts were removed from XXXX. I've contacted PNC and XXXX, both could not resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Citi AA CARD WAS CLOSED without my consent, after talking to citi rep they said i requested to close account but i did not & they claim to receive a third party letter on my behalf to close account & the account no. on that letter do not match with my credit card with citi & now to reopen citi wants to do a hard pull on my credit which is not acceptable as citi made error in closing 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 explanation
Consumer complaint received 2018-12-03
Company: Experian Information Solutions Inc.
State: GA
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:
As a client I now have legal rights that are granted to me to secure me from mis-information being accounted on my own credit report. At this time I need to make a final petition for investigation before I visit my attorney for information on how to handle inaccurate and unverifiable things that are ongoing to be confirmed as real.

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 2020-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
XXXX and Transunion are reporting incorrectly that I am ( 120-180 ) days late on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted  the bureaus to remove these however, I have not been successful.

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 2022-01-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was checking my credit report and these accounts still on.. I believe that someone have my personal information. I m disappointed! I dont know how to delete it from my name

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: Experian Information Solutions Inc.
State: FL
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:
Experian is failing to reflect 4 XXXX XXXX credit cards that I am individually responsible for, despite connecting my XXXX XXXX account to their " boost '' program and submitting additional paperwork from XXXX XXXX that reflects at least one of my accounts has been open for over 16 years. XXXX and XXXX have no issue reporting these credit lines. 

I opened a dispute with Experian to resolve this problem. Experian suggested I contact XXXX XXXX, which I did. XXXX XXXX provided me with a formal letter reflecting at least one of my accounts was open and in good standing since 2006. I uploaded this document along with recent account statements directly to Experian on www.experian.com/upload. XXXX XXXX claimed they were going to " re-send '' my credit data to Experian but that this process might take 60 days. I am seeking a mortgage and my closing date is well before 60 days. 

As noted above, I linked my XXXX XXXX account with Experian 's boost program, which uses a third party to search my credit cards for utilities and other bills. Experian was able to access my account and see all 4 credit cards, but still fails to report the actual cards and my regular monthly payment of the balances due on my credit report. 

It has been over 30 days since I began asking Experian to investigate this issue and thus far my accounts are still not reflected. I call every 72 business hours and am assured that the issue is being " looked into '' by the Data department.

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 2018-12-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been struggling with Bill Pay issues with Bank of America since the beginning of XX/XX/2018. This Bill Pay issue, which is some type of error in their backend system, prevents me from getting eBills, and subsequently from setting up any type of automatic payment. This affects my current credit card and I have had to make manual payments to my credit card bills for all this time. The issue seems to have stemmed from me opening a Bank of America checking account, which apparently transfers my other account information into a different backend system than when I only had a credit card. This is when the issues started. When I closed my checking account to try to resolve it, the issue remained.

I have called Bank of America and utilized secure messaging a ton of times now to try to resolve the issue, and each time they tell me they have it handled, but I'd have to wait until the next billing cycle for it to resolve itself. The next billing cycle comes, and the issue is still not resolved and I can still not setup automatic payments for my credit card.

Obviously, it's in Bank of America 's best interest financially for me to not have automatic payments, as it would mean fees and interest for their revenue, and I'm wondering if they're not doing this on purpose because I can't imagine any tech support team being this incompetent in that after 8+ months, they still can't resolve the issue.

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 2022-01-24
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My XXXX Credit Card which is managed by Comenity Bank was closed without warning. I was also not given any written notice of any kind. I have called their customer service twice on XXXX XX/XX/2022 at XXXX and XXXX pm. twice. Each agent I have spoken to would not provide any information and each one hung up on me when I requested a supervisor. I have either requested reopening of the account, an itemized explanation of why this account was closed and settlement of this debt for less than the amount.

Company response to consumer: Closed with explanation