BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-31
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My phone was hacked and stolen from me on or around XX/XX/2022. The thief got into my phone which contained my ATM pin in the notes of it. He was able to send {$1400.00} dollars to himself as he hacked in to my pnc+XXXX with my account info that was already saved in my phone. I started a dispute which was denied and not found in my favor. As I have now recovered my phone and changed my pnc log in info, I called again to explain to a representative that this isnt fair, I was hacked. The representative told me I had to verbally give my pin to someone. Well that it is not the case as it was saved in my phone that was hacked and stolen from me, I advised the representative of that. She said she would add it to my account notes as I asked them to please re-dispute this for me. I also asked to speak to a manager. I was transferred to her voicemail, left a voicemail, and never had a call returned to me. Im so upset and the loss of money affected me being able to pay rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have  XXXX   (   XXXX  ) student loans with Navient : ACCOUNT NUMBER  XXXX  Loan Group Number :  XXXX  for {$24000.00} Loan Group Number :  XXXX  for {$14000.00} Loan Group Number :  XXXX  for {$14000.00} My payemnts are not being applied to the principle amount. Numerous emails and conversations have going no where. even after agreeing Customer Service never calls back when promised to resolve. I need some help. I want to finalize the amount and pay off. I do n't miss payments but are starting believe I am being defrauded.     Please let me know how you an assist

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: EOS Holdings, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
they called asking for a XXXX XXXX I 'm am not that person I explained to them and they basically called me a liar and refused to stop calling me the phone number they called me from is XXXX EOS-CCA Debt Collector in Massachusetts

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22
Company: BANK OF THE WEST
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a checking account at Bank of west XXXX XXXX XXXX XXXX ca. on XXXX XXXX. Reason I opened had offer of {$600.00} if balance above {$50000.00} to end of year. Offer said had to opened before XXXX XXXX. Person told me no problem on getting money. Had over {$50000.00} balance into this year. but they refuse to give me the {$600.00} bonus. Had contacted bank with no help so far.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-31
Company: Consumer Information Bureau
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
A company posing as XXXX has as phone number that is similar to XXXX 's phone number except the first three digits are XXXX instead of XXXX. This company knowingly deceives callers and attempts to sell them a {$300.00} consumer protection product. 

XXXXXXXX XXXX number is XXXX XXXX. Be careful not to call XXXX XXXX or you could be scammed by a company called Consumer Information Bureau who claims to be affiliated with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: Experian Information Solutions Inc.
State: WV
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:
My name is XXXX XXXX. I pulled my credit report and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave you any written consent to report anything on my consumer report, and they haven't responded in over 30 days.

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 2020-06-13
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: Account information incorrect

Complaint:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 
Creditor : XXXX  So Cr Rec Opened XX/XX/XXXX {$190.00} Original creditor : XXXX XXXX XXXX So Cr Rec Opened XX/XX/XXXX {$120.00} Original creditor : XXXX  XXXX  XXXX  XXXX  XXXX  Opened XX/XX/XXXX {$120.00} Original creditor : XXXX XXXX XXXX Cred Mgmt Opened XX/XX/XXXX {$160.00} Original creditor : XXXX XXXX XXXX  XXXX Cred Mgmt Opened XX/XX/XXXX {$550.00} Original creditor : XXXX XXXX XXXX  XXXX Cred Mgmt Opened XX/XX/XXXX {$490.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$26.00} Original creditor : XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  A Opened XX/XX/XXXX {$430.00} Original creditor : XXXX  XXXX  I understand that mistakes happen but your inaccurate information is costing me money in higher interest rates and I have enough expenses as is. Please investigate the following information and either remove it or at least send me the information that you used to add it to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am XXXX XXXX XXXX and I have a complaint about the inaccurate and damaging information on my account. I have a loan with LOANCARE LLC with the account number XXXX and I have always made my payments on time. For some reason I realized that there was a late payment on my credit report even it clearly states it is PAID. As you can see, I have a 0 balance on this account and always had a stellar payment record with this company. I already tried contacting XXXX, XXXX, XXXX and LOANCARE LLC with no successful resolution. There was definitely an error on their part. Please remove this 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 2022-01-31
Company: Experian Information Solutions Inc.
State: NY
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:
due to you not removing these inaccurate items off my credit i am being denied my ability to obtain 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 non-monetary relief
Consumer complaint received 2017-01-28
Company: Experian Information Solutions Inc.
State: MD
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I am unable to access the website XXXX from XXXX. They said one of my security questions from Experian is wrong : what was the make of my first car. They pointed me to Experian ( CFPB Case # XXXX ). On their website, it gives a number to call to speak to a live agent to answer any questions. I have tried that number XXXX and there is no option to speak to a live agent. That is misrepresentation. There is no way to reach a live person. That 's first. Next, I know the make and model of my first car and it wrong with Experian. That needs to be changed. I need to be able to speak to someone there live to have this updated.

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 2015-10-07
Company: American Credit Resolution, Incorporated
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
American Credit Resolutions called my job several times today XXXX/XXXX/2015. I do n't know who they are representing and my Boss told them not to call this company again because it 's not work-related and its against company policy. They refuse to comply and they have n't contacted me by mail or personal phone. So I have no idea what this about but it is harassing and embarrassing.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed
Consumer complaint received 2022-01-31
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
today XX/XX/XXXX i contacted XXXX  i explained the situation about XXXX  XXXX which i previously reported to you an they just said didnt pay basically ..and it was closed excuse me if i sound frustrated but if i win in court why do you and the reporting agencies go against the court showing they dismissed it in court. it should have been removed from my report in XXXX i submitted papers to you XXXX XXXX has kept this account open an showing delinquent until i disputed it.this is fraud in its finest form.to lie to the reporting agencies.if i lie its a crime of some sort. i need to have this removed from my report and action should be taken to the next level.it shows the deciet of a big corporation that may have members sitting on the XXXX board of directors.I would like to have someone investigate this as to why you allowed this to stand with me providing documentation just because they wrote back i won the judge said i won winning is winning if you look back you will see i proved i won but the letter in return from XXXX XXXX  mentions nothing of the sort i read it .this account is 7 .5 years old but until i disputed it in XXXX of XXXX it was held open after many disputes now the last update was closed an in essence ive been bullied by a big corporation, that i won in court my complaint is with all three credit reporting agencies.they only work for the big corporations not the citizens..

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 2022-07-21
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have a 30-day late payment on my mortgage account listed on my credit report in the payment history section, called XXXX XXXX XXXX XXXX Mortgage Account, which date was opened on XX/XX/2018. I have disputed this account with XXXX and Equifax and they have not removed late payment for the month of XXXX to reflect a " never late ' payment status on my credit report and XXXX, Equifax and XXXX XXXX XXXX XXXX is violating the fair credit reporting act by reporting inaccurate information on my credit report. Please remove this XXXX Late Payment for the month of XXXX from my mortgage account listed on my credit file for the month of XXXX immediately and if it is not removed, then I will be filing a lawsuit against XXXX, Equifax, and XXXX XXXX XXXX XXXX for not removing this inaccurate late payment for the Month of XXXX. XXXX Equifax it is reporting XXXX late and on XXXX it is reporting XXXX late for XXXX on my credit report. I have attached a copy of an updated letter, which I received from the creditor, which I already reported to the credit bureaus already. In the letter they stated that this XXXX XXXX XXXX for the month of XXXX is an error on their end and for the credit bureau to update the record to reflect pays as agreed for the month of XXXX. Therefore, I have attached it to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: Collections Acquisition Company, Inc.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I never received any communication from this company that my account will be send to collection without my knowledge. Do n't even know this company and find out get bad review with XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Wrong informations on my report ... under employer. I have never worked for a company called 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 2022-07-21
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 status incorrect

Complaint:
I have exhausted every communication and appropriate dispute channels with Transunion. After 12 months they finally fixed all issues in the last XXXX weeks only for them to be updated the exact same way a few days ago. 

To date their improper and unlawful reporting has cost me thousands in credit and multiple tradelines. 

They are reporting an account with XXXX XXXX XXXXXXXX that has been paid off for months and closed at my request yet they are showing open with a balance they fixed it and it its back. {$0.00} balance letter attached herein - they claim they verified they did not XXXX XXXX closed and never late proof attached they fixed this multiple times and now its back yet again delete lates immediately XXXX XXXX XXXX XXXXXXXX sold years ago never late they verified on a recorded line yet its still not fixed XXXX XXXX creditor agreed to delete entirely as well as inquiry on XX/XX/XXXX account closed secured account Inquiries duplicate XXXX XXXX  not mine remove XXXX XXXX XXXX XXXX - shows late in XX/XX/XXXX memorandum attached showing it was not

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 2022-07-21
Company: EQUIFAX, INC.
State: TN
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 want to submit a complaint about my credit report information that is questionable. I would like to dispute certain inaccurate information in my file which I believe is possibly an Identity theft. Here are the list of information in my report : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 want to submit a complaint about my credit report information that is questionable. I would like to dispute certain inaccurate information in my file which I believe is possibly an Identity theft. Here are the list of information in my report : XXXX, XXXX, DO XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/2001 XXXX XXXX XXXX XXXX, TN XXXX XX/XX/2001

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 2021-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XX/XX/XXXX and Transunion are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when ALL of these accounts are in dispute. 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 NOT CAPTURED - XXXX XXXX XXXX - XXXX ; and XXXX XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts 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 2021-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
On XX/XX/2021, I sent my very first letter to the credit bureaus concerning this account ( XXXX XXXX ). XXXX XXXX  is reporting inaccurate information on my report. The past due amount, date of last active, and the date of last payment are all incorrect. I have made an attempt to send a letter every month since and I have not received a response. No verification, validation, or investigation has taken place. This is a violation. I have been patient and given plenty of time to return a response. As of today, XX/XX/2021, I have received nothing.

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 2022-01-31
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The transition of BB & T and SunTrust into Truist has created an unbearable customer service issue. Wait times are over an hour. Former SunTrust branch employees ( XXXX XXXX XXXX in XXXX ) told me that they can not assist me without coming into the branch and presenting ID as of XXXX XX/XX/2022. 

Communications from the staff indicate that XXXX XXXX is the first date we should expect " connected '' services. 

My husband and I have spent cumulatively XXXX hours or more to get to any telephone support. 

Meanwhile, Truist is spending money to advertise, but is not investing in reasonable customer service assets. 

We do not have access to transfer funds from our account, despite a ~ $ XXXX balance as of this correspondence. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These are not my accounts nor am I late due to Covid Rules on any of my student loans. Please reverse all late payments 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 2015-11-14
Company: JPMORGAN CHASE & CO.
State: VT
Product: Credit card
Issue: Delinquent account

Complaint:
In 2010 I defaulted on a credit card balance to Chase Bank. The bank unsuccessfully tried several means by which to collect and after several years sent me a XXXX form for debt forgiveness and I paid income taxes on the implied earnings. For some reason XXXX XXXX XXXX XXXX XXXX did n't get the memo and is trying to collect. Each time XXXX these collection agencies buys defaulted loans there is a credit check and my credit scoring never seems to recover despite the fact that it has been almost six years since the original default occured.

Company response to consumer: Closed with explanation