BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-25
Company: LD Holdings Group, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX, I called Loan Depot to ask about loan questions. I was asked my name, address, ss # and telephone number. I was then asked did I want a 30 year loan. I then asked if you ( Loan Depot ) did commercial loans. I was told no. Loan Depot received a credit report from XXXX without my authorization. 

I called Loan Depot on Thursday XX/XX/XXXX, and asked as to why you ( Loan Depot ) ran my credit report. I talked to a female that read the file that was established with my name on it and she repeated the information that is the above mentioned. I was then told that since a file was opened with the stated information that a deletion letter could not be issued. I then asked for a copy of the recorded conversation of XX/XX/XXXX. I was told that the recording could not be found. I then asked why would a credit report be warranted if you ( Loan Depot ) didn't do commercial loans. I received no response. 

On the same day XXXX ran my credit report from XXXX. I have never spoken to XXXX before XXXX. I tried to talk to their serving department, however all I was able to do was to interface with XXXX XXXX auto attendant and received no option to talk to a live person in their servicing department. As far as XXXX goes I could not even request a deletion letter for the hard inquiry. As a result of the XXXX hard inquiries on the same day that were unauthorized my credit score dropped more that XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Resurgent ( LVNV ) is contacting my cell phone repeatedly without leaving a message and using different phone numbers to collect a debt. They should not be calling my cell phone to collect a debt. I tried to tell the lady to stop calling me but she disconnected so i was not able to tell her personally but she called on my home phone for this call. I want the calls to stop on my cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX, XXXX, SC XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX XXXX closer look, this was due to inaccurate information on credit report ; mine. My XXXX id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much XXXX which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX, XXXX SC 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 2020-06-19
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Ive completed approximately 5 or more disputes with Experian regarding a Chapter XXXX Bankruptcy reported to my credit. This public record does not and has never belonged to me. After disputing this multiple times, I filed a complaint with CFPB and as apart of Experians response they cited that have yet to complete the dispute and was awaiting documents. Experian has expressed during a verbal conversation that they receive all data from XXXX XXXX. After requesting XXXX XXXX to investigate this inaccurate public record, they swiftly and accurately removed it. I sent correspondence of this to Experian along with my Drivers License and FTC and Police Repor. On XX/XX/2020, I received dispute results reading that they are unable to remove it and that the company that reported to Experian has certified that this is accurate. Referencing back to my previous statement, I was told that this information comes from XXXX XXXX. XXXX XXXX HAS NO RECORD OF THIS IMFORMATION. Experian has taken this opportunity to target less than credit worthy and possibly XXXX American people in maintaining inaccurate information to disable the ability to be exposed to better credit and life opportunities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: PNC Bank N.A.
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
We have done business with a bank for more than several years, and have had a money market fund the entire time. That account included transactions by check, EFT, and checks issued at a branch. Being a money market fund, we abided by the restrictions of Reg D. We recently ran out of checks for this account, and have been refused in our attempts to order checks. 
Since this has been a demand account from its inception, with check access in place the entire time, I refuse to believe it is within my bank 's right to restrict access to MY funds in this manner, especially in light of the fact that applicable regulations were abided by, even with check access to our account. I will be glad to pay the bank 's price for checks, but I have not been offered that opportunity. The manner in which we conduct our household business has been built around check writing and transfer ability from all of our PNC/ banking accounts. That my bank would restrict such responsible money management abilities is troubling. 
It smacks of restraint of trade to think that a financial institution could restrict access to a customer 's money by disallowing a common instrument of commerce-A CHECK!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20
Company: PNC Bank N.A.
State: DC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
PNC Bank changed my checking account. I opened my checking account with National City Bank when I was in XXXX school it was a free checking account. When PNC aquired National City I was informed nothing had change with how my account operated and if something were to changed I would have a say in what product to choose from as they offered different checking account options. I never got anything notifying me of a change to my checking account. I had {$15.00} to {$20.00} dollars in my account they took it all with charges based on changes they implemented. When I called in the 1st guy said sorry and that he would do his best to issue me the funds. He would open a ticket with a manager to contact me - the manager said my money would not be refunded as i did not comply with the account rules. Again they changed the rules. In addition, I learned that they do offer free checking for online banking but did not change my bank account to that option or asked me what option i would want to take due to their change in policy. I mean they should have provided me the option as their customer to decide what checking account would work best for me based on them changing their products. Instead they caused me headaches and money and have lost me as a customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-19
Company: Experian Information Solutions Inc.
State: LA
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:
XXXX XXXX is saying I owe them XXXX dollars but I have never purchased anything from them. They put this is in here in XX/XX/2020. It's also saying the bill is late. I don't know who they got this information from but this is not me. They are messing my credit up and I am trying to get it straight. Can you please contact me as soon as possible regarding this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
On XX/XX/2022 at XXXX XXXX XXXX, I received email that there was suspicious activity on my daughter 's authorized user card. At same time my daughter messaged me that credit card was declined. I called number in email and was told my card had been restricted. I asked why and was basically told that the agent didn't know but that I needed to upload copies of my driver 's license, proof of residence ( like a utility bill ) and my social security card before they could give me any information. I upload 2 of the 3 but can not find my XXXX XXXX XXXX social security card. I applied for replacement card from US Gov't but that takes XXXX weeks. I called again and escalated to manager who basically told me he doesn't know why my account is restricted and won't be able to until XXXX days after all info is uploaded. In the meantime, my daughter had a rental car with a pre-approved charge that was declined when she returned the car even though CapitalOne had already approved it ( and I have an email to prove that ). So my account waits in limbo -- can't be used and is neither open nor closed. And the most frustrating part is that they won't tell me why. AREN'T THEY REQUIRED TO TELL ME WHY WHEN THEY FREEZE MY CREDIT CARD? I googled " capital one restricted credit card account '' and apparently this is fairly common. I think they should accept alternative to social security card. I offered to upload a W-2 with my number and they said " no ''. Again, I can't help fix this problem if I don't know why and I have no idea why they need an electronic copy of my social security card. This is having serious consequences for my daughter who is going to school in XXXX and can not leave due to covid. She uses this card for her expenses and is now borrowing money from friends until I can find alternative credit card. BTW... .my credit is excellent and CapitalOne in the last month issued me a new Venture-X card with a $ XXXX credit limit, but has frozen my oldest card with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
my account is in error which is reporting 30 days late for 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 2022-07-25
Company: CL Holdings LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Since XX/XX/XXXX, I've gotten calls from phone number XXXX once a day, every weekday morning from about XXXX to XXXX am. Caller ID displays XXXX XXXX '. I rarely pick up the phone and no message is ever left. On the rare occasions I've picked up the phone without saying anything myself, there is nothing but dead air on the line. 

Based on the pattern of these calls, I strongly suspect that the calls are coming from a debt collection agency. When I XXXX  the number, many complaints mention Jefferson Capital Systems, a debt collection agency. However, all of the complaints against the company are more than 2 years old.

I have absolutely no unpaid debts of any sort. My mortgage is paid off, credit card balances, utilities, insurance payments etc, are all automatically debited in full each month from my bank checking account. In addition, my credit scores from various sources are consistently above 800, with a completely clean credit record.

Since I have no debt problem, I have no intention of personally interacting with the source of these calls. I just want the calls to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
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:
This account popped up on my credit and it is not mines. I have filled out all the correct docs to show that i am a victim of identity thief and will attach the ftc report with this complaint. Please block and remove this from my credit please XXXX  XXXX  XXXX  Account Number : XXXX XXXX / 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Complaint on Yield to High Deposit, Rewards, Missed Deposit and Reserves Prompted Balance At account opening interes computation on interes is calculated on combined account from checking and saving Bank errors are found on interes computation yielding is daily can not presumably tune to XXXX 0r 366 days and is contradiction to 12 months APY computation notion Actual Rate interes on receipted deposits base on relationship from XXXX to Present, XXXX {$12000.00} to {$40000.00}, should come out to not below 20 % daily Beside prompted and position Bank of America to become number XXXX twice in prior 10 year with net reserve BOA {>= $1,000,000} aggregate {>= $1,000,000} Daily Interes sum on combine account deposit is $ XXXX and even applying your so call XXXX formula yield $ XXXX/daily multiply to 130 days yields $ XXXX yield come to $ XXXXmonth multiply to XXXX cycle is {$25000.00} month, Itemized cyclic computation from initial cycle interes on combine accounts is {$1600.00}, from initial date XXXX XXXX, XXXX, .04 % ( XXXX ) {$1400.00} and XXXX XXXX, XXXX, .04 % ( XXXX XXXX {$200.00}, Second Cycle sum is {$46000.00}, XXXX XXXX, XXXX, .04 % ( XXXX ) {$700.00} and XXXX XXXX, .04 % ( {$38000.00} ) {$45000.00} Third Cycle total is {$42000.00}, XXXX XXXX, XXXX, .04 % ( XXXX ) {$36.00} and XXXX XXXX, XXXX, .04 % ( {$34000.00} ) {$41000.00} Fourth Cycle sum is {$39000.00}, XXXX XXXX, XXXX, .04 % ( {$30.00} ) {$36.00} and XXXX XXXX, XXXX, .04 % ( {$33000.00} ) {$39000.00} Fifth Cycle Sum is {$39000.00}, XXXX XXXX, XXXX, XXXX ( XXXX ) {$38000.00} XXXX XXXX, XXXX, .045 % ( XXXX ) {$470.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Commonwealth Financial Systems has yet again placed an unsubstantiated collection on my credit reports in the amount of {$57.00}. This is the fifth time that this fraudulent account has appeared on my credit reports and the third time that Commonwealth Financial Systems has reported this false information. Each time they change the account number reported to the credit bureaus. I have proof of sending certified letters to Commonwealth Financial Systems denying their allegations and requesting evidence of their claim. In all cases, Commonwealth Financial Systems ignored my letters and has refused to provide evidence of their claim. This fraudulent collection was reported in the past by other collection agencies as well. XXXX XXXX XXXX, XXXX & Northeast Credit have also reported this false collection in the past. It took assistance from the Attorney General 's office to get them removed from my reports. The credit bureaus have also removed this false collection placed by Commonwealth from my report multiple times. I have kept all correspondence from my complaints and evidence of my complaints with the Attorney General as well as credit reports showing that this fraudulent account was previously deleted multiple times. I have had to place a fraud alert on my credit reports because this continues to occur. It is horrifying to see that Commonwealth has over XXXX complaints with the CFPB. I have filed new complaints with the Attorney General of Texas as well as the PA Attorney General. It is my prayer that the CFPB will take action against Commonwealth Financial Systems to stop their continued abusive and illegal behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21
Company: PNC Bank N.A.
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX/XXXX/16 I made the last payment on a PNC home eqity line. It was due that day, and although the closing on my house was XXXX, I would have been delinquent if I did not pay by the XXXX. I assumed this would be returned to me on the XXXX at closing. 
PNC did not post my payment by the XXXX. 
My wife mistakenly made an additional automatic payment of {$2000.00} of on XXXX. 
I was told by XXXX XXXX that XXXX refund checks were sent to my home on XXXX and XXXX. They never showed up. I emailed, called him and went into the branch repeatedly about this. 
I was told by XXXX XXXX that no check had been sent, but the account close out would be processed on XXXX and after 10 business days they would send a check. I asked why 10 days. The answer was " PNC policy. '' A check did arrive and I deposited it on XXXX in my XXXX XXXX account. 
On XXXX the check was bounced. PNC stopped the check. I do n't know why. They apologize but they can not explain what happened. I 've spoken to XXXX XXXX and he said he would find out why it was stopped, and told me another check had been sent right after they first check had been stopped, which was before I deposited it. 
I have subsequently spoke with XXXX XXXX ( she seems to be an executive at PNC ) who called me on XXXX to apologize and said she would investigate. She promised a return call to follow up in a day or so. She has not called and has not returned my phone calls for the last two days. 
The replacement check has been " in the mail '' now for about three weeks. They own me {$5100.00}. There is no dispute about the amount or that it is owned to me. But PNC will not pay. 
In addition to a lot of time that I feel PNC should compensation me for about {$50.00} in {$49.00} in XXXX XXXX charges associated with an overdraft that PNC caused and a {$12.00} charge to me for the stop payment. In my profession I bill hourly and this is lost billed hours - probably four hours so far. That 's about {$2000.00} at my billing rate. 
Contact information for persons noted above : XXXX XXXX XXXX Financial Consultant PNC Bank XXXX P XXXX F XXXX C XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: Experian Information Solutions Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern, This letter is a formal complaint that Experian is reporting inaccurate and incomplete credit information on my Credit Report. 
Please remove the following inaccurate personal information : Also known as XXXX XXXX XXXX, XXXX   XXXX Address 2 : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Address 3 : XXXX XXXX XXXX XXXX, LA XXXX Collection Creditor : XXXX XXXX XXXX XXXX - {$1.00} ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Collection Creditor : XXXX XXXX XXXX XXXX - {$1.00} ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Collection Creditor : XXXX XXXX XXXX XXXX - {$1.00} ( Reason for investigation : Not Mine. Please Un-verify & delete this information )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-27
Company: Affiliated Collection Services, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX keep calling both my home phone and cell phone. 
I have no outstanding debts with anyone. 
I feel they are harrassing me and they keep leaving messages that it's " in my best interest to call them. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: APR or interest rate

Complaint:
I paid my credit card balance of {$970.00} on XXXX/XXXX/16 due within the due date of the statement cycle and was charged interest of {$4.00} on XXXX/XXXX/16. They stated that the interest was charged because i had a previous statement cycle that was not paid off. Why would I get charged interest for paying the balance due for that month. My understanding is that this is not allowed under Regulation Z. Thanks

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