BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-09
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX, I went into PNC Bank to let them know I was selling my home and the lien they have on my home needed to be released. The loan in question had a XXXX balance and had not been used in years. 

After contacting PNC Bank Customer Service numerous times via phone and in-person, contradicting information was given to me during each conversation. On XX/XX/XXXX, I received an in process letter from PNC indicating the appropriate mortgage documentation has been or will be sent to the County to release the lien on my home. 

As of XX/XX/XXXX, the XXXX County Clerk of the Court indicates the documents have not been recieved and the lien therefore has not been released. 

Our interactions with PNC Bank have been difficult and contractictory. All the representatives we have interacted with at PNC BANK have been unprofessional and inept.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I submitted a dispute to Sachs for a transaction made to XXXX XXXX in XX/XX/2022. Sachs sided with the company and did not do a final credit to my account. After Sachs lied about other transactions I did research on this and discovered that XXXX gave the money back to Sachs. XXXX  money sucking wallet vampires

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Experian Information Solutions Inc.
State: GA
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 XXXX XXXX XXXX  # XXXX, has violated my rights. 

XXXX # XXXX, has violated my rights. 


XXXX XXXXXXXX # 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 a 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 non-monetary relief
Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 noticie is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 
XXXX. XXXX XXXX ; XXXX XXXX. XXXX ; XXXX 15USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer. ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title. A consumer agency reporting shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. The following inquiries are a result of Identity Theft and was not initiated by me. I demand they are DELETED IMMEDIATELY. 
XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30
Company: Consumer Adjustment Company Incorporated
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Regarding Acct # XXXX. 
My name is XXXX XXXX and I live in Texas. In XX/XX/XXXX, a collection item hit all 3 credit reports as a debt that was first delinquent as of XX/XX/XXXX. I disputed with all 3-credit bureau as I have no knowledge of this debt. I contacted the collection agency Consumer Adj Co ( CACI ) to find out why this is on my credit report. No answer and I left a message. A rep called me back and stated that this is a debt owed from XX/XX/XXXX. I asked for information regarding the collection agency and was provided the name CACI and their address. I asked for information from the original creditor and was denied this information. She stated she could not give me the contact information from the original creditor and that this debt was bought by XXXX XXXX XXXX, and I could look them up myself. I am filing a complaint with CFPB, because they are not providing me with validation of the debt and according to Texas and Federal Law, they statute of limitations in Texas on debt is 4 years. That 4 year date ended XX/XX/XXXX. 

( Section 16.004 of the Texas Civil Practice and Remedies Code - The statute of limitations on debt in Texas is 4 years ) AND ( Section 392.307 of Texas Finance Code in XXXX - This section of the law, introduced in XXXX - states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. It also requires that debt buyers provide written notice to a consumer if the limitations period has expired. )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: PlusFour, 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: Account information incorrect

Complaint:
Plus four continues to report medicals bills under {$500.00} on XXXX, XXXX XXXX and XXXX. Based on the new guidelines Medical bills Under {$500.00} should not be on the credit report. I have contacted XXXX XXXX several times and they have refused to remove from the credit report. 

Their act is unfair and deceptive acts to attemp to colllect a debt as other people Are not treated the same. Why is it that The medical bills under {$500.00} for other peoples accounts were removed by them, but mine were not. 

I am asking that all medical bills under {$500.00} from XXXX XXXX I removed from my credit report. 

Plus four this does not have to do with the credit bureaus you guys are in charge of the account Kindly remove them from my credit report. I do not understand why you guys are pinpointing me and only me and treating me in this fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Freedom Mortgage Company
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am the executor of the estate of XXXX XXXX. He had a mortgage loan with Freedom Mortgage. The loan number is XXXX. XXXX XXXX is deceased. This loan was paid in full in XXXX, XXXX. I have received the release of mortgage form. However, Freedom Mortgage continues to charge and deduct a monthly mortgage payment and refuses to discuss the issue with 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 2023-03-24
Company: Eastern Account Systems of Connecticut, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
When living at my former home in XXXX, the electricity bills became extremely high and unsustainable. I therefore called the electricity company, XXXX, to inquire as to how I could get the bills under control. At the rate at that time, I would be forced to sell my house because we could not afford the electricity bills ( we did indeed have to sell ). The representative that I spoke with offered " budget billing ''. It was explained to me that this was a flat monthly fee. The representative at no time disclosed that I would be liable for any electricity used above that flat fee. When I later called to close the account, I was informed that I would have to pay all electricity charges above the flat monthly fee that were essentially being accrued, which resulted in a bill of over {$1500.00}! I immediately contested this as I was never informed that I would have to pay any accrued amount that would be accelerated upon closing the account. I immediately put my dispute in writing and told XXXX to contact me to resolve and I would pay an appropriate amount. Instead, they chose to send my bill to a debt collector and my credit score has dropped nearly XXXX points as a result. My dispute was in writing as required by the FDCPA, XXXX should have contacted me ( which they did not ), and my account should have never been sent to debt collection. The debt collection agency informed me that XXXX was aware of my dispute, but validated the debt even though they had failed to contact me as the consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Opened in XX/XX/2014. I was told to pay off account cost a specific amount by worker at XXXX XXXX. I paid that amount and was told I am out of my contract. Checking my credit report is shows that I owe an amount that I have never confirmed. I was tricked by this company and it has caused credit issues.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: ERC
State: MT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ENHANCED RECOVERY COMPANY XXXX {$1900.00} Account Information Address XXXX XXXX XXXX XXXX XXXX FL XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type COLLECTION AGENCY/ATTORNEY Date Updated XX/XX/XXXX High Balance {$1900.00} Original Creditor XXXX XXXX  Past Due {$1900.00} Pay Status >Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks >PLACED FOR COLLECTION<

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: ONLINE Information Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Received update on my XXXX XXXX account of outstanding debt collection of {$430.00}. 
Received mail from debt collector ( Online Services ) which included bill from XXXX XXXX. 

Account information as follows : Account Number : XXXX Customer Name : XXXX XXXX XXXX XXXX : XX/XX/XXXX Invoice Number : XXXX Referral Id : XXXX Mailing Address : XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX Amount Due : {$430.00}. 

I was told by XXXX XXXX that the account was no associated with any phone number, but the email was : " XXXX '' I submitted a claim for the same amount and with the same account number last XX/XX/XXXX and the debt was cleared. 

I live in XXXX XXXX and have been living here since XXXX. This debt is not mine. This is a repeated fraud incident.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03
Company: KEYCORP
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My account was hacked. I was told that the account had to remain open for the investigation and no money will be able to be taken out. Somehow the hackers was able to take out {$6800.00} and the account was overdrawn. Two direct deposits was made into the account for {$2500.00} and the bank is saying that because they wasnt able to get the {$6800.00} taken out of an account the told me was restricted I was being held liable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2023, I responded to a letter from Capital One, stating to them that I feel that I have been discriminated against. The reason for this is because of the response I received. Capital One stated that they observed activity on a prior account which I did not have and told me it goes against their expectation. It's been over 15 years since I have done any business with Capital One Bank and feel that this goes against FCRA rules that state : The length of time that negative information can remain on your credit report is governed by the federal Fair Credit Reporting Act ( FCRA ). Most of it must be taken off after seven years. Some items, such as bankruptcy, can remain for up to 10 years, and other items, such as civil judgments or tax liens no longer are reported at all. Following are eight types of negative information that may appear on your report, with suggestions on how to lessen their damage. This is in response to application ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: WLCC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
Explore credit is attempting to make multiple ACH from my bank account daily for different amounts. Two ACH withdrawals on a Friday followed by 3 ACH attempts on Monday.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hello, On XX/XX/2023, Citibank has closed my checking account due to a " security concern ''. I have reached out to their customer service and they refuse to disclose the reason to me over the phone. They closed my account right after I opened my account on XX/XX/2023, and deposited $ XXXX to the account so I can qualify for their checking account bonus. I didn't even had intentions to open a Citibank Checking account but Citibank kept emailing me about their checking account bonus nonstop so I decided to give a try. 

I have been their customer over a year and I own 2 credit cards which is I do not get what is their security concern about. I also have a XXXX Credit Score and have few checkings account with different banks. The customer rep mentioned me they wont release the funds to me 30-60 days although I need those funds immediately since this money is material to me to operate my daily activities.

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 2023-07-03
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I got a credit card with Kay Jewelry store around XX/XX/XXXX, with an 18 month promotional balance for the {$3500.00} purchase. then, a few months later I purchased another item on the card. Instead of applying my payments to my promo balance, Comenity bank and kay took payment towards my balance and left me with a {$1300.00} promo balance. I was not aware that they would then charge me interest on the entire purchase if not paid off last month. I called them today as I noticed a {$1400.00} interest charge on my card. ( let 's not discuss how high the interest rate is for a {$3500.00} purchase! ) Comenity/Kay says there is nothing that can be done, despite their abusive and deceitful tactics. I called and spoke to 2 different representatives today XX/XX/XXXX and they both said they can't do anything. I asked to speak to a supervisor who states nothing can be done " because of the terms and conditions of promo. '' I can't get anyone to help. If I had known that the promotional balance needed to be paid by XX/XX/XXXX to avoid interest on the entire purchase I would have done so, but now " it is too late '' ( per Kay/Comenity Bank ) .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I want these late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX. Please correct and update.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  Balance Owed : {$1000.00} ; XXXX XXXX  Balance Owed : {$6500.00} ; XXXXXXXX XXXX XXXX  Balance Owed : {$860.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$4100.00} ; XXXX XXXXXXXX Balance : {$7900.00} ; XXXX XXXXXXXX Balance : {$9400.00} ; XXXX XXXX XXXX Balance : {$3100.00} ; XXXXXXXX XXXX XXXXXXXX* Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$1000.00} ; XXXX & XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX ; XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was never contacted about a debt collection. A debt collection agency found debt I was unaware of and put it on my credit report. They say they sent mail to an incorrect address and they use a phone number that is blocked by phone carriers, but they tried for 30 days before putting it in my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: Convergent Resources, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Convergent Outsourcing, Inc is calling and sending letters. I have never contracted with this debt collector. The original creditor has received their 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 2023-01-06
Company: Experian Information Solutions Inc.
State: AZ
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 is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance XXXX {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$12000.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX Account Number : XXXX, XXXX Account Number XXXX XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX, XXXX Account Number : XXXX, has violated my rights XXXX5 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 a 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 non-monetary relief