BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-07
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:
It's not my accounts, They shouldn't even be appearing on my file, from what I know ( and I keep good track of my bills! ). I don't know where you got the following accounts. These oversights on your part are causing me a lot of trouble financially.

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 2017-07-22
Company: STERLING JEWELERS, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Kay Jewelers allowed a friend of mine to use my account without my knowledge. My boyfriend at the time went into a store in Virginia for a cleaning of a product I purchased. Subsequently, the product was damaged by an employee during cleaning. They offered to fix the damage. In the meantime, my boyfriend asked if they could provide a " loaner pair '' of the same earrings until these were fixed. He was not authorized in any way to use this account. Not only did the employee allow him a new pair of earrings in my name, he also raised my credit limit in order to put this purchase on my account. No notice to me about what was going on, no signature from me, no call, nothing! When I found out what happened ( through a phone call I made inquiring about my increasing bill ), they told me about the purchase. I told them that 's impossible as I was at work that day and no one else has authorization to use my account. Long story short they stated they removed this employee from the store and also would credit me with the cost ( neither of which really happened ).

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-10
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
Someone use my Prepaid Card. I ask the bank to put the credit back on my prepaid card. the transaction is on : XXXX/XXXX/2015 for {$43.00}. it is for pageplus cellular. I told them I do not do this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-07
Company: EQUIFAX, INC.
State: PA
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:
On XX/XX/2020 I received a notification that my credit score dropped 65 points because my account is closed. My account is very well open and in good status. This is the second time XXXX XXXX has reported the wrong information which is affecting my credit. I called and explained to them that I'm in the process of buying a house and they keep messing my score up witch will mess me up for getting my loan for my house. They have yet to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 I saw that I have negative information on my account. Where is account come from. I believe that someone used my personal information and apply for it

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 2017-07-22
Company: STERLING JEWELERS, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I lost my job few months ago. A representative from Kays Jewelers called and offered me a hardship plan IF I paid a specific amount by a certain date. I explained I did not have the amount and was told they would send me information in the mail to help until I started working. Instead, they call me EVERYDAY, ALL DAY from different phone numbers. They have even called my old place of employment and a relative. It 's always someone on the other end eith zero sympathy and recently threatened to take legal action ( I have several conversations recorded ). I told the representative that called me multiple times a day ( upwards of 10 ) was harassment. They do not care! It 's not only embarrassing, but it is a situation that has caused my anxiety and stress levels to skyrocket because I do n't know what tactics they are going to use next.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: Freedom Mortgage Company
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
Post card solicitation to refinance our 3.5 % FHA mortgage from Freedom Mortgage. Offer is for a " FIXED '' rate 3.875 % that will reduce payment " {$70.00} per month, with " NO POINTS '' " NO LENDER FEES '', although the APR is 4.586 %. YOUR PAYMENT WILL BE HIGHER on back of post card, while on the front " Close in XXXX & Your New LOWER Payment is not Due 'til XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Someone in Equifax office added someone elses account Information to my credit file by the name of XXXX XXXX according to all 4 creditors. His and my information are completely different. 

It should not take 30 plus days to remove his information from my credit file. They should be able to see that the name, address, date of birth and most importantly social security number does not match my information. 

When speaking with the creditors Ive been advised that when Equifax sends the dispute they do not send any supporting information so the creditors are confirming that the information is valid because they did not provide the creditors with any information that shows who the accounts belong too. I want this rectified. 

I want the below accounts removed from my credit profile and placed on the correct persons profile XXXX XXXX per each of the below creditors. 

Collection Accounts XXXX XXXX acct # XXXX XXXX XXXX  - XXXX Closed accounts Premiere Rental Purch acct # XXXX XXXX XXXX XXXX acct # XXXX These accounts were added between XX/XX/21 and XX/XX/21

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22
Company: Modlin Slinsky, P.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
In an attempt to collect outstanding debt under 120 days with XXXX XXXX XXXX, without even once calling primary phone number associated with my account, MODLIN & ASSOCIATES , P.A . sent a detailed letter to my father 's residence outlining amount, nature and all details of debt. His wife is under treatment for XXXX XXXX XXXX XXXX to XXXX and XXXX and this was an unnecessary distress and harassment. Following the letter I immediately contacted Modlin, reiterated that I was aware of the debt and had every intention of paying, but was unemployed and would pay as soon as I could. I requested they contact me at the number I was calling from, the number they had for my account : XXXX XXXX. Following this, representatives proceeded to call my father 's ex wife from over 15 years ago, discussing details with her and informing her I was being sued. I have no contact with her but heard it from my father, after which I contacted them once again. After several messages left with no response, I finally reached a representative who informed me I was being sued. I was never served papers. I immediately made a payment of just under XXXX XXXX dollars to begin a repayment plan. I specifically inquired if this was a " settlement '' and was told in no uncertain terms it was not. Later that day I received a " stipulation for settlement '' I have correspondence from XXXX XXXX 2017 showing they had my correct address. Since then they have continued to attempt to serve me papers at previous address, new address with no apartment number etc. Presumably to be able to claim that the recordings of our phone conversation, which prove every detail of my statements, have been erased.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: PNC Bank N.A.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Around XXXX XXXX XXXX XXXX XXXX XXXX XXXX transmission went out and we applied online through Our bank pnc mobile banking loan application process, when we done this we got a phone call as someone pretended to be a loan officer for pnc bank telling us we were approved XXXX but needed additional information from us to move forward. So we provided our personal details cause it was our only hope and our bank of multiple years. After doing so our online banking was hacked our bills got returned that were posted and cleared multiple weeks and then withdrew out of our accounts and making all our bills past due hit with return check fees and us to be out XXXX plus dollars. Our electric got shut off our vehicles almost repoed her car now has I am XXXX now behind on my truck. Bank claims it our faults when we only used their services, how did the scammer/hacker obtain my information to even know I applied pnc or banked with pnc. Pnc will not help us out will nit refund our money instead they have been rude closed our accounts and now have us in collections, since all this happened it made all my credit cards be backed out by fees and returned payments my credit to drop XXXX points and completely turn our lifes upside down and our money has never been returned. We cant apply or be approved for anything cause our credit is shot our bills are way past due and impossible to catch back up on. We cant provide for our XXXX kids fully as we wish now, we had to get food assistance go to food drives sleep in the dark and sell multiple personal items now from all of this. We keep praying things would change but pnc bank just brushed us off didnt care turned us into collections for the amount back which was technically our hard earned money our bill money and our lifes they just completely destroyed. They are amount make me lose my truck thats leased through XXXX XXXX I need to run my business and provide for my kids.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Harris & Harris, Ltd.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My son fall ill to a sudden XXXX XXXX XXXX in Summer of 2020 and we had two hospital visits XXXX emergency room in XXXX XXXX XXXX XXXX, and since they did not have a children XXXX XXXX, they used emergency services and moved him to XX/XX/XXXX XXXX XXXX for XXXX XXXX my total bills after my insurance paid their share came to be close to 8000 dollars. i contacted both hospitals the same way and XX/XX/XXXX and I have an agreement to pay them XXXX per month, that i am paying. XXXX XXXX XXXX XXXX in XXXX, refused all my calls, rejected all my offers, and failed to reply to any offer i gave them. Finally they sent my bills for collection to a collection agency that now has begun harassing me and my wife a year later. Harris & Harris are calling me and my wife at home and at work at all times. or exactly at XXXX p.m. ( a minute before the required cut off ). My complaint is about both XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX and Harris & Harris.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
On XX/XX/2022, I applied for credit with XXXX. They approved me for a {$200.00} line of credit. XXXX did a hard credit inquiry, and when I went to check, Equifax had dropped my score to XXXX points! I could understand maybe dropping it to 5, even 10, but XXXX is ridiculous! My credit previous to this was XXXX with Equifax, now XXXX. I'm trying to make an effort in improving my credit score, to move forward, not backward! I called Equifax toll free number and explained to him exactly what I said here! His reply was Sorry and he hung up! It's bad enough a large drop like this, but to stay on your credit report for 2 years!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: PENTAGON FEDERAL CREDIT UNION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was the victim of identity theft in early XXXX  A the end of XXXXXXXX XXXX, I contacted PenFed Credit Union upon receiving a card I did not apply for. Once they ack that it was fraud, they said they would close the account and contact the credit reporting agencies to make an update. I have received a mailed statement every month with a dollar amount shown. Every time I receive it I call PenFed and they assure me that the account is closed, but they can not tell me why I am still receiving the statements WITH A BALANCE. I have contacted PenFed no less than 10 times, and I have no actual way to 100 % confirm that they did in fact do what they said, and I feel they are not being forthcoming as to why I am still getting mail from them or why it shows a balance.

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 2022-01-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have had a credit card with capital one since XXXX going on 5 years already I have requested for a credit limit increase twice for account ending in XXXX once in XXXX of XXXX and once in XXXX of XXXX both times they gave me two different excuses why they wont approve me in XXXX they said they were monitoring my credit activity so they didnt approve it then in XXXX they said I have too many recent inquiries so they denied me again.. I have had stellar payment history with them and my credit utilization is 10 percent or below every month but in XXXX of XXXX they approved me for a Capitol one Walmart rewards card?!? I find it odd that they wont allow me to get an increase on my longest standing trade line but will approve a new trade line for me instead? I dont feel they have my best interest at heart as a customer thats had a card with them for 5 years the only reason I have too many recent inquiries is because I had two auto loans in XXXX due to a car accident I had to get another vehicle other than that Im responsible with my credit utilization and my debt to income ratio is excellent I have had stellar payment history so i feel that they should approve me for an increase for account ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: Freedom Mortgage Company
State: IA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I have been trying to get a " stringline '' mortgage done with XXXX since XX/XX/XXXX of this year. I have finally ended my relationship with them due to concerns over private information sharing and their practices are concerning.

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 2022-10-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
To whom it may concern I've been dealing with Bank Of America on several Unauthorized transaction which occurred on my account after explaining that my phone as well as my wallet was compromised with all my passwords exposed, Bank Of America keeps determining that transactions was made by me which is not fair I'm losing sleep everyday knowing that I've been a customer with BOA for several years to be treated unfairly is quite disgusting tractions listed are as follows From XXXX {$12000.00}, {$7200.00}, {$1800.00} Claim Number 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 2017-10-15
Company: BBVA FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had two fraudulent debit card transactions which totaled {$150.00}. The fraudulent transactions were reported to BBVA immediately. However because of this my own transactions overdrew account and Bank charged XXXX dollars per transaction. I contacted fraud disputes and asked for them to expedite my provisional credit and fee reversals. A week later, nothing has been done. I have spent hours on the phone on hold with their disputes area, no one seems to care. No provisional credit has been made to my account and only two of the 4 NSF fees were credited after pleading with their supervisor. This is not the response of a Bank who is truly interested in their consumers well being and it appears to me as if they dont devote the necessary resources to deal with this sensitive issue

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-13
Company: Experian Information Solutions Inc.
State: DE
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:
XXXX XXXX XXXX XXXX XXXX placed an inquiry on my credit report on XX/XX/2020 without my consent. 

In accordance with the Fair Credit reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an inquiry without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: Bay Area Receivables, Inc
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The medical office charged {$300.00} for services one XXXX XXXX that were not provided by the physician. I disputed the charge when the bill was initially received in early XXXX with the physicians billing service and initial collection agency. I believed the matter to be settled, because I did not receive any additional communications from the physicians office or initial collection agency after mid XXXX, nor was anything placed on my credit report at that time. A new collection agency, Bay Area Receivables inherited the files after the initial collection agency went out of business and placed the item on my credit report in XX/XX/XXXX. I had not been contacted and only found out in XX/XX/XXXX, after I logged in to view my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-26
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Hello Please can you help me what to do with this issue in my PayPal account? 

I just receive an email from PayPal that telling me that I can no longer do business with them. Right now I don't know what to think. I don't remember anything that i violated like PayPal told me. 

It all started this last transaction in my PayPal account. after I withdraw my money to PayPal and cash in in my XXXX account that I link to them. They send me the notification that I already receive the money and it will just take a moment to appear in my account. Before it's like a minute later, the money will already appear. But this last transaction that Im telling is not happen. And also I notice that I didn't receive a reference number from my XXXX account and no text at all like I always receive when I cash in in my PayPal. 

I also check my history in my XXXX if I receive the money but I didn't receive any. 

Since they send me the notification in my email that they already send the money I decided to email my XXXX account to tell them that I didn't received a confirmation text to them that I received the money from PayPal. 

I remember send the details from PayPal to my XXXX so they can also fix the issue so I will get my money. 
While waiting for my money to cash in in my XXXX account. 

PayPal send this email that I can no longer business with them. I can't see anything wrong that I did to do business with them. And it's really unfair. Because it will really affect my business. I'm worried because right now this is my only way to help my family. Can u help me to restore my account to them? 

Thank you so much

Company response to consumer: Closed with explanation