BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-08
Company: Experian Information Solutions Inc.
State: CA
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  Account # 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 In accordance with the Fair Credit Reporting act XXXX XXXX  Account # 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 a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 In accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights XXXX  XXXX XXXX Account # XXXX XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) Account # XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account XXXXXXXX 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 explanation
Consumer complaint received 2022-11-20
Company: PNC Bank N.A.
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I, the consumer and natural person, was denied an account by PNC BANK when I applied for a XXXXbalance account and my documents, including a security instrument, were supposedly destroyed and not returned to me which is required by law. 
On XX/XX/2022 I made a deposit into the XXXX  XXXX XXXX in the outside deposit drawer of PNC at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Please see attached deposit items ). 

On XX/XX/2022, PNC assistant branch manager XXXX XXXX called to confirm my request and refused to open my XXXX balance account per the instructions in the deposit envelope. 

I, then requested on the same date that she have the legal department to review my documents and open the account as requested. As of XX/XX/XXXX, XXXX claims they ( the legal department ) rejected the documents ( message via another banker who answered the phone as she was busy ) and she never called me back as requested the week prior with an update, nor has she returned my documents. 

On XX/XX/2022 I sent a complaint via email and fax. 

On XX/XX/2022, XXXX XXXX, Vice President PNC Bank, XXXX  Client Relations XXXX XXXX, called to enlighten me that PNC does not offer this type of service despite it being on their website. She stated that she did not know what I was talking about. A very unfruitful conversation that ended in me requesting my documents back and her agreeing to do so. Here is the link : https : //www.pnc.comXXXX  As of XX/XX/2022, XXXX XXXX XXXX Vice President PNC Bank XXXX XXXX Client Relations XXXX XXXX, called to inform me that the documents were destroyed by XXXX XXXX at the XXXX XXXX  XXXX XXXX 

I am requesting my XXXX-balance account be opened per my instructions along under your treasury measurement services immediately upon receiving this request. I also would appreciate her returning my documentation asap that is identity theft because they scanned these documents and continue using them without my knowledge. All banks have the right to use my information as they see fit since I agreed to be a member of this bank and I would like to be able to benefit from my instruments and data being used without my authorization just like them. 

I would greatly like to have someone return a response to my request at your earliest convenience. If this transaction is not possible, I need in writing as to why I am not allowed to open this type of account although its blatantly advertised on their website. This is false misrepresentation and identity theft. Thank you XXXX XXXX Governs this transaction as all debts are pre-paid and access to my treasury account is granted by me extending credit to PNC via the instrument they claim was destroyed, but once accepted they must honor it. XXXX XXXX is another law/statute that states once a negotiable instrument is presented it must be honored.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
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:
MY PERSONAL INFORMATION HAS BEEN COMPROMISED AND THERE ARE FRAUDULENT ACCOUNT ON MY CREDIT REPORTS EQUIFAX XXXX AND XXXX ARE REPORTING INCORRECT DATA AND ACCOUNTS THAT DO NOT BELONG TO ME AND THERES ALSO ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX 2. XX/XX/XXXXXX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX 4. XXXX XXXX 5.XX/XX/XXXXXXXX. OF XX/XX/XXXXXXXX 6. XXXX BANK, XXXX XXXX ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME WHICH WAS ALSO USED TO OPEN UP FRAUDULENT INSTALLMENT LOAN ACCOUNTS IN MY NAME I HAVE FILED A POLICE REPORT ABOUT THE ACCOUNTS FROM THE FOLLOWING CREDITORS I HAVE BEEN DISPUTING THIS MATTER SINCE 2021 AND THE CREDIT BUREAUS ARE NOT RESPONDING IN A TIMELY MANNER AND THEY ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME ALONG WITH THE FACT THIS IS HAMPERING ME FROM HAVING GOOD CREDIT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: Experian Information Solutions Inc.
State: MN
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:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2023-03-02
Company: Experian Information Solutions 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:
I reviewed my Consumer Reports and noticed that I had a few inaccuracies on an account. Consumer Reporting Agencies have assumed a vital role and have a responsibility by law, to report Consumer information to the best of their ability with Maximum Accuracy. I have inaccuracies reporting on the following accounts : Account Name : XXXX XXXX  Account Number : XXXX Please investigate and provide valid Proof with statements showing that these payments were late. If Valid and substantial proof can't be provided I demand these inaccuracies be removed from my reports. 

Signed : 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 2023-07-31
Company: EQUIFAX, 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 second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXXXXXX Balance : XXXX XXXXXXXX XXXX XXXX Balance : XXXX  XXXX XXXX XXXXXXXX Balance : XXXX  XXXX XXXX XXXXXXXX Balance : XXXX XXXXXXXX XXXX XXXX Balance : XXXX  XXXX XXXX XXXXXXXX Balance : XXXX  XXXX XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
XXXX XXXX XXXX USAA Member No. : XXXX Car Note Loan No. : XXXX In XX/XX/2021, I filed a formal dispute with USAA Federal Savings Bank regarding the reporting to the credit reporting agencies of my car payments as being " 30-days late '' every month from XX/XX/2021 when they were being paid as agreed. 

As a result, an agreement was reached on XX/XX/XXXX, copy attached, with the relevant portion, " We are writing to inform you that the delinquency in dispute has been removed from the account history. These agencies normally update credit information within 45 days. '' Even so, as of today 's date, USAA is still continuing to report my car payments as being " 30-days late '' in violation of the agreement and the FD CPA 807 ( 2 ) ( A ) in that it is falsely reporting " the character, amount or legal status of any debt. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: EQUIFAX, INC.
State: LA
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:
I am requesting that your company provide me with debt validation and the Health Insurance Portability and Accountability Act ( 'HIPAA XXXX authorization. Be advised, this is NOT a request for " verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g et seq. of the Fair Debt Collection Practices Act ( " FDCPA '' ). See. Reference Above At this time, I will also inform you that a HIPAA-covered entity or its business associate violated my health information privacy rights and/or committed another violation of the Privacy, Security, or Breach Notification Rules. I do not recall giving permission to release my medical information to a third party. am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore my request is twofold-validation of debt and HIPAA authorization . COMES NOW, I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay vou. Please provide the following 1am requesting that the HIPAA-covered entity or its business associate provide debt validation for an account in question. Please provide debt validation in the form of agreement an original bill, and a detailed statement of procedures is required. If any please provide a breakdown of fees, including any collection costs and medical charges, if any Please provide a copy of my signature with the provider of service to release my medical information to you. Please provide a report of comparative analysis between the dubious signature and the signature recognized by the alleged signer. if any. Cease any credit bureau reporting until the debt has been validated by me Please provide me with a vented certificate of authority. and proof that your company is licensed to collect debt in my state. Kindly provide me with a license number and registered agent or agent of service Finally, please provide an affidavit signed under Penalty of Perjury that your organization has not violated any portion of the FCRA, FDCPA, HIPAA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: Preferred Collection and Management, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I called and wrote to this collection company representing XXXX XXXX XXXX XXXX. 
I sent all my medical insurance Ids. I ask for a break down of the billing. receipt of payments from whom balances. I wish to pay for the correct amount. Need to know in clear written language who owes what ... I am not a accountant and cant read all these scribbled notes. 
Perferred Collection and Management services Tel XXXX Reference # XXXX Client Acct Number XXXX Amount Due {$81.00} DISPUTED

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Block, Inc.
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
Ok here 's the deal I have been having a major issue these last few years with cashapp just straight up keeping my money. They have stolen about {$5000.00} from me I'm the last three years or so. I lost proof to many of what I'm saying but I have emails going back around two months or longer where someone sent me XXXX for some items I had for sale and cashapp won't deposit the money to my account.i have sent around {$200.00} dollars in there so called fees to receive the money but still they are constantly coming up with excuses and steadily trying to get more money for so called fees and such .I have asked them numerous times about the money and it's always immediate after I pay the fee that they will deposit it but I send the fee and still no money deposited to my cashapp as promised.like I mentioned early on I have lots of emails from them with are entire conversations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Having completed the required three-month trial payment period,XX/XX/XXXX-XX/XX/XXXX, on XX/XX/XXXX we received an acceptance/eligibility letter from Nationstar Mortgage for a Home Affordable Modification on our mortgage. We completed and returned the agreement in the pre-paid envelope by the designated date of XX/XX/XXXX. Receipt of documents were confirmed and we continued payments -- the first new monthly payment for XXXX ( continuation of trial payments ) of {$1500.00} @ 3 % interest for 483 payments and made XX/XX/XXXX's monthly payment ( monthly principal/ & interest payment amount {$850.00} ; monthly escrow payment amount {$660.00} ). On XX/XX/XXXX we received another modification agreement with change in the " new money '' from {$100000.00} to {$74000.00} ; the monthly payment changed to {$1500.00} @ 3 % Interest for 480 months. We called Nationstar and spoke to XXXX XXXX questioning new modification documents AND as to why on their website on my login page there was message " Your account is not eligible to make payments. Please call us ... '' XXXX XXXX said that Nationstar was " re-doing the modification '' and that I after I signed new agreement, payments would be accepted. We signed the new modification agreement and returned them within the designated time frame.
We called Nationstar weekly and were told they were working to correct some errors " they had made ''. We checked our account on their website several times during the week and saw the same message " Your account is not eligible to make payments. Please call us ... '' which we continued to do. <P/>On XX/XX/XXXX we received a letter ( dated XX/XX/XXXX ) informing us that we had been denied HAMP 1 Tier as we 've " ... exceeded allowable number of modifications ... '' and HAMP Tier ll was declined because " ... offer not accepted by borrower/request withdrawn ... '' This is not true. It also states we did not make trial payments which is not true! They are now asking for money ( {$61000.00} ) that according to modification agreement was rolled back into loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: RENASANT CORPORATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
XXXX XXXX of XXXX XXXX received a wire transfer in the amount of XXXX after impersonating a different XXXX XXXX on XXXX  and acting as if he was a crypto trader. He sold his services and once the wire transfer was complete he said he started trading the money. He stated that my return would be available in 7-14 days. Today he advised that the exchange was complete and I could withdraw the money. I initiated the withdrawal but he sent an email to me stating I needed to pay 10 % commission prior to him releasing my earnings. I asked him to take the commission out of the earnings. He said his company could not do this that I had to send him the XXXX. I asked him to call me he sent me a XXXXXXXX XXXX # to call him on. When I confronted him about it being a scam he immediately hung up on me. I asked him to release my initial investment and he could keep the profit but he quit responding. Im out XXXX and have no idea how to even contact this person because the real XXXX XXXX is saying he was hacked on 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 2023-05-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
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 in direct violation of th fair credit report act. XXXX XXXXl c/o XXXX XXXX XXXX, XXXX bank, XXXX  XXXX and XXXX XXXX XXXX  credit card bank XXXX XXXX bank XXXX has violated several of my rights. 

15 U.S-C 1631 section 602A.clearly states that I have the right to privacy.

15 U.S.C 1631 section 604 A. section 2 ; it also state a consumer reporting agency can not furnish an account. without my written instructions.

15 U.S.C 1666/A creditor may not treat a payments on a credit card account under a open ; end consumer credit plan as late for any purpose.

Please the late payment and update this account remove immediately as they are in a direct violation of several laws under the fair credit report act. What Happened : In cases of a charge off showing on a credit report, a company in required to send the consumer a 1099 for the amount of the charge off. That has not happened. I have not received a 1099 for any charge offs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This account with XXXX XXXX XXXX was paid satisfied in XX/XX/2018, it is showing up on XXXX and Trans Union as a derogatory CHARGE OFF. It was never a charge off and my payments prior to settlement were on time. I verified this with the Company but they have not changed the credit bureaus status.

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 2022-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 called Capital customer service to tell them I will be working in XXXX for most of year and need XXXX XXXX  code sent to international number. Agent indicated that not possible. 
I asked if she could verify me to get into account while I was on phone with her, she said only code to XXXX XXXX can open account (! ) All my banking and credit cards send code to international number I replaced in website or email to get code. 

Capital is so inflexible for XXXX XXXX I would like to urge management to be flexible for international travellers to get XXXX vis other means ( email or a non XXXX number In addition allow an email address for customer service to access because of time differences not easy to call Please resolve this issue as I have stopped using CapitalOne until more reasonable response is proposed. 

Please send me last two months XXXX XX/XX/2022 ) of my statements to me on line as I can not open to check my statements

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Experian Information Solutions Inc.
State: FL
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, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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