BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-28
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: Information belongs to someone else

Complaint:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

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 2017-03-22
Company: AFNI INC.
State: VT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
ACME, a 3rd party collection agency has apparently purchased debt collection from a debt I have with XXXX which I disputed and which they ( XXXX ) refused to dismiss and instead sold out for collection. 

ACME has called from the phone number ( XXXX ) XXXX multiple times. I have asked them to stop calling me and told them they are I have not authorized them, XXXX or any other prior debt collector who purchased this debt to contact me on my home or cell phones. Each time I tell them this they argue with me and they persist in calling even though I have told them that doing so is illegal and I would report them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: PNC Bank N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX, I am notifying you in writing of the ongoing issue I am having with PNC. 
On XXXX-XXXX-18, check # XXXX was cashed for {$7500.00}. The balance owed to PNC Visa was {$1500.00}, an overpayment of {$6000.00}. I was the one that caught this error, not PNC. 
After speaking with many people in the escalations department and local assistant branch manager, XXXX XXXX PNC, I received notice ( in writing ) that the {$7500.00} was returned to my account. 
For statement ending XXXX-XXXX-18, I received a statement for charges made to my Visa for {$4800.00}, which would have been about 3 months of charges and was almost accurate with credits for past due and finance charges needed. 
The issue is that on XXXX-XXXX-18, check # XXXX was cashed again for the 2nd time, without any notice. 
The 2nd problem is that this {$7500.00} payment has not been applied to my Visa account. 
The {$7500.00} has been removed from my checking account but not applied to my credit card. 
No one can tell me where the funds went. 
I spoke to XXXX XXXX on XXXX from XXXX to XXXX, she assured me that this would get this resolved in a couple of days and that she would touch base with me on Friday, XXXX. 
I did not hear from XXXX on XXXX, so I called and left a message at XXXX on XXXX. 
She did return my call later that day letting me know no progress has been made. 
As of today, XXXX, I left XXXX another message at XXXX, no progress or any kind of resolution has happened to my missing {$7.00}, XXXX. XXXX. 
This is the worst customer service issue I have ever experienced. 
After having a 28 year experience with PNC, my disappointment and frustration is at an all -time high. 
I expect immediate resolution of this issue. 
I have spent hours trying to resolve this issue with no success. 
I would like the {$7500.00} returned to my checking account, all late fees/finance charges removed, and an accurate statement of the charges owed on this Visa account. I will pay the balance immediately once Im satisfied that the {$7500.00} is returned and WILL NOT BE removed again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to report unauthorized inquiries and credit accounts that have appeared on my credit report. I have noticed these entries on my credit report and have reason to believe that they were not authorized by me. 

I request that the CFPB take immediate action to remove these unauthorized inquiries and credit accounts from my credit report as soon as possible. These unauthorized entries are damaging my credit score and causing me undue stress and worry.

I would appreciate your prompt attention to this matter and your assistance in resolving this issue. Please let me know what further steps I need to take to ensure that this matter is resolved. 

Thank 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 2017-03-06
Company: Zenith Financial Network Inc
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
this company zfn and associates have been threaten me to go to jail also have faxed my job asking for my routing and bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am going through a divorce currently and was required by the courts to pull my credit and show any and all joint accounts. Upon doing so I realized there are numerous accounts and inquires on my credit reports that were not done or authorized by myself. The account 's show addresses and information that is not my own nor ever authorized by myself. I currently reside at XXXX, CT XXXX yet these accounts are literally all over the country. I have attached a police report advising several accounts and inquires that need to be removed. I would also like a free updated credit report sent to my address once these accounts are removed as required under FCRA. I will list the information I see that needs to be removed. I have followed the law to a T and these accounts need to be removed within 30 days without question. 

Accounts : XXXX. 

Inquires : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: Experian Information Solutions 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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

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 2018-11-07
Company: JPMORGAN CHASE & CO.
State: GA
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 filed a dispute for a charge of {$1800.00} that was a fraudulent company impersonating my timeshare company. I have spoken to Chase several times to resolve this for several hours. XX/XX/XXXX I was told it would be corrected after having a 3 way call with their fraud and dispute department. I received the credit on my statement, which was done twice erroneously, and corrected the next day. The correction, however, was done to both credits so I called again to have it reremoved and one person said it would be taken care of because she saw the error and had to transfer me to the right person to do so. That person then told me it showed I called to say the charge was valid which was both untrue and made zero sense. I have almost 20,000 in charges from XXXX XXXX XXXX and have no qualms paying for my legitimate charges but would appreciate assistance in getting fraudulent charges removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This Consumer Note is my official call for you to discontinue reporting the items below-displayed and the aforementioned contested allegation in its reportability and challenged for its evident certified compliance of reporting only true, accurate, complete, timely, and otherwise physically verified and validated claims. Due to at least these few compliance issues in your current reporting, I demand you prove beyond doubt your claims ( s ). 
This COFF item is deficient as reported, as below-displayed in evidence of uncertified *HRCF12 questionable even poor reporting. Per Federal reporting regulations all claims MUST be to a maximum possible accuracy and maximum possible completeness, and even the reporting mandates related to the standard of certifiably compliant reporting is that there be no swaying from the XXXX @ FORMAT compliance since, I wanted to inform all parties that in the last thirty ( 30 ) days I have contacted the Federal Trade Commission. The bureaus have not responded and the Federal Reporting Agency has not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information.

I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days. 
Please delete the following account the are not accurate : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX the above accounts are not correct. I have challenged them before.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-12
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I moved out of XXXXXXXX XXXX in XXXX of 2022. They charged me for my entire security deposit ( roughly {$3000.00} ) and wanted another {$470.00} for damages. 

I already disagreed with what they did. We left that apartment in great condition and they said they had to replace ALL the carpet which was absolutely unnecessary. 

I didnt have the willpower to fight them and just dealt with the loss of my deposit. That {$470.00} is not a debt, its a dispute and they legally have to take me to court for that money if they want it. 

Instead they said it was a debt and sold it to a collection agency. The email I got I thought was fake until XXXXXXXX XXXX sent me an alert about my credit report. 

XXXX sold this fraudulent debt to Columbia Debt Recovery on XX/XX/XXXX. 

I dont know what to do. I was finally recovering from my bankruptcy, and preparing to buy a house now that Im finally out of the XXXX. 

Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: GMFS, LLC
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
GMFS issued XXXX separate escrow payments to our parish taxes both in the same amount of {$1000.00} on the same day. So a total of {$2000.00} was deducted from our escrow account. Immediately we contacted GMFS to notify them that they needed to correct the issue. They stated that a stop payment was placed on one of those checks and that they would refund the {$1000.00} to our escrow account within 30 days. They have not returned the {$1000.00} to or escrow account and have adjusted our mortgage payment higher than our contract dated on XXXX/XXXX/2016. Our escrow balance should be {$1900.00} and instead it is $ XXXX They have not resolved the issue and I would like to file a formal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-28
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have not received my court ordered XXXX settlement. Why are keeping my check? 
Your banking activity towards customers has not changed. Please explain why?

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 2023-04-28
Company: WELLS FARGO & COMPANY
State: WY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was charged a large amount of overdraft fees and after it not being resolved, I closed my account in 2022. I did not receive a settlement regarding this and would like one.

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 2023-04-28
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
ordered a copy of my credit report reviewed the copy founded to many wrong names, addresses and past work names

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 2023-02-22
Company: EQUIFAX, INC.
State: MD
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 have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that DON'T belong to me. I DO NOT have any idea regarding these fraudulent accounts on my credit report. These accounts are NOT MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was denied a home loan by Wells Fargo after submitting multiple consumer credit/loan applications with branch employees in XXXX XXXX, NV in XX/XX/XXXX. I have received emails from the institution for years warning me of various account changes despite my not having any accounts that I know of with them. I received emails stating my account was opened, changed, debited ( overdrawn ), or somehow accessed ever since submitting those applications for loan products ( mortgage/home loans ). These emails looked very legit and came as regularly as any open account would receive notice from the bank. I reviewed them for phishing and while they looked legit, I knew I did not open any accounts on the few occasions I entered the bank 's branches and submitted apps or inquired about products even though each visit required I provide the bank 's staff with my personal information including copies of identification. I believe the fake account has created a negative impact on my credit score, ability to obtain credit, and ability to obtain fair lending as over the years I have seen various transactions on my credit reports that refer to Wells Fargo but I assumed were errors. There were home loans in excess XXXX , auto loans for thousands and collections charges for accounts that were closed with Wells Fargo connected to them. I disputed the reports informally but with time restrictions on how long items sit on credit reports, some of those charges have automatically been removed from my credit report. 

I learned of the fraudulent accounts created in XX/XX/XXXX and am aware that some citizens hurt by this scam at Wells Fargo may have never even actually owned an account. Some may have been victimized in the ways in which I was victimized by taking my identity and opening the accounts after refusing me service/products at the counter. Initially, I believed it was a matter of discrimination based on race/gender/ethnicity and I still believe those things may have played a factor in my denied loan applications and resulted in the fraudulent account assigned to my name that resulted in email notifications about the account activities and credit reporting.

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 2019-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This account was already blocked by the FTC and outlined in my complaint the charges showing as charge-offs are not only incorrectly displayed but also the result of unauthorized charges the account was closed behind me because of it and the deposit held for the remainder of the charges by the bank

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 2023-02-17
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:
When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX 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 2022-10-13
Company: EdFinancial Services
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My loan service EdFinancial are terrible when it comes to requesting a refund for student loans payments made during the pandemic forbearance. Every individual that made student loan payments during the pandemic has a right to ask for a refund and should get it. I asked for a refund ETA and they gave me the run around and said they don't know when they will get me the payment. They also said they will not send out confirmations that they've submitted for a refund on my behalf. Not even an email confirmation. That's ridiculous and very frustrating especially since there is a lot of uncertainty. I feel like EdFinancial are lying and don't want people to get their refunds back. It shouldn't take that long. This is just ridiculous. I should get refunded exactly this amount : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We filed bankruptcy almost two years ago but reaffirmed our debt with Wells Fargo. We have not been late on one payment yet they refuse to report these good payments to the credit bureaus. I am trying to rebuild my credit and would like to see all of these payments back dated on my credit report or at least start reporting again. I have called them twice but I get the run around.

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 2022-05-05
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had a credit card with Macys with {$100.00} limit and I had it on an autopay but after I left the country for a vacation the autopay was disabled and I never received a notice in my email or phone number about the due date and before I returned it was already reported to collections so I believe this was intentional as I already had a few issues with Macys where they sent a threat emails using XXXX account. also, they reported to the credit without sending me any notification or options to payoff. It appears like they rushed to report to the credit bureau

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 2017-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
I recently visited XXXX, XXXX, and Transunion websites and purchased the credit score and reports products. The issue is that when I apply for loan through a lender all XXXX credit scores were completely different and drastically lower than what the website showed compared to what the lender provided me with. I contacted the XXXX credit bureau 's and they told me my score was based off educational score which when explained to me did not make sense. I then contacted lender and went to there office provided the online scores from each credit bureau 's. The lender explained that scores would vary but should n't have varied that much. XXXX shows XXXX actual XXXX ; XXXX shows XXXX actual XXXX ; Transunion shows XXXX actual 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