BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-06
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2023 Went to PNC Bank to withdraw funds from their ATM. I requested the XXXX inside give me larger bills than the {$20.00} bills I withdrew. I stood in line for several minutes while the one XXXX who finally waited on me, in spite of not having any Customers when I walked up to the counter. Even with that, she made me wait an unreasonable amount of time to be helped, asking for my debit card just to exchange the funds. I had just withdrawn money from the ATM machine in the building. I had my receipt in hand and yet she insisted on seeing my debit card. Even though she asked for my debit card, she did not ask for my driver 's license or ID. After giving her my debit card, she stayed in my account on the computer screen for at least XXXX minutes. There was no reason for this employee to be in my account looking around just to make an even money transaction. I asked her what she was looking for and she did not answer. Verification of an account does not take that long. With that, she proceeded to give me {$10.00} bills when I specifically asked her to for larger bills. As a result of this employee giving me so may small bills, I accidentally overpaid the workers I needed to pay. Had she given me 4 {$50.00} bills like I asked her to ; the chances of that error would have been greatly reduced. I was very uncomfortable with this employee accessing my account for that long since my Social Security number is so readily available in my account. In addition to this action, this bank always wants to access my account even if I walk in for something as minor as a checkbook register. I have gone to other banks for a check register, and they hand them out without question. PNC bank always want to upsell you on a credit card or some other promotional item.be hassled and have to sit in a banker 's office while they go into your account just to obtain a " free '' check register. Additionally, my, mailbox has constantly been overrun with offers for a credit card since the day I opened my account. In addition to that, last week I received one of many unsolicited calls from a banker at my local branch. He said it was not important on voicemail. I did not return the call because I knew it was just another sales pitch. I have never done business with a bank of this low caliber, and I will be researching to find another due to the unusual practices of PNC Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
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: Information belongs to someone else

Complaint:
I am writing this letter today to inform your company that I have inaccurate names, addresses and accounts reporting on my credit report that need to be removed. I never authorized any of this information. Your company does not have the right to report my privacy nor take action against unauthorized transactions. I did not give this company written consent to my credit report nor did I give this company written consent to have access to my consumer report. Please follow the following FRCA laws that instruct this information to be removed : - 15 usc 1681b ( a ) ( 2 ) No permissible purpose/No written instructions -Privacy act of 1974 Cc : CFPB XXXX XXXX XXXX XXXX, Washington XXXX DC XXXX FTC XXXX XXXX XXXX XXXX XXXX Washington XXXX DC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX pa 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 2023-09-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Equifax is not accurately reporting my consumer information. I have provided proof of my identity and Equifax will not accurately reflect the information which is causing me to be denied for credit.

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: CL Holdings LLC
State: SD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/2022, I was served what looked like to be legal, country documents for wage garnishment. This XXXX XXXX debt collector must have XXXX a previous judgement vs. me. The County documents have no seal of authenticity or filing dates in my county. They have the name of my employer and myself as defendant and garnishee. Not only do I not make enough money to meet the legal requirements for garnishment, I see no date where it was even filed in court. They are using County documents as a scare tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Chime Financial Inc
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have an official email stating that my SSN does not match my XXXX form. I called and provided the proper documents, only to wait a week before I called back and they said it was invalid. I waited and they said they would send it over to a specialized unit to oversee the problem. Every time I call customer service something new is a problem. They said my form of ID was not valid, so I submitted my work authorization, my passport and my state ID. They continue to say it's invalid as it does not match the address I have on my file. So in order to do anything I would have to get a new ID with my new address. Which will take XXXX weeks. This problem has been going on for the whole month of XXXX, as every time I call customer service they say the same thing. I even know to what extent they could help me and they don't have any supervisors that I would be able to talk to over there.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have possessed a Walmart Capital One card since XXXX. I have NEVER been late with a payment. On XX/XX/XXXX I was on XXXX and tried to make a purchase and was told my card was declined. I called capital one, talked with a voice prompt and they asked me to confirm I tried to make the purchase today. I confirmed I did and it said I should go ahead a place the order. Tried and it was declined again. I Called Capital One and talked to a live person this time. On the XXXX call the girl said I reached my credit limit. I said then we have fraud because I have no new purchases on the card. She transferred me to operator XXXX. That person informed me that because I had a bill of {$38.00} that was due on XX/XX/XXXX ( 7 days ago ) they shut down my entire account. I said, that's impossible. No phone call, no XXXX mail, no notice, you shut down an account because I'm 7 days late and I've never been late before?? She said that is how it's done at Capital One. I asked for her XXXX and was told she is the highest person I can talk to. I called back and talked to another person and was told the same thing. I can't believe the law allows Capital One to shut down an account without notice for {$38.00} for being 7 days late, when I have never been late before. Wouldn't a person just get a bill the next month with an unpaid balance notice and a late fee. To shut down the account is insane. Please help, this can't be the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: EQUIFAX, INC.
State: VT
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:
Equifax has an account on my report showing missed payments from a XXXX 's account. I call XXXX and they say they have nothing under my SSN so they can not help. Equifax says XXXX 's is reporting the account as mine but can not tell me how they are confirming this ( THIS is the crux of the issue... how can a reporting company like Equifax ruin a consumers credit with ZERO evidence? ) XXXX is making a mistake but can not figure out how to correct it because no accounts are tied to me or my SSN so they can not look anything up. Equifax says they need a letter from XXXX who can not provide a letter because they have no account in my name or under my SSN? So this bogus missed payments account is hurting my score and ability to refinance and there's nothing I can Do?! The credit agencies wield GREAT power yet have zero accountability, have proven to have insufficient security, and put people 's financial lives at risk, and report bogus items to innocent people 's reports which financially harms them, they extort people to pay fees to them ... and they need NO evidence, just a missed keystroke or the word of a desk jockey a half a world away to say a payment is late but they do not require an account number, any type of application verification to prove the person applied or agreed to an account, NOTHING< just the words of a stranger working at a XXXX XXXX ... no evidence, no proof, nothing... and then I have no way to argue it because I am guilty until I prove myself innocent which I can not do because nobody have any information for me to verify who this bogus account actually belongs to... but it can stay on my report and harm me?! Makes perfect sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
So I have a balance on my XXXX bofa debit card and I'm trying to get rhe balance they keep telling me to refer to my sponsor but my sponsor is telling me that they have sent them to unblock my account and there not doing it and there saying it's all bank of america they have no way to unlock 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 explanation
Consumer complaint received 2021-04-16
Company: SYNCHRONY FINANCIAL
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:
Dispute # 1 XXXX/XXXX inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. Banks and XXXX XXXX  XXXX 's phone number XXXX Dispute # 2 XXXX credit card company phone number XXXX XXXX XXXX , Florida XXXX Inquiry date XXXX These two inquiry showing on my XXXX consumer report are both fraudulent I did not consent to these inquiries they were done against my will and knowledge

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 2023-12-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Dear CFPB, I am writing to express my dissatisfaction with the resolution provided by XXXX and Experian concerning my credit report disputes. I believe their closure of my complaints lacks strong verifiable proofs and has left me in a state of frustration. 

Both XXXX and Experian have informed me that the disputed accounts were considered valid, yet their explanations indicated uncertainty due to a lack of response from the furnishers of information. In contrast, XXXX has taken a different stance, declaring the disputed account as current and invalid. The inconsistency between these credit bureaus is causing significant distress and has led to the continued reporting of unverified and invalid information on my credit files. 

This situation is undeniably unfair and reflects a lack of diligence on the part of XXXX and Experian. Their failure to thoroughly investigate and resolve discrepancies in my credit report is not only disheartening but also has tangible consequences on my financial standing. 

I kindly request the Consumer Financial Protection Bureau 's intervention in reviewing and addressing this matter. I believe that a comprehensive and unbiased investigation is necessary to rectify the inaccuracies in my credit report and ensure fair reporting by all credit bureaus involved.

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 2022-02-08
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have used TD Bank for many years and have actually enjoyed their service. However, since the pandemic began TD has closed a large number of branch offices and does not have stand alone ATMs ( that I know of ). As a result, I now have to drive nearly 20 miles to access a TD Bank branch ATM of pay a {$3.00} fee. 

It would make sense if these ATM fees were eliminated as TD is saving a great deal closing all these branches.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-09
Company: EQUIFAX, INC.
State: NY
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:
Equifax has committed identity theft, I am a consumer pursuant to 12 CFR 1022.3 ( f ), 15 U.S. Code 1681a ( c ), i do understand XXXX XXXX thinks they are a Furnisher of information and states they are required to furnishing accurate information, in fact pursuant to 12 CFR 1022.41 ( c ) ( 2 ) you can not be a Furnisher because you acting as consumer reporting agency as defined pursuant to 15 U.S. Code 1681a of the FCRA, My Identifying information pursuant to 12 CFR 1022.3 ( g ) ( 1 ) which is my name social security number, government identification number date of birth, pursuant to 12 CFR 1022.3 ( g ) 3 ) my account number which is a unique electronic identification number Used To identify me the consumer specifically, in conjunction with information regarding my transactions and experiences, which would be a consumer report pursuant to 15 U.S. Code 1681a ( d ) ( 1 ) ( A ) and XXXX XXXX  is a consumer reporting agency due to the fact such information is bearing on my consumer credit worthiness, credit standing, credit capacity, character, general reputation, and was collected for the purpose of serving as a factor in establishing the consumers eligibility for credit and has a direct reflection on my credit score pursuant to 15 U.S. Code 1681g ( f ) ( 2 ) ( A ) ( i ) In addition, pursuant to 15 U.S. Code 1681 ( b ) ( f ) ( 1 ) EQUIFAX failed to obtain a consumer report for a purpose for which the consumer report is authorized to be furnished under 15 U.S. Code 1681 ( b ) in conjunction pursuant to 15 U.S. Code 1681 ( b ) ( f ) ( 2 ) you have no certified purposes in accordance with section 1681e of the Fair Credit Reporting Act as a prospective user of the report through a general or specific certification, you have failed pursuant to 15 U.S. Code 1681e ( a ) to maintain reasonable procedures designed to avoid to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. In conjunction Pursuant to 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) you have willfully fails to comply with three requirements imposed under the Fair Credit Reporting Act failed to respect my privacy as a consumer and you are committing identity theft using my identifiable information unauthorized and by law you are liable to i XXXX XXXX  in an amount equal to the sum of {$1000.00} damages sustained by the consumer as a result of the failure In addition you have obtained information on, i the consumer under false pretenses from XXXX XXXX  who is in fact acting as consumer report agency resulting in you may be fined under title 18 pursuant 15 U.S. Code 1681q

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-02
Company: SYNCHRONY FINANCIAL
State: OH
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: Card was charged for something you did not purchase with the card

Complaint:
I was contacted on XX/XX/22 from XXXX in the fraud department regarding some claims that occurred the day before on my JC Penney Mastercard. My card was cancelled, and I was told I would not be responsible for the fraudulent charges. On XX/XX/22, I received 2 boxes labeled XXXX XXXX that I did not order. They appeared to be some type of diet supplements. I called the Synchrony fraud department and informed them of what I received. I was told to return them to the company which I did XX/XX/22. The statement I received dated XX/XX/22 listed the company I received the boxes and returned to as XXXX XXXX. The charges were for {$60.00} and for {$190.00}. I never heard of the company, nor did I ever attempt to purchase from them. The next statement dated XX/XX/22 shows the credits from the company XXXX XXXX for the 2 boxes I returned. {$60.00} and {$190.00}. It also showed 2 purchases from some place called XXXX XXXX ; 1 for {$59.00} and 1 for {$190.00}. I received a letter from Synchrony Bank dated XX/XX/22 stating that since the purchased items were shipped to my address that they would not approve my claim. I only received the 2 boxes and returned them as I did not order them. If I had ordered them, I would gladly have paid for them. I contacted the fraud department again to tell me what merchandise I supposedly received from XXXX XXXX. They said they were vitamins, but they could not give me a contact number for me to call the company. I did not receive anything from XXXX XXXX. I am still being charged on my JC Penney credit card for this XXXX XXXX, which the amounts are similar to what the fraudulent charges from XXXX XXXX were. I was contacted about the fraud from the beginning, but I am the victim of the fraud. I cancelled the new card they sent me on XX/XX/22 when I received the letter from them stating that I was responsible for the charges.

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 2023-01-10
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo XXXX regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes XXXX law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Owed : {$14000.00} XXXX XXXX XXXX XXXX Balance Owed : {$5200.00} XXXX XXXX XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: Experian Information Solutions 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:
The 90 day delinquent showing XXXX is incorrect, we have not been late 90 days, we are uploading proof. We have asked mortgage company to remove but they won't and they have all our documentation and said because we finished our forbearance and now in MOD stage, they will report all lates to bureaus. What is mind blowing here is that we continued to make our regular mortgage payments and IGNORED THE MOD LOWER PAYMENT, we aren't delinquent. It's their protocal but so unfair because they are reporting to bureaus incorrectly. Please help us.

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