BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
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 husband had a credit card with bank of America. he opened it in XX/XX/XXXX. I never co signed on this account, I never had a credit card to this account, don't know the credit card number or verbal password to the account. My husband 's daughter got power of attorney over her dad and then he passed away on XX/XX/XXXX. That's when I find out my name was put on this account without my permission. I have tried on countless occasions talking to bank of America about this matter and they will not listen to me. I keep telling them it was fraud what my husband did. they keep telling me I owe this money on this account in which I never had a credit card to. I never made purchases with the credit card, because I never had one. I  guess the credit card is with his daughter in XXXX where she lives. I have talked to bank of America about it and they want to argue with me and say I am reliable for it. my step daughter used this credit card 2 days after my husband passed away. I am a XXXX woman who can hardly walk and they are treating me horrible. and because they wont listen my credit score is dropping. Like I said I had nothing to do with this credit card. please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Select Portfolio Services denied My legitimate Hardship request and will not provide a reason why I cant be put back on my original repayment plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
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: Information belongs to someone else

Complaint:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
This complaint is about American Express didnt make any effort to investigate my dispute ( XXXX XXXX. XXXX ). I also tried to resubmit the dispute, however American Express continues neglecting my dispute and mark it closed on its own end. 
The merchant in this dispute - XXXX XXXX XXXX XXXX XXXX is a fraudulent XXXX ; I was overcharged for {$120.00}, which is clearly proven in my XXXX XXXX statement - patient responsibility section. I have submitted all the proof and communication between me and the merchant through American Express manage disputes portal. The merchant has already acknowledged they overcharged me {$120.00}, but I have never received the refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-09
Company: EQUIFAX, INC.
State: TX
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Today, I called Experian ( XX/XX/2018 ) at XXXX. This is the phone number on the credit report that I should call to dispute an inaccurate item. I need to dispute a mistake. 

The automated service answers the phone and asks for my social security number. I punch it in. Then I have 2 options : 1 ) fraud or 2 ) order a credit report. There is no option to dispute the items. 

So I researched the web and found other Experian phone numbers. I called XXXX and got the same system and responses. 

Finally, I decided to call the original number ( XXXX ). I did not enter my SSN. By not doing this, I was able to press 2 different numbers and dispute over the phone. But, as soon as I got through, I got a wait time of 13-15 minutes. This is too long. I have 3 bureaus to dispute and this is way too hard. Experian just wants me to use the web. However, my situation is complicated and the web form only allows limited number of words. I need to be able to talk with someone.

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 2016-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
On XX/XX/2016, I received an updated credit report from Transunion about some public records that I disputed. I got the results back only to find out that XXXX things that I had disputed had been overlooked, they never reported any updated information about the remaining XXXX public records. I have called, written, faxed, and e disputed these items..I talked to a representative on XX/XX/2016 and she assured me that the items would be removed in 24/48hours..I called on XX/XX/2016 only to find out that the items had n't been removed but she opened a new dispute for the remaining public records..I am asking that the my request for the records be removed immediately.. The dockets numbers are XXXX and 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 2022-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 ) I sent a letter regarding inaccurate accounts, bankruptcies 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 XXXX data breach and may have got into the hands of the wrong person.

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 2022-05-23
Company: RentDebt Automated Collections, LLC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX 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 : Its also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: PNC Bank N.A.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019 I received an email from PNC Bank XXXX my mortgage servicer ) stating that my automatic payment of my mortgage was processed, however I noted the amount was double that of my mortgage payment. I verified with my checking account that two payments were removed on XX/XX/2019. One of which was the authorized mortgage amount of {$2000.00}. A second, unauthorized payment was also processed from my bank account in the amount of {$2000.00}. 
I then attempted to login to my online banking account and was found that I was locked out of my online banking portal with PNC bank. Therefore I could not verify my loan payments having been made and received. 
I then called PNC bank and spoke with a customer service rep ( XXXX ), he alerted me that PNC was aware of the situation and I had two courses of action, 1. receive a mailed check in the amount of my duplicate payment, this check would take 10-14 days via mail. 2. I could go through the verified process to receive a wire transfer in the amount of the duplicate payment. I told him that I could not wait 10 days to receive my funds back and that this was an unauthorized payment made to PNC that they needed to fix this problem. He alerted me that my only other course of action would be to call my personal bank and stop payment on the second unauthorized amount. 
I then called my personal bank, they told me the funds could not be stopped on their end but they were still pending and there was no reason PNC bank could not cancel the transaction in order for my funds to not be taken out of my account. 
- I called PNC bank back, I spoke with XXXX who gave me the same 2 courses of action as I was originally told. When I asked him to simply cancel the second unauthorized payment he told me that PNC bank does not cancel payments ... .. I escalated to his supervisor ( XXXX ) she verified that PNC bank would not cancel the payment on their end, she alerted me that " upper management '' is aware of the situation, she did not know how they would return my funds or when I would receive them but I was to trust her in knowing that they are working on it and my funds would be returned. I asked how they would correspond with me going forward, and she said they would not initiate any communication, I would need to call back to find out more information about my funds. Meanwhile, PNC bank has {$2000.00} of my money that I did not authorize them to take from my account and I have no repercussions in knowing when they will be returned to me, if I will have my funds to pay the rest of my bills for the month and feed my family and I am left with no answers as to when or how my money that they took from me will be returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it 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 2023-05-09
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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2018-05-11
Company: U.S. BANCORP
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
The problem involves pre-paid Visa and XXXX issued by U S Bank National Association. They adverstise on the packaging and the cards that you can check your balance and itemized charges on their website XXXX The site seldom if ever is available so you end up having to call to check the card balance. If you want itemized charges they read them to you. 
Takes forever There are thousands of references to this problem if you XXXX it up. 

Don't know if anyone can fix this. but it would be great.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: WELLS FARGO & COMPANY
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
On XX/XX/2023 I was driving to XXXX when a phone call came in from a man claiming he was from the XXXX  XXXX XXXX. He asked me if I knew a XXXX XXXX. I said no. He said the guy was using my XXXX at Wells fargo to try and get two different transactions of each one was XXXX and XXXX. He then said he needed to transfer me to a Wells Fargo Rep to verify I am who. The man from Wells Fargo also said he needed to verify my name and for me to go to XXXX and put in my name as a recipient. I was skeptical and kept saying to him, I hope you are not scamming me. He kept saying oh no. So dumb me put in the recipient name on XXXX as he asked XXXX. The he proceeded to first try and have me put in XXXX or so to the recipient of XXXX. My XXXX would not do for that large of an amount. Once he got me to put in XXXX I hit send and it went out of my account. I asked for his name which he said was XXXX XXXX and his agent number which he said XXXX. I said to the man, oh that's convenient. The Wells Fargo fraudulant person said they would notify me in a day to get my money back. 

I immediately called Wells Fargo, it took them one day and they closed the fraud. I have been reading a lot on Regulation E for banks and how there are new guidelines for the banks to pay back their consumers. Of course the bank would not acknowledge this but XXXX XXXX is pushing for the banks to reimburse their customers. My claim number at Wells Fargo is XXXX. I filed the claim on XX/XX/2023 and on XX/XX/2023 they closed it. They told me the money went to a XXXX XXXX. 
Can you please help me receive my {$990.00} back under the new guidelines of Regulation E. I was tricked in to this.

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 2022-05-23
Company: EQUIFAX, INC.
State: LA
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 name is XXXX XXXX and this is a statement verifying my proper identity. There is incorrect information on my consumer report that continue to appear on my report. Remove all old address information other than what is shown on my identification, and I don't reside at any of the other addresses listed on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I am a victim of true name identity theft and I periodically check my credit bureau reports for activity and to dispute items on my reports. I have had issues with Transunion in obtaining my credit reports and each time I try to access my reports online, I get an error stating that " Unfortunately, your request can not be fulfilled online at this time, based upon the data provided. '' Its the same information that I have provided time after time and I continue to get the same error and when I call the number they want me to send this laundry list of items to get my report. 

Additionally, when I am able to get my report, Transunion does not complete a full investigation and continuously labels my disputes as verified and when i contact the information providers they state that they never received any dispute information. In one situation, I disputed an old bankruptcy and it came back verified and would not be removed yet when I contacted the clerk of the court, they had no record of anyone contacting their office from any credit reporting agency. My social security information on my petition was redacted and when I brought this to the clerk of the courts attention, I was told that they do not give information to any third party including personal information. I believe they are obtaining information unlawfully as well.

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