BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-13
Company: ERC
State: UT
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 have multiple dates of inquires. Almost daily. I put fraud and security alerts buy my credit is still being ran almost daily.     Also, A deleted account for {$2500.00} for  XXXX  reappeared even after the first dispute, they could n't verify the debt and it was  deleted.now it  reappeared thru same collection agency even tho they did n't verify debt in 30 days as stated in FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is a follow-up complaint to CFPB complaint  XXXX , which I filed on  XXXX / XXXX /  XXXX  . The reason for this complaint now is that Bank of America failed to address the specific issue and questions I raised regarding its ownership status of my note and mortgage, so I 'll try again.     Has Bank of America, or any of its subsidiary or related companies, ever owned the note and/or mortgage that was used to finance and secure the debt on my residence?     The previous answer, sent in a letter from  XXXX   XXXX  and attached herein, only addressed whether or not BOA serviced the loan.     However, to be clear, I 'm now asking, pursuant to the federal law regarding 'Qualified Written Request ', if BOA ever owned the note and mortgage regarding the subject property.

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 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
There are too many inaccuracies in my report and i have filed disputes with Trans Union on the dates below TransUnion. 
- 1st Letter XX/XX/XXXX - 2nd Letter XX/XX/XXXX - 3rd Letter XX/XX/XXXX It is over 90 Days i still do not have a response or report of investigation, that is if they did any. It is obvious that i am taken for granted and they are taking advantage of the situation and they are depriving me of my right to dispute. The report has caused me great distress and XXXX. 
According to the FRCA Law, Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly states that a failure to investigate and report any disputed inaccuracies or error within 30days it gives a reason to immediately remove those items from my credit report. it has been over 90days, so they should be deleted immediately.

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 2023-03-06
Company: EQUIFAX, INC.
State: IL
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 filing this complaint due to the fact that I have been a victim of fraud and identity theft. I just discovered going on to my credit reports and really looking at what credit means, figuring out that someone had my information. On my credit report there is 2 hard inquires that I never authorized or had knowledge of. The 2 hard inquires are XXXX and XXXX XXXX. I knew that I never gave these creditors my information so I went ahead and disputed them off all 3 of my credit bureaus. Only one credit bureaus have been successful. Now that I have been struggling to get these off my report I contacted the original creditors stating the same thing and they validated that these were not mine and stated that they would contact all three bureaus stating these were identity theft, fraud, and to have them removed immediately. Now here I am still contacting the bureaus wondering as to why these inquires are still on there. I am filing this asking what XXXX stated I needed after all these steps. I need a identity theft report sent to them and Equifax credit bureau about the XXXX XXXX inquiry. I need 2 identity theft reports. OnXXXX for Equifax and one for XXXX. Please and thank you. I attached both credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13
Company: BBVA FINANCIAL CORPORATION
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I and my wife discovered that after our contract agreement was assigned to  BBVA Auto Financing,  that our agreement/promise to pay, was deposited into an transaction account, opened in our name, without our permission, and monetized, that was concealed from us. We are requesting full disclosure of that deposit slip associated with our loan, and a receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting 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 writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2021-12-17
Company: OPTUM BANK, INC.
State: AR
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:
XXXX transferred my HSA in late XXXX. I got my first statement in XXXX XXXX. 
XX/XX/XXXX I called asking for a closing form. I was told I had to wait 24-48 hours for that to process. 
XXXX I called. XXXX said she would add a 'ticket ' to the request. I was told to wait 24-48 business hours. 
XXXX I called. XXXX immediately emailed me the closing form and explained that I needed a 12-digit account number and the 16-digit access number which should have been sent to me separately. I had not received this and asked for these to be sent as this can only be done by mail. 
XX/XX/XXXX I calledXXXX said the kit had been mailed XX/XX/XXXX and the card on XX/XX/XXXX so I should wait. She said they are sent in " unmarked white envelopes. '' XX/XX/XXXX I called. XXXX said that the account had been closed and a check had been mailed on XXXX XXXX. She refused to state where the check was mailed. ( XXXXXXXX XXXX XXXX, at my request, had mailed a request to transfer the HSA in early XXXX ). XXXX now refused to remail the kit and card because the account was " closed. '' XXXX I called because neither I nor XXXX XXXX had received a check. XXXX stated that the check was mailed XXXX and she did not know why XXXX would say XX/XX/XXXX. ( though I notice that that way I was prevented from receiving my needed account numbers ). She refused to say where the check was sent. 
XX/XX/XXXX I checked with XXXX XXXX. They had not received a check nor had I. 
XX/XX/XXXX I spoke to XXXX who had assured me they could help if there were any problems with the transferred HSA. After inquiry, they found that because the HSA had been transferred twice and also because of the privacy act they could not give me any account numbers or help me in this matter. 
Both XXXX and XXXX refused to say where my money was sent. XXXX seems to have made up the XXXX XXXX date and thereby continued to deny me the account numbers I needed to control my account. Not until I talked to the 3rd person did some one stop pretending they could not immediately give me a transfer form. 
My money has effectively been stolen by XXXX XXXX XXXX XXXX I can not get access to it. I do not know where it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: Gitsit Solutions, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I originally had XXXX XXXX as my mortgage company and I was on a forebearance with them because I was struggling in paying my mortgage every month so as of XX/XX/2023 XXXX XXXX  sold my mortgage to Get Sit Solutions. Around the second or third week of XXXX Get Sit Solutions contacted me to let me know that they took over my mortgage from XXXX XXXX  and I mentioned to them that I was on a forebearance plan and was I able to continue to be on the forebearance plan and I was told no because they did not offer it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
The Credit Bureaus stated that my XXXX XXXX XXXX  account was properly investigated, but how is that possible if the Account number is inaccurate, the High Balance is inaccurate, the Last verified date is inaccurate, Date Reported is inaccurate, the Date Opened is inaccurate, the Closed Date is inaccurate, the Creditor Type is inaccurate, the Creditor Remarks are inaccurate, the Last Payment Date is inaccurate, the Account Type is inaccurate, the Credit Limit is inaccurate, and the Date of Last activity is not accurate, each of these are a SEPARATE VIOLATION. They also unlawfully reported my payment history in these months and years XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX each of these dates are a SEPARATE VIOLATION. Because of the multiple inaccuracies on my credit profile which have negatively impacted my credit I have been unable to find housing for myself and my child! This is grounds for removal. They also violated my rights under 15 U.S.C 1681 section 602 A.

States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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:
On XX/XX/XXXX I received an XXXXXXXX XXXX credit card in the mail with a {$6500.00} limit ready to be used after I would call to verify the card, I did not request or sign up for this card I do not do any business with XXXX or XXXX and never have. I checked my credit inquiries and see there was a XXXX XXXX  inquiry done on XX/XX/XXXX that was not from me so I suspect fraud, it is marked as a hard inquiry and would like it off my credit especially since I have not has a hard inquiry since XXXX XXXX. I called the phone number on the card from XXXX  to close the account, the initial person on the phone after telling them I had suspected fraud was trying to convince me to keep the XXXXXXXX card and was telling me all about its benefits, I told them no thanks just close it, they quickly said ok and basically hung up on me, after another call later in the day yesterday XX/XX/XXXX I spoke to someone else to make sure it was closed and they said it was. The odd thing about the second call to XXXX since I have never done any business with them is they had asked to verify my mothers name to verify it was me on the phone, I gave them my mothers maiden and they said that was correct. I am not sure how they would have or know that since the only answer to that question I have ever given to is my other bank card, with XXXX XXXX XXXX XXXX and on my XXXX account I use for credit reports/taxes.

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 2023-10-04
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-07-13
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:
As of XX/XX/2023, our account was frozen for review for some of our transactions. However, there was no disclosure of notification that our account was under review and how long there investigation would take. I have cited the compliance violations that are being done against us. 

We have been subject to unsatisfactory treatment by PNC since opening our account. Here are the following issues and potential compliance violations : We were enrolled in PNC 's XXXX service for wires/ACH. I was able to log in once and have been froze out and no way to re-instate my log in. Customer service has not been able to help and the third party service does not respond to the e-mails when providing the information as requested. We have not been able to use XXXX except for once from the start. We have sent multiple wires in which I have to go into the branch in which you should have evidence of this with your branches. With this being said, XXXX has to pay a service fee of {$95.00} which has cost us an estimated {$1000.00}, so far. Issue still unresolved Our account has been frozen without any formal communication or disclosure that it was being frozen, we have automatic payment withdrawals that come out of the account monthly in which we will go delinquent and cause us credit bureau adverse actions to our credit ( our personal guarantor/XXXX  ) XXXX This is unacceptable and needs to be reported to the CFPB for non-compliance to UDAAP and FCRA regulation requirements needing to be adhered to by PNC as a financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I disputed the ownership of an account with XXXX XX/XX/2023. They said it was verified as accurate but when I asked for the original paper work to prove it. They have provided me with nothing. I have also disputed the account in the past 2 other times and still no paperwork.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13
Company: CITIBANK, N.A.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
when     XXXX   XXXX   gave the  XXXX  business to  Citi ca rd, we believe they issues a card for the wrong number or they sent the wrong card or some  one  in the company is collaborating with the criminals to create a new account under my name but a different address ( have all the documentation ). After several months citi Silently closed the account and gave it a new account number and want to make me responsible for the debt My identity is compromised due to their negligence and we have been fighting and calling to find out how it was created and who was responsible and no body dare to say any thing except promising to take care of the debt. After several months of going back and forth we received an email that states they are wiling to give us {$21000.00} credit and few weeks later they send my name to their recovery department in  XXXX   XXXX  where they could not even understand our problem and resolve the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-17
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contact my insurance all state insurance agent today XX/XX/21. everything shows clears. no outstanding 's services were obtain pay on XXXX then later services were cancelled on XXXX. A refund was provide to credit card ending XXXX please refer to letter attached and bank statement. 


This company is a scam and keep sending collection bills to address of family members. 
moreover have compromised my personal information. desist and stop immediately close this account immediately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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 need this to be reviewed because it is not mine and it hurts my credit history I want it to be deleted FST 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 2023-11-13
Company: Paypal Holdings, Inc
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
Why is paypal, venmo and others charging you money to get your money back sooner? This is absurd. Why are banks taking 3-5 days, this is the digital age, no hastle of the post office. Americans are being price gouged at every turn and enough is enough. 

They certainly let you buy things instantly, but somehow getting your money back instantly is a fee? 

This should be a class action lawsuit NOW, not later.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13
Company: SYNCHRONY FINANCIAL
State: MO
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:
While checking my most recent credit report I noticed a credit inquiry that I did not authorize made by   XXXX   XXXX   I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting A ct Section 1681b  (  c   ) and a serous breach of my privacy rights.

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 2017-05-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On  XXXX    XXXX   I was scammed for a mem who I met at online dating site name skout his name is  XXXX   XXXX   XXXX  who make me send some wires to different accounts and people some I send it on  XXXX   XXXX   XXXX  and  Wells Fargo  bank and  XXXX    XXXX    first one  I send it to  XXXX   XXXX   XXXX  account number  XXXX  at address  XXXX   XXXX   XXXX   XXXX   XXXX  Hi  XXXX  for {$22.00} next one was an international wire to  XXXX   XXXX  account number  XXXX  at   XXXX   XXXX   XXXX    XXXX   XXXX  on  XXXX  of {$50.00} and next one was domestic wires to   XXXX   XXXX   account number  XXXX   Wells Fargo  bank on NY  XXXX  for {$40.00} and another for {$30.00} from  Bank   XXXX   XXXX  to the same account number  I d id another wires to  XXXX   XXXX   XXXX  one from  XXXX   XXXX   XXXX  for {$10.00} to account number  XXXX  on  XXXX / XXXX /  XXXX   and another from  XXXX  to the same account for {$75.00} and another from  XXXX   XXXX   XXXX  date  XXXX / XXXX /  XXXX   to the same account number to  Wells Fargo  bank of {$140.00} and I was thinking that it was a woman but looking at the  XXXX  needs is a men but I also send on the same wee k 2 wi res to  XXXX   XXXX   XXXX  on the  XXXX  and  XXXX  of  XXXX   XXXX  of  XXXX  and another of {$110.00} that I sends from   XXXX    XXXX   XXXX  those wires one the lady resend it to  XXXX  and the second was freeze for  Wells Fargo  bank but until this date is still frozen since I talked to the lady and said that account is still freeze and after 19 months they still holding that money believe it that the money. The money that was deposited it was fake deposit and   XXXX    XXXX   XXXX  let me used that money and when it was reversed was against my equity line of credit and now my equity line of credit is bigger than the valued of the property   XXXX    XXXX   XXXX  said that they are working on this case but is almost 2 years of that

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 2023-11-13
Company: DailyPay, Inc
State: MO
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Earned wage access
Issue: Problems receiving the advance

Complaint:
I was suppose to receive my check on XX/XX/10 and havent received payment and now the fees associated with overdrafts due to no direct deposit. Currently at {$90.00} in overdrafts fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
XXXX XXXX is showing Charge off bad debt wage earner plan XXXX XXXX when i explain for over 2mths im not im in a 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