BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-26
Company: PNC Bank N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PNC 's policies for funding a mortgage escrow account are arbitrary and demand more than is necessary to cover expenses. They have a rationale, but the method ultimately demands more than is necessary. The consumer has no practical way to dispute or negociate the demands. 
Additional complaints concerning PNC 's collection policies and internet access to account information can be found any number of places, but I can describe a typical PNC experience relatively objectively : All telephone calls to PNC will subject the consumer to repeated disclaimers concerning the rights of the mortgage company. The first representative will verify all current contact information very specifically, item by item. When the issue of website access arises, the consumer will ultimately be told, for any number of reasons, that PNC can not provide immediate access to account access, because the account can not be verified. Resetting a password ultimately involves a company policy that requires the use of a PIN number that is only sent via standard mail. Since is sent via regular mail, it can not be tracked, and it creates a delay that prevents the consumer from having access to necessary information before a payment is due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

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 non-monetary relief
Consumer complaint received 2023-01-19
Company: ARVEST BANK GROUP, INC.
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX, Arvest bank headquartered in XXXX XXXX  allowed the illegal seizure of my property to a business and did not follow due process safe guards of my property. Arvest bank did not inform me with the legal documents that gave them authority to seizure my assets. There was no warrant in place from a court of proper jurisdiction that has been signed by a judge and sealed by the clerk of the courts. I asked repeatedly for the documentation and they can not provide the legal documentation. The XXXX of the department refused to communicate with me on this matter. 

THE WAGES OF EVERY EMPLOYEE IS THEIR PROPERTY PROTECTED BY THE 4TH AMENDMENT THIS IS AN UNDISPUTED FACT AND ANY LAW IN VIOLATION OF THIS FACT IS UNCONSTITUTIONAL AND WILL NEVER HOLD UP IN COURT FOR LOWER COURT DECISIONS MUST BE IN ACCORDANCE WITH THE SUPREME COURT OF THE UNITED STATES [ Coppage v. Kansas, 236 U.S. 1 ( 1915 ) ] IT IS PROHIBITED UNDER DUE PROCESS OF LAW AND EQUAL PROTECTION OF LAW UNDER THE 4TH AND 5TH AMENDMENTS FOR AN BANK TO ACCEPT INCOME OR WAGE GARNISHMENTS AS WARRANTS SENT BY A COMMERCIAL DEBT COLLECTOR CHILD SUPPORT ENFORCMENT AGENCY THAT IS NOT AUTHORIZED TO ISSUE WARRANTS.

A WARRANT MUST ORIGINATE FROM A COURT OF COMPETENT JURISDICTION WITHIN THE JUDICIARY BRANCH OF GOVERNMENT AND NOT FROM A STATE OR GOVERNMENT AGENCY WITHIN EXECUTIVE BRANCH OF GOVERNMENT WHICH IS A CLEAR VIOLATION OF THE SEPARATION OF POWERS DOCTRINE WHEREBY THE ALLEGED GARNISHMENT ORDERS ARE INCOMPLETE WRITTEN INSTRUMENTS OR FORGERIES AND CAN NOT UNDER ANY CIRCUMSTANCES DEPRIVE EMPLOYEE A MAN ; A LIVING AND BREATHING SOUL, A CREATION WITH ENDOWED RIGHTS FROM HIS CREATOR : AN AMERICAN XXXX XXXX XXXX INALIENABLE RIGHTS TO PROPERTY AS PROTECTED BY THE UNITED STATES CONSTITUTION BILL OF RIGHTS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Experian Information Solutions Inc.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect 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 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

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 non-monetary relief
Consumer complaint received 2023-06-05
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo Home Mortgage misrepresented payment history. Caused damaging effects on my living situation and credit.

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 2020-03-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Dispute : XX/XX/2020 CFPB Capital One Incorrect account balance : {$250.00} I contracted the services of XXXX XXXX XXXX, XXXX a debt consolidation company to assist me with the consolidation of debts that were causing me great financial hardship due to a decline in my income due to a reduction of hours worked for health reason. The program I committed to enabled the payoff of debts to ( 7 ) creditors, one of which is Capital One with an original debt of {$250.00} I have just completed my accounting for tax purposes and found that I have paid {$200.00} to the creditor via the consolidation program and my balance now due is {$56.00}. 
I have continually made my payments on time to this company and paid more than the agreed monthly payment amount and I have never received an update statement requested each month outlining my balance although I have contacted the company over the last 6 months and have not been able to receive a response to any of my communication. 
On XX/XX/2020 I wrote to the creditor and offered my promissory note and payment arrangement which was sovereign certified because it had come to light that the consolidation company is no longer trading and is under investigation for Fraud and Deception by the FTC. 
It has also come to light that my payments made to the creditor via this company were never applied to my debt which now has negatively impacted the balance owed. 
My direct offer made to the creditor on XX/XX/2020 to pay off a remaining balance of {$250.00} in installments was declined by the creditor of which I am grateful as my financial accounts highlights that balance was incorrect and if accepted at that time I would be liable for paying far more than what is actually owed. I request that the amount owed be corrected to reflect the payment made of {$200.00} via the consolidation company and report the actual correct balance of {$56.00}. 
Please see attached signed Agreement page for debt consolidation program and the date of the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Agency reporting chapter XXXX bankruptcy and bankruptcy dismissed.

However US bankruptcy courts does not release information to third parties. Based on this information must be deleted 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 explanation
Consumer complaint received 2023-09-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian has listed inaccurate unverified information on my consumer report. An Auto Loan and personal loan by XXXX XXXX XXXX XXXX which is a direct result of Identify Theft. They have also listed unverified inaccurate and fraudulent evictions from addresses I've never lived. I have contacted the XXXX XXXX XXXX and XXXX XXXX XXXX and they have informed me that the cases filed belong to a XXXX XXXX with no SSN social security information provided. This is obviously someone else with the same name as me. This is also a direct violation of my rights under the Fairs Credit Act.

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 2019-10-06
Company: ALLY FINANCIAL INC.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The loan company has the car and when I got divorced it is in our divorce paper my ex-husband is solely responsible for it all and i tried to change it over but the company has yet to do that. And it was agreed to be taken off my credit report. And it hasnt be done so yet.

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 2020-11-04
Company: CARD Corporation
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
Today I have contact y'all to get this free waved or credit back to my account, and they told me they couldn't because I agree to fees in the agreement, but I had money into my account XX/XX/2020 Monthly Maintenance Fee A fee charged by CARD.com On card ending in XXXX - {$9.00}, and I want credit or the fee waived off from my account for {$9.00} or {$8.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: CITIBANK, N.A.
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: Account information incorrect

Complaint:
citi bank, the issuer of best buy credit cards keeps reporting fraudulent and inaccurate information on my credit reports. as per IRS publication XXXX, its illegal to post income on a consumer report, as well as a charge off is considered income, therefore it can not be both income and debt. citi bank ( who issues BEST BUY credit card ) filed a 1099-C. please correct and delete immediately. i will take legal action if i have to.

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 2020-02-14
Company: Firstsource Business Process Services, LLC
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
The company First Source ( XXXX XXXX XXXX XXXX ) has been calling the home of my grandmother ( XXXX XXXX XXXX ) for about 2 months. My aunt who also stays there told me about 3 weeks ago that First Source was calling. She told them that I don't live there. I told her to ignore and don't answer the calls. 
Today XX/XX/2020, I went to visit my grandmother and First Source called again. I called back and asked them " why are you calling my grandmother 's home and it I do not live here. '' The First Source person said, " this is regarding your XXXX   XXXX account '' ( my XXXX XXXX XXXX account was an old debt years ago ). First Source person said, " we can remove the phone number ( XXXX XXXX XXXX - grandmother ) if you gave me your date of birth to determine if you are the correct XXXX XXXX '' then I hung up. 
My grandmother is XXXX years old and her daughter is XXXX years old ( aunt ) they are receiving harassing calls night and day from First Source -- This is outrages!! 
Can something be done to stop/penalize First Source?

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I have had no correspondence for this savings account since at least XXXX of XXXX. I received a letter XX/XX/XXXX stating that I owed XXXX in closing fees.I had previously had the same issue with the checking account linked to this account. That was handled to fair conclusion by the CFPB in case # XXXX. I feel this is further harassment because of the original case, as the circumstances are not only exactly the same, but the accounts were also linked and they never mentioned this during my previous complaint or correspondence. When I called the individual named on the the letter from US bank, he stated that he could only help me if I was calling to make a payment. 
Thank you 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 monetary relief
Consumer complaint received 2023-11-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed a copy of my credit report. It indicated that a credit inquiry was made by the following inquiries listed below. However, these inquiries were not authorized by me. Therefore, I am writing to dispute these inquiries and have it removed from my credit report. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2023-01-19
Company: Bright Capital Inc
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Problem with customer service

Complaint:
Over the course of last year XXXX XXXX has taken over {$8000.00} of my money into a rainy day fund. However I have not ever been able to take the money out of their account and transfer the fund back to my bank account. I closed my account last XXXX and since then I have not been able to access my online account or get anyone to respond to me via email or their live chat feature. They are holding over {$7000.00} of my money XXXX and multiple attempts to reach their customer service have been met with silence. It has been months since they took out and kept my money and I am in desperate need of the funds

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Self Financial Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This letter is to inform you that I am disputing your companys references on my credit report because of the lack of completeness and/or accuracy. I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. After that I sent you the attached letter and I never got a sufficient response. Unfortunately, credit bureaus often use software that does not complete thorough investigations.I am disputing the following information directly with you, the furnisher of information, and I am requesting that you send me all papework you have on this account so i can review the accuracy of your reporting. You are a financial institution identified in 15 U.S. Code 1681a ( t ) Financial Institution.The term financial institution means a State or National bank, a State or Federal savings and loan association, a mutual savings bank, a State or Federal credit union, or any other person that, directly or indirectly, holds a transaction account ( as defined in section 461 ( b ) of title 12 ) belonging to a consumer. For the record I do know and understand by law, who you are and who I am. 
1. I would like to see your GAAP ( general acceptance accountability principles ) which is your paper trail from where/when it came directly from your account. 
2. I also want to know who is the original creditor? 
3. I am also requesting the Individual Masterfile ( IMF ) pursuant to 15 USC 1681G this should contain every payment I ever made, the original wet signature contract, not a copy or printouts, it should also contain info on where you got it, how you got it, and when it was stored. If dont get this its a violation 4. Also I do not recall you CLEARLY and CONSPICUOUSLY disclosing to me the CONSUMER my right to opt out according to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Experian Information Solutions 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.

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 2023-08-02
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I WAS VISITING A BRANCH NEAR ME FOR A MONEY ORDER AND A BRANCH EMPLOYEE OF ACE CASH EXPRESS HAD INFORM ME THAT I HAVE AN OUTSTANDING BALANCE WITH THEM SUPPOSEDLY OVER 10 YEARS AGO!. I SERIOUSLY THOUGHT IT WAS A PRANK! .HAVE NO RECOLLECTION OF THIS TRANSACTION WITH ACE CASH EXPRESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I regret to inform you that your decision not to address my identity theft issue on the grounds of an alleged error or misrepresentation of material facts is deeply concerning. What authority do you possess to make determinations regarding material facts? You neither hold the role of a judge nor serve on a jury, nor do you possess any such entitlement. According to the guidelines of the Federal Trade Commission ( FTC ), when presented with an FTC identity theft report filed through a law enforcement agency ( which is, in this case, the FTC itself ), compliance with the law is mandated. I was the victim & Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests I am extending one final opportunity for you to process my request concerning the identity theft incident. Failure to do so will leave me with no choice but to pursue legal recourse in a courtroom setting, wherein you will be held responsible for the damage inflicted upon my reputation, credit, and the emotional turmoil I have endured due to this matter. 

XXXX XXXX - XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX - XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I implore you to ensure the resolution of this matter within the legally mandated XXXX timeframe. I trust that you will act in accordance with the law. I am writing to dispute certain accounts on my credit report that I believe are the result of identity theft. After thoroughly reviewing my credit report, I have identified several accounts that do not belong to me. 

I have already taken steps to report this identity theft to the relevant authorities like 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