BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-03
Company: PNC Bank N.A.
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
THIS SERVES AS XXXX ADDENDUM TO COMPLAINT FOR XXXX. AS STATED WE WERE VERY INTERESTED IN THIS PROPERTY HOWEVER, AFTER AN EXTENSIVE INVESTIGATION WE COULD NOT UNDERSTAND WHY THIS HOME IS BEING SOLD FOR THE XXXX TO XXXX TIME AT AN EXTENSIVE PRICE POINT. IT APPEARS COMPASS BANK NOW PNC HAS REFERRED THIS HOME TO XXXX FOR SALE. THIS HOME HAS BEEN PAID OFF AT LEAST 5 TIMES DUE TO THE MORTGAGE FRAUD. IN ADDITION, XXXX WAS ON THE HOMW SO THE BANKS WERE PAID. SO WHY IS THIS PROPERTY NOT BEING SOLD AT THE MINIMUM, PRICE POSSIBLE OR GIVEN AWAY. THE HOME HAS BEEN ABANDONED FOR OVER 1 YEAR. WE CONTACTED THE BANK DUE TO A MUCH NEEED TRANSITION, HOWEVER THEY WERE NOT COOPERATIVE. I THINK IF I RECEIVED A CALL FROM AN INTERESTED PARTY NOTIFYING THEM OF THIS ISSUE I WOULD GIVE THEM THE HOME FOR PENNIES, PAY FOR THE CLOSING COST, TAXES, PROVIDE A FULL WARRANY DEED AND A XXXX TITLE VERSUS BEING UNDER INVESTIGATION FOR FRAUDULENT PRACTICES, THIS REALTOR IS REALLY SHADY. IF PNC IS NOT XXXX BANK WE APOLOGIZE, HOWEVER IT'S STATING ONLINE PNC IS THE BANK PROVIDING THE MORTAGE. 

THIS COULD HAVE TAKEN EVERYONE INVOLVED OUT OF THE LIABILITY ZONE, THEY GAVE LIED ABOUT THE ENTIRE BACKGROUND ON THE HOME. IT ; XXXX BEEN SITTING FOR OVER A YEAR, INDIVIDUALS HAVE MOVED IN AND OUT THE HOME LONG ENOUGH TO TAKE OUT FRAUDULENT MORTGAGE WHICH APPEARS TO BE AN INSIDE JOB AND ABANDONED THE HOME. THIS HOME IS A XXXX HOME. 

IT NEEDS TO BE PULLED FROM XXXX IMMEDIATELY! THIS IS SCAM! 
COMPASS REALTY APPEARS TO BE A SUBSIDIARY OF PNC BANK. NAME SWITCH! WOW THIS IS THE SAME SCAM WE WERE VICTIMS OF!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed that i have been a victim of Identity Theft for a few years now. ( XXXX  XXXX  ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX  XXXX  ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept 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 2023-10-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
After filing complaint XXXX the company closed the complaint and said they sent me the response directly but I have yet to receive anything and the last response was still sent to XXXX XXXX XXXX XXXX despite my address supposedly being updated several times to reflect the correct address of XXXX XXXX. Ive submitted documents showing that my sponsor has always had the correct address since starting my unemployment claim and that it has remained the same since, but XXXX XXXX claims she cant update my address without it being updated by my sponsor even though XXXX has my correct address and has contacted and escalated the issue with BOA at least XXXX times to correct the issue to no avail. My account still has not been credited and I have yet to receive the requested documents and statement. I want my funds 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 explanation
Consumer complaint received 2021-01-19
Company: Square Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX my epic impact stimulus check was deposited into my cash app account in the amount of {$600.00}. On XX/XX/XXXX someone withdrew the {$600.00}. From my cash app at XXXX XXXX  took the whole amount had a MasterCard downloaded on the account that I suppose they put the money on so they could withdraw it from a teller it was not my card also they have used a XXXX card on the account and made several small transactions .Now weeks before this I noticed some suspicious activity on my smart phone someone had gotten access into my phone and was trying to get into my XXXX XXXX account which is my XXXX so I shut down my cards all of them ordered new ones and contacted XXXX XXXX , cash app, XXXX XXXX XXXX, and XXXX  XXXX  , after I done that I knew my stimulus money was going to be deposited into my cash app account so I tried getting back into my cash app account so that I could be sure it didn't get stolen and I had bought a new phone with a new number because whoever done this had complete control over my phone now I traded in my old phone for a new one I had no access to the old phone whatsoever therefore when I tried to get into my cash app they wouldn't let me in because they couldn't verify it was me I explained my situation to them in detail and that I needed into that account before someone else got my money through an email because cash app has no direct customer service phone only email this went in for several days and after my money was stolen they finally let me have access to my account but it was too late the money was gone. They couldn't let me the owner of the account have access but they let some thief in my account to steal my money that is not right I needed that money I'm on a fixed income that money was important to me and now they sent me an email saying they were closing my case and nothing has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
Base on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 2021-01-19
Company: Experian Information Solutions Inc.
State: AL
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 account ( US Dept Vets - XXXX ) was paid in full on XX/XX/2020 in the amount of {$610.00} and this account was supposed to be REMOVED from all reporting agencies after payment! Yet Experian, XXXX  and XXXX  continue to report this account as an OPEN, Past Due Collection account after almost a year of being paid satisfactorily! This account is NOT supposed to be reporting! I've mailed in several dispute letters requesting the account to be deleted and its still reporting and inaccurately at 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 2021-01-08
Company: EQUIFAX, 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 have disputed hard inquiries with XXXX, Equifax, and XXXX. They have yet to remove these fraudulent hard inquires. I have already supplied my FTC report twice. This is why I am escalating this matter to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I contacted Bank of America because I've been approved for Unemployment benefits and someone has been collecting my benefits and using them from XXXX the total amount is XXXX I'm a XXXX XXXX  and struggling I need that money. I've done over XXXX claims with Bank Of America to get my money back. I was told I need to wait 90 days that is crazy I can't wait that long I'm a single mom of soon to be XXXX XXXX that can all benefit from this money that was taken from us. I had over XXXX taken from my taxes for an over payment from Unemployment that I never received. Bank Of America is being wrong for this I will reach out to more people and places for help with getting all of my money back! I'm not sure of the card information but this is my second complaint the first one states the card number I was given

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 2021-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX Balance : {$0.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX XXXX  XXXX Balance : {$0.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX Balance : {$790.00} - This account Belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX XXXX Balance : {$0.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect balance, you are reporting an incorrect past due amount. These are ALL violation please delete account immediately. 

XXXX XXXX Balance : {$1500.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XXXX XXXX XXXX Balance : {$0.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit.

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 2022-10-13
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:
When I investigated my credit report, I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXXXXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Self Financial Inc.
State: IN
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:
SELF FINANCIAL, XXXX XXXX  AND XXXX XXXXXXXX XXXX  are stating that I do not have the right to opt out when in fact XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' SELF FINANCIAL, XXXX XXXX  AND XXXX XXXXXXXX XXXX are a financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. " SELF FINANCIAL, XXXX XXXX  AND XXXXXXXX XXXX XXXX are a financial institutions and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they absolutely do not have my written consent. Any and all consent to XXXX, XXXX, and XXXX from SELF FINANCIAL, XXXXXXXX XXXX  AND XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked in reporting late payments under 15 USC 1666AAND 15 USC 1666B as it states " '' a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligors credit rating or credit standing because of the obligors failure to pay the amount indicated by the obligor. '' Lastly, SELF FINANCIAL, XXXXXXXX XXXX  AND XXXX XXXX XXXX need to thoroughly look up each and every one of these laws and understand these have been in place for much longer than the FCRA. The USC backs the CFR which the President has signed for to put in place. The USC is to enforce the CFR. 


Previous letters were sent as well with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: Carvana Group, LLC
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I entered into a consumer credit transaction with Carvana LLC on XX/XX/2020. A consumer credit transaction is a transaction in which a finance charge is involved, the finance charge in this case being in the amount of {$11000.00}. Pursuant to 15 USC 1605, a finance charge is the sum of all charges in a consumer credit transaction but all charges have not been included in the finance charge.. In my knowing that the finance charge is the sum of all charges, I was not expecting any bills from XXXX XXXX or anyone else. However, on XX/XX/2020 I received a bill from XXXX in the amount of {$390.00}, and they have sent me a bill every month since then XXXX attempting to collect a debt that I do not owe, which is a violation of federal law XXXX XXXX XXXX ( XXXX ) which states that the collection or the attempt to collect of any amount is not permitted. I have sent both parties ; Carvana and XXXX an Affidavit of Truth stating the facts of the violations committed against me along with exhibits, Ive also sent them a Cease and Desist demanding civil liability remedy for violating my consumer rights, as well as an invoice demanding payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Aldous & Associates, PLLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring to your attention a serious issue regarding inaccurate information on my credit report, specifically related to a collection account. It has come to my attention that a collection agency has been reporting incorrect information using my name and date of birth. I strongly believe this is a direct consequence of identity theft, and I am determined to rectify this situation promptly. 

I kindly request that you conduct a thorough investigation into this matter and take immediate action to remove the erroneous collection account from my credit report. I understand that accurate credit reporting is crucial for maintaining financial stability and trust in the credit system, and I am committed to resolving this issue in a timely manner. 

To assist you in your investigation, I would be happy to provide any documentation or evidence necessary to demonstrate that this collection account does not belong to me. Additionally, I have taken the necessary steps to report the identity theft incident to the appropriate authorities and obtain an identity theft report, which I am prepared to share with you upon request. 

I am confident that your expertise and commitment to consumer protection will guide you in resolving this matter effectively. I greatly appreciate your attention to this urgent matter and look forward to receiving updates on the progress of your investigation. 

Please provide me with the necessary steps to initiate the investigation and any supporting documents you may require. I eagerly await your response and am hopeful that together we can rectify this situation promptly and restore the accuracy of my credit report. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX allowed someone to fraudelently open an electric account in my name. The person didn't pay the account and the balance is up {$310.00}. It was the charged to Mercantile Adjustment Bureau. I want this removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I paid {$8000.00} off on my credit report and had credit accounts removed and it lowered my score the credit bureaus are not correct when its my life and the documents speak for their self

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 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 file a complaint against this credit reporting agency for persistently reporting inaccurate information despite my repeated attempts to dispute and correct the errors. The credit reporting agencies ' actions have violated my rights under the Fair Credit Reporting Act ( FCRA ) and I am seeking your assistance in rectifying this matter. 
I have been diligently monitoring my credit reports and have noticed that they are continuing to report inaccurate information regarding my credit history. I have previously filed disputes with them to rectify these errors, providing all necessary supporting documentation. However, the agency has failed to conduct a reasonable investigation as required by the FCRA and has neglected its obligation to correct the inaccurate information. 
FCRA Rights Disregarded : The right to have inaccurate information corrected promptly ( Section 611 ( a ) ( 1 ) ( A ) ) The right to a reasonable investigation of disputed information ( Section 611 ( a ) ( 2 ) ) The right to receive written notice of the results of the investigation ( Section 611 ( a ) ( 6 ) ) The right to delete or modify inaccurate information ( Section 611 ( a ) ( 5 ) )

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 2021-01-19
Company: ALLY FINANCIAL INC.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I was impacted medically by XXXX in XXXX after exposure. Ally Auto informed on XXXX that our vehicle was being repossessed for being late on our payments. A payment was made on XXXX XXXX, XX/XX/XXXX for {$640.00} and a statement was received on XXXX XXXX, nowhere was it stated our vehicle would be repossessed. 
I made a XXXX XXXX payment for {$1200.00} and scheduled a payment for {$1200.00} later this week XXXX. I asked for supervisor at XXXX EST on XXXX and they shared one would call me back in 3-4 hours and no one did. I called at XXXXXX/XX/XXXX. EST and spoke for 19 minutes to confirm the payment was received and they shared it was not processed yet. They stated a note was sent to the repossession team. 
47 % of the balance is paid, I am impacted by Covid and need my vehicle for work and Ally states that customer service is separate from repossessions. Their on line system is inconsistent in accepting messages/images. 
I have not had confirmation of my XXXX XXXX being posted, I have not had a call back from a supervisor and their on line system is not available at this time. 
Ally is using suspect methods in both collections and also using fear as one of those methods which is totally inappropriate in this environment. They dont send written statements that reflect their intent and they fail to communicate in a timely manner. 
This is concerning that Ally operates in this manner and uses these methods in collecting past due payments in a pandemic especially for someone who has been impacted.

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