BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-09
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have been using the XXXX XXXX for over a year now and it helps me in times where my funds are, or will be low. It's a small loan, less than {$100.00}, with a less than {$5.00} service fee attached, and an option to leave a " tip '', which would be used to plant trees around the world. An option, meaning you aren't required to in order to receive money from XXXX. I have my account set up to automatically withdraw the amount I owe XXXX on payday. This app has always only deposited money into my account when I requested it, and has only ever automatically withdrawn from my account when I borrowed money. It was also always the agreed upon amount. I have never had an unauthorized transaction with this app. Now, PNC is not letting me connect my account. I understand it's for their customers safety however, the XXXX XXXX does not need protection from. This happened today, XXXX, and PNC has disconnected my account without my permission about 4 times throughout the past year. I was able to reconnect it myself in the past, but today I was directed to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX Date of inquiry : XX/XX/2021 XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : 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 2022-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 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 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records.

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 2021-03-30
Company: Radius Global Solutions LLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter dated XXXX from this company attempting to collect an alleged debt on behalf of another collection agency XXXX XXXX XXXX. There were also several laws violated here. 
15 USC 1692 ( g ) ( 5 ) a statement that upon the consumer written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor if different from the current creditor. 
This document lists XXXX  XXXX, na. that is false information Per the definition by congress written in the definition of the law. Myself, I can not extend credit to myself. Another violation is 15 USC1692d ( 2 ) the use of obscene or profane language the natural consequence of which is to abuse the hearer or reader. The words/language used in this letter is just that proving a violation of law. Also, violations of 15 USC1692n ( f ) ( 8 ) using any language or symbol other than the debt collectors address on any envelope when communicating with a consumer by use of the mails or by telegram except a debt collector may use his business name IF such name does not indicate he is in the debt collection business. Well Radius Global Service Solutions is for certain in the debt collection business and letter they sent clearly state that this is a attempt to collect a debt. The envelope showed Radius Global Solutions. 
I am requesting a removal of this alleged debt from all sources listed on this document and a deletion of this alleged debt. Also requesting {$1000.00} for the violations of laws per 15 USC 1681 ( n ) civil liability for willful noncompliance. Per law 15 usc 1681n ( a ), 15usc 1681n ( 1 ) ( b ), 15 usc 1681n ( b ). Nothing listed above is a belief its a fact.

the letter is from radius global solutions, but has XXXX XXXX XXXX and XXXX XXXX n.a on the letter so im not certain on where you would say it came from

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 2023-10-18
Company: EQUIFAX, INC.
State: MI
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'm demanding Equifax shall block the following accounts below from my consumer report pursuant to 15 USC 1681c-2 ( a ) no later than 4 business days of receipt. Do NOT " reinvestigate '' these accounts with eOSCAR, as you've failed to do so in the past. Your company is furnishing and reporting FRAUDULENT accounts on my consumer report I did not give Equifax my written permissible purpose to furnish these accounts therefor Equifax is involved in identity theft pursuant to 15 USC 1681b ( a ) ( 2 ) .Please block and delete the following accounts and information on my consumer report immediately : 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, DEPT of ED/XXXX  ( XXXX ), XXXX of ED/XXXX  ( XXXX ), XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20
Company: Experian Information Solutions Inc.
State: PA
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 have Five Fruad Accounts on All Three Credit Reports XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX {$5700.00} XXXX XXXX {$690.00} XXXX XXXX  {$610.00} XXXX XXXX XXXX {$120.00}

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 2020-08-09
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hello, Chase does not have information on their website when promotional interest rate are going to end.They make you believe they do by having a link to it, but when you click you entered to a non-ending loop. I called and spoke with a representative and asked him to guide me through their website to see when my promotional ( money transfer to pay off another credit card ) was ending to avoid the payment of the high interest rate, and he said that information was not available on their website.Consumers should have the power and right to see this information on their website as well as you are able to see minimum payment due, balance, payment history, etc. I think is very wrong they don't put these information on their website, so people forget the due date of promotional items and end paying a high interest rate.The Bank is Chase Marriot XXXX, please do something about it. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
There is a account on my credit report that is not mine and belongs to someone else

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 2023-04-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Wells Fargo Bank employee added a mobile wallet to my phone, and I became a victim of bank fraud through unauthorized wire transfer totaling {$140000.00} which left my account and Wells Fargo Bank is not accepting any responsibility. Approximately XXXX XXXX was deposited into my checking account from the sale of my home and immediately Wells Fargo Bank placed my account fraud alert making it impossible for me to manage my account and my money.. I asked for a cashiers check and wanted to close my account because of constant declines with the XXXX XXXX, and numerous cards bank card problems. 
Ive been banking with Wells Fargo over 30 years and since XX/XX/XXXX it been a total nightmare, and Wells Fargo is complicit in the fraud which took my life savings and now they are saying I need to go outside the bank to try an retrieve my funds. Please help, Ive written complaints and gone to local, and federal law enforcement but so far no success.

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 2022-12-19
Company: ENCORE CAPITAL GROUP INC.
State: FL
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:
I hired XXXX XXXX XXXX as my attorney to represent me in this case in court, they got a settlement agreement for me which I signed and paid off already. I have the proof of the Judge dismissing this case as closed but my credit report still reflects the case as open, which s negatively influencing me. 
I need someone to help me with this I have attached the signed settlement, Order of dismissal, and Notice of completion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
The following account is not mines nor am I accountable in any kind of way for this, this is un known to me and not my responsibility please remove it. 

1 ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
So I had filed for Bankruptcy Chapter XXXX on XX/XX/XXXX and then it was dismissed by the courts on XX/XX/XXXX due to failure to appear in court, but it was actually because I was in the process of having an attorney help me and I had filed the wrong information and needed help so they wouldn't let us use my original case we had to open a new one, so the court automatically closed it due to non appearance. The second one was opened XX/XX/XXXX and closed on XX/XX/XXXX. Both of these cases were not finalized and finished through the court system meaning where the courts discharged my bankruptcy and I had to pay anything or they paid any of my creditors. These bankruptcies were not finalized and finished therefore they should not exist on my credit reports since we didn't follow through with the actual BK. I should not have to suffer with a BK public record when we didn't even finalize anything and go through with the actual BK. Please have these both removed from all three of my reports. I have my documents if you need them to show the dismissal was on my end not the courts end and that there was nothing finalizing the actual BK Cases. Case numbers XXXX XXXX This is all through the Arizona Bankruptcy Courts and XXXX have reached out to Experian, XXXX and XXXX and nothing has been removed.

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 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 2022-11-03
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXXXXXX XXXX .... Balance : {$450.00}

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 2023-04-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I was alerted by a credit reporting agency that a new hard inquiry was on my account. I also received emails from Bank of America saying thank you for your application, your application has been approved and welcome to online and mobile banking. The emails were disturbing because I had placed a freeze and had locked all of the credit reporting agencies since someone had tried to open an account in XX/XX/2023 in my name. 

I phoned XXXX to ask about the alert I received and they told me to call Bank of America to ask if they had an application in my name. So I called Bank of America and they said yes there was an application in my name. ( After I had to give them personal information ) I explained that it wasn't me who initiated the application and they told me they would close the account and remove the hard inquiry. They wouldn't tell me what type of account it was because I didn't open it?! After I spoke to them I had new emails from Bank of America saying your digital debit card is here, and another one that said your digital debit card was recently viewed. 

My problem with the entire situation is why did Bank of America approve the account without reaching out to me for approval since I had my credit frozen and locked at all the reporting agencies since XXXX?! That is what is most disturbing to 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 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

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 2023-04-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XXXX XXXX 2023, I received several e-mails notifying me that I had been enrolled in Online and Mobile Banking with Bank Of America who I have never had an account with. I also received e-mails asking me to verify my email address, that my online application was being processed and was approved. Then I received an e-mail that my e-mail address was updated with them. None of this was done by me so I immediately called the Bank Of America fraud department to report this and at approximately XXXXXXXX XXXX I had spoke to a representative named XXXX to investigate this. Upon reviewing my first and last name and state of residence, I was assured by the representative their was no account open with my name and that they werent sure why I was getting those e-mails. However on XXXX, XXXX 2023, I had received an alert from XXXX credit monitoring about an inquiry from Bank Of America that my SSN had been used to open a bank account with Bank Of America but oddly received an e-mail from Bank Of America again today that my application for an account with them had been denied based on information they received from 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 2022-01-09
Company: Winklevoss Exchange LLC
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I made a Gemini account in the beginning of XXXX. I initially put {$700.00} in. I made a profit of {$150.00} and decided to put it into crypto again. Around XX/XX/XXXX I bought more crypto ( {$700.00} worth ). My account was valued at {$1500.00} on a non market basis. First or second week of XXXX my account got frozen and deactivated with my money inside of it. I heard nothing from the support team for weeks. Last week they emailed me saying they determined it was an issue in my end and will reimburse themselves from my portfolio as necessary. What happened was, when I deposited more money ( the {$700.00} ) in my account, I selected the wrong savings account ( one with insufficient funds ). My bank stopped the transaction for that reason but Gemini did not. When the funds were no good, Gemini took my money and deactivated the account. I still have my original {$850.00} in the account that is completely mine. I have emailed the support team countless times to no response. Like I said it has nearly been a month.

Company response to consumer: Closed with explanation