BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-01
Company: PNC Bank N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
PNC Bank is knowingly and intentionally engaging in fraud and the use of fictions identities to perfect fraud and money laundering. There is no account opened under the the first and last name only but rather the first middle and last name. PNC Bank is using the first and last name as a fictitious entity for money laundering with respect to its DEI and WOKE internal agenda. Additionally, PNC Bank which is using a forced arbitration clause to which I was not properly notified to perfect its criminal fraudulent activity. PNC has never responded to my requests regarding the forced arbitration clause which is in bad faith and used to perfect fraud, ante. This information was also brought to the attention of the CFPB director which via ia political affiliation condones the criminal behavior of PNC Bank with my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I dealt with a nightmare scenario when a fired employee of my company got a hold of a check in the mail for my business XXXX XXXX  XXXX and endorsed the back of the check with his own name and deposited the check through the Wells Fargo ATM drive thru and without veriying or doing any due diligence, this crooked bank allowed the full funds of the check to go through to his account, when was never on the account and the check was my business name. I talked to several branch managers, filed over XXXX check return claims, completed several breach of warranty paperwork and they still refused to return my money to me, nor take the money from that criminal 's account or close down his account. Plus I filed a mediation request and nobody ever contact me or followed up on this mediation request. 

It was not until I hired an attorney and going to file suit in court, did they finally return the money not to myself but to the issuing bank that issued the cashier check, which was XXXX. The check was for the amount of {$10000.00}. Check # XXXX, issued on XX/XX/22 and deposited on XX/XX/22. The criminal who falsely endorsed the check now has felony warrants for his arrest. His name is XXXX XXXX and he also had a wells fargo acccount as well and the sequence number for the check deposit was # XXXX. 

I would like to make a formal complaint for illegally allowing the funds to be made permanent to someone in an erroneous error and they made no attempt whatsoever to correct their mistake and nearly a dozen managers and claim representatives told me I would be refunded my money back to my account and made me go through endless hoops and claim filings only to lie and waste my time and kept the error in favor of the person who illegally deposited the check because of their own negligence. 

I have enclosed all documents supporting my case and statements.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I had an account with Wells Fargo in the late XXXX, roughly XXXX I stopped using the checking account, and had no charges coming through the account. I only opened this account to cash my checks at the time. When I went to cash my over {$700.00} check, I was given back less than {$20.00} and told the rest of my check went to my overdraft/insufficient fees in my account. I wasnt told until after my check was cashed, and money was taken, that I had around {$700.00} in fees to pay them. Ive never gone back since. They wouldnt work with me and told me they closed my account because i hasnt used it within a certain time.

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 2022-02-17
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I expected a transfer to me from ZELLE. 
The person sending said I was not enrolled, and they couldn't send. 
I called the ZELLE number on the internet page. 
A man with a heavy XXXX accent told me to hold on while he called me from another line. 
He said my account was locked and he could unlock it if I gave him the bank account number. 
I DID NOT give Him anything, I hung up and went to my back and found there was NO issue. 
The BAD guys phone numbers are ; XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I called Trans Union and was told to send in all my documents to sow that i fraud committed against me.So i sent everything in and i still see the accounts on my 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 2023-08-21
Company: EQUIFAX, INC.
State: OH
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 third time disputing these accounts that does not belong to me and not sure what is the hold up on processing my dispute here are the accounts : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1000.00} I have request documentation from the following collections agencies and Please delete the above accounts they are not accurate and unverified 609,611,623 FCRA violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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  and Transunion are reporting incorrectly that I am ( 120 ) days late on the XXXX  partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. ( Please see page attached from my credit as well as a spreadsheet for reference. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.

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 2022-03-13
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Repeated transactions declined for suspected fraud activity but transactions are valid and authorized ( 4> in 24 hrs ). No history of claims for fraud on account. Verified transaction by phone but more transactions blocked in subsequent 24 hours. Received email saying to call XXXX but was advised that nobody could resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I submitted a CFPB complaint on XX/XX/XXXX, complaint ID XXXX. 

I received a resolution letter from Bank of America on XX/XX/XXXX stating that the annual fee of {$95.00} would be refunded on my next billing statement. Since I already closed the credit card associated with the annual fee, I am not sure how they will be refunding the annual fee on the next billing statement. The credit card associated with the annual fee was closed out on XX/XX/XXXX and no longer appears in my Bank of America account. I have checked my Bank of America account online and I have not received any refund as of XX/XX/XXXX. 

I have called the Bank of America resolution specialist ( XXXX XXXX ) several times and have left voicemails but have not received a response.

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 2023-05-26
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax credit reporting Blank. Called Equifax serveral times to get it fixed and even submitted requested documentation still reporting blank, they have stated it has been escalated but nothing has been done after being told that on numerous occasions. Banks are saying my credit is unidentifiable because there is no Equifax score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: EQUIFAX, INC.
State: MD
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 XXXX account ( account # : XXXX ) is in several violations of my rights. This account is IDENTITY THEFT, 15 U.S. 1681 c-2 states these accounts HAVE to be removed from my credit report in 4 DAYS and it has been well over 4 days since they received my FTC report XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX  # XXXX, XXXX  XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-03-05
Company: Experian Information Solutions Inc.
State: LA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company 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 2022-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX  # XXXX, XXXX  XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2023-07-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: WELLS FARGO & COMPANY
State: GA
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, XXXX XXXX, pursuant to 15 U.S. Code 1692g - Validation of debts am demanding Wells Fargo to provide me a validation of debt.

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 2022-07-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act the following accounts, violated my rights. 
XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2023-03-05
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company 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 2020-06-17
Company: EQUIFAX, INC.
State: AR
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 was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have been unemployed on and off for the better part of two years. I am currently 7 months behind on my Private Student loans serviced through Navient. 

I responded to Navient on XX/XX/XXXX to begin communication with this account and determine what my options were to get the account current, and informed Navient that I currently was unable to make a payment. 

Today, XX/XX/XXXX, I was able to speak to two representatives -- XXXX and XXXX XXXX at XXXX Extension XXXX after receiving an unprofessional voicemail from XXXX on XX/XX/XXXX stating that I was " uncooperative and unwilling to communicate properly '' and as a result he aggressively stated that " they would be forwarding my account to the compliance team in the month of XXXX. '' I obviously want to avoid my account being deliquent, possibly being sued, and having my credit ruined because of this scenario. 

I was given two options on XX/XX/XXXX over the phone after being forwarded over to XXXX XXXX, both of which must be executed by XX/XX/XXXX. 

One of the options was to make a minimum payment of around {$500.00} or to file for forebearance, which would cost {$150.00} to process. I informed XXXX that I could not execute either option today or by XX/XX/XXXX but I was still interested in exploring options. 

Unfortunately, I was not given any other options, was told that I was irresponsible and needed to take accountability for this loan and have had 7 months to make a payment. As a result, XXXX XXXX stated she would mark my account as delinquent or that I would not be making a payment. The conversation spiraled out of control with XXXX and XXXX using their tactics to try and provoke anger or get a response from me over a recorded line. 

I am wanting to make a payment and to work on bringing this account current but the limited options they are providing do not allow me the time to do so. Additionally, it is incredibly unprofessional to have the representatives from Navient laugh at me, put me on unnecessary holds, and then tell me that I am irresponsible for not keeping my account up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Experian Information Solutions Inc.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-04
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
We were on vacation and went to a time share sales meeting by Wyndham for free credit at our hotel. During the meeting we were given an electronic form to fill out presented as an income check for purchasing a time share. When I got back to my hotel I had an email saying I was getting sent a a Wyndham credit card that was never mentioned or that we agreed 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