BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-09
Company: PNC Bank N.A.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX I decided to pay my loans off. So I use my bank loans website ( XXXX XXXX XXXX  ) to make the transaction and pay my loans off. Few hours later I checked the website and the transaction had disappeared. I assumed it didnt go through since it was a high value. 
I went to PNC Online banking and started an online chat. The agent said the limit for transactions was 10 thousand but I could use bill payment if I wanted to pay a higher value. So I added XXXX XXXX XXXX as a payee and made a payment using Online bill pay. 

On XX/XX/XXXX I noticed that BOTH transactions went through ( more than 32 thousand ) and my account was overdrawn in 15 thousand ( The PNC bank authorized an overdrawn of 15 thousand without even calling me ). So I immediately called the PNC Bank and put a stop payment on one of the transactions. On the phone call I specifically said to stop the on made through the ONLINE BILL PAY ( If the call is recorded you can check that ), I did not authorize to cancel the other transaction. 
One of the transactions were reverted and I receive 16 thousand back, but for my surprise, the transaction canceled was the one I made through the XXXX XXXX XXXX, not the one I asked ( through online bill pay ). 
XXXX XXXX XXXX reopened my loan since the transaction was reverted, and they say they didnt receive the other transaction. Since then Ive called PNC many times. First they said the money was in the way and I had to wait. In a second call they said they said that the account number that I used in my online bill payment was wrong ( which I doubt ), Ive started a disputes ( twice ) and they keep closing my dispute without solving my problem. 
I feel like the bank is not taking my problem seriously, its more than 16 thousand missing in my account, each day passing the interest is being build on my loans ( more than {$3.00} per day ). Ive also been in one of the branches in person, they keep saying that someone is going to call me, but no one ever did. 

Beside the interest being build in my loans, the stress of not having the money in my account is affecting my personal and professional life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
Wells Fargo close my account after 2 weeks be cause of a mobile deposit they claim was an altered check it was a STATE CHILD SUPPORT CHECK that I set up for. I took the check to cash at the bank it came. From the deposit cash with they lost then found all While having my account suspended the entire ordeal was not professional and lead me in to financial distress

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 2018-08-17
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
last year I had a XXXX XXXXXXXX XXXX XXXX credit card that I was paying on time. I had it for over 2 years and I never once had a 30 day late payment. Then all of a sudden at the XX/XX/2017, I get a call from XXXX XXXX asking why I hadn't made my minimum payment. I was confused and shocked but nevertheless I asked what the minimum payment was and what the balance was. They told me that the balance was over {$500.00}. Again I was confused because as of my records, I only owed about {$200.00}. I asked them to itemize the charges for me and that is when the problem occurred. 

XXXX XXXXXXXX XXXX XXXXt started itemizing what the charges were. They then informed me that some of the charges were for items purchased online. Just to be clear, I have NEVER purchased anything online. I don't believe in it and I like to go to the store to make my purchases. XXXX XXXX XXXX XXXX XXXX XXXX  claimed they were going to investigate it but they said that the items purchased supposedly matched the sizes of clothes I buy in store. They never actually proved this to me but just said it over the phone. I told them this was crazy and that I did not purchase anything online and that I was disputing those charges. XXXX XXXX XXXX XXXX said that these were legitimately my charges and that I had to pay the {$500.00} or else this account would go to collections. I then asked to speak to a supervisor but conveniently the supervisor was busy and would have to call me back. He never did. 

Over the last few months I received a few calls from XXXX XXXX asking me to pay this debt. I informed them that I would gladly pay them the {$200.00} I owe them but that I am not going to pay for something I didn't charge. I also asked why I still haven't spoken with a supervisor even though I asked for one. I have even disputed this with all the credit bureaus and XXXX XXXX XXXX XXXX XXXX has claimed this debt was legitimate. Bottom line, they don't care. They are sticking me with charges that aren't mine because they supposedly have proof I charged the items even though they refuse to provide me with this proof when I ask for it. They still do not provide a supervisor for me to discuss this further and now they charged the account off and are damaging my credit report. This is coercion, extortion, malice, harassment, fraud, unfair lending practices, unclean hands, whatever you want to call it. It is completely unfair and they are preventing me from obtaining credit with new creditors. Please assist me in getting XXXX XXXX XXXX XXXX XXXX to stop reporting this as it is fraudulent reporting and collecting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted Transunion and the companies below repeatedly and have asked for them to remove the following inquiries I did not authorize my credit to be pulled or applied for anything with the following companies 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 2023-07-17
Company: EQUIFAX, INC.
State: MN
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 demanded that these agencies remove these accounts from my credit report. That I did not give permission to be there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-13
Company: Vengroff Williams, Inc
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter in the mail from this company XXXX XXXX XXXX in regards to an alleged obligation. I am sending a notice delivered in accordance with the Fair Debt Collection Practices Act 15 USC 1692g, noting reference/account # XXXX claim is contested and validation is required.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I was using cash app and wanted to cash out {$43.00} to my bank account. I also payed an extra fee of {$.00} to have the money sent to my account the day of. But it has been three days and my money is not yet there. So I called XXXX XXXX XXXX and they said my money should come soon. But I also wanted to call cash app to confirm that my money would be sent soon. When I called their number it was obvious they were trying to scam me for {$100.00} and were also trying to figure out my age and social security number. The phone number I called was XXXX XXXX XXXX. I would like if you could shut this number down so others dont give up their social and their money to this scammer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
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:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the Experian, XXXX, and XXXX to reinvestigate these accounts : 1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXXXXXX XXXX XXXXate of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized NXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. The following account is not mine XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

10. The following account is not mine XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

11. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other item of information, other than records of convictions of crimes, antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-01-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I had a savings account with Capital One Bank ( Acct. # XXXX ), which was set up as a traditional IRA. Without any notice to me and without my consent, Capital One transferred the account to a company called XXXX XXXX XXXX, which was something I did not request or want. I only discovered this occurred when I received a statement in the mail from XXXX XXXX XXXX for this account that had been with Capital One 11 months after my money was transferred. 

The problem is that my savings account with Capital One had no fees associated with it and was FDIC insured. However, XXXX XXXX XXXX is charging me maintenance fees, statement fees and says they will charge me an account closure fee if I move my money to another institution. I never agreed to be charged any fees for this account because I opened a fee free savings account with Capital One. These fees are eating away at my savings, despite the fact that I never agreed to my account being sent to a company who would eat away at my savings by charging many fees. 

I contacted Capital One about this on XX/XX/23 and they refused to do anything to refund the fees, saying the account was closed and they could not refund fees charged by XXXX XXXX XXXX. My complaint is not about XXXX XXXX XXXX, but is a complaint against Capital One as they should not be allowed to just send my savings account to some other place that is not even a bank, is not FDIC insured and is charging me a ton of fees that my Capital One account never incurred. I set up this account to save for retirement, but this transfer by Capital One is meaning I am losing money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: PulteGroup, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I had applied for a loan and authorized a credit inquiry. However, my credit was pulled subsequently, before credit documents expired, without my explicit consent or knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Experian Information Solutions 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:
The data furnisher failed to provide correct and accurate contact information on the consumer credit 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 2023-05-03
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2023, someone made a purchase at XXXX 's XXXX XXXX, a cosmetics store, for {$240.00}. This should have been impossible as I was not physically at the store, or in the area, and my credit card was on me. When I called the store, they said someone came into the store and made a purchase with a physical card, so they must have cloned my card somehow. 

I immediately contacted my credit card company, Chase, and they cancelled my card and sent me a new one while they investigated. Today, XX/XX/2023, I received a letter from Chase saying they investigated and are denying my fraud claim because " You received benefit from this transaction. '' I have never shopped at XXXX 's XXXX 's XXXX. As a single male, I have never purchased cosmetics for myself or for anyone else. It's baffling that someone thinks I would inconvenience myself for the sake of {$240.00} in cosmetics, as I had to cancel and updated all of my online payments. 

I would very much appreciate your help in resolving this with reason. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-06
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
I sent a certified letter to LexisNexis stating the issues with the errors in my file dealing with two bankruptcies and asked them to delete them. It has been more than thirty days and they have not responded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction.

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 2021-03-05
Company: CITIBANK, N.A.
State: KS
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
opened a savings account on XX/XX/XXXX. Initial deposit of XXXX then two other deposits of XXXX then XXXX. XX/XX/XXXX my account was blocked. I called, and they told me my account is blocked and they it was under review and that it would take 24-48 hours. It has now been two weeks and they still say that my account is being reviewed and they don't know why it's taking so long and how long it would take. They also can't transfer me to whatever department does the reviews. I've called XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, I have also texted their text line XXXX XXXX XXXX XXXX, I've also talked to their online chat service and emailed customer service at XXXX The only activity on my account was the 3 deposits. I never used the debit card or even transferred money out of the 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 monetary relief
Consumer complaint received 2022-03-10
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I sent multiple letters to Bureaus over the last year about this alleged bankruptcy and It was finally removed from my XXXX Consumer Report on XX/XX/2022 Only. But 3 the accounts that tied to this alleged bankruptcy remains and they should be removed. These are the 3 accounts are tied to the alleged bankruptcy and the bankruptcy is removed/deleted from transuion so the accounts be removed as a result. 

XXXX XXXX ACCOUNT : XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXX  XXXX ACCOUNT : XXXX I sent all of the of required documents needed to show the alleged bankruptcy and the accounts tied to the bankruptcy must be removed. 

According to the FCRA, in order for you to furnish the alleged US BANKRUPTCY XXXX you would need to be able to both VALIDATE and VERIFY the information with original creditor. The US Bankruptcy XXXX would be the creditor to furnish this information and have previously communicated with through documented mail that they DO NOT furnish any corresponding information to ANY of the CRAs. Including but not limited to the 3 MAJOR credit reporting agencies ( EXPERIAN, XXXX, AND XXXX ) and the minors such as XXXX XXXX, XXXX XXXX, XXXX, and the likes. US Bankruptcy XXXX has also assured me that it is not within their policies or obligation to validate any public records. Following my confirmation with US Bankruptcy XXXX, I also confirmed with XXXX that they were not able to validate this alleged bankruptcy in accordance with federal law. 

Having the abovementioned information, ( EXPERIAN, XXXX, AND XXXX ) is violating my federally protected consumer rights. In addition to that violation, you are also committing fraud since you claim to have verified this bankruptcy but your sources deny that. Should you need a reminder please refer to 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ) and I DID NOT give you neither direct nor indirect permission to furnish my information. 

They continue to violate me as a consumer and I have called them as well and they continue to say that the Bankruptcy COurts verified the bankruptcy when clearly the letter states that they dont. So the are lying and committing FRAUD willingly and knowingly.

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 2023-08-23
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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