BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-06
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
At around XXXX on XX/XX/2023, I attempted to deposit {$800.00} in cash ( XXXX XXXX XXXXXXXX XXXX XXXX ) into my bank account using the drive through ATM located at PNC Bank XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX XXXX ). I used my debit card and the ATM took my {$800.00} and said it was counting the deposit. After waiting for a few minutes, the ATM screen read that the transaction was cancelled and gave me back my card. It however did *not* give me back the {$800.00} cash, nor a deposit receipt. I called my bank immediately who looked into it and reported that they have no record of any ATM cash deposit because the transaction was canceled before there was a connection made. They told me there was nothing they could do and that I should contact the PNC Bank where I made the deposit. I was still at the location, so I then went inside the PNC Bank and met with XXXX XXXX, a manager at the bank. He took my information and told me that my money may be found when the ATM is reconciled. However, upon following up with him, he said that there is nothing they can do. I also called the PNC Bank customer service who said there was nothing they could do. So, in effect, the PNC Bank ATM took {$800.00} from me and didn't give it back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 
XXXX XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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 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 adverse item of information, other than records of convictions of crimes which 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27
Company: Credit Sage LLC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Charging illegal advance fees for credit repair services, Misleading consumers about the costs of their services, Failed to disclose limits on money-back guarantee, Misleading consumers about the benefits of their credit repair services. They are also using a 3rd party company to warm transfer calls thinking they were calling to rent a home or get a personal loan. The company also is paying employees under the table.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: CITIBANK, N.A.
State: TX
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XXXX Book preordered from XXXX XXXX XXXX XXXX XXXX Advised XXXX XXXX XXXX I am moving to XXXX  and to send it to my new address XXXX  - Follow up with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acknowledges, has been dealing with family issues XXXX - Shipping confirmation with old address received. Asked XXXX XXXX XXXX to confirm they will correct mailing address. 
XXXX - USPS confirms package delivered to old XXXX XXXXddress XXXX - Reached out to XXXX XXXX XXXX to send me a replacement or refund XXXX  - Opened Dispute with CitXXXX XXXX - Citi closes dispute with no investigation and says " Customer Responsible '' XXXX - I provide communications and proof that address change was confirmed and book still sent to wrong location XXXX  - Citi reopens dispute XXXX - Citi contacts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX responds. Their answer is simply, " XXXX shows delivered. '' To the incorrect address. 
XXXX  - Citi closes dispute as " Customer Responsible ''

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 2021-07-30
Company: Nelnet, Inc.
State: TN
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:
My student loans had gone in default and were transferred to a collection company- back in XXXX  I setup a payment plan to bring those out of default but the old information still shows on my credit report. In addition that company helped me consolidate my debt owed to middle XXXX XXXX XXXX into my loans that are out of default and back to being processed through Great Lakes and are currently deferred due to Covid 19. The XXXX old account information still shows on my report as well. This year I submitted a new fasfa and tried to reenroll at XXXX. I was told I still owed that account balance that I had thought was consolidated so I paid it to the school in order to enroll. After I submitted a complaint with you I noticed my consolidated loan balance went to XXXX rather than XXXX refunding the money to me during a current hardship as a single mother. I decided not to reenroll at the college due to a multitude of troubles that I endured while registering and with the financial aid awards being different than what I had been told in correspondence from fasfa. All the old holders of my loans before transferred or while in default are still showing also.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 adverse item of information, other than records of convictions of crimes which 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.

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 2023-01-06
Company: Experian Information Solutions Inc.
State: NY
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 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 2021-07-30
Company: BAM Management US Holdings Inc.
State: RI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Account 'frozen due to risk management ' since XX/XX/XXXX, have tried endlessly to contact them including providing documents upon documents that they requested from me until they just stopped responding via email. They have over {$500000.00} worth of my assets in the form of cryptocurrency on their platform and will not respond to anything. I have plenty of tickets and corresponding emails where they requested me for identification items that i submitted until they completely stopped responding to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On or about XX/XX/2022 received an offer from TD Bank its stated that if I spend {$500.00} on eligible purchases within the first 90 days of opening account I will receive {$200.00} cash back. I completed the above and applied for this offer however I did not receive my {$200.00} I only received {$150.00} cashback reward. I applied for this offer online and call the bank to request an additional {$50.00} as was stated in their offer. They refused to give me the money. I applied the preferred customer number for this offer. Ive made copies of the flyer that I received and attached to this complaint. I would like to {$200.00} that I was offered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-20
Company: Midwest Recovery Systems
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:
Midwest Recovery Systems reference complaint XXXX. As of XXXX, I have been trying to get this collection which is fraudulent, off my credit report with XXXX  and XXXX. It still remains after they responded to this agency that they would have it removed. 
They are not a legitimate Service. They rejected my letter as attached and continue to ruin my credit. I was denied credit for a personal loan on XX/XX/XXXX from XXXX, which clearly states it's due to a Collection from Midwest. See enclosed. I am sick over this and will persue legal action against this place if not rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
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 account with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : Account # XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX XXXX XXXX : Account # XXXX, XXXXXXXX XXXX  : account # XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX XXXX : Account # XXXX, XXXX XXXX : Account # XXXX, XXXX XXXX : Account # XXXX, XXXX XXXX : Account # XXXX, XXXX XXXX : Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX : Account # XXXX, XXXX XXXX : Account # XXXX, XXXX XXXX : Account # 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 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 adverse item of information, other than records of convictions of crimes, which 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.

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 2023-01-06
Company: Experian Information Solutions 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:
The balance and limit on my XXXX credit card is wrong. I called the credit bureau on XX/XX/2022 and filed a dispute for them to update their records to the latest information. They haven't responded to my dispute or updated my information. Their website still shows my old balance and limit. I tried to follow up on their website but it only shows that the dispute is " in process ''. I explained to the agent that opened the dispute that I needed the information updated expeditiously due to a loan that I'm trying to finalize. This balance and limit has already reflected in XXXX, but not in the other two credit bureaus.

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 2017-08-09
Company: CITIBANK, N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My ATM card was stolen and there were 3 unauthorized charges and several unauthorized ATM transactions. Citibank is giving me the runaround about the ATM transactions. They had no problem refunding the charges but they 're giving me a headache about the ATM transactions. Even though some of the charges were BEFORE the ATM transactions. I 've never used this account for ATMs. Anyway, I get this letter that says they tried to contact me for follow up and were unsuccessful. That ca n't be true, I 've received no communication from them. Anyway, the letter says to contact XXXX XXXX and so I did. She says I have to call and reopen the claim. So I call and they tell me that the claim was denied. Why would the ATM transactions be denied but the charges be approved? It does n't make sense.

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 2023-03-16
Company: Fay Servicing, LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I started a complaint the other day, but was using my cell phone, not realizing that you '' d need files for my case, now I'm at my computer. We own adjacent properties at XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX is the property in mortgage, XXXX is property I inherited. Like I stated before, my mortgage company has changed hands five times in the last few years. First it was XXXX for twenty plus years, then XXXX, XXXX XXXX XXXX, XXXX XXXX, now Fay Servicing.Never had an escrow until XXXX XXXX. Before XXXX XXXX put us in escrow, or monthly payment was {$1600.00}, after escrow it was {$1800.00}. But they put the wrong property into escrow, they paid the taxes for XXXX XXXX XXXX XXXX, not XXXX, we tried to tell them, but it changed hands to XXXX XXXX. We contacted XXXX XXXX and explained the situation and then they charged us escrow on both properties, my monthly payment went from {$1600.00} to {$2300.00}, charging me {$690.00} in escrow fees. We went around and around with XXXX XXXX, then it switched to Fay Servicing, we got a hold of them and again tried to explain what is happening, but we're still being charged for the two properties. I have all the documents, and I haven't paid a bill until we have this resolved and I currently owe according to them {$9500.00}. Hope there is someway to resolve this mess, because they are not listening to my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: Experian Information Solutions Inc.
State: PR
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:
MY ACCOUNT WAS LINKED BY  XXXX  WITH  XXXX   XXXX  WHEN I OPENED AN ONLINE ACCESS TO REPAY MY LOAN. BUT WHEN I ENTERED TO THE SITE OF  XXXX   XXXX  TO CHECK THE PAGES WAS OUT OF SERVICE. I HAVE NO KNOWLEDGE OF ANY LOAN WITH  XXXX   XXXX  OR THE AMOUNT THAT APPEARS THERE. I HAVE ONLY A LOAN CONSOLIDATED WITH  XXXX  AND ALSO DOES NOT RECOGNIZE IT BY THE DAY IT WAS OPENED BECAUSE I WAS N'T ATTENDING COLLEGE AT THAT TIME. PLEASE REMOVE MY LIABILITY TO THIS ACCOUNT. IS AFFECTING MY  CREDIT SCORE A LSO IT SAYS THAT IS CLOSE AND IS INCREASING  XXXX  DOLLARS EVERY MONTH.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: Experian Information Solutions Inc.
State: IN
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 been fighting with the bureaus regarding accounts on my credit report that need to be removed that aren't mines, and yet here I am again receiving debt collection calls about accounts that I have never opened, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, and a few others. I have included them in my police report as well as my FTC Report. I should already have a fraud report on file, there should be no way companies are able to run my credit without me being notified, I have recently changed my number due to the heavy call volume of debt collectors reaching me on things I never purchased. I never had any banks or debits until I found on by recently checking a credit report of mines. I want these items investigated and deleted, also want them blocked. I had a car that I paid in full sent in documentation of it being paid in full and being signed over to me from the XXXX XXXX company and it has showed back up ... PLEASE FIX THIS. This is draining. All the fraudulent inquiries from phone and finance companies, XXXX accounts. Just alot of things done without my consent.

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 2023-08-29
Company: Experian Information Solutions Inc.
State: NY
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 am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed 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 2023-03-16
Company: DISCOVER BANK
State: TX
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I initiated a return with XXXX for an article of clothing. The item was delivered according to the tracking information. I talked to XXXX over 10 times and they did not give me my refund. I then initiated a dispute with Discover. It has been over 3 months since and they are uncooperative and extremely slow. I talked to many of their agents and none of them were able to help me. In fact they were rude, did not listen to what I had to say, and could not provide me solutions and give me confidence in their service. I just want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: JPMORGAN CHASE & CO.
State: NY
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 creditors has violated my rights. 
Under 15USC1681 section 602 states : I have a right to privacy. 15USC 1681 Section 604A Section 2 also states that consumer reporting agency can not furnish an account without my written instructions. 
Under 15USC1666B a creditor can not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation