BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-30
Company: EQUIFAX, INC.
State: MI
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 Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15USC1681Section 602A states that I have the right to privacy.

15USC1681Section 604A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
I have attempted multiple times to have KOHLS/CAPONE vaildate a debt they have listed on my credit report that they claim I owe. My first letter, sent on XX/XX/2021, was responded to with a letter asking me to provide more information about this so called debt. I then sent a second letter on XX/XX/2021 requesting this information be removed from my credit report if they are not able to provide proper validation of this debt. As of writing this today, XX/XX/2021, I received XXXX response to my validation requests for this debt. No supporting documents to prove this is my debt, such as documentation bearing my original signature, has ever been provided to me as requested. I have given KOHLS/CAPONE over 60 days now to zeither validate, or delete this account from my credit report and no response with valid proof has been given. According to the FCRA, KOHLS/CAPONE has violated my rights as a consumer and I'm requesting this account be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I Try to Apply for Employment & On Line Pop Up That I have to Pay {$1.00} to Apply for a Job. Pay to Transunion. we were agree. When we received {$1.00} Charges & {$19.00} ( Which i was not aware of that ). Until came On My Credit Card. I call My XXXX XXXX XXXX Card Company. They refuse to remove it. I call Transunion They Refuse it also. We would like to have a Refund of that {$19.00} from Tranunion.

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 2022-12-06
Company: PNC Bank N.A.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been having serious ongoing issues with PNCs method of accounting of my mortgage account. PNC Bank is not transparent. PNC has been using a technique of fancy math accounting in order to take my money. 

On XX/XX/XXXX, I received a response email from PNC representative, XXXX XXXX. I asked for the negative escrow balance. He stated that my negative balance is {$8100.00}. This balance is incorrect. I then received this dismissive response Great! I will be putting together the letter and have it reviewed to be submitted to the CFPB. The regulatory due date for this submission is XX/XX/XXXX, if the review is not complete by then regulatory allows an additional 45 days. Once it is complete it will be uploaded for you to review. 

Based on my calculated math, I owe PNC Bank a total of {$5000.00}. Total Negative Escrow balance ( created by inept PNC and confirmed by PNC in prior email ( {$9500.00} - Total Escrow Shortage ( and credits ) Paid and On AMs Account Negative Balance Remaining ( {$4400.00} = {$5000.00} ( negative balance remaining ). 

Short Summary Of Ongoing Problems/Issues With PNC Bank PNC Bank neglected my escrow account. As a result of this PNC Bank hurriedly paid my XXXX XXXX quarter property taxes in the amount of {$8000.00}. PNC paid this amount in order not to lose its security interest in my property. 

On XXXX, XX/XX/XXXX, I received a delinquent tax notice from the XXXX XXXX XXXX XXXX XXXX Collector stating delinquency for taxes and late charges in the amount of {$1700.00}. 

On XX/XX/XXXX, as email instructed by PNC, I started to pay {$200.00} ( escrow shortage ) of which I paid {$200.00} for XXXX  months ( XX/XX/XXXX to XX/XX/XXXX ). 

In XXXX of XXXX, I received an email from XXXX XXXX of PNC Bank with two options of repayment of escrow shortage : {$200.00} or {$180.00}. I choose {$180.00} as the impact caused on my finances because of PNCs negligence was and is causing me deep distress. I started escrow shortage payment of {$180.00} on XX/XX/XXXX ( see email confirmation from XXXX XXXX at PNC Bank. I have paid {$180.00} to PNC Bank every month. 

Can you help? I can not get a straight answer out of them. I need to pay off balance and get rid of this bank. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
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:
XXXX bank # XXXX XXXX XXXX # XXXX I sent a letter out on XX/XX/XXXX to Experian, XXXX, and XXXX. Here is my tracking number : XXXX. However the credit bureaus said the completed the investigation and everything was 100 % accurate. 
According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 
The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge conceming any such items of information. However, such information shail not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer, I would like to know who did they talk to. 
How did they complete this investigation

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 2018-10-28
Company: Franklin Collection Service, 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: Information belongs to someone else

Complaint:
I logged into my XXXX account this morning XX/XX/2018 and discovered that a company called " FRANKLIN COLLECTION SV '' was repeatedly flagging my account for the balance of {$58.00}, once on XX/XX/2018 and again on XX/XX/2018. I have never heard of this company, nor ever received any calls from their phone number XXXX. Under " Original Creditor '' they had put " XXXX XXXX, '' which I am assuming is XXXX XXXX XXXX. I have already disputed another fraudulent credit company for a false bill " from XXXX XXXX XXXX '' and have proof that they are charging the wrong person/falsely charging me because they have my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Unexpected or other fees

Complaint:
I received a check for {$50.00} drawn on a Bank of America account. I went into the XXXX XXXX XXXXXXXX of Bank of America and was charged an {$8.00} fee. 

Under the UCC Section 3-109 checks presented by the bearer are payable on demand. No fee is provided for in the UCC. Bank of America was in effect wrongfully dishonoring the check of its customer. 

Under California law, California Business & Professions Code 17200, the fee is an unfair and deceptive trade practice. 

Under the Federal Trade Commission 's new regulations, this is an illegal junk fee. Further, this fee exacerbates inequality in America, is unethical, immoral and illegal.

In addition, this is an antitrust law violation because it attempts to monopolize the banking industry to get customers to open an account through pressure tactics.

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 2022-11-14
Company: OneMain Finance Corporation
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I used my social security number/card defined under 15 USC 1602 ( l ) to extend credit with OneMain Financial. I am a natural person, federally protected consumer, and original creditor defined under 15 USC 1602 ( g ). The " loan '' which is the subject of this transaction was primarily for personal, family, and household purposes. First and foremost, I was never informed on the cost of credit and was never given adequate notice which sets forth the pertinent facts of this transaction which is a violation of 15 USC 1602 ( k ). I did not receive written notice from OneMain Financial providing the name of the original creditor or the amount of the alleged debt under XXXX5 USC 1692g. Congress makes it clear that consumer credit would be strengthened by the informed use of credit. The only decision I was given after the consummation of the transaction was to pay the " loan '' without penalty which violates 18 USC 880. My decision regarding the entire transaction was uniformed. OneMain Financial has engaged in extortion and racketeering activity under XXXX XXXX Chapter XXXX. I am aware that all extensions of credit are tied to my social security number and that the United States is responsible for the repayment of the alleged debt under XXXX XXXX XXXX. Their conspiracy against my rights is affecting my ability to operate in commerce. This is a violation of XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
someone used my personal information  to open  several fraudulent accounts in my name .XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This 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. The stuff on my credit report is wrong 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-23
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I did mobil check deposit on XX/XX/22 and everything was normal how it has always worked the check was pending I received the XXXX until rest of the check cleared, I transfer XXXX dollars on XX/XX/22 to my regular checking account to pay a bill which I did. Later that evening I went to grocery store and my card declined, so I went to see why at the atm and it showed I was XXXX in my account. They pulled the XXXX back from me and slapped me with a negative balance. Following day XX/XX/22 I went to XXXX XXXX california branch to find out why this had happened I was told the fraud department put the hold on my account and that if the funds cleared tomorrow the hold would be lifted.That same night I go to check if there has been any change to my account and I magically have XXXX dollars in my account, so I pay my phone bill go to bed wake up the following morning and Im now XXXX in my checking out so now Im XXXX in the negative between my checking and savings account. So now its XX/XX/22 XXXX oclock at night my car payments due and they still have not lifted the hold even though I was told the check has cleared and was a good check, so Im late on my car payment now which will now have fines for me to pay.

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 2023-06-19
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX  XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX  XXXX Balance : {$11000.00} XXXX XXXX XXXXXXXX Balance : {$6000.00} XXXX XXXX  XXXX : {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: EQUIFAX, 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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

US Dept of ED 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
See attached.

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 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX, XXXX, and Transunion 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. Accounts XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, and XXXX XXXX XXXX Acct # XXXX are in violations. 

According to 15 USC 1681i XXXX, TransUnion, and XXXX shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Account XXXX Acct # XXXX has be verified as accurate and updated but yet hasnt updated status as disputed and XXXX has the account listed as open when its closed. Evidence provided below

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 2023-05-20
Company: EQUIFAX, 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: Account information incorrect

Complaint:
My student loans were sold by XXXX XXXX to XXXX. XXXX XXXX held my student loans since XX/XX/XXXX. When they were sold to XXXX ( approximately XX/XX/XXXX ), my student loan account was closed on my credit report. It was my longest open line of credit ( since XX/XX/XXXX ). Closing the account, negatively impacted my credit score. A few weeks later, XXXX opened 9 new accounts on my credit report -- one for each individual disbursement over the past decade+. XXXX listed my oldest account at 7 years old although XXXX XXXX reflected on all three major credit reporting bureaus that it was as old as XX/XX/XXXX ( 12 years -- not the 7 years XXXX is reporting ). The numerous, newly created accounts by XXXX along with closing my oldest line of credit after my student loans were sold, dropped my credit score more than 100 points. I've attempted to contact them about the issue/ concern. I submitted an online inquiry through their website and have not heard back. I called and spoke with a customer service representative who was unable to offer any sort of advice or guidance in correcting the issue. The representative stated that XXXX XXXX was likely reporting it incorrectly previously. XXXX XXXX held my student loans for over a decade. I have no control or say in my student loans being sold. Whether XXXX XXXX was reporting incorrectly or not is irrelevant. Why am I being penalized for something completely out of m control? To make matters worse -- I am currently in school. With the way XXXX is reporting, a new account will be opened on my credit each time a student loan payment is disbursed. In my case, each school term is approximately 10 weeks long i.e. XXXX will create and open a new account each time a payment is disbursed every ten weeks until I graduate. Each new account negatively impacts my credit score. I'm not sure how this is ethical or even legal and have no one to turn too for guidance or any sort of resolution. Credit score impacts every area of our lives : homes, vehicles, school, medical, etc..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-29
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
At appx. XXXX on XX/XX/XXXX money via XXXX from my Chase Account was sent to Unique Moore on two separate transaction. Because the service was never provided and the phone numbers that I was in contact with have been disconnected I am a victim of fraud. 
The following are the phone numbers : XXXX - XXXX - XXXX & XXXX - XXXX - XXXX. 
The service was supposed to be tickets to the XXXX XXXX game scheduled for XXXX XX/XX/XXXX. As of XXXX XX/XX/XXXX the tickets have not been sent to my XXXX account as promised by the recipient. A screenshot of my XXXX account that includes the date and time confirms this. Please find it attached. 

I recipients name the funds were sent to is XXXX XXXX. Her phone number is XXXX - XXXX - XXXX. 

I swear under the law this transaction did not deliver as requested. 

Since XXXX, I have been in contact with XXXX, Chase and the XXXX XXXX Police Department to resolve this issue. Case # XXXX was generated with the XXXX XXXX Police Department as they are investigating. Chase has initiated a backorder investigation are attempting to retrieve my funds as a " courtesy '' as the representative put it. 

I have attached all the needful documents. I have included the Please find them attached. 

P.S. I just attempted to call the XXXX number that corresponds to XXXX  XXXX. I called at XXXX today XX/XX/XXXX. A woman answered the phone and confirmed it was indeed XXXX XXXX. I informed her of the above information and that the police are in involved. She denied that she had ever received the money. Of course, Chase Fraud Department has indeed confirmed that the money was indeed sent evidenced by the transaction # 's attached.

Company response to consumer: Closed with explanation