BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-13
Company: PNC Bank N.A.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had a check stolen and washed from my mailbox on XX/XX/XXXX. I checked my bank account online on Sunday XX/XX/XXXX, and I noticed that the check had been altered or " washed ''. I reported this to the PNC Bank the next day, XX/XX/XXXX. The woman I spoke too agreed that the check had been altered. I was advised to report the theft / alteration to the local law enforcement agency, which I did, also to report the incident to the Postal Inspector general, which I did, and fill out a " Affidavit of Altered Check ''. PNC Bank mailed me a blank form. I completed the form and had the document notarized, as requested and mailed the document to the PNC Bank XXXX in XXXX KY. I did all that I was instructed to do. I was told that " XXXX investigations '' could take between XXXX and XXXX  days to resolve on the initial phone conversation. Then, nothing from PNC Bank. I called XXXX times for an progress report and was told that " the bank can not comment on going investigations. '' I was then told in late XXXX that the amount of time that was required for fraud investigations takes between XXXX and 120 days. 
I have a personal banker with PNC Bank, as I have been a long time customer. I spoke with " XXXX '' my personal banker in mid XXXX, she was of absolutely no help. She said that she called and left a voice mail on my cell phone, I did not have any indication that this was true an there was no voice mail. She then went on vacation until XX/XX/XXXX. I spoke to XXXX on XX/XX/XXXX, I was not satisfied with her comments and asked to speak to her supervisor. Her XXXX, " XXXX '' called back the next day. I was not satisfied with his answer of " sorry, this one fell thru the cracks. '' I asked to speak to his supervisor. 
I did receive a call earlier this afternoon from a female, I shared my frustration with the situation. She informed me that the {$650.00} from the washed check had been deposited in my checking account on XX/XX/XXXX. I checked and that was in fact true. Because of the XXXX XXXX during XXXX I missed the deposit. However, neither XXXX XXXX XXXX mentioned that the money had been returned in our phone conversation on XX/XX/XXXX and XXXX, XXXX. I wonder why? 
I believe that the left hand does not know what the right hand is doing and no one at PNC Bank communicates with others, and they are do not communicate with the victim/customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Before all of this, I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim and I do not consent to an electronic communications. I request all responses be in writing throughtheusps. I am filing to formally dispute the information contained in my credit report, specifically regarding the accounts below. Upon noticing inaccuracies in my report, I took it upon myself to reach out to the creditor to request validation of the debt, but to my disappointment, they failed to provide any supporting documentation. My concern pertains to the account in question, which is erroneously listed as a late payment account. I insist that you furnish concrete evidence of these accounts being late and, if such evidence is not forthcoming, I demand the immediate removal of the negative payment status associated with these accounts from my credit report. Please remove the negative status and late dates of these accounts : DEPT OF EDUCATIONXXXX XXXXXXXX XXXX DEPT OF EDUCATIONXXXX XXXXXXXX, DEPT OF EDUCATIONXXXX XXXXXXXX, DEPT OF EDUCATIONXXXX XXXXXXXX, DEPT OF EDUCATIONXXXX XXXXXXXX, DEPT OF EDUCATIONXXXX XXXXXXXX, and DEPT OF EDUCATIONXXXX XXXXXXXX.

Company response to consumer: In progress
Consumer complaint received 2022-11-14
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:
I sent a letter on XX/XX/22 to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This marks my 9th attempt to dispute the information in my credit file arising from an alleged identity theft. Once again, I am submitting an identity theft report ( # XXXX ) in accordance with FCRA Section 605B ( a ) ( 1 ) ( 2 ), mandating the removal of any information resulting from alleged identity theft within 4 business days of receipt, provided with ( 1 ) proper proof of the consumer 's identity and ( 2 ) a copy of an identity theft report. Please REMOVE the items listed in this complaint : Experian : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting 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 need you to verify my report well, because I dont recognize these acconts and these inquirys. 

Inquiryss : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX EQUIFAX MORTGAGE SERVI EQUIFAX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: EQUIFAX, 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: 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. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name XXXX XXXX XXXX Account number : XXXX Account name XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX XXXX XXXX  Account number : XXXX Account name : XXXX Account number XXXX XXXXXXXX Account name XXXX XXXXXXXX XXXX Account number : XXXX Account name XXXX XXXXXXXX XXXX XXXX XXXX Account number : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Company claims to have issued a refund. Money was not devoted to my account 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 monetary relief
Consumer complaint received 2023-03-03
Company: Ability Recovery Services, LLC
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This unknown company is claiming that I owe {$930.00}. I have NOT received any written statements regarding a medical debt as such from this company. Ability Recovery service has also added this to my credit file. I am concerned about where my information came from and there will be an investigation regarding any HIPPA privacy laws that were violated. This company needs to delete this from my credit file because they have NEVER contacted me with the validity of an alleged 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 2023-01-20
Company: Diversified Adjustment Service, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX began sending letters of a debt owed to our home address. It was to a company called both " XXXX XXXX XXXX  XXXX '' and XXXX XXXX XXXX XXXX ''. I have contacted XXXX months ago ( we havent had a XXXX account in about 10 years ) and informed them that they do not have the correct address for this debt and they agreed that it was being sent to wrong address. I asked what should we do and was I formed to just keep sending the letters back and they would note in their system but they kept sending the bills to this address anyway and I kept sending the mail back to them. Now addressed to this same companies at our home address we are getting notices for a collection agency from Diversified Adjustment Service Inc.for {$3700.00}. We have contacted them and they agreed to resolve but this is doubtful. I believe this is some sort of scam someone used our address for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Lendmark Financial Services
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
- XX/XX/XXXX my vehicle hit, I sent to repair shop to get an estimate to fix it - XX/XX/XXXXXXXX XXXX XXXX contact me and lendmark about the car being a total loss. On this date my payoff was under {$7600.00} I also emailed XXXX ( branch manager ) to contact me when the payoff check comes [ i have email proof ] - XX/XX/XXXX I was informed that on XX/XX/XXXX my account was updated ( they took the entire check in place it to my account as if it was my paying down on my account but didn't contact me like agreed ) however me and this XXXX XXXX agreed on paying {$550.00} which I informed him that it would take me time to pay it being that I have other obligations - XX/XX/XXXX I emailed XXXX to inform her that i spoke with XXXX  about the left over interest lendmark is charging me and XXXX advised me to discontinue all my email communication with her and her branch but I can call to clear up any issues. 
- XX/XX/XXXX XXXX emailed me a deferment agreement which she told me on the phone it was neccessary in order to move forward ( even though the agreement had that I owe XXXX still which I brought to her attention ) regardless of the balance being not what XXXX and I agreed on which is {$550.00}. XXXX told me that this was like a formality and if I dont sign it will go in collection so I signed it. 
- XX/XX/XXXX I checked my XXXX account and see that I know owe them over {$1000.00} which its on my credit report and is messing with my ability to rent a home. I have also been sent a letter that say I need to pay {$180.00} so that my account could be in good standing. 

Lendmark officials If I dont get something in writing that states that I just owe you the remaining {$350.00} ( from the total {$550.00} ) I will be filing a lawsuit against XXXX for breach of contract and against Lendmark so that I can protect myself from your business and branch cause I dont trust you guys at all, you lied to me once it will not happen again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The aforementioned accounts are fraudulent and have been included on my credit report without any legitimate basis. I demand an immediate and thorough investigation into how such blatantly false and damaging information was allowed to appear on my credit report. I was the victim & Im not sure why the CRA is not complying with the law. Im very confused why this one seems to ignore my requests. This situation has not only shocked me but has also created an enormous amount of stress and XXXX  as I grapple with the repercussions of inaccurate reporting on my financial standing. 
XXXX XXXX  XXXX PLEASE DELETE!!!! 
It is incomprehensible that your bureau, entrusted with the responsibility of maintaining accurate credit information, has failed to prevent the inclusion of fraudulent accounts. This negligence has not only violated my rights as a consumer but has also tarnished my creditworthiness, potentially causing irreparable harm to my financial future. 
Remove the fraudulent accounts from my credit report promptly and provide written confirmation of their removal. I am appalled by the lack of diligence and oversight that has allowed such a grave error to occur. The impact on my creditworthiness is not to be taken lightly, and I insist on a swift resolution to rectify this situation.

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 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Account # : XXXX To whom it may concern, I am writing to bring to your attention an error in my credit report and respectfully request your assistance in correcting it. I noticed that for the month of XX/XX/2023, my monthly payment was reported as overdue, despite the fact that I had set up automatic payment to be deducted from my bank account on the 29th of each month. 
Upon investigating the matter, I contacted my bank and was informed that due to the 29th falling on a Saturday, the payment was processed on XX/XX/2023. Although I explained the situation to the bank agent and the collection department, they both acknowledged the mistake but were unable to make the necessary correction. 
While I understand that correcting a credit report error can be a cumbersome process, I would like to emphasize the significant impact that this mistake has had on my family and me. Therefore, I kindly request that the overdue payment be removed from my credit report as soon as possible. 
Thank you for your attention to this matter, and I appreciate your assistance in resolving this issue. 
Sincerely,

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 2023-07-06
Company: Genesis FS Card Services, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Hello good evening. My name is XXXX XXXX XXXX. I have been trying to reach someone at XXXXenesis card services XXXX XXXX  to have a fraudulent account removed from my credit information however I have not been successful since I cant verify the information that is on the account due to it being fraudulent. So this is my last stop. I do not know the card number because nothing shows in full on my report. And it has some Texas address that I have never lived either. I live in XXXX XXXX XXXX. Though my information has been part of a marriot data breach. Ive never heard of this company or the card and I am formally demanding it to be removed off my report and from their system. I have already alerted credit bureaus also.This is effecting my college financial aid applications and its just not okay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: NY
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX - XX/XX/2016 BANKRUPTCY New York Federal XXXX 15 U.S.C, 1681section 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 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 2023-07-05
Company: SANTANDER HOLDINGS USA, INC.
State: IA
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:
This was ran without my consent from XXXX XXXX 's dealership ( rep ) sent out letters quote to ask them to remove from my profile and I've called and nothing happened still effecting my and scoring needed removed asap

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: The Law Offices of Kenosian & Miele, LLP
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Newly opened checkings account fund were garnished by a 3rd party debt collector on a debt from a joint account opened in XXXX. Original outstanding debt before my moved out of a state in XXXX was around {$6000.00} ... debt was bought by a 3rd party debt collection agency and moved a judgment against me, which was renewed in XXXX and is now at {$19000.00} I was not notified or no communications attempt about garnishment. 
is this illegal?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
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:
Update my personal info, Delete all the accounts violating the FCRA and reporting inaccurate information and delete all unauthorized inquiries

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: 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:
This is my ANOTHER 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief