BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-21
Company: PNC Bank N.A.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was transferred from XXXX to PNC in mid XXXX, 2016. I made my XXXX, XXXX and XXXX payment to PNC without any problems. My mortgage payment to PNC on XXXX XXXX, 2016 was charted as NSF on XXXX XXXX, 2016. When I called PNC to inquire about why I owed XXXX payments in XXXX and proved that my bank had successfully paid the XXXX payment, an investigation was open. The conclusion came and PNC stated that the money had been requested by XXXX and they paid XXXX money in a lump sum ( from multiple payees ) through a wire transfer to a specific person. They could not provide information as to why the money was requested and suggested I contact XXXX. I did and they opened an investigation and can not verify why the money was requested and stated that PNC should know the reason if they sent the money. I have been back and forth with both companies since XXXX. For the months of XXXX, XXXX, and XXXX, a woman who worked at PNC, a team leader, allowed me to make payments one month at a time until this was resolved since there is a supposed missing payment. This month I have been unsuccessful in contacting her and have been transferred from person to person with no resolution. I have asked repeatedly if I can make my XXXX payment, but PNC will not take " partial payment '' and state that I need to make XXXX payments. I would like to be informed as to why this money was transferred to a third party company three months after my mortgage was transferred to PNC. If I do not owe the payment in question, I would like this cleared from my record. If I do owe it, I want to be informed as to why before making a payment. It seems for the past three months no one has resolved the issue. It is only creating time lost on my end making the phone calls repeatedly over and over again. Also, when I am successful making a payment at PNC they charge a XXXX service fee for not having an account with them. I am not sure why this is allowed since I did not ask for PNC to hold my mortgage, rather it was transferred to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
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 Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number:1230 has violated my rights. Or a list of inquiries : 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 2023-01-18
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: Personal information incorrect

Complaint:
I recently sent in the complaints attached requesting an update to my personal information. The companies have stated that this information was in the process of being updated. I recently pulled my report and still see the inaccurate information. This information is fraudulent and does not belong to me. I demand that this information be removed as requested. 

Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Employers : XXXX, XXXX XXXX Employers : XXXX XXXX XXXX, XXXX According to the Fair Credit Reporting Act " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure in Case of Disputed Accuracy... 

( a ) Reinvestigation of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at an agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, 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 ( 5 ), before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or seller.

Therefore, my position is being clearly stated, these personal information items as reported are in error, meaning that you are reporting inaccurate information within my credit file. The fact that these are inaccurate information means that you, this credit reporting agency, are reporting incorrect accounts/and or items.

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 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 2.  The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXXE Date of inquiry : XX/XX/2023 Delete this 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 non-monetary relief
Consumer complaint received 2017-03-23
Company: DISCOVER BANK
State: NY
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
In XXXX 2012 my son opened a credit card with Discover, it was a student card. The card had a {$1500.00} limit, that summer he went to Florida and proceeded to charge an additional {$700.00} over his limit ( Discover allowed him to do this ). I am not even sure they checked his employment to be sure he could afford to pay off that kind of debt. When it came time to make payments on the card I had to get involved to help assist him with this debt, I had called Discover on his behalf and they needed approval from him for me to speak on his behalf he said that was ok. Meanwhile Discover added me on to the account as an authorized user, the way I found this out was the other day I was checking my XXXX account and they said out of XXXX payment XXXX were on time the XXXX that were late were Discover card payments. I do not have a Discover card in my name, I reached out to XXXX and XXXX, XXXX said they would dispute it for me, I could not get a hold of XXXX XXXX. I am asking for assistance to have Discover remove me off of my son 's account that I never approved them to do and to remover the XXXX late payments off of my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-22
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2021 I entered into an agreement with XXXX resurgent to settle a debt from the creditor, XXXX XXXX. I entered an arrangement to pay {$310.00} a month for four months. ( XXXX XXXX, 2021 XXXX however, in XXXX I could not make the payment, I asked the XXXX resurgent if I could resume payment in XXXX. They said no. They said that I would have to set a new settlement and payment arrangement. They told me in order to do this that I would have to pay {$50.00}. I paid the {$50.00}. The agent called me back to set up a new settlement a few weeks later. However, the company went ahead ant took {$310.00} out of my account during the month of XXXX, 2021. This was after they told me that my settlement agreement was voided due to the XXXX missed payment. Also, when they called for a new settlement, they did not factor in any of the payments that had been made. They attempted to reach a settlement for the original amount from XXXX  XXXX. And not the four payments of {$310.00}. 22

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: Experian Information Solutions Inc.
State: IL
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:
Experian, indicated there was a reinvestigation which signals an initial investigation was done. Results from that investigation were neither logged, rendered, nor provided to Mr. XXXX, in 30 days and or til date, despite Mr. XXXX repeated requests. Second, Mr. XXXX requested Experian to provide the method of accuracy & verification used by Experian pursuant to FCRA 611et.seq. and or 611 ( 5 ) ( A ) ; and Experian remains non-compliance till date. Third, Mr. XXXX requested Experian to provide a court order judgment showing that named Creditors listed was the injured party and or an order of this allege debts with a judicial signature with circuit/district 's stamped seal regarding account # s listed for Creditors. Thus proving its legal accuracy & verification of this allege debt belonging to Mr. XXXX Hence, Experian again went silent.

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 2023-12-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello, I have reported fraud from my business bank account as someone hacked my account and had been using my card electronically without my consent or authorization and knowledge. I reported the claim to Wells Fargo and they denied it after '' thorough investigation ''. More than {$4000.00} was stollen from my account in a day through different forms such as flights, XXXX, money transfers, and t-mobile purchases. All of these were large transactions and not once did my bank ( Wells Fargo ) report suspicious activity. I believe this should have been done as all the purchases were large, some up to {$1000.00}. I submitted a claim with my bank immediately of XXXX pending transactions on XX/XX/XXXX when I was alerted by XXXX XXXX XXXX  of suspicious activity, the transactions were posted on XX/XX/XXXX, even after I had already reported them. A few days later XX/XX/XXXX was told the claim was denied because it was missing certain criteria for fraud. I asked to reopen the case as I have proof none of these transactions were done by me and seem to have been made out of state and I physically have my card and have not given it to anyone ever. I am disappointed as I believed my money would be returned as Wells Fargo has claimed to protect agains fraudulent activity and its actions have not proven to do so. I am a XXXX XXXX XXXX  and had loved my experience with Wells Fargo.

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 2023-07-28
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-15
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: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act 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

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 2017-04-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Once again, a potential Lender can not access my Equifax credit report. I have no security freezes in place and want Equifax to permanently resolve this issue. Every few months I have to go through this and Equifax can not give an answer why it continues to happen. I do not need a copy of my report. I just want Lenders to have access to pulling it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX  XXXX XXXX # XXXX and XXXX XXXX # XXXX are double reporting on my account. XXXX   XXXX  was sold to XXXX XXXX  but they are both on my credit and reporting a balance. This is in violation and it needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: Paramount Recovery Systems, L.P.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Paramount Recovery Systems, L.P. sent me a letter claiming that I owed XXXX for a XX/XX/XXXX visit to XXXX XXXX  located at XXXX XXXX XXXX, XXXX XXXX, IA XXXX. The bill from Paramount Recovery Systems XXXX L.P. was dated XX/XX/XXXX and received XX/XX/XXXX. On XX/XX/XXXX I called Paramount Recovery Systems at XXXX XXXX XXXX XXXX and spoke to a representative at Ext XXXX. In this call I asked for proof of the debt and was told it would be sent. 
According to the billing department at XXXX ( was billed through XXXX XXXX  ) amount due from XX/XX/XXXX statement of XXXX was paid in full on XX/XX/XXXX. Furthermore, XXXX billing department claimed to " never have heard of '' XXXX XXXX XXXX. As of XX/XX/XXXX I have not received further verification of the debt owed in the mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I AM A VICTIM OF MORTGAGE FRAUD AND DISCRIMINATIONS FROM WELLS FARGO HOME MORTGAGE. AS A RESULT OF A CLASS ACTION LAWSUITS FOR MINORITY HOMEOWNERS, I WAS ISSUED A CHECK BY WELLS FARGO XXXX. RECEIPT OF THE CHECK WAS SO UNTIMELY, THAT MY BANK REJECTED THE CHECK AS OUTDATED. I RETURNED SAME TO WELLS FARGO XXXX MORE THAN 7 TIMES FOR A REPLACEMENT. AS TODATE, I HAVE NEVER RECEIVED ANY REPLACEMENT OF THE RESTITUTION CHECK AS ORDERED BY THE UNITED STATES DEPT OF JUSTICE. OUTDATED CHECK NO XXXX, TRACKING NO XXXX, CHECK AMOUNT {$7300.00}. MY MORTGAGE LOAN NO IS : XXXX. THAT MONEY LONG BEEN OVERDUE TO ME AS RESTITUTION. AND THE XXXX ISSUED ME A BAD OUTDATED CHECK WHICH OF COURSE WAS OF NO USE. I DEMAND JUSTICE AND FURTHER DAMAGES PLUS INTERESTS.

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 2019-09-06
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have tried to refi but I have too many late payments my situation is temporary I would like to put the debt behind the loan lower the interest or get a repayment plan I have been denied a modification because I have private investors backing my loan. 
I have filed an appeal but the paperwork indicates if there was an error they will review it but nothing about actually helping me with a new appeal for my situation. 
I have been trying to reach someone in collections to process a payment plan I am being rerouted to the same person until the appeal period is over. 
Now there is a hurricane in the south where the call center is located and Im not able to reach anybody. I feel like time is running out and nobody is helping me. there are no solutions if someone would like to stay in their home. they just want to do a short sale time is running out I will pay and I was told by a representative that i must be at least more than 2 months late in order to get a repayment plan. I need someone to help me in this matter.

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 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. This information is injurious to my consumer report and I request that you correct this information immediately. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). Also the law 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or any of the data furnishers such authority. Under Section 1681 ( G ), please send me details of the procedures that were used to verify that this account is " correct '' and send me also the name and addresses of persons contacted per regulations found in the FCRA. If you can not provide me all the proof, please immediately remove the late payment status and other incorrect information from these listed items.

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 2023-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was the victim of a sophisticated scam while trying to purchase an antique car on the internet. On XX/XX/XXXX I authorized my investment manager, XXXX XXXX, to wire transfer {$9000.00} to the account designated by the scammers. The account information specified was as follows : Beneficiary/Account Holder : XXXX XXXX XXXX Payment Reference : XXXX Bank : Bank of America Account No : XXXX XXXX XXXX Routing No : XXXX Hightower uses XXXX XXXX as the originating bank and on XX/XX/XXXX, after proper due diligence the funds were transferred. 

On XX/XX/XXXX, after figuring out the scam mechanism, I requested that XXXX attempt to retrieve the {$9000.00} from Bank of America XXXX XXXX assigned an investigator who immediately filed a claim ( XXXX case # XXXX, Bank of America Incident Report # XXXX ) Bank of America advised the XXXX XXXX that they required a minimum of 90 business days to attempt to retrieve the funds. This time period expired on, or about XX/XX/XXXX. 

There has been no meaningful information forthcoming from BOA since initiation of this claim with the last conversation ( no new information- '' claim in process '' ) on XX/XX/XXXX. 

It seems to me that BOA should provide the following information : 1. Does BOA have procedures in place to properly vet their customers? 
2. If so, were these procedures properly followed regarding the reci [ ient of the wired scam fundsXXXX XXXX XXXX XXXX? 
3. Why has BOA not communicated with the XXXX XXXX with meaningful information. 
4. If no recovery has been achieved, does BOA carry insurance or self insurance to protect victims of this increasingly prevalent occurrence and if so how could I, as victim, access these funds? 

I filed an FBI IC3 complaint on XX/XX/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 explanation
Consumer complaint received 2018-11-27
Company: Southwest Recovery Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The company reported an amount to the credit bureau that is not consistent with my records. It also shows two separate amount of which I do not believe I owe.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation