BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-26
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/2021 my account became overdrafted with PNC Bank because a pre-authorized transaction came through and sent my account {$540.00} negative and the business won't stop the charge... I've recently been injured on the job and I have no steady income, so on XX/XX/2021, I asked PNC bank if they could revoke the pre authorization of this business until I can work out another arrangement because this over drafted account possibly won't be taken care of any time soon and I've had to do this before years ago because a business was continually trying to withdraw money from my account.PNC bank said that I would have to call the company because they can't do anything about it because it's already posted... In the past whenever this type of thing would happen, banks had no problem revoking the pre authorization but because I have had past direct deposits set up on my account, PNC Bank decided that they wouldn't revoke the authorization because they will just wait till deposits come in so that they can take everything that I have. It seems to me that banks are working for businesses instead of for their customers... Since when does a bank act as my mother and father to make sure that I pay my bills and then charge me tons of these fees which is the banks primary objective anyway to enrich themselves off the backs of the people ... I'm sure if I didn't have any direct deposit set up on my account they wouldn't have let this overdraft go through in the first place..These are typical banking tactics and this is why they pay these bank managers the big bucks because they identify which consumers they can squeeze the most out of as often as they can and like a snake they strike... .People in my age group are very often taken to the cleaners like this by banks because it works in favor of the banks to allow anything that they can make money on to stick... .Nevertheless, I will be closing this account as soon as I can get the overdraft taken care of and run like XXXX away from PNC and find another bank because as it turns out, PNC is not the bank for me...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX : XXXX Account XXXX 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 2023-01-05
Company: EQUIFAX, INC.
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:
The file I will upload are fraud accounts and inquiries, I have submitted this information over and over in still no response for over 5 months. Im a victim of theft and they need to remove these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: Netspend Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/XXXX my SSI check in the amount of {$840.00} and on XX/XX/XXXX for {$750.00} was deposited in a NetSpend account. When I tried to access my funds I was denied. Since XX/XX/XXXX I have been told the following versions of why I can't access my funds. First the request was for a copy of my SS card and my funds would be released. Once they received it they then wanted proof of address. Having been XXXX  I asked if a benefit letter from the DS Administration would suffice and was told yes. I received the letter XXXX weeks later, sent it in digitally and it was rejected as unacceptable. ( NetSpend sent my card to the same address ). I asked what would be acceptable since I had no bills being XXXX. I was told a letter from my XXXX XXXX XXXX would work. I provided a letter sent by XXXX on XX/XX/XXXX. I was told this morning that isn't acceptable. I have requested access, requested a check, and requested them to return the funds to the SS Administration and was told without additional proof of address they can't. They strung me along all month till my next benefit payment was also sent to my account totalling now just over {$1600.00}. I have filed a complaint with the FTC and the Florida Attorney General 's office which provides me this link. Attempts to contact NetSpend now result in disconnection every time and I need help. I have no money for even the basic hygiene products. I read online that the FTC took NetSpend to court in XXXX for the same reasons. They were ordered to pay out {$10.00} XXXX dollars.

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 2021-11-11
Company: OPTUM BANK, INC.
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2021 I elected to close my Heath Care Savings Account ( HSA ) with Optum Bank. The account with Optum was established when I was working with a former employer. 

I wanted to move the funds to XXXX XXXX where I currently have an HSA account. 

To start the process, I called Optum Bank and ask for directions and they told me to contact the XXXX XXXX and start the process. 

XXXX XXXX contacted me today about the transfer and I learned that the process has not been completed. 

Calls were made ( three ) to Optum Bank to determine what the issue ( s ) were and I learned that the paperwork was not received, XXXX XXXX sent the paperwork over within a few days of receiving my competed paperwork. 

I then reached out to XXXX with the fax number and an Email to resubmit the paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: EQUIFAX, INC.
State: NJ
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 2019-06-29
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
This mortgage is held by Loancare for a residential property at XXXX XXXX XXXX, XXXX XXXX CA, XXXX. I have had a mortgage with Loancare for several years. It was refinanced in 2009 and at that time an error was made. I own another home, at the address : XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX, which is financed by another bank. However, somehow, when i refinanced in 2009, the XXXX XXXX property Deed of Trust got attached to the XXXX XXXX property, in error. 

I need that Deed of Trust for the XXXX XXXX home, which has been attached to the XXXX XXXX home in error, to be released to me from the XXXX XXXX property so that I can complete the sale of the XXXX XXXX house. 

My Title Company and I have been calling Loancare for more than one month, many times each week and they simply tell me that it is being researched. On several occasions, I've been told the matter would be resolved within a few days and I've been told that I'd get a call back. But nothing has been resolved and I've never gotten a call back. 

I need to have the deed of trust on the XXXX XXXX house released immediately. 

I am hopeful that you can assist me in getting this resolved. Loancare has exhibited the WORST customer service that I have ever experienced and I would never use them again for any business transaction. 

Thank you for your help. 

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 explanation
Consumer complaint received 2019-06-29
Company: Netspend Corporation
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Changes in terms from what was offered or advertised

Complaint:
Ever since Netspend changed their overdraft protection with the introduction of the All Access card, they are doubling the amount they receive from my direct deposit to their ends at my expense. They are pocketing {$120.00} of my {$250.00} payroll deposit and then profiting an additional {$120.00} in overdraft protection as opposed to me being in receipt of my {$250.00} direct deposit and being afforded overdraft protection of {$100.00} for which I qualify by being a customer who receives at least {$400.00} per month on their card through direct deposit. 

The way this is being done is simply this : I allot {$250.00} to the All Access Card of Netspend each payday. Each payday I only have access to {$120.00} of my {$250.00} direct deposit. When I spoke with representatives and then with their managers on many occasions about this, I am told that someone will call me to correct this. The person that called me told me that this is correct due to the overdraft protection extended of {$100.00} in my case. Realizing that each withdrawal of cash or purchase I make incurs fees upward of {$25.00} each, upon receiving {$120.00} direct deposit per {$250.00} I allot to Netspend for my expenditure each payday via direct deposit each payday of {$250.00}, I resort to withdrawing the full amount ATMs which issue in {$20.00} increments would allow, {$240.00} of my {$250.00} direct deposit immediately upon deposit notification. But I incur {$120.00} in overdraft protection fees in doing so. When my next direct deposit of {$250.00} notification is texted on my phone it reads that {$120.00} is available from recent deposit of {$250.00}. This happens each time I allot {$250.00} to my Netspend account per payday, which equates to a total of {$500.00} in monthly direct deposits I entrust to Netspend for my use at my discretion.

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 2016-10-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: Experian Information Solutions Inc.
State: FL
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act Section 605B, which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The account listed below is still reporting on my Credit Reports and need to deletXXXX immediately : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-06
Company: Experian Information Solutions Inc.
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please CORRECT the accounts in my Credit Report : XXXX XXXX XXXX XXXXXXXX

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 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Was given a loan Deferment by XXXXXXXX XXXX XXXXXXXX on XX/XX/23. 
They told me that this would not affect my credit and since they were only moving payments to the end of the loan and not writing anything off, that those payments that were moved to the end of the loan would show current. 
They have reported those payments that they Deferred as late and have not responded to my request for them to be removed as late as per the CARES Act and as they indicated that they would.

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 2023-03-16
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: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX US DEPT ED XXXX Balance Owed : {$480.00} US DEPT ED XXXX Balance Owed : {$1000.00} XXXX 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 2022-11-26
Company: Experian Information Solutions Inc.
State: NJ
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: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

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 2023-08-03
Company: EQUIFAX, INC.
State: IL
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:
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.

has violated my rights. Or 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 response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: WELLS FARGO & COMPANY
State: FL
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:
I have filed a complaint a few times through the three major credit bureau and the creditor does not show proof of the account not being paid in full. It also shows that they closed the account and had to write off {$40.00}. However, I closed the account while it was in good standing. This card was a secured account secured against my money.

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 2023-02-06
Company: EQUIFAX, INC.
State: NM
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 one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
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 XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and 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