BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-05
Company: PNC Bank N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
The ATM user ( me ) requests a needed withdrawal of {$200.00} and agrees to the terminal fee of {$3.00} for the withdrawal. The ATM machine dispenses AGAINST MY WILL only a portion, for this instance only {$20.00} as " was able '' by the ATM. I was NOT GIVEN A CHOICE TO OPT OUT - the ATM spit out the {$20.00} bill and closed the transaction. {$23.00} for a {$20.00} withdrawal. I fell victim to a charge of 16.25 % charge for this withdrawal. 

Should'nt I have been alerted by this ATM that the {$200.00} was unavailable and given an opt-out alternative prior to the dispense of funds? 

This happens all of the time to millions of ATM customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Received a call at XXXX XXXX, to my knowledge debt collectors are not allow to call in Texas on Sunday before XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-15
Company: BRite Financial Services, Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Good Day My name is XXXX XXXX XXXX. i live at XXXXXX/XX/XXXXXXXX XXXX, Michigan XXXX. 
ss number is XXXX. I purchase a car in XXXX .a XXXX XXXX XXXX Can was ok. Hard times hit me and a was able to turn in the car with no fees. Also I was told it would be a voltary turn in do to hard time. here are some of the problems. 
I have sent several letters to the 3 credit bureaus. 
Please contact XX/XX/XXXX XXXX XXXX andXX/XX/XXXX 

- The amount of the loan is wrong. 
- The time I had the car is wrong. 
-They won't tell me how much the car was sold for. 
- They telling me I still owe a balance of XXXX - I need proof of what the car was sold for and why I owe this amount. If they can't, please have removed. 
This is messing up my life. 
Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been a customer of Wells Fargo 14+ years and I notice that I was being charged an extra atm fee when I'm not using an atm that's affiliated with Wells Fargo , I addressed them with this issue and was told that they will refund me the full amount which happened to be in the XXXX dollars or so, this was around XXXX or XXXX, and ive been a customer well over ten years at that time. My app won't allow me to see that far back. I was only aware of this due to an app called XXXX and that helped me address the bank about this issue.

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 2018-05-04
Company: Sequium Asset Solutions, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a company Sequium Asset Solutions who have contacted me via mail on multiple occasions initially when I received the letter I tried reaching out to them this was XX/XX/2017. They have yet to answer the phone I have called them, sent letters and have disputed the account with all three credit bureaus. It was removed from one and not the other two I have even reached out to the original creditor in regards to the account. They could not give me any information because none of the info I gave them matched this account. This is NOT my account I had no knowledge of it prior to XX/XX/2017 and had not given anyone permission to use my info for this company I would like them to be removed off of my credit files ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: Block, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I opened an account with XXXX to take payments for vending art and merchandise at local events. It started out great, and i made many sales! But then i went to verify my bank account, and they deactivated my account. I tried their text chat, and they refused to help me stating it could only be done over phone. I called, and they refused to talk to me or tell me what was wrong and they stated I could only contest the deactivation through the email they had sent me. i emailed, and it stated I had waited too long to respond so my reply was denied. I was notified I'd have my money in XXXX months, but I don't understand why they took my money for XXXX whole months, refused to tell me anything, and my account is gone. 

I'm not a scammer or anything, I don't understand this. I just wanted customer service, to fix whatever the issue was, and to get my money and use them for future events. 

I have since made a fully functional account with XXXX XXXX. But I still do not have my money from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2022-04-22
Company: Rocket Mortgage, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX I had been going through major financial hardships ; I had some medical issues and also divorced my abusive spouse, I had to leave my high paying career at the time for something that would allow me to care for my children and myself and therefore my income was reduced to almost nothing. I exhausted my savings trying to keep everything going and reached out to Rocket Mortgage to see if I could possibly obtain a loan modification to lower my payment at the time. Rocket informed me that I could not have a loan modification without first utilizing a forbearance. I was concerned about the forbearance and asked the representative several times about the terms, would I be able to get a modification once the forbearance was complete, and would I be forced to make a lump sum payment at the end- they were adamant that I would not have a lump sum due and that the balance of the forbearance would be spread out via a repayment plan. I agreed and made all 3 payments of {$50.00} during the forbearance period on-time,XX/XX/XXXX Once I was due to resume making my regular monthly payments, in XX/XX/XXXX, Rocket Mortgage refused to accept my payment and demanded that I pay the balance in full ... exactly what I had been worried about to begin with. I was struggling to keep food on the table and pay other bills and used the forbearance period to make ends meet, it was unreasonable to expect that I would have 4 months worth of mortgage payments- {$5000.00} ( forbearance balance of 3 months plus the current month ) available, considering I had accepted the program due to a major financial hardship!!! I would never have utilized the forbearance program had I not been lied to about this. I spoke to multiple representatives at Rocket Mortgage to get a resolution and none of them cared. They refused to accept my payments and sent me foreclosure paperwork, stating that I had been behind for over 120 days! I was appalled. Thankfully tax season was approaching and I was able to use my entire tax return to pay the amount owed, complete with an exorbitant amount of foreclosure fees, at the last second before they were set to take me to court on XX/XX/XXXX. I should NEVER have had this experience and they managed to extort an additional {$1300.00} from me in fees. Their calls are recorded, the representative lied to me, and this practice should be totally illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: CAINE & WEINER COMPANY, INC.
State: IA
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 company is reporting constant late payments on my account, however the account is not mine whatsoever, I called and spoke to them and told them they were reporting incorrectly, they then told me they were going to continue to report anyways. I asked for the original documentation and contract that was supposedly mine and they emailed me a blank pdf file with some non-sense written on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Hello I have multiple reports on my credit that were not verified or not mine. I have disputed it with all three credit bureaus and they removed it from some beuras but not all there is a collection account for collection services that was not me for {$190.00}. Also there is a credit card that was opened while I was in Virginia and was not me with XXXX XXXX. These need removed. I disputed them and then transunion and XXXX said it was verified correctly but when I asked for verification method and sent to me that I have a right too by federal law in 30 days they sent nothing. They were not me and they wont remove it if this doesnt work I will be sueing them. And no I do not need you to mark fraud I will freeze my credit myself

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 2023-07-12
Company: Southern Oregon Credit Service, Inc.
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Southern Oregon Credit Service INC dba Fidelity Collection Service served me a letter on XX/XX/23 with legal action in small claims court to pay two medical bills ( and the company 's fees ) totaling XXXX . After reviewing the notice and speaking with my girlfriend, I found out that this company had mailed a copy of my medical debt, addressed to my girlfriend, at our shared address. She was confused over this because she hadn't accessed any medical care at the places listed in the bill and called the company to clarify. When on the phone with employee- XXXX XXXX , he disclosed the bill was for me not for her, and that it wouldn't hurt her credit. He then tried to clarify if we were married, to which she told him we weren't married ( and still aren't ) and demanded to speak to his manager for disclosing this information to her without us being legal spouses OR my consent. He denied her request and quickly hung up on her. 
She was extremely upset and felt preyed upon and that the letter was worded to be misleading her on purpose. 
There is no way they can legally disclose my debt information in paper AND verbally to someone I'm not married to and haven't given consent to them contacting. I want this company held accountable for breaching the Fair Debt Collection Practices Act Section 804.2 Acquistion of location information stating, " Any debt collector communication with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- not state that such consumer owes any debt ;. '' and Section 805.b Communication with third parties, " ... a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer... ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
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:
n accordance with the Fair Credit Reporting act XXXX  Account # 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, 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 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
n accordance with the Fair Credit Reporting act XXXX Account # 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, 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 2019-03-07
Company: CITIBANK, N.A.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX refused to send a bank statement in XXXX, we sent a {$30.00} payment. When I called to make a payment on XX/XX/XXXX they refused to accept payment on my sons account, and they said that they had to talk to him. They have talked to XXXX on numerous occasions. They would not accept. Therefore, XXXX faxed information authorizing me to get information on his account, he also gave me money to pay on his account, because he doesnt get the print statement out of the mail, I get them. They have not been able to tell us why they tampered with the 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 explanation
Consumer complaint received 2023-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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:
Hi, I recently found out that there was a credit card opened on my Capital Onen account without my knowledge a few years ago and I have contacted the company twice about it and both times they have said I'm the one who opened it, when I wasn't. 
The total is close to {$600.00}! and I honestly don't know what happened. I could really use your help because this has been reported to my credit companies and is impacting my score greatly. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
State: NY
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:
I have sent multiple complaints thru CFPB and FTC but I don't see why this 9 inquiries I didn't authorized are still on my credit report when I have done my part. I've check this and reach out to the creditors that I am not aware and have no knowledge with this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: EQUIFAX, INC.
State: NY
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:
As I investigated my credit report, I found out that the informations are erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX  XXXX Balance Owed : {$33000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$33000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$33000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22
Company: Experian Information Solutions 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:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 


XXXX Account : XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account : XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-05-10
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
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:
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.

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 non-monetary relief
Consumer complaint received 2019-03-07
Company: EQUIFAX, INC.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX XXXX ATTN CF XXXX XXXX HERE I BELIEVE .IT APPEARS SOME DISCRIMINATIRY ACTIONS GOING WITHIN CREDIT REPORTING. 

SEE ATTACHED FILES FROM XXXX AN EQUIFAX 50 POINT DIFFERENCE UNEXCEPATABLE XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Sent a response to Transunion regarding my consumer credit file, I noticed there was no prior full investigation, I requested Transunion to update consumer file and remove all delinquencies and update consumer file as I saw on my consumer file. 

Transunion has inserted a derogatory remark which violates 15 U.S. Code 1692e - False or misleading representations ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

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 2023-05-24
Company: EQUIFAX, INC.
State: NC
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 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 2018-05-15
Company: Experian Information Solutions Inc.
State: SC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian is continuing to report a negative collection account after a company has already agreed to delete the item. XXXX XXXX sent me a confirmation letter on XX/XX/XXXX confirming they have already sent the request to the credit bureaus to delete the account. As of today, XX/XX/XXXX, Experian is still reporting the item. I would like for them to comply with the company and remove the 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 non-monetary relief