BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-22
Company: PNC Bank N.A.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was notified by XXXX that they could not debit my account on Friday, XX/XX/2022. I knew I had enough funds in my account to cover the payment. I called PNC and spoke with a lady named XXXX. She said my account was under investigation because of a wire transfer which posted to my account in XX/XX/2022. I told XXXX that I was working with the FBI on the transaction. I also told her I had paperwork to support the transaction. The sender got upset with me when there was a delay in the purchase of XXXX for the sender. I went on to explain to XXXX that I had to notify the FBI when I received a call from a gentleman named XXXX XXXX in FL who stated the funds were supposed to be sent to him and take a 10 % commission. I told him that I had an agreement with the FBI and that I had to notify the FBI XXXX XXXX XXXX because he was asking me to commit money laundering. I notified the FBI and made them aware of the issue. I tried to explain this to XXXX. She began to assert that I was lying. I gave her the XXXX XXXXXXXX XXXX name and email address. I did use inappropriate language in my call with her and demanded that my accounts be closed out.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: WELLS FARGO & COMPANY
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I am writing you because I strongly believe that I am a victim of predatory lending because of the high interest rates I am paying for my loan. 2 ) I have tried two years in a row to refinance this loan. All attempts were fruitless. I have faithfully paid my loan on time. 3 ) Each time my refinance application was denied. 4 ) This complaint is about Wells Fargo. 5 ) People involved names are unknown to me.

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 2019-08-23
Company: Experian Information Solutions Inc.
State: MD
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:
On XXXX XXXX XXXX XXXX filed law suit against me XXXX XXXX XXXX XXXX over a Furniture Purchase from XXXX XXXX XXXX, XXXX XXXX   claimed I owed {$4900.00} on a {$6400.00}. Through research I was able to find out that the value of the furniture was only {$2000.00} Which was nearly paid off. I agreed to pay up to {$2000.00} At the time of purchasing the Furniture I was under seven different medications from three Doctors and XXXX, I told XXXX XXXX and XXXX XXXX I wanted to have some review the contrats but they said they could not hold my furnitiure.When I found out the value of the Furniture, I requested the cost be reduced based on over charge. 
On XX/XX/XXXX XXXX XXXX filed suit and I was prepared to prove to the courts overcharging. The XXXX County District Judge dismissed the case which XXXX XXXX did not prove I owe the funds requested in the suit. The Case Number is XXXX. The XXXX County MD Judge ID : 0AA, Case Dismissal Date listed as XX/XX/XXXX. ( See XXXX County Md Court Clerk Copy of Court Order ), I have challenge XXXXXXXX XXXX refusal to remove this item from my file .Experian Report # XXXX Dated 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 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 corrected : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2020-06-16
Company: Southwest Credit Systems, L.P.
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 item was previously removed from my credit due to identity theft and has been re-inserted as a new account as of XX/XX/2020 in the amount of {$68.00}, in which is illegal. Please remove this debt off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My American Express XXXX were abruptly suspended after XXXX years and I was told that I have to submit filed tax returns in order to restore my privileges and I never received anything in writing. I spoke to XXXX XXXX who was assigned to my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-02
Company: Experian Information Solutions 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 status incorrect

Complaint:
The credit bureaus are reporting a debt on my credit file that needs to be removed. This debt has been past the credit reporting limit since XXXX and XXXX XXXX XXXX continues to validate this debt. This is a violation under the FCRA and this needs to be taken care of.

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 2023-08-24
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$39000.00} XXXX XXXXXXXX Balance Owed : XXXX XXXX XXXX Balance Owed : {$3600.00} XXXX XXXX Balance Owed : {$160.00} XXXX XXXX Balance Owed : {$3600.00} XXXX XXXX Balance Owed : {$3800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-22
Company: DISCOVER BANK
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Multiple credit cards lost and used. Discover unable to find sufficient evidence and/or request specific evidence from merchants. Multiple calls to both discover and merchants made to attempt to resolve all fraudulent charges made in the XXXX Florida area. 
No identification presented to any merchants including hotel and water sports rental was requested from discover. No surveillance at any location. Name at check in was not mine. Email address and phone number used to make purchases also not mine. 
XXXX XXXX XXXX XXXX  FLMerchandise {$2400.00} SECURITY DISPUTE ADJUSTMENT XXXX XXXX XXXX  TXMerchandise {$90.00} SECURITY DISPUTE ADJUSTMENT XXXX XXXX XXXX TXMerchandise {$90.00} SECURITY DISPUTE ADJUSTMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL Merchandise {$170.00} SECURITY DISPUTE ADJUSTMENT XXXX XXXX XXXX XXXX NJMerchandise {$13.00} SECURITY DISPUTE ADJUSTMENT XXXX XXXX XXXX XXXX XXXXFLMerchandise {$5.00} SECURITY DISPUTE ADJUSTMENT 0XXXX XXXX XXXX XXXX XXXX FLMerchandise {$160.00} SECURITY DISPUTE ADJUSTMENT XXXX XXXX XXXX XXXX XXXX FLMerchandise {$130.00} SECURITY DISPUTE ADJUSTMENT XXXX XXXX XXXX XXXX  FLMerchandise {$33.00} SECURITY DISPUTE ADJUSTMENT XXXX XXXX XXXX XXXX FLMerchandise {$510.00} SECURITY DISPUTE ADJUSTMENT XXXX XXXX XXXX XXXX XXXX XXXX  FLMerchandise {$11.00} SECURITY DISPUTE ADJUSTMENT XXXX XXXX  NYMerchandise {$300.00} SECURITY DISPUTE ADJUSTMENT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: Seterus, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Seterus , Inc . 
XXXX XXXX XXXX XXXX, CT XXXX Seterus, Inc is my " mortgage servicer '' ( although they are primarily a debt collection agency and a foreclosure company. Seterus took over my mortgage from XXXX. They have been reporting my wife and I as late payers every month for years. 

We live in a co-op apartment so we own shares in the co-op corp which entitles us to live in our apt . The co-op corp owns the property and carries full insurances. 

Reason for the late reports is Seterus claims that we have no insurance on the property and they have increased our payment amount to cover insurance. We don't pay the increased amount. We have provided proof of insurance over and over which Seterus ignores.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-22
Company: JPMORGAN CHASE & CO.
State: NY
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:
My name is XXXX XXXX and XXXX XXXX XXXX  are thieves. My card was charged XXXX XX/XX/2022 and this reversal of claims have been going back and forth for XXXX  months. They have provided XXXX proof as to why my card has been charged since XXXX. 

There were XXXX claim numbers provided to me. 
All denied because the 3rd party refuses to respond Ive had multiple investigations done with chase bank. All incomplete due to merchant. 
Ive spoken to merchant. Merchant claims to not understand XXXX. 
And the blame is being placed on my account which is unfair. 
Ive called bi-weekly to my banking institution to rectify. Making myself 100 % available. And still NOTHING is being done. 

Its old. Its tired. And I want my money. 
I did not receive services. 
I did not receive any goods. 
Ive gotten ABSOLUTELY NOTHING from these ppl. Yet I'm the one taking the hit. 
ABSOLUTELY UNFAIR ON THEIR PART.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
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 applied for a credit limit increase for one of my credit cards today XX/XX/2020 and sadly I was denied because when they pulled my credit report there were several accounts reflecting badly. The accounts I have listed on this report do not belong to me. I did not open any account with any of these companies nor did I allow anyone to open them on my behalf. I do not have written/verbal contract with them and I did not benefit anything from those accounts such as money, goods, services or anything else and I did not contribute to any payments that might have been made towards those debts. I have took it upon myself to file a police report as well as a complaint with the Consumer Financial Protection Bureau in hopes of getting my name cleared from these unauthorized accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: EQUIFAX, INC.
State: AL
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:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Since XX/XX/2022, I have received at least 48 phone calls from Rocket Mortgage ( XXXX # XXXX ). I regularly receive four phone calls per day. I believe this violates the below telemarketing regulation. 

Title 16, Chapter I, Subchapter C, Part 310, 310.4 Section B, Pattern of Calls, subsection ( 1 ) ( i ) : Causing any telephone to ring, or engaging any person in telephone conversation, repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number ; Additionally, Rocket Mortgage 's behavior is highly concerning. I picked up one call, and the agent stated " Hello, our records indicate you are looking to refinance your mortgage ''. I haven't submitted anything anywhere that supports that statement. I explained I wasn't interested and asked them not to call me again. They continue to call, and now are also texting me. This also violates Title 16, Chapter I, Subchapter C, Part 310, 310.4 Section B, Pattern of Calls, but subpart ( 1 ) ( ii ). 

The last text asked me to get in touch with them asap to " finish '' my refinance. What refinance? What are they talking about? If I were a person with memory problems or other medical cognitive disorders, I could be confused by these abusive practices into actually entering into a mortgage contract I did not initiate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: Experian Information Solutions Inc.
State: TN
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:
EXPERIAN AND EQUIFAX ARE REFUSING TO REMOVE INFORMATION THAT IS NOT MINE THIS IS A PROBLEM AS I HAVE NEVER HAD STUDENT LOANS OR THESE OTHER ACCOUNTS LISTED CAUSE I HAD A SCHOLARSHIP IN SCHOOL THEN DRAFTED TO THE XXXX THESE ACCOUNTS NEED TO BE REMOVE ASAP

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 2023-08-19
Company: WELLS FARGO & COMPANY
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: Their investigation did not fix an error on your report

Complaint:
Wells Fargo was charging fees that i disputed and if reversed would have settle my account. Instead, they reported me to the credit bureau while accounts were in dispute and refuse to correct that information. I am asking that the adverse reporting be removed from my credit reports. They have since refunded the amounts in dispute but that alone has not been accepted by the credit bureau. When i dispute the reporting and submit the checksa nd documentation supporting the dispute I am directed back to Wells Fargo for correction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20
Company: Experian Information Solutions Inc.
State: GA
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 attached an FTC report with fraudulent accounts that are not mine and they need to be deleted

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 2020-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2020, I received a cashiers check for {$1900.00} from a customer who wanted to purchase used appliances I was selling on XXXX XXXX. I deposited the cashiers check online through my Bank of America app. The next morning, I was surprised to learn that BOA had given me access to the funds. I was then asked by the customer to transfer {$900.00} through XXXX, a money transfer tool BOA endorses on its websites and my accounts. The transfer was to the alleged delivery person who was supposed to pick up the appliances. That evening, once the transfer was placed, I receive an erratic text message from the customer telling me he changed his mind. It raises red flags because he started hurling accusations at me and threatening me. I immediately contacted BOA, the local police and the FBI to report the incident, which turned out to be a fraudulent scam. Ive tried working with BOAs Fraud and Recall Departments and have been told I am solely responsible for the scam, that its essentially my fault, because I used XXXX and authorized it. Its been a month now and even though no resolution was attempted, I receive an email on XX/XX/XXXX from BOA telling me that the account that was affected, my checking account has been closed, thereby closing the investigation. Through this one-month period, aside from being blamed for the transaction, Ive had the BOA fraud department put a hold on my savings and checking accounts on a Friday evening, right before XXXX, when the banks closed. I then received a phone message around that time informing me of this decision. I didnt have access to any money, debit cards or credit cards for three days, including that weekend. I went to the local BOA and was told there was nothing they can do, and I called the customer service line with no luck. I had no cash or credit on me whatsoever, and a XXXX year old son who was spending the weekend with me. Also, I was told they would start an investigation and then told no, they wouldnt because they cant force the receiver of the funds to reimburse me. All along, Ive had multiple BOA agents and managers tell me it was my fault that I authorized this transaction. I dont use any online money transfer tools to make payments, but since BOA endorsed XXXX on its website and its app, I believed the transaction would be carried out in good faith and due diligence. As guardians of my money, BOA has a duty to protect me, their customer for 21 years. I want this situation resolved by being reimbursed the {$900.00}.

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 2021-10-06
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello, currently all 3 credit bureaus are counting my rate shopping for a mortgage on my credit report as individual inquiries rather than lumping them as a single inquiry on my credit. This has negatively impacted me by not only dropping my credit score by 50+ points but because all the inquiries for my rate shopping are not being consolidated and counted as 1 and is hitting my report as individual inquiries. I can not get approved for any credit cards because banks think I am desperate for credit. This is very harmful to me as I have never been late on a payment and have been a good steward of my credit and was at XXXX credit prior to all these inquiries dragging my score to the ground. 

On alI the credit bureaus, I have 7 hard inquiries from XX/XX/XXXX and XXXX but these should be counted as 1 as I was rate shopping for a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: EQUIFAX, INC.
State: NY
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. 

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