BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-14
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I noticed monthly fees were charged on my account since XX/XX/2019. I went to PNC branch located in XXXX XXXX XXXX XXXX spoke to the banking associate. I was told the monthly fee was charged because my account was not link properly. My current monthly total balance is over the requirement. She mentioned she will consult with the branch manager and have the manger give me a call back on the same day. I did not receive the call and contact the branch manager the next day. The branch manager was not aware of the call back request. After explaining the situation the branch manager escalated the issue to the retail management team. 

I just received the call from XXXX XXXX from the retail management team today. She explained to me that since my checking account was in the inactive status so it does not count toward the total balance. I further question if PNC ever notified me about the inactive status. She looked into the notification further and told me there was no notice ever send out to me. I do not agree that my account should be remove from the package if it is in the inactive status and this information was never disclosed. She agreed to refund 6 of the total 16 charges. The most recent charge was on the day i visit the branch trying to have the issue resolved. There system limitation cased my account to have another additional monthly charge when I am trying to resolve the issue. This clearly is an issue and I am sure there are more PNC consumers might be affective about this unfair practice. 

They are required to send me inactive notice per state requirement and can't cease accrual of any benefits which is not counting the balance toward the total requirement to avoid monthly fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-01
Company: Experian Information Solutions Inc.
State: CA
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:
It is with regret that I submit this. Experian has always been very nice, accommodating, amazing, professional, courteous, and sweet every time I called them throughout the years. For this particular issue, I only sent a letter to Experian via mail and did not contact them via phone. 

On XX/XX/XXXX, I sent a letter to Experian via United States Postal Services Certified Mail. My letter disputed the following seven ( 7 ) hard inquiries from my credit report. 
XXXX. Creditor : XXXX XXXX I Inquired on XX/XX/XXXX XXXX. Creditor : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. Creditor XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX. Creditor : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. Creditor : XXXX XXXX Inquired on XX/XX/XXXX XXXX. Creditor : XXXX XXXXXXXX XXXX Inquired on XXXX XXXX XXXX. Creditor XXXX XXXX XXXX Inquired on XX/XX/XXXX Please see attached files titled " Experian '' and " XXXX Experian.pdf ''. I have also attached images of the USPS Certified Mail receipt. 

On XX/XX/XXXX I received an email indicating my dispute results are ready. ( Please see attached file titled XXXX Email - Your Experian Dispute Results are Ready.pdf ) I clicked on the link provided in the email. I noticed the seven ( 7 ) hard inquiries I disputed were still there and not removed. 

On XX/XX/XXXX, I received a letter from XXXX denying me a credit limit increase. A reason for the denial is that the credit reporting agency reported too many inquiries. ( Please see attached letter titled " XX/XX/XXXX - XXXX denied my request for credit increase.pdf '' ). 

Please help me. I have an excellent credit history. I have an exceptional payment history with zero delinquencies among the 10 open accounts. The only " poor '' part of my credit report is the amount of hard inquiries. Please investigate the seven ( 7 ) credit inquiries I indicated. Please remove the seven ( 7 ) credit inquiries. If the inquiries have been verified and can not be removed, please provide a thorough and detailed description of how the re-investigation was conducted. 

Thank you for your time and attention to this matter. Please re-investigate and remove the seven ( 7 ) credit inquiries I indicated. Thank you very much.

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 2023-06-05
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-02-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX 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 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 2021-02-14
Company: Bread Financial Holdings, Inc.
State: DE
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 recently checked my XXXX credit report and was SHOCKED to see a claim by Comenity CB/XXXX  that I did not meet my obligations. I have paided my XXXX credit card to XXXX  balance. In fact, yesterday, I received a NEW XXXX card in the mail. So, first I want to know why this information is on my XXXX  account ( I want it taken off ) and second, if my payments made to XXXX were SO bad, then why did XXXX send me a NEW credit card. This just does not make logical sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid off my car loan in less than 2 yrs. ( XXXX, 2022 ). The dealership had added on some type of additional insurance to my car loan & I was told I would get a refund once the loan was paid. Wells Fargo immediately removed the car loan from the internet so I could not check anything that was going on. The bank representatives said they also had no access to the information. I received a letter telling me to pursue the refund with the dealership. The finance person at the dealership told me that they had already refunded all money to Wells Fargo Bank, but the bank would take 6 months to refund the money to me. I did in fact receive the refund in XXXX, 2022. 
1st, I do not believe this " insurance '' should just be added automatically to loans. 
2nd, Wells Fargo sent out fraudulent information ( and wasted my time! ) sending me to the dealership for my refund when they in fact had already received my money from the dealership and were holding it for what turned out to be a full six ( 6 ) months. 
3rd, I was never compensated or paid any interest during the six ( 6 ) months they held my $ 600.+. When a consumer is even just 1 day late, they are hit with late fees as well as interest & penalties.

Interest on $ 600.+ over six ( 6 ) months is a substantial amount of money that I feel should be paid to the consumer!

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 2022-01-08
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:
My name is XXXX XXXX and I am filing this report on my behalf. I have attached my ID Documents and I am putting my SSN Information. This complaint is for false reporting of misleading information. This is me do not say you don't recognize me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: Receivable Solutions, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I initially filed case # XXXX - which was sent by your company cfpb to XXXX XXXX XXXX and still awaiting a response. 
To me as the customer the attempts to imtimitate me continues. 
I am in receipts of attempts to collect monies for services amounts that have been resolved by XXXX XXXX XXXX The current company is XXXX XXXX XXXX , XXXX - XXXX XXXX XXXX, XXXX, NY XXXX as that Legal To date with each and every phone call I am unable to get any amounts that are actually owed for services rendered to me at various departments at XXXX XXXX XXXX. or even documentation that the matters have been resolved I made several attemps to speak to someone in charge and was left with promises, hang ups orThey I will return my phone calls at their convenience. 
This is been absorbing my average Day to Day activities in a very negative way- I am now in full bloom panic attacks and it is scary as an older adult. 
Additionally unfoturnately no-one wants to give me a total amount or even attempt to help me negotiate a monthly amount - that works with a very limited budget I am still getting threathing message on my mobile pone - not good and so scary for a senior ctizen

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
In XXXX of 2020 I completed a balance transfer to my Bank of America credit card. I selected this card out of 6 options due to the terms and the fact that my personal checking account is with Bank of America. On my recent statement, I noticed that the balance transfer is being charged interest. My understanding going into the transfer was that my rate would be 0 % for 12 months before going to 12.99 %. I was told by Bank of America that the promotion did not exist at the time I selected it. They asked for proof, and nothing that Bank of America sent me via email had any details on the agreed upon terms, so its my word against theirs. Its unfathomable to me that this is the situation Im in. Should they not have some burden of proof to evidence that I agreed to this rate? If they had included it in the email confirmation Id understand and move on, but theyve provided zero proof and told me too bad.

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 2021-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Transunion is still reporting this account inaccurately and fraudulently, I've tried to dispute this many times to no avail. They will update the account and then a few months later report the account past due months after it was closed. 

Credit Card, Late Payment XXXX XXXX  XXXX, this account was closed and paid in full & never late. Ive attached copies of my bank statements to prove that a payment in XXXX and XXXX was made to this company. Ive also attached many examples of other times they have fraudulently and inaccurately reported this account past due and late months after it was closed with a XXXX  balance. Ive attached the debt validation letter I sent them two months ago. Ive included two letters they sent me back regarding it stating that they would remove this account from all three credit reporting companies. Ive enclosed a copy of my last dispute. Im requesting again that this account be removed from my credit file as this company is notorious for reporting this account fraudulently and inaccurately. I've included bank statements for both XXXX and XXXX of 2020 to prove payments were sent to them. This company is reporting on my XXXX file that the account was Charged off. Transunion is reporting it 30 days late

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 2019-05-01
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have been reaching out to my mortgage servicer BMO Harris Bank since XX/XX/XXXX asking what they have for for my XXXX and I am being ignored. 

I have called them 3 times and was told by customer service I would be called back and I've heard nothing. I emailed them ( XXXX ) on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( see attached ), asking for this information and I've heard nothing back. My escrow payment increased again in XXXX and I called with questions and received a call back on both occasions, but no one has called or has been able to answer any questions in regards to this inquiry. I am being completely ignored. 

Last year when I reached out to them they wanted me to pay for a full appraisal but I'm just inquiring as to what they have in their records. I should not have to pay out of my own pocket for information they are required to track, unless I disagree with their assessment. 

My understanding is they are required to drop my PMI once I am at 80 % LTV. I bought my home in XXXX for {$200000.00}, refinanced in XXXX and have never had a late payment. My current loan amount is {$140000.00}. I believe I am well below 80 % LTV but without knowing what they have my LTV at, I can't confirm. 

I do not believe they are tracking this information for me or for any of their customers and I believe the bank is taking advantage of someone who is in good standing to offset the customers that are not.

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 2023-11-22
Company: Experian Information Solutions Inc.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2019-05-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Yes my name is XXXX XXXX and wells Fargo claimed I open an account that I never opened I would like it taken of my XXXX XXXX report and compensated

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 2019-09-19
Company: EQUIFAX, 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:
THE ACCOUNTS BEING DISPUTED HAS BEEN HINDERING MY CREDIT FOR QUITE SOMETIME NOW. THOSE ACCOUNTS ARE REPORTING AS DEROGATORY ACCOUNTS WHEN THEY SHOULD BE OFF MY CREDIT. PLEASE SEE THE ATTACHED RECEIPT FOR ONE OF THE ACCOUNT THAT WAS PAID IN FULL BUT IS STILL REPORTING NEGATIVELY ON MY CREDIT. I WOULD LIKE THOSE ACCOUNTS TO BE REMOVED OFF MY CREDIT FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06
Company: Experian Information Solutions Inc.
State: CA
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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 6. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 10. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 11. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 12. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 13. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 
14. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 15. there is some inaccurate information reporting. Account Number : XXXX Please remove it from my credit report. 16. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 17. The following personal information is incorrect Account Number : EMPLOYER XXXX XXXX XXXX XXXX  18. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX  19. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CA 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 2021-02-13
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: Account information incorrect

Complaint:
Im writing because I recently filed a CFPB complaints about my late payments on my student loans and both Transunion and XXXX came back and said the information was verified but XXXX  deleted all my student because the information was not verified if this is the same account why are the bureau reporting different things I was asking that the late payments be deleted but now Im asking that the whole account be deleted for reporting inaccurate information

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