BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-18
Company: Experian Information Solutions 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 XXXX XXXX Account number XXXX had violated my rights. 

15 USC1681 Section 602 states I have the right to privacy.

15USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-05-22
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:
My name is 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 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 2021-10-14
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
BBVA USA was purchased by PNC Bank. Over the weekend starting Friday XXXX of XXXX they were supposed to migrate accounts, making them available again via the online banking platform by Tuesday XXXX XXXX. This process was a complete disaster. As of today XX/XX/14 at XXXX PM my accounts are not linked in online banking making it near impossible to transfer funds quickly between my business accounts. Their advice has been to go into the branch to make the transfer. Their branches are swamped and just like any other business owner I don't have time to go to a branch for this. At this point payroll will be impacted due to the banks indifference. 

PNC were aware of this problem ( with accounts for clients with multiple EINs ) before the go live, but proceeded anyway, assuming that it was OK to prevent customers from accessing their funds in a timely manner. During the period since the transfer it has been near impossible to communicate with anyone at the bank. While my banker has tried to be supportive their phone lines leave you on hold for over an hour before abruptly hanging up. Their team has made claims on XXXX that they are contacting people by private message, they are not. PNC 's transition of these accounts has been a disaster, senior management decided to proceed with the transition despite knowing of issues their customers would experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/19 I visited a massage center called XXXX XXXX XXXX XXXX GA to get health treatment service according to vendor terms and condition. Initial charge was set to {$60.00} for 1hour body massage which I initially agreed with merchant. 
During the service I was presented a bill to sign in a dark room where it was impossible to see. I sign the receipt since we already agreed upon before the service. 
I then was told that the service was over in less than 20 minute and that I should pay extra if I need more massage. 

I lady providing massage had hard time speaking English as I could not really understand much of her statement and she had to perform trip back and forth to management and returned with another bill that I ignored the charge and what it was. 

She then started to perform some unsolicited activities to my body which I did not signed off for. So I found it not appropriate and I decided to leave the premise right away. I ask to speak to management but no one wanted to speak to me. 

I then noticed in my credit card bill from Bank of America that I was charged {$65.00} plus another charge of {$150.00}. not understanding what those charges were I opened a dispute with my credit card company Bank of America and surprisingly Bank Of America poor handled my claim and never wanted to help investigate the charges. I called the merchant who never return my call back. 

I am not seating with claim that Bank of America is not willing to help and wants to me pay for the fee for services that I never received and I was charged more than what I agreed to. 
My last fleeter from bank of America was denying my right to dispute the charge and told me to directly contact the merchant. 
From my logs Bank Of America Never contacted the merchant not established some communication with me to properly handle this matter. it seems to me that Bank of America and the Merchant may have some activities that I ignore and may wan to blame me and force me to pay the fees. 

Regard,

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 2020-07-08
Company: TRUIST FINANCIAL CORPORATION
State: MD
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:
In nine transactions from XX/XX/XXXX to XX/XX/2019, an unknown person made what SunTrust describes as a " check card purchase '' for either {$1300.00} or {$920.00} at locations in XXXX, XXXX, or XXXX. The total value of the unauthorized check card purchases was {$11000.00}. 

SunTrust returned {$8300.00} on XX/XX/XXXX, reversed the credit on XX/XX/XXXX causing the checking account to be overdrawn, and than transferred the negative balance without authorization to a credit card that we did not know existed. 

SunTrust refused to close the checking account, leading to subsequent overdraft fees of {$150.00}. 

SunTrust did not provide requested information to law enforcement to assist with an investigation.

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 2022-08-28
Company: Early Warning Services, LLC
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I met and consulted with XXXX XXXX XXXX on getting extra small XXXXXXXX XXXX, I decided to move forward with XXXX and I put down a {$100.00} deposit. On XX/XX/2022, XXXX XXXX XXXX installed XXXX extensions and placed the hair in two strand twist, on Sunday, XX/XX/XXXX I took down the two-strand twist, and to my surprise, there were several major issues. 

# 1 These weren't the XXXX  that she had shown me prior to installation. # 2. The XXXX  sizes ranged from large and med # 3. The colors were off. # 4. Some of the XXXX  weren't locked. # 5. The hair that was used is not 100 % human hair. I sent her several messages and texts on Sunday up until Tuesday and XXXX blocked me, so I went to the shop and spoke to the manager and he was able to contact her. She then decided to answer my messages only after the manager made her contact me. Her solution was to redo my hair after I purchased more hair, but at this point with her defrauding me, I was not interested in her doing anything else. I told her I would return the hair, but I was asking for a full refund and she declined. 

She's insisting that this hair is human, but two SMEs have analyzed this hair and both agreed that it is not human hair. I have also tested both the front and back and have also concluded that this hair is not human. I paid a total of {$950.00} and I would like a full refund. This business stated on their site that they were committed to providing Human XXXX extension and installation. and she fell short.On Wednesday, XX/XX/2022 I contacted XXXX back to let them know that I had been defrauded and scammed by XXXX XXXX of XXXX XXXX. 

I paid for human XXXX  extensions and install them only to find out they were not human hair XXXX  extensions in addition to other concerns.XXXX  said that there was nothing they could do and since this was paid via a third-party platform Zelle, XXXX recommended I contact Zelle to see if I could get my money back from them. I contacted Zelle and was told that there was nothing they could do. 

Before paying her via Zelle, I tried to pay this vendor via the XXXX XXXX, but it was declined several times, I reached back out to the merchant and she told me that the only other method of payment was via Zelle using her father 's account XXXX XXXX. I thought it was weird but wanted to get her paid. I transferred {$850.00} to his account with a {$100.00} deposit. A total of {$950.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Account name XXXX XXXX account # XXXX has violated my right This been paid in full and put 2 late payments on my credit report.

15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with out 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 explanation
Consumer complaint received 2023-06-23
Company: Ocwen Financial Corporation
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I ordered an appraisal for myself in XXXX of XXXX. When the appraisal came back I realized that the value was high enough to have PMI removed. I called PHH and asked how the process worked. They sent me a letter in XX/XX/XXXX with what I needed to do. Once I received the letter I called PHH again and spoke with XXXX to see if I could use my own appraisal. I was told that I could send in my appraisal and would be able to use it. I sent my appraisal to XXXX on XX/XX/XXXX. After waiting a week I called to make sure they received it. I was then told that they dont allow you to use your own appraisal. After going back and forth with different people for weeks and weeks because you can never speak to the same person and always end up getting transferred, I was always told different answers by different people. Yes you can use your appraisal, no you cant use your appraisal. I finally gave up and stopped pursing the issue. After waiting a while I was still frustrated that nothing got resolved and I was still paying PMI know the value of my home. I called PHH again in XX/XX/XXXX and request PMI be removed. I received their letter on XXXX XXXX stating the process. I called PHH to request a list of appraisers that they use. During this phone call I spoke with a customer service lady who stated that I should have been able to use my appraisal when I sent it in XX/XX/XXXX. She transferred me to XXXX an escalations manager XXXX who also stated I should have been able to use this appraisal back in XXXX. He told me he was going to get to the bottom of why my appraisal wasnt used and get me a list of appraisers that PHH uses. He said I would hear from him in 3 business days as he put a rush on my request. This all happened on XX/XX/XXXX. After not hearing back from XXXX I called back to PHH on XX/XX/XXXX and spoke with a customer service rep who was rude and was no help! She told me she could not transfer me to XXXX and that I would need to order and appraisal through them with the form I received in the mail. I told her I wanted to speak to XXXX. She said she would put a request in for him to call me. Again, everyone has a different answer and my issue cant be resolved. I have been dealing with this since XX/XX/XXXX and in the meantime am paying {$120.00} a month in PMI that I should not be required to pay. I received an auto email on XX/XX/XXXX that I need to allow sufficient time for my questions to be answered. I think 10 months is sufficient enough. On XX/XX/XXXX I was told my appraisal was older then 90 days. Well yes, now it is, but it wasnt when I sent it in XXXX of XXXX with my original request. Why was it not reviewed and used then!? I want answers and am extremely dissatisfied in this company.

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 2022-07-07
Company: Experian Information Solutions Inc.
State: LA
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 Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX  has violated my rights XXXX 

15 U.S.C 1681 section 602 A. States I have the rights 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 2023-11-02
Company: Experian Information Solutions Inc.
State: TX
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 HAVE DISPUTED THIS INFORMATION CONTAINED IN MY CREDIT REPORTS SEVERAL TIMES AND I HAVE NOTIFIED THE CREDIT BUREAUS THAT THESE ITEMS DO NOT BELONG TO ME AND NEEDS TO BE DELETED FROM MY CREDIT FILE. I AM A VICTIM OF IDENTITY THEFT AND I HAVE SUBMITTED PROPER DOCUMENTATION IN THAT REGARD AND THEY STILL WILL NOT DELETE IT FROM MY CREDIT FILE. THEY HAVE ALOS REFUSED TO SEND MY ANY DOCUMENTATION THAT VALIDATES THIS DEBT ... REASON IS BECAUSE IT DOES NOT BELONG TO ME. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
THESE ACCOUNTS ARE NOT MINE AND DO NOT BELONG TO ME, THEREFORE THEY NEED TO BE DELETED FROM MY CONSUMER CREDIT FILE.

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 2023-02-20
Company: MIDFIRST BANK
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX I received an email from my bankruptcy attorney XXXX XXXX regarding a back payment on my mortgage XXXX XXXX XXXX XXXX in the amount of XXXX dollars line XXXX in this paperwork states the motion is denied. this Mortgage was sold to Midland Mortgage XX/XX/XXXX. Knowing I was behind I wanted a clean slate with the new lender and sent them a cashiers check from my bank in the amount of XXXX dollars XX/XX/XXXX and according to the transaction history I recently requested from Midland mortgage because it's blocked were I can't access online this was never applied to my mortgage. This caused my escrow account insufficient. on XX/XX/XXXX I received notice of postpetition fees, expenses, and changes for late fees. for XXXX dollars. Most resent I received a notice of mortgage change dated XXXX to the amount of XXXX from XXXX. As of XX/XX/XXXX all my payments that I pay thru my bank are recorded as misc receipt. Midland mortgage have not applied all the payment since they acquired my mortgage.

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 2022-07-07
Company: Bread Financial Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX Ive asked each company to stop calling this is harassment and I would I like any debt it say I owe cleared however each company shows written off on my report and they are still trying to collect extra money from me after they have already reported the amounts as a lost to the IRS this is tax fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-09
Company: Radius Global Solutions LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hey there I received notification of late payment and derogatory mark on all of my credit reports ( XXXX, XXXX, and XXXX  ). I had no prior knowledge of this as i paid my co pays at doctors office for these test, i was never made aware that i owed money or that the insurance didnt cover the lab work.

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 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Again, I have been a victim of identity theft and no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$2500.00}, XXXX XXXXXXXX Balance : {$760.00}, XXXX XXXX  Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00}, XXXX XXXX XXXXance : {$3200.00}, XXXX XX/XX/XXXX, 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 non-monetary relief
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account 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 2023-06-27
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Midland Credit Management calls me on a daily basis about XXXX times. In addition, as soon as I pick up the use my husbands name, which is XXXX.

Company response to consumer: Closed with non-monetary relief