BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-21
Company: PNC Bank N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XXXX XXXXXXXX I was advised by my mortgage company that my monthly payment would be increasing by {$650.00} per month due to escrow shortage. After researching my taxes and insurance which did increase but only increased {$1100.00} from the year of XXXX to XXXX. After contacting PNC and questioning the drastic increase, PNC stated that there has been a mistake and an inquiry would be opened. As of today 's date, I have made the additional {$650.00} monthly increase with no outcome on rectifying the mistake on PNC 's part. PNC has admitted on several occasions during recorded phone calls that a mistake has been made on their end and still no resolve has happened. An additional monthly increase this drastic has seriously impacted my home life and other utilities are having to be paid late due to the increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
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:
XXXX  XXXX XXXX # XXXX is in violation of my 30 day right to dispute. I never received a notice for this collection and only became aware of it when I had my credit pulled and saw it on the report. This should not be on my credit as a collection and I never received anything for this 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
Consumer complaint received 2023-11-29
Company: TransferWise Ltd
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello, I recently submit a complaint and receive response from company. Company has responded but they are asking for their own bank statement and they have restricted my access to my account how can I send the statement. Please solve this issue because they are taking this issue too far. If I had access I will send the bank statement they have asked for but I dont have any access to download bank statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
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:
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. 

XXXX XXXX Account # XXXX ; XXXX  Account # XXXX, XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # : 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 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 2019-04-27
Company: EQUIFAX, INC.
State: CO
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 XX/XX/19 some nefarious criminal who had somehow gotten a hold of my SSN and home address opened a credit union account in my name. 
I subsequently worked with XXXX XXXX XXXX XXXX ( XXXX ) to close the account, reported it to the local authorities and my credit monitoring agency, filed a fraud report with the Federal Trade Commission and had my credit frozen by all three credit rating agencies. 
I then filed disputes with the credit rating agencies to get the XXXX account removed from my credit file, because it was opened fraudulently and should not be on my credit record. 
However, all they did was verify that it was 'valid ', which it most certainly was not, and frankly, my SSN was probably compromised by the Equifax breach a few years ago. 
I need the record of this illegally-opened account purged from my credit record, so I am reaching out to the CFPB to do this. 
It's just criminal that a tax-paying, law-abiding American citizen gets his identity at least partially stolen and no one cares or will do anything about it, so the least that could be done is to expunge this XXXX account from my credit record. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
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: Was not notified of investigation status or results

Complaint:
No XX/XX/2022, I filed a complaint with CFPB complaint number XXXX XXXX and complaint number XXXX Experian However It's been more than 30 days and more than 5 business days since XXXX and Experian has completed their investigation and they have failed to send me a free of charge credit report by U.S. Mail showing the results of their investigation. According to the law 15 U.S. Code 1681i ( A ) In General Before the expiration of the 5-Business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ) the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. the notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

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 2021-03-08
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 is missing that should be on the report

Complaint:
This is the 8th time that Im trying to get this corrected and at this point Im beyond frustrated. Equifax has requested multiple documents to verify my identity yet i still cant get in to speak with anyone. On XX/XX/XXXX i call Equifax to see why 9 of my revolving accounts had been removed. I was advised to contact the companies all of whom were clueless. How do i send multiple documents in to get my address updated and now they cant verify me with any address Ive used in the last decade?!! I have spoken to multiple people whove explained that my credit bureau report was split and needed to be merged! They have merged some of my revolving accounts but not all of them. Im still missing at least 3. One of those cards is being reported as closed. Which it is not! Im also an authorized user on another file, which was on my file prior to the split and is now gone!!! I have contacted credit one and theyve made it very clear that this is on Equifax because they are reporting it mine they are to my other bureaus. They are reporting correctly to Equifax.! My credit score is still yet to be corrected! I have sent my driver 's license social security card and now a bill!!!!!! How do i go from high XXXX to XXXX without reason! 
They are really messing me up. IM filing this complaint with cfpb today as this is ridiculous. Before I got off the phone the last time he assured me that everything was corrected just like the first time when I called and told them that my address was incorrect. And to NOT send my credit report to my grandparents home yet thats exactly what they did and I had to go grab it from my grandparents address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
This account was established for my government unemployment deposits. I had security set to advise me, via text message, of all transactions. On XXXX I called to check my balance and heard transactions that were not mine. I thought it had to be an error, I called Reliacard and was transferred to fraud dept. I informed them that I did not authorize any ACH transfers nor have I ever done any ach transfers on my account. I have written and called Reliacard on several ocassions to no avail for over a year waiting for requested proof of documents for the change of data. I filed a police report and provided them the information, to no avail. They've responded no error found and send me transaction information instead of history and proof that I made the call or change of record! During a conversation with the fraud dept, their notes indicated the phone number change was by a male. I told them it was impossible, how could they make a change and not follow up and confirm with written notification. How could they accept change information from a male! I never received notification that such a request was made. They only replaced the bank card and account number. Never provided any proof I made the change and ach transfers.Reload money and issue a new card mail to XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XX/XX/1987 ssn 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 2018-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 account belong to someone else please removed it from my credit report. 

XXXX XXXX XXXX XXXX Account Number XXXX Account Type Collection Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$1200.00} Balance Updated - Credit Limit - Past Due Amount {$1200.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, FL XXXX Ownership Individual Original Creditor XXXX Company Sold-to - Original Amount {$1200.00} Comments - Payment History

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 2023-11-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09
Company: Fidelity National Information Services, Inc. (FNIS)
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:
XXXX closed my account because of overdrafts and I fixed the overdrafts every single time I transferred the funds as soon as it happened ( immediately ) to fix it. My account was not overdrawn 30-40 consecutive days that is Ally policy so they are breaching there policy and discriminating against me. I also advised them several times I was a victim of fraud because my XXXX card was hacked. I did a police report but I have to wait 24-48 hours for me to be able to print it out but it will be signed an investigator thats what the police officer advised. I dont feel I should be reported to Chex system or my account to be closed because despite if the charges were mines I kept fixing them the ones from XXXX  It seems to be that all of them are not mines and Im still working on getting the information from XXXX to confirm that.They got into my XXXX, Afterpay and even my XXXX XXXX Checking account as well as I believe XXXX bank account. I dont know if there will be anymore damage. This isnt my fault. XXXXXXXX XXXX is wrong for closing my account and reporting me to Chex system because I kept fixing my account and I told them about the fraud they did not care, showed no empathy or understanding and closed my account. My other accounts to transfer the money except my XXXX have been changed or I would of fixed the most recent {$18.00} charge off before it was charged off. Im only one person and Im still working on seeing how much and what the hacker has hacked. Talk to me like I was XXXX once I told them I was XXXX and discriminated against me. I apologize this was not my fault or done intentionally. I have transferred {$60.00} from my cashapp to fix the charge off/over draft. Can we please rectify this and give me a chance to look in to this like my other bank accounts have done and also made sure this doesnt happen again by changing my account numbers and my credit cards. Its estimating around {$10000.00} so far the damage they have done and Im still working on gathering more information. I dont know if its going to continue. XXXX allowed this to happened and Im doing my best to fix it. I have school, children, work and XXXX XXXX so things take time. Please be understanding. I will have the police report in the next 24-48 hours. Thank you.

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 2022-10-26
Company: Collection Bureau of America Ltd.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection bureau of a Original creditor XXXX XXXX XXXX. Added to credit reports on XX/XX/2022. Showing collection for XXXX XXXX and XX/XX/2022. Total amount of {$470.00} added to collections. I have called company XXXX XXXXs because this isn't my account. They never call back. I have tried disputing and it's still on my reports. I never had an account with company and they won't remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my loan with another company and closed on XX/XX/XXXX  My new loan has paid my property taxes.  My previous mortgage company, Amerihome mortgage has also claimed to have paid the taxes and my local tax office sent them the check back of XXXX.  Amerihome states I will get the money back once the returned check comes in.  It has been several weeks and nothing has happened.  I have called 10-15 times to Amerihome.  I am getting nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17
Company: EQUIFAX, INC.
State: VT
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:
I have tried several times to dispute inaccurate information on my Equifax CR and every time they " dispute and verify info is correct '' a new inaccurate error gets put on. 
XXXX : I This data is wrong : Account Status NOT_MORE_THAN_TWO_PAYMENTS_PAST_DUE ( I have paid this loan off in full and the acct was closed XXXX Date of 1st delinquency : states XX/XX/XXXX, XXXX can this state DOFD when this was the date the acct was pd off in full? 
Date Reported XX/XX/XXXX, XXXX>should be XXXX  reporting on this it has been closed since XX/XX/XXXX. 
Date of Last Payment XX/XX/XXXX >paid off in full ( I have not had 1 late payment since XX/XX/XXXX but my equifax CR now shows a late payment in the past 30 days. 
XXXX : Date Reported XX/XX/XXXX- why is a closed paid acct r ( pd XX/XX/XXXX ) reporting to a CB? 
Date of First Delinquency XXXX XXXX, XXXX ( DOFD is XX/XX/XXXX ) XXXX  : Date of Last Payment XX/XX/XXXX ( paid charge off ) Date Reported XX/XX/XXXX, XXXX>why is this acct being reported when it has been closed, paid in full XX/XX/XXXX? This is making my CR from Equifax, a long with the inaccurate info above, to look like I have late payments in the past 30 days when that is not accurate. My last late payment is XX/XX/XXXX, over 22 months ago ) I have disputed these inaccuracies several times and each time the info coming back says it has been verified as accurate. These credit bureaus have a responsibility to report accurate and true information. The inaccurate info above that is now being reported from Equifax is wrong and reporting that I have made a late payment in the past 30 days and this is devastating to me as I have tried so hard through the pandemic to work on my credit and make better credit choices. So how is this right that they can report wrong and damning information?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX XXXX submitting this CFPB Complaint to once again, inform the Credit Reporting Agencies that I was a victim of identity theft and this is another request to remove the fraudulent information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit reporting Agencies are required to remove any information not later than 4 business days after XX/XX/2022. Also, the information that some Credit Bureau provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. Once again, please have the following items removed as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX po XXXX XXXX O XXXX, MO XXXX XXXX XXXX XXXX XXXX Balance : {$7100.00} XXXX XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX XXXX Balance : {$5600.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$7200.00} XXXX XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$8100.00} XXXX XXXX XXXX XXXX Balance : {$8300.00} XXXX XXXX XXXX XXXX Balance : {$6700.00} XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX Balance : {$3900.00} ( Original Creditor : ) XXXX Balance : {$390.00} ( Original Creditor : ) XXXX Balance : {$280.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX AUTO XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX, XXXX XXXX XX/XX/2022 XXXX ACCEPT XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022. This CFPB complaint is to notify the Credit Bureaus that if they do not REMOVE the listed items on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold the Credit Bureaus accountable for your willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: CITIBANK, N.A.
State: NJ
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 ACT THIS CREDITOR HAS VIOLATED MY RIGHTS UNDER 15USC1681 SEC 602 STATES I HAVE THE RIGHT TO PRIVACY 15USC1681 SECTION 604A SECTION 2 UNDER CONSUMER REPORT AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTION UNDER 15USC1666B A CREDITOR MAY NOT TREAT A PAYMENT CREDIT CARD ACCOUNT UNDER A OPEN AND CONSUMER PLAN LATE FOR ANY PURPOSE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: JPMORGAN CHASE & CO.
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:
batting ID theft for more than 7 years no will give me credit or help filed with ftc, police and cfpb and hippa

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX 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