BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-22
Company: EQUIFAX, INC.
State: SC
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:
cfpb not responding to my former queries ... .also all 5 of my former complaints have been erased... .deleted from this database?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: Fay Servicing, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX/XXXX/2017, I requested the name and contact information for the investor that owns my loan which is currently serviced by XXXX XXXX XXXX. To date, I have not received a response from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: PNC Bank N.A.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
Hello, I open an investment account with XXXX and when is time open the an account, XXXX apllication prompt me to log in to my bank account ( PNC ) and after logging in, PNC send me a 6 digit code for verification. upon putting the code, the application prompted me for a code again and when putting the code in, a message from PNC will appears that " PNC is blocking access to XXXX to access my checking. I called PNC and the person that answer the phone said to me that a security layer is in place across all account and this could prevent the access. He said that she will file a complain on my behalf and a few hours later, I got a call from XXXX XXXX telephone XXXX case # XXXX and XXXX implied that there is nothing wrong with my account and left me with no answer. And that's the reason why I am filling a complaint. 

Below is the replied message from PNC after account could not being link and denied On XX/XX/20, PNC Bank received a request to link one or more of your PNC Bank account ( s ) to an online or mobile financial service.

If you don't recognize this : Change both your user ID and password so they are unique to PNC by signing on to PNC Online or Mobile Banking. Call us at XXXX to report unauthorized activity. 

This alert was sent for user ID ending in XXXX. 



Thank you for banking with PNC Bank. 



This mailbox is not monitored. Please do not reply. Account-related questions can only be answered via secure forms of communication such as our Online Banking Message Center. Please sign on to send us a secure message. If you would like to speak to Customer Service, please call XXXX ; Monday through Friday XXXX XXXX. to XXXX XXXX, and Saturday and Sunday XXXX XXXX XXXX XXXX XXXX ET. 



XXXX XXXX to view our privacy XXXX XXXX XXXX XXXX. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I just got an updated copy of my credit report and there are some hard inquiries that I dont recognize. 

XXXXXXXX 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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
I have reach out to Experian many times showing my driver license and showing proof of no XXXX XXXX XXXX XXXX XXXX they refuse to delete it off of my credit report. My I my address is XXXX XXXX XXXX XXXX XXXX please have them remove fraudulent XXXX XXXX it does not belong to me. They have hurt my scores because of this. I have been trying to get it remove for 4 months. 


Thanks 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 explanation
Consumer complaint received 2022-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I just got an updated copy of my credit report and there are some hard inquiries that I dont recognize. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-07-23
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Chase Bank 2020 allowed debit card approved, only to discover the agency would place my account tin a insufficient fund status. Failing to pay the creditor. 

XXXXXXXX XXXX XXXX XXXXXXXX, time after time but no assistance available. 
XXXX Texas applied for housing was not any funds available. 
XXXX XXXX XXXX XXXX ( XXXX  ) Program nothing available. 
XXXX XXXX declining Housing due to time in service after Retiring

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Starting in XXXX when I became aware that my name was placed on my mother 's home by Wells Fargo I've tried every avenue I could think of. In XXXX, I stating with the XXXX of XXXX 's home retention program, they didn't know how to handle my case because I wasn't listed on the deed. I filed a complaint with the State Attorney General 's Office and they forwarded my complaint to this office. I then filed a complaint with the city of District Attorney 's Office of XXXX and they had me file a police report, just to find out no local courts to adjudicate Federally Chartered Banks. To stop the foreclosure process while still trying to figure out how my name got on the mortgage I filed a XXXX XXXX XXXX  because I believed by that being Federal at the creditors meeting Wells Fargo would have to explain how they were legally allowed to place my name on a property I don't own. XX/XX/XXXX, the property was sold at Sheriff 's sale for {$150000.00}.

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 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$1400.00} XXXX  XXXX XXXX {$56.00} XXXX  XXXX XXXX {$38.00} XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$980.00}

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 2022-11-30
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:
I tried calling and and reaching out to experian, XXXX, and XXXX requesting an investigation of the following inaccurate accounts reporting on my credit report XXXX days ago. The credit bureaus claimed that they have completed a reasonable investigation with the furnisher of the account and verified XXXX XXXX  that the accounts listed below are accurate. However the accounts are continuing to report errors on my credit profile, which is causing damage to my credit score. 
Account name / numbers XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : 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 2022-12-20
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I contacted Experian about reporting wrong information concerning my address approximately 45 days ago on XXXX. To date, Experian has not changed my address to the correct one, even though I informed them of fraudulent activity upon my report.

U.S.C 1681 ( a ) 4 : : here is a need to insure consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy/ ''

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 2022-11-15
Company: HUNTINGTON NATIONAL BANK, THE
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have XXXX mortgage with Huntington. My mortgage balance drops below 78 % in XXXX XXXX. According to the federal homeowners protection act ( HPA ) and Huntington documents, the lender must cancel my private mortgage insurance when the balance drops to 78 %. However, the lender never removed my PMI automatically accordingly. 
Since the end of XXXX, I have tried to contact this bank to remove my PMI many times, including phones, emails, Huntington bank XXXX account. They always denied my requests without providing explanations. 
It took me over XXXX months to communicate with them. It's very hard to get in contact with them and communicate with them effectively. Also, they never fixed on my PMI removal. 
I have received XXXX mail from them. In this letter, they said my loan to the original value of the mortgage loan is at 77.9 % and I meet all requirement to remove my PMI except evidence that the value of the property has not declined below its original value. 
According to my understanding, they thought it as " XXXX requested cancellation '' rather than " automatic termination, and so they denied my PMI removal and required me to provide appraisal report at my expense. However, according to XXXX and their documents, they should have removed my PMI as " automatic termination '', because my balance already drops below 78 %. Although I told their staffs my understanding, their staffs are not professional and always not take my words seriously. What they said to me is always " let me wait for their feedbacks '' and then my PMI removal fails after days/weeks again and again. XXXX staff named XXXX XXXX told me that my PMI would be removed in XXXX according to their time rules. In weeks, he told me he made a mistake and said to me that my PMI would be removed if my balance drops to 70 %. How 'professional ' he is.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-20
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
The dealer sold and securitized the contract/agreement i signed after which they superimposed my signature on to at least 3 different additional contracts that i did not sign and sent it to the Banks. I called the bank and asked for a copy of my loan documents and to my surprise the contracts were different from the Federal Truth in Lending disclosure, The finance charge was changed added fees and surcharges, the credit life insurance not included any many more violations. It is also my understanding that the bank is also complicit with regards to the securities fraud and contract manipulation and securitization. I sent notices of my findings to all parties involved then initiated arbitration but the XXXX would proceed with the arbitration due to the dealer not following the rules of arbitration disclosures to consumers. The letter from XXXX XXXX this " Accordingly, we must decline to administer this claim and any other claims between XXXX XXXX XXXX XXXX XXXX and its consumers at this time. '' I will attempt to settle this matter once more before filing for all appropriate federal suits and refer the matter to the Securities Exchange Commission.

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 2019-08-24
Company: Experian Information Solutions Inc.
State: PA
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/2017, I filed disputes with XXXX, XXXX   and Experian regarding an address on my credit reports belonging to someone who stole my identity, used my revolving credit account, made an illegal purchase, and had the item shipped to their address in Texas. Now that address shows up on my credit report. I disputed that address in XX/XX/2017, I was assured by all three companies that the issue was fixed but it was never fixed. I just logged on to my Experian account and checked my credit report. The Texas address is still there. All of the credit reporting agencies made me jump through hoops to get a police report, a letter from XXXX ( the revolving credit company ) and complete pages and pages of applications and online forms. I don't have time to keep doing this and nothing getting accomplished. I have been denied credit and almost arrested for fraud because when I completed an in-store electronic application, it asked me several questions. One was, " Did you ever live at any of these addresses? '' There were four addresses listed, three were just phony addresses and one was the fraudulent address in Texas. So when I answered " NO '' to all of the addresses, the customer service representative was advised my credit was declined and that I was trying to open a fraudulent account. I had to show my driver 's license, my military ID card, several credit cards and was embarrassed and outraged. These credit reporting agencies DID NOT do their jobs even though I cooperated and provided them everything they asked for. These credit reporting agencies should be ashamed of what they've done 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 non-monetary relief
Consumer complaint received 2022-03-12
Company: Credit Karma, LLC
State: KS
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:
On XX/XX/XXXX I noticed a handful of unauthorized transactions made to my account, I immediately notified my financial institution, Credit Karma money by XXXX XXXX, and inform them of the transactions and how I had never received my card in the mail and deduced my card had been lost and or stolen. After this phone call I subsequently received email confirmation of me submitting these disputes and was informed that this matter had been escalated to a specialized team. On XX/XX/XXXX I received a response from the specialized team requesting documentation of my attempt to resolve this matter with the merchant who made the charges. I immediately provided them with the requested documentation and received a response confirming that they had received the documentation. All of this correspondence took place on XX/XX/XXXX. On XX/XX/XXXX having not gotten any update on the matter, I an email inquiring about a provisional credit seeing as it was the XXXX day since I informed them of the fraudulent transactions and had received no update of a conclusion to their investigation. On XX/XX/XXXX I received the following response. " XXXX XXXX, I am with credit karma dispute escalations. We were able to submit your dispute to the proper channels in order to be further investigated. Dispute number is XXXX. Unfortunately, due to it being a third party transaction ( s ), we are not in a position to dispute this transaction ( s ) due to the following reasons : The transaction ( s ) was not initiated by Credit Karma or XXXX Bank - This normally happens in situations where a P2P ( person to person ) transaction ( s ) is done via another service such as XXXX, XXXX, XXXX, XXXX, XXXX XXXX etc. Unfortunately, we have no further recourse. ". 

This response from them does not seem to fall in line with my consumer protections guaranteed by law, and greatly concerns me regarding my ability to reclaim my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am disputing the following account with XXXX XXXX : XXXX XXXX. Account # XXXX. Date opened XX/XX/2015. Credit limit {$420.00}. Balance {$0.00}. Status : closed. 

Experian keeps on reporting this related to fraud account. 
I tried to solve this matter with them, but they have refused to remove the item, when I even have proof that the account was fraudulently opened! 

I am demanding, once again, this item to be removed from my records. 

Please, send the attached documentation to Experian.

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 2022-07-23
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I just got an updated copy of my credit report and there are some hard inquiries that I dont recognize. 

XXXXXXXX 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 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: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
My account at wells fargo was closed suddenly after cashing a check. I seen the funds were in the account then it got closed and i couldnt and didnt receive the funds. That messed me up because i had things i needed to pay for and couldnt which ended in a lot of things not getting paid for and me owing on.

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 2020-06-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Due to being at high risk for contracting COVID-19, I was not able to enter the bank branch to withdraw cash. I did not have my debit card, so I used my credit card to access the ATM to withdraw cash. The ATM ONLY disclosed that a higher APR would be charged to withdraw the cash, but did NOT disclose that there would be additional fees related to the amount of the cash withdrawn as a cash advance fees. I discovered these fees on review of my statements today and attempted to request a waiver from the bank. The request was denied as to all but one transaction fee of {$10.00}.

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 2019-08-24
Company: KEYCORP
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: Public record information inaccurate

Complaint:
I have been trying since XX/XX/XXXX to get a report from Key Bank stating that I have made all of my payments in time for a home equity loan. Key Bank has sent me to their bankrupcty department as I did file banruptcy in XX/XX/XXXX and it was discharged in XX/XX/XXXX. I reaffirmed with Key bank but they are treating my loan with them as if I didn't reaffirm but they have collected over {$8000.00} from me and this is now paid in full. I have called Key bank in XX/XX/XXXX trying to get this correct and I also had a 3 way conversation with Key bank and XXXX  back as I was trying to refinance my house. I was denied a refi due to this error. I was not aware that they could not do this to me until I met with my new lender and she explained to me that they can not not reaffirm with me nor can they take my loan that I did reaffirm with as report it to the credit bureau that this account was included in a Bankruptcy. I also spent an hour on the phone trying to contact people at Key bank this past Tuesday XX/XX/XXXX trying to get this resolved only to have people disconnect me, send me to unknown voicemail or just refuse to speak with me. I then went into the Local Key branch in XXXX, Indiana and spoke with the Branch Manager XXXX XXXX and she was of no help. She reached out to a lady named XXXX - office code number is XXXX ( i believe ) and she was to either email the payment history to XXXX or mail it to me. I haven't seen anything so I called XXXX  on Friday and asked about this paperwork as this is costing me quite a bit of money and she stated she would follow up with XXXX  and return my phone call but she never called me back. My new potential lender then emailed XXXX cc'ing me as I was in the office with her and again no response. Key bank is not working with me to correct the error on their part and to report to the credit bureau a correct report.

Company response to consumer: Closed with explanation