BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-26
Company: TRANSWORLD SYSTEMS INC
State: PR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid the medical bill the same day of the clinical visit on XXXX and the amount charged was of XXXX $ not the amount of XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: PNC Bank N.A.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I have a checking account with PNC. I also have an account with XXXX, a FDIC member mobile debit card backed by XXXX XXXX  that I have so I can use to make online purchases and protect my various accounts and cards with PNC/XXXX  XXXX and XXXX. When attempting to connect my PNC account to my XXXX  account, PNC refuses to acknowledge XXXX 's routing/account number or link to directly and is prohibiting me from transferring money to my XXXX  account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
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: Personal information incorrect

Complaint:
I have been working on my EQUIFAX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including billing statement and identification. Thank you for your prompt attention to this matter. 

The long list of INCORRECT Addresses that should be deleted are : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX  XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX and XXXX XXXX XXXX XXXX XXXX, GA XXXX. 


I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
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:
I submitted a letter to the Credit Bureaus to delete these suspicious 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2022 I visited the local Wells Fargo branch to do my monthly withdrawal of funds, and deposit it into my Wells Fargo checking account. 

The ATM distributed the funds during the withdrawal, but during the deposit the ATM shut down and kept XXXX $ as well as my Wells Fargo card. 

I immediately contacted Wells Fargo claims and they told me they couldnt allow me access to my funds right away and it would take up to 10 business days. I contacted them several times after and heard the same excuse even though several customer service agents for claims said they could expedite my claim.

I was unable to access money that I immediately needed for two weeks due to this. Wells Fargo repeatedly emails me saying they are investigating my claim, but no customer service would credit my account the funds I deposited that the ATM ate when it shut down.

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 2023-11-19
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello, I would like to start out by noting that account # XXXX XXXX XXXX XXXX XXXX. This is the correct and only accurate account i had with that company. This account was closed on XX/XX/2023. 

Now I have taking the liberty of attaching several supporting documentations. That will support my findings with account number ending in XXXX XXXX. That's being reported on my Equifax and XXXX credit profiles. 

I have found that XXXX XXXX XXXX XXXX is reporting two different account numbers. 
XXXX ) XXXX account # XXXX XXXX ) Equifax account # XXXX XXXX ) XXXX  account # XXXX company I'm disputing wrong account number, Payment status and Last updates. This company has been reporting a wrong account number. At the same time typing in derogatory and damaging incorrect status information. They are changing positive information into negative information every month. After I'd called and informed them of their discrepancies. 

I was denied of a home equity loan today. Due to XXXX XXXX XXXX XXXX XXXX reported on my Equifax credit report. That that closed account now was ( Not more than XXXX payments past due ). How in the XXXX can they report on a closed paid off/Never late account. 

This Company needs to be shut down and have a investigation done. I can't be my life for advancement was rip right from under me today. XXXX knows, I was extremely excited to get equity from working so hard to pay down my mortgage. To where I was able to pull cash from my investment. Unfortunately, as you will see from the supporting documentations. I was denied the loan due to a XXXX Equifax credit score. After it drop XXXX points from the information that XXXX XXXX XXXX XXXX reported. 
Only XXXX has the correct and true correct account information. I attached it as well, and you will see the correct account # and the correct status information as well. 

I ask so whole heartily that this account be DELETED from my Equifax and XXXX credit profiles. So that this will never ever happen again.. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-02-20
Company: TRUIST FINANCIAL CORPORATION
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
We ordered windows through window nation sometime early last year. The windows arrived sometime in XXXX months after they were promised to us. We did our financing for 18 months no interest and payments over that time with XXXX XXXX XXXX XXXX out of Florida. XXXX XXXX XXXX was not supposed to pay window nation until all of the work was complete. We still have windows that have not been installed and when XXXX XXXX XXXX asked us whether or not the work was done on 2 separate occasions via email we told them that the blood work was not yet complete and please do not pay when donation they went ahead and paid them anyways now we are still waiting on a window to be installed and repairs to be made yet XXXX XXXX was paid. I have real issue with XXXX XXXX XXXX issuing payment for a job that was not complete especially after we told them on 2 separate occasions that it was not done. Now XXXX XXXX XXXX is coming after me to make sure that my payments are on time when the work is STILL INCOMPLETE!! And surprisingly window nation is not responding to my inquiries.

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 2023-03-27
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 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 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 2022-10-09
Company: EQUIFAX, INC.
State: NC
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 XXXX XXXX # XXXX, XXXX XXXX XXXX acct. XXXX, 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. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, 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 XXXX : 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 explanation
Consumer complaint received 2023-05-08
Company: Experian Information Solutions 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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX XXXX LATE PAYMENTS Credit usage - % credit usage unavailable Balance - Balance updated - Credit limit {$200.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Credit card Status Paid, Closed. 
Status updated XX/XX/XXXX Highest balance XXXX XXXX Monthly payment - Last payment date XX/XX/XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone number ( 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 2017-10-30
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Back onXX/XX/XXXX after a escrow analysis that would have raised my mortgage payment, my husband who is sole borrower requested if lender Mr. Cooper formally Nationstar would get rid of cushion in order to keep payment same. They agreed and refunded us approx {$1400.00} dollars in which we returned half back in escrow account. After paying XXXX payment I got XXXX statement which said their was {$1600.00} in escrow. Since I knew I would be paying XXXX payment on the XXXX we called and they told us they pay town on the XXXX of quarter due. So onXX/XX/XXXXI planned to call and make up difference in escrow to cover a tax payment Due XXXX I was shocked to find out they had made payment without telling me on XX/XX/XXXX and I have no statement as of today stated that payment. My current statement which was issued on XX/XX/XXXXindicated nothing of this transaction. My escrow account became {$730.00} negative so I made an over the phone payment to escrow today to bring us to positive balance. I will be able to provide documents when I get access to scanner. 

My husband went back thru old statements and discovered they had down this in past paid 2 weeks early and there were months they paid on XXXX ( town gives grace period till the XXXX ) which is what we were told via customer service when we lost cushion so I could keep track and know when I had to have the escrow covered for property taxes. 

In summary all my closing papers indicate is that they must escrow and pay taxes. This is very frustrating because I need three months worth of escrow payments to make these quarterly tax payments and I was not given chance when they paid XXXX quarter early. How early are they allowed and they did this with no indication on statement I do not call them every month for additional dismemberment info, I was going by latest statement which was not even correct. My husband requested taxes be taken out so that is pending. I just want to know if they had the right to do this. I also believe that the constant increases were partially due to them paying taxes early before I had the chance to give them my payment by the first. The past tax increase would have only been a XXXX $ increase that is why we asked for cushion to be removed. We FHA streamlined 4 years ago to bring payment down that is why the cushion was removed, we have never been late since start.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: Experian Information Solutions Inc.
State: NC
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, 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 explanation
Consumer complaint received 2023-12-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This creditor has violated my rights in contravention of the Fair Credit Reporting Act. Specifically, the creditor has infringed upon my right to privacy as outlined in 15 USC Section 1681b, Section 602s. Additionally, under 15 USC Section 1681, Section 604a, subsection 2a, the creditor is prohibited from providing information about my account without my written consent. Furthermore, under 15 USC Section 1666b, a credit issuer is not permitted to categorize a payment on a credit card account as late for any reason under an open and consumer plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: EQUIFAX, INC.
State: NC
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, 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 response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: PNC Bank N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Follow up-to Case number XXXX Complaint filed XX/XX/20 Heard from PNC Bank today. I spoke with XXXX XXXX, Executive Client Relations. Having promised me a fair resolution, back on XX/XX/XXXX, she assured me this matter would be thoroughly researched. In addition, Ms. XXXX promised me, if any reason, I am not granted a credit card, in that she would offer me other options in order to help me pay my medical and dental expenses. Well, that was all a bold-face lie. Ms. XXXX contacted me informing me there was nothing the bank could do for me. Again, all due to my Ch XXXX bankruptcy that has now been discharged for well over a year. MsXXXX XXXX also got the information wrong, where she referred my filing as a Ch XXXX filing and not Ch XXXX. 
Again, I am extremely dissatisfied with PNC and how they consistently mistreated me during this process. This was by far the worst experience I have ever had with any banking institution. When I questioned Ms. XXXX on disclosures, she had no answer for me. That itself is rather scary. Again, I feel very discriminated against by this bank. All due to my past bankruptcy. How incredibly unfair is that? No other bank has ever treated me this badly. I very much want this complaint to go directly to the bank President, Mr. XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
This is XXXX of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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 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 2023-12-11
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/XXXX at XXXX XXXX, I told them that I did not owe the alleged debt and to " cease & desist all contact regarding the matter. On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they emailed again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
SATISFACTION OF LOAN AND DEBT RELEASE ( Sent to Bridgecrest XXXX ) I am writing to confirm that account # XXXX has been paid in full and this has satisfied any and all obligation to the said Retail Installment Contract. The final payment ( s ) is hereby made as satisfaction of loan and debt release status as of XX/XX/, showing in the amount of {$14000.00} ( Remaining Principal Balance ), and any additional interest and/or fees associated with account above in accord and satisfaction of debt as a whole. Account status is now Paid in Full as this was confirmed by agent during phone call made XXXX at XXXX and re-confirmed by another agent including title release information via text communication made XX/XX/ at approx. XXXX to ( XXXX ) XXXX. Therefore, any statements made to credit agencies or any other credit reporting bureaus must be made aware that this debt has been satisfied and Paid in Full. Furthermore, you shall refrain from making any more claims in relation to this debt as it is considered to be satisfactory of the loan, including any and all obligations in connection with the XXXX XXXX XXXX, and is now hereby released of any and all debt. 

Please notate statements on Invoice # XXXX which is an attachment of electronic payments made on XX/XX/2023 ( Sent to Bridgecrest dated XX/XX/2023 ) which confirms payment if full in accord and satisfaction of said debt and payments were accepted by Bridgecrest

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