BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-22
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My problems started when my husband died in 2010. 
Multiple XXXX XXXXXXXX XXXX cards came to me. Despite paying them off and ending them, the institution wanted to send me more. 
After that, I had a XXXX advisor with contraindications involving my accounts. 
I had a life insurance policy cancelled due to many people finding out my info. It was also after I broke up with a relationship. Much of my data got out. XXXX was a large part. As well as dating sites. 
Then my XXXX accounts were found covered up by a translucent page of beneficiaries not mine. I then switched to PNC. Where I havent be able to have any control over my cards or accounts. Im lacking support through the entire affair. 
I had many suitors that came up online which was irregular. Thats mostly it but I also had security systems involved that had someone gaining access, and into my home. I actually have a letter into my fiduciary advisor and their fraud team. I havent heard back. I also lost my family, friends, coworkers, job, neighbors as well. I dont know what happened. Any help is appreciated. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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: EQUIFAX, 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:
My name 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 2023-01-10
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:
After checking my XXXX and Experian reports, it shows that i have a XXXX XXXX. This violates the GBLA federally enacted law that requires Financial Institutions to Not disclose non public personal information to non affiliated third parties, unless the consumer receives sufficient notice. 
Give customers the opportunity to opt out from having their information shared in certain situations. 
Protect the personal and financial information of their customers against unauthorized access or use. 
Not only have I never been given the option to opt out of having my personal information shared across 2 different credit bureaus, but this has also caused detriment to my overall score and report to drop drastically. This would in turn negatively affect any attempts to receive a loan or to be granted a home. I would need this error removed expeditiously as I am a federally protected consumer per the Privacy Act of 1974 and the Right to Financial Privacy Act of 1978.

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 2023-04-21
Company: Experian Information Solutions Inc.
State: NY
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$0.00}

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 2023-01-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Ok this happened approximately XXXX year ago, I noticed that there were several transaction made on my card one morning, when I tried to buy something with my debit card. And it was declined. And the day before there was several XXXX dollars in my account. So I went inside the bank and the banker I talked to helped me file a claim. So there were over XXXX transactions taken from my account in a XXXX month period. And it added up to over {$6000.00} dollars. So I waited for XXXX months for them to investigate. Then I received a letter saying the claim was denied. And that I authorized all of the transactions. So they closed the claim. So I asked for a copy of the statements, and they were mostly from XXXX. So I noticed that all of the amounts were small amounts,. So that's why I didn't notice the money being taken. And the amounts were no more than XXXX, or XXXX XXXX etc. I have never purchased anything from overseas. So I went and filed a police report and the bank said maybe they would reopen my claim. But they refused. So my phone was also hacked, and I had to buy a new phone. And someone claiming to be from XXXX security called and said they were returning money to me, and at that time I had {$700.00} in my account and they tried to get me to log into my mobile banking but I said no, so they continued to stay on my phone. Then I hung up on her so I could call the fraud line for Wells fargo and somehow the XXXX lady was still connected and kept pushing mute on my phone so I couldn't call and report that someone was trying to withdraw {$700.00} from my account. So I immediately removed the wellsfargo app from my phone. And they said they were not going to give me back any of the money.

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 2020-01-14
Company: ID Analytics, Inc.
State: IA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2019 I received a negative decision from Sagestream LLC, I originally applied for a XXXX Store Credit Card. Their decision was based on quote " most significant reason ( s ) where you did not score well are listed below : Your Credit Score XXXX Date : XX/XX/2019 Not enough bankcard experience Invalid phone number of applicant Number of subprime finance inquiries Number of inquiries '' ( End of quote ) Quote was based on the written decision letter from Sagestream LLC and XXXX XXXX, Creditor I monitor my credit via XXXX XXXX   and several of my credit cards offer credit monitoring. My credit score has been consistent between the three major reporting agencies ranging between 220-260 points above the score represented on this writing. 
I started out by contacting XXXX. I was told to contact XXXX. When I contacted XXXX, I was told to contact Sagestream LLC. I'd like to note that on the letter I received from XXXX it stated to contact the creditor listed on the top left of the letter. That Creditor is/was XXXX XXXX. I have attempted to contact Sagestream on three separate dates and had to leave voicemails each time. The recorded greeting states that Sagestream will contact You/me within twenty-four hours. I have not received any response. I have direct experience working with credit reporting agencies and in the fifteen years I was involved in lending I never witnessed this large of a discrepancy. I ask for this credit score to be removed from my record as it is based on inaccurate data.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: Consumer Portfolio Services, Inc.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I paid {$1500.00} in the beginning of loan to pay in advance and CPS misapplied payments and took XXXX $ in interest! 

Since that time XXXX 2022 its been a battle to have them reapply the payments correctly! 
Past 4 months paying what they tell me.. still goi g to interest instead of principal! 

Threatening to repossess and many late fees and misapplied payment!! 
I even qualified and signed documents to put one payment at the end of loan No ONE IS HELPING ME and it causes me stress and financial hardship!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: TRANSWORLD SYSTEMS INC
State: TX
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:
XXXX XXXX and Transworld System are continuously reporting inaccurate information on my credit profiles. Both companies are alleging that I owe them. I have previously communicated with both companies ( see attached ) disputing the validity of their alleged debt and even requested they provide the documentation to indeed support that allegation that I owe them. Transworld NEVER provided a dunning letter to me prior to inserting the erroneous entry on my report, nor did they allow 6 months from the time of the alleged debt for insurance to pay per Affordable Care Act.  These entries from both companies should NOT be reflected at all. 

I have continuously made payments to XXXX for these same exact debts that these 3rd party collection companies are asserting I owe. How do I owe them anything if I am paying the company itself? This is absurd and illegal. Additionally, both companies should provide a copy of the contract they have that reflects my signature that binds me to owing them ... .... See attached documentation that reflects my payments to XXXX for all outstanding balances I have with them. My monthly payment arrangement is with XXXX ; therefore, I do not owe XXXX nor do I owe Transworld. 

DELETE BOTH OF THESE ERRONEOUS ENTRIES AS THEY ARE INACCURATE AND UNVERIFIABLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Upgrade, Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am requesting an investigation and deletion of this debt. 

See Following Information Regarding Dispute, Account Information : Original Creditor Upgrade - Via Bank partner, XXXX XXXX XXXX  XXXX  XXXX - Acct. # : Personal Loan Collection Agency XXXX XXXX XXXX XXXX XXXX. Via XXXX XXXX XXXX Dates associated with items being disputed : Account originally opened with Upgrade on XX/XX/XXXX Account opened with XXXXXXXX XXXX XXXX on XX/XX/XXXX Explanation of item being disputed : I applied for a loan in the amount of {$1400.00} on-line with, Upgrade XXXX XXXX XXXX, XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX, on XX/XX/XXXX, and was approved for the loan through, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 

I was scheduled to get the first direct deposit on XX/XX/XXXX, however I never received that deposit, after contacting Upgrade and sending an email on XX/XX/XXXX, with my bank records dated from XX/XX/XXXX thru XX/XX/XXXX it was found that Upgrade had the wrong account number for my checking account. Upgrade supposedly fixed the error and rescheduled a second direct deposit for XX/XX/XXXX. However once again that direct deposit also did not go through correctly. I made numerous phone calls regarding the loan to Upgrade, and the issue was never resolved, nor did I ever receive the loan. I sent another email on XX/XX/XXXX, to Upgrade advising in writing that I did not receive the loan and demanding that Upgrade cancel the loan and remove it from my credit report immediately. I then received a bill for a loan that I never received, I called Upgrade again, and again sent Upgrade another email on XX/XX/XXXX with bank statements from XXXX and XXXX attached for proof to dispute the bill for a loan that I never received and demanding that the loan be canceled and to remove it from my credit reports. This was never done by Upgrade, I then received a notice of collection in XXXX of XXXX that was dated on XX/XX/XXXX, from the following Debt Collector : XXXX XXXX XXXX - Reference Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX XXXX is a debt collector hired by the following collection agency : XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Phone : ( XXXX ) XXXX I am not responsible for a BILL/ LOAN that I never received and repeatedly tried to get Upgrade to correct or cancel the loan, I included supporting documentation to Upgrade as proof that I did not receive this loan and disputed it. I have been repeatedly ignored by Upgrade management after asking time and time again for a return phone call. 


I request that this item be thoroughly investigated and deleted from my Consumer Credit Report Immediately. 


Thank you in advance for your assistance in resolving this matter quickly. 

Regards,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Report provided to employer without your written authorization

Complaint:
In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX XXXX XXXX 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 this item 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 non-monetary relief
Consumer complaint received 2023-04-21
Company: EQUIFAX, INC.
State: NY
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
The app- to make payments, withdrawals, deposits, etc - has been down all week long. There is no remedy with customer service and people 's livelihoods are at stake because the bank is inaccessible. Where are the protections for the consumers? This is not right. All week long - inaccessible.

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 2020-08-15
Company: Experian Information Solutions Inc.
State: TX
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:
Previous fico score ( averaged ) XXXXpts My mortgage was refinanced ( freedom mortgage ) in XXXX. I was advised by XXXX XXXX to not make XXXX payment, as it would be refunded anyhow. The loan properly disbursed on XX/XX/2020. 
XXXX XXXX computer system erroniously attached a 30 day late to my credit report. This caused a 149 pt drop on XXXX from XXXX to XXXX. On XXXX a 153 pt drop from XXXX to XXXX, and 82 pt drop from XXXX to XXXX on Experian. All of those drops in scores were excessive to say the least. Fraudulent is more appropriate. I have a clean payment history going 184 months prior, had less than {$1200.00} total revolving debt. 
I filed a dispute with all 3 agencies and XXXX filed a dispute on my behalf as well. This latest report, the agencies raised my score ( XXXX 54 pts, XXXX 116 and experian 51 pts. ) This is unacceptable given my payment history, debt and responsible financial decisions. 
I would like a full investigation as to how one single late payment would drop my scores so far down and how a correction of that late payment to paid on time would not result in restoring my credit to where it was previously. I believe the new scores are reflective of a new debt incurred while the scores were erroniously low, and the same debt incurred at an XXXX score would not result in such a steep drop. 
I do require a confermation of this complaint by email phone or text 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 explanation
Consumer complaint received 2023-04-21
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:
In accordance with the Fair Credit Reporting act 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 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. The date open on the account is wrong they different dates that the account was open.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief