BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-05
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On Date XX/XX/XXXX there was an unauthorized charge on my PNC debit card for {$100.00} made at a gas station in XXXX XXXX about 50-60 minutes from where I live. I have never been to that area in my life. On XX/XX/XXXX, there was another unauthorized charge of {$99.00} on my debit card also at a gas station in the same area as the previous transaction. My debit card was in my possession at all times and I did not lose it or let anyone borrow it. I called the bank on XX/XX/XXXX when I saw the transactions and reported the fraud. The bank never advised me to contact the merchant, as a matter of fact, I asked for the merchant address and they told me they did not have the information and told me to XXXX it, nor did they tell me that it was necessary to file a police report. They temporarily credited my account. I received a letter on XX/XX/XXXX that my claims had been denied with no explanation why and was told that the money would be withdrawn from my account. I called the PNC fraud department and was told that I should've known that I had to call the merchant and file a police report without being told to do so. They were extremely rude and unhelpful. Finally after asking several times how this bank protects my account from fraud, without an answer, my concern was sent to the escalation department. I received a phone call from them the same day along with an email. I called the phone number and left a message to the escalation manager who sent me the email. She never returned my call. I wrote her an email as well and she never replied to the email. I called the XXXX number and waited for another escalation manager to help me and got through to someone and explained what was happening. He stated that my claims were denied because other charges on my account hadn't been reported. I told him that the other charges were valid and I made them and they had nothing to do with the two fraudulent charges I didn't make. This makes no sense. 
He said he was going to submit the claims again for another investigation so that I can have my money returned to me. This was on XX/XX/XXXX. I received a letter in the mail dated XX/XX/XXXX stating that my claims were denied. I don't understand how a proper investigation was done in two days. I also called the police and filed a police report on Friday XX/XX/XXXX reporting this fraud. I called the escalation department and advised them that I filed a police report and to call me back so I can give them the report number. No one called me back. I'd also like to add that I've had a mortgage with PNC since XXXX as well as a bank account. I've had nothing but terrible customer service and feel very unsafe in keeping this bank account open.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-05
Company: Experian Information Solutions Inc.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 2018-09-09
Company: Experian Information Solutions Inc.
State: MS
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:
XX/XX/2017 a catalog account from XXXX was used by someone other than me without my knowledge or permission. I notified XXXX immediately that this was not my account-someone used the catalog that was in my name. They continued ho report delinquency to the credit bureaus so I notified them this was not my acccount. It was corrected for a short time but XXXX continues to report delinquencies knowing full well the account is not my responsibility.

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 2018-09-09
Company: Experian Information Solutions 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:
CEASE AND DESIST COLLECTIONS ON FRAUDULENT DEBT AND REMOVE ALL CREDIT REPORTING AT ONCE OR BE SUED.

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 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I have Fraudulent Accounts on my credit reports for XXXX, XXXX, & Transunion I have disputed these accounts multiple times. 

Fraudulent Account : XXXX XXXX XXXX XXXXXXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargeoff Past due amount {$0.00} Fraudulent Account : XXXX  XXXX  Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargeoff Past due amount {$0.00} Fraudulent Account : XXXX  Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Late 90 Days Past due amount {$0.00} Fraudulent Account : XXXX  XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Open Status Late 90 Days Past due amount {$0.00} Fraudulent Account : XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargeoff Past due amount {$120.00}

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 non-monetary relief
Consumer complaint received 2023-05-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
A scammer created a Bank of America account online using my identity online and deposited a fraud check for {$27000.00} using an ATM machine in XXXX  and cashed it out a week later on XX/XX/XXXX. I don't even live in XXXX. Bank of America is accusing me of that transaction and they took my money from me on XX/XX/XXXX without telling me and again on XX/XX/XXXX. I no longer can trust them.

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 monetary relief
Consumer complaint received 2023-04-05
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:
When I reinvestigated my updated credit report, I see that the same account was erroneous. Experian and XXXX are required to validate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unverified information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$4700.00}

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 2018-08-27
Company: Rocket Mortgage, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
These companies call 3-4 times a day I have told them I'm on the Do Not Call List. Under Maryland Law this is Telephone Harassment. I am retired XXXX  XXXX, and would like compensation for these numerous violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I submitted a 3rd letter to Fair Collections and Outsourcing ( FCO ) on XX/XX/XXXX after repeated requests for documentation to validate a debt they claim I owe per FDCPA 15 USC 1692e. Since they can not validate the debt they must remove it from all credit reporting agencies. Which they have failed to do. 

A recent lawsuit against FCO found that the collection agency routinely failed to implement proper policies and procedures to ensure the accuracy of accounts. I'm clearly a victim of the very same practices since a collection was placed on my XX/XX/XXXX. 

I do not recognize this debt and demand that this collection be immediately removed.

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 2023-10-25
Company: Experian Information Solutions Inc.
State: PA
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: Was not notified of investigation status or results

Complaint:
I am sending you a letter regarding the errors and mistakes that I have found on my credit report. These mistakes that you are reporting are affecting my character and reputation as a consumer. 

The accounts that I am referring to are the following : 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 -Experian 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 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 2023-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
In XXXX, I closed my XXXX XXXX post-paid account and opened a prepaid account. However, XXXX continued to bill me for the post-paid account. Subsequently, the payment to the account was incorrectly reported as late instead of closed. I called XXXX each month that I received an erroneous statement, was promised that I would no longer be billed for the old plan, but the error was never resolved. I filed a credit dispute report with Transunion on XXXX XXXX XXXX XXXX : XXXX which has been in dispute since that date. XXXX continues to claim that the payment is in default but has not responded to the fact that the bill was for a post-paid account that had been closed. Since XXXX has not responded, I request that the disputed information deleted from my credit report. Transunion has been unresponsive. The following is a list of my payments to XXXX in XXXX : XX/XX/XXXX {$51.00}, XX/XX/XXXX {$51.00}, XX/XX/XXXX {$51.00}, XX/XX/XXXX {$51.00}, XX/XX/XXXX {$58.00}, XX/XX/XXXX {$51.00}, XX/XX/XXXX {$43.00}, XX/XX/XXXX {$43.00}, XX/XX/XXXX {$37.00}, XX/XX/XXXX {$37.00}, XX/XX/XXXX {$37.00}. I have been a customer of XXXX XXXX since XXXX, never missed a payment, nor been late with a remittance. Please correct my credit report.

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 2022-10-21
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:
Per Consumer Law, 15 U.S.C 1681b - Credit reporting agencies such as, XXXX, Equifax, and XXXX does not have the right to report anything or any matter with a consumers written consent. 

15 U.S.C 1681c - 1 Without my written consent these items still remain on my credit and I want them removed immediately because this is identity theft. 

Company Name : XXXX XXXX XXXX Date : XXXX XXXX Amount : {$990.00} Actions That Were Taken ; I did not give written consent for Equifax, XXXX, or XXXX to put this on my credit report Fraud Account Remove Immediately. 
Company Name : XXXX XXXX XXXX Date : XXXX XXXX Amount : {$590.00} Company Name : XXXX XXXX Date : XXXX XXXX Amount : {$530.00} Company Name : XXXX XXXX Date : XX/XX/XXXX Amount : {$800.00} Company Name : XXXX XXXX Date : XXXX XXXX Amount : {$280.00} Actions That Were Taken ; I have reached to each credit bureau individually and I have received any response to remove this information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-10-21
Company: Experian Information Solutions Inc.
State: VA
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:
Car loan is paid in full but showing closed wrote off as bad 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 explanation
Consumer complaint received 2023-03-30
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a check from a person for XXXX check was written on XXXXfrom XXXX XXXX. I deposited the said check on XX/XX/23 to JP Morgan Chase, and The check cleared. A couple of days later I tried to us my debit card and it was denied. I checked my account on my phone and they put a hold on the said check, but it cleared and was available. So I called the service number and was told that the needed to verify the writer. So I called the writer and they checked their bank and the writer said it had cleared, they took the money. So i called again. Now they tell me it is my responsibility to furnish a phone number. This has gone on for XXXX weeks now and multiple calls. They even wanted the writer to got to a branch to verify they wrote the check. They did and was told there was nothing need from her. I furnished all the numbers I could, to resolve the issue but they would not except any of them. They won't give me reason for the hold only they can't verify the phone number to the writer. After over XXXX weeks of back and forth with customer service. And the writer and me on a conference call with customers service, they refused verification. Now they have closed my account still have the XXXX and will not send it back to the writer or to me without a dispute letter from the writers BANK. they have done all of this with no notification to me at all, only a hold on a check. There seems to be a freeze or flag on my account and they won't tell me why. Now I called the writer and their bank doesn't know what to do either. I and my check writer are out the money for no understandable reason other than a phone number. I know that's a lie because all banks are linked to your phone. That's how we check our accounts. 
Please help, we need this resolved!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I send a letter to Experian with several items on XX/XX/2022. I ask for them to delete this items do to me never sign any agreement with such companies. They responded, they will investigate on or before XX/XX/2022. 
After 30 days they concluded that all was verified and no deletion or changes was made to my file. I then proceeded to send an escalation letter and a 609, letter included, I also mention penalties. 
As of today The only deleted total of 3, 1, one being child support. 2 of this items are from The Child Support Agency, this 2 are by far the most harmful to my daily leaving. ( but they deleted 1 ) Escalation letter had a due date of XX/XX/2022. 
I will mark deleted ones on my attached file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-20
Company: ProCollect, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I will continue to file complaints to the CFPB until my complaint is resolved. 
Submitting an answer back to the CFPB of we received your complaint, Thank you. Shows how very unprofessional this company truly is. 

So again, I will continue filing complaints at this point forward not only to the CFPB, but now to the XXXX and state attorney generals office until this debt is removed off my credit report for failure to validate this debt as requested several times. Clearly you are violating the FDCPA laws. 


This past August I filed a complaint with the CFPB against Pro collect. I have never at any time received a representation letter from this company, a bill in the mail and furthermore, a chance to dispute this account. Instead, Pro collect has placed this on my credit report with no explanation to get me to pay the bill. Our apartment had numerous issues during our four and a half years of renting including MOLD, ( I have pictures ) water coming in thru the walls in our master bedroom, and a water heater they tried to fix over 10 times in a 2 day holiday period which flooded our laundry room ( had we not been home, it would have created a very serious issue ) Below is the response from a procollect representative that has failed to resolve these issues I have listed, provide a bill to me whats so ever as stated in her response, and finally, allow me to file a dispute in writing. As you can see in the representatives response, there is no resolution on any of my concerns, the representative just list how to make payments. 

Procollect received the consumer 's account from our client XXXX XXXX Apartments on XX/XX/XXXX. The consumer owes a balance of {$2100.00} for ( RENT/LATE XXXX XXXX XXXX XXXX DEP XXXX ). The consumer 's dispute has been noted and the account has been updated. On XX/XX/XXXX, the consuner contacted Procollect and was made aware of the debt. The consumer provided Procollect with his attorney 's contact information at that time. Procollet contacted the consumer 's attorney on XX/XX/XXXX. The consumer 's attorney indicated that he needed to contact the consumer and he would call back. Procollect will mail proof of the debt to the consumer on today XX/XX/XXXX. I apologize for any inconvenience this may have caused. Procollect will only communicate with the consumer 's attorney. The consumer 's attorney may provide Procollect with any correspondence that proves this debt to be invalid by email to XXXX or fax XXXX. The consumer 's attorney may contact Procollect @ XXXX to pay the balance in full over the phone with a credit or debit card, or receive additional payment options. If the consumer 's attorney has any further questions they may contact me, XXXX XXXX, directly @ XXXX ext XXXX. 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 2018-09-09
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Attempted to purchase from XXXX XXXX XXXX aka XXXX XXXX {$130.00} for school uniforms online XX/XX/2018 AMEX refunded money when same company did not retrieve payment from my account on XX/XX/2018. 
Assuming AMEX error placed a 2nd order {$120.00} paid for via my XXXX card. These items were received. 
One week ago AMEX gave me a NEGATIVE balance for {$130.00}?? 
They FORCED a payment to XXXX XXXX XXXX. 
Then DEBITED {$130.00} when my Social Security check was just deposited. On the SAME day the COMPLAINT was filed. 
Did not perceive my bank and merchant were thieves. 
Filed a complaint with AMEX. Claim it takes 45 days to Credit my account. 
Spoke with XXXX XXXX ( XXXX ) on XX/XX/2018. 
They transferred me to XXXX XXXX ONLY able to leave a message. 
As above date zero RSVP. 
Please Help. I am on a fixed income just trying to help my grandkds. 
I am accustomed to paying for ny own mistakes NOT the mistakes of others.

Company response to consumer: Closed with explanation