BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My Wells Fargo Bank visa credit card was fraudulently used in multiple establishments ( some of which I have never been to ) during the period XX/XX/XXXX - XX/XX/XXXX. I contacted the bank and they reversed the charges. 

Later, they put the charges back with the following reason. The credit cards were in your possession at the time of fraud ''. Their contention is that the card was used physically with the chip in place. They said I should be responsible for the charges. 

I am absolutely sure these charges were not incurred by me nor my wife ( the co-holder of the credit card ). It appears that the card was indeed not in our possession based on the banks reasoning. 

I would like this to be taken up with the bank, so that we are not penalized with over {$4000.00} of fraudulent charges. This is certainly unfair to us! 

We have been a Wells Fargo customer for over 25 years. Why would we report fraudulent charges if they were indeed incurred by us? 

Hoping you can assist us in this matter. ( Wells Fargo complaint ID 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 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 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 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 2023-05-18
Company: PNC Bank N.A.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
PNC bank sent me a check with a refund that was owed to me by a merchant called XXXX. Then, the PNC bank put a stop payment on the check and caused my account to get fees. There was no reason why this happened. This was an evil and malicious act that shows how ruthless this bank is to the consumers. I want the check fixed and this to be handled by a higher official who can fine the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: SLM CORPORATION
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Re : Sallie Mae Loan # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I have a private parent student loan w/XXXX. However, during the national pandemic when it was announced that ALL student debt, rent etc -- payments was put on hold, mine was also. Unfortunately, when it came time to resume payments ; I began paying my " contractual agreement '' amount but XXXX  representatives tried to bully me into paying " double '' my original agreement amount giving some reason that I don't understand. I filed a complaint w/XXXX XXXX office ( see # about ) ; and I received an email from XXXX XXXX from the AG 's office stating XXXX  is in a Nation wide settlement w/XXXX being the administrator due to XXXX  's scrupulous student loan practices. When I went to the website to apply for the settlement, I never heard anything back ; when I recently went on their website & it's not working. However, the entire time I was trying to stop XXXX  from sending my loan into 'default ' ( while still paying contractual agreed amount ) the XXXX  reps intentionally failed to tell me about XXXX  XXXX multistate settlement. The interest rate on my now parent loan when it was in forbearance is high ; & I'm still being bullied by XXXX  and the balance on this loan isn't going down. When you try to go on the XXXX site now, there's no way to ck on status of the settlement. 

FYI : I HAVE FILE NUMEROUS COMPLAINTS W/CFPB & YOU PEOPLE ARE REALLY A WASTE OF TIME! THE FOUNDER OF THIS SITE MUST HAVE STRONG POLITICAL TIES TO ALLOW THIS COMPANY TO BE ESTABLISHED! YOU PEOPLE GET A RESPONSE FROM THE 'OTHERSIDE ' & NOTHING ELSE HAPPENS CFPB IS XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: Receivables Management Partners, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I check my credit score often and on my credit reports I have no knowledge of rmp service the from where its coming from I know its a medicine place it says but I never heard of it and im very upset its on my credit report I tried disputing it and I have no papers from it its just on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-05-18
Company: PNC Bank N.A.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Per XXXX XXXX XXXX I need to file an FTC report for fraudulent inquiries on my credit report for them to resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: CITIBANK, N.A.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This account citi bank/ brand source has been settled and payed off with XXXX XXXX XXXX. They are still are reporting a balanced owed

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 2023-05-10
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company stated in last response to complaint of how to take care of this debt and how to get it off my credit report. Everything that company required me to do, I did, to have it item removed. However, ARS continues to deny communications from me. They continue to give me the runaround when it involves answers based on what I have to do and if they have received it. 
ARS stated in their response to my earlier complaint that the debt could be removed if i was able to show insurance coverage at the time the original debt was undertaken.

It should be noted that my claim all along has been that this is not my debt and I do not know who created this debt. In. No way should the action of me submitting my insurance information be taken as an admission or Acceptance of said debt.

After I received ARSs response and instructions I sent them the required information theee times. ARS refuses to respond to my emails. They have said nothing pertaining to receipts of r these emails. On phone calls thru tell many XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/2020 I saw an offer on XXXX for an XXXX Mastercard ( offered by Synchrony Bank ) I believed to be very generous. " Receive a {$150.00} credit if {$500.00} is spent on XXXX in a 30 day period. Account must be opened between XX/XX/2020 and XX/XX/2020. Find out if you are approved in seconds ''. As a regular XXXX user and member I completed the online application to the final entry which asked for a phone number. A code would then be given for me to enter in the final part of the application. After providing a phone number, that code never came. After waiting a while I clicked on " cancel this step ''. 
A pop up then stated I would receive notification in 7-10 days, obviously outside of the promotional window. 
I then called customer service. They acknowledged receipt of my application and would review if I could hold for 3 minutes. A representative ( XXXX ) came back and told me they would send a call with the code and then call me after that to retrieve the code. I never received a call and had to go off to work. 3 hours later on break I tried customer service once again. I was told to hold for 3 minutes. The representative came back saying my application was sent to review and there was nothing they could do to help. I had asked if I would receive the promo offer and she said " most likely not ''. 
With a small window of time to open the account ( XXXX ) any applications not approved immediately would have no way of receiving the promotion. I suspect others were having this same issue and perhaps not just an innocent glitch in the system. My credit score is immaculate and there would be no reason for Synchrony to be leery of offering me credit. 

XXXX XXXX XXXX XXXXXXXX % 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 2023-05-10
Company: EQUIFAX, INC.
State: LA
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 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed some unauthorized hard inquiries on my credit report I'm not familiar with that I'll like to get 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 non-monetary relief
Consumer complaint received 2021-01-26
Company: PENNYMAC LOAN SERVICES, LLC.
State: MN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We started a re-finance of excising mortgage with Pennymac Loan, LLC, NMLS ID # XXXX ( XXXX ) at the end of XXXX. We comply with their entire request for documentations, income, and taxes, so on. They would not communicate with us for weeks, only after we questioned where they were in the process that the representative would tell us. Eventually an appraisal of our property was set for XX/XX/XXXX with XXXX XXXX XXXX XXXX out of XXXX MN. We pre-paid {$480.00} for the appraisal, including the credit background check {$26.00} handling fee {$3.00}. After we paid for the appraisal and the appeaser was at our home on XX/XX/XXXX, we did not get a copy as stated by law in a timely manner ( 3-4 days ) as per the Equal Credit Opportunity Act, or by Equal Housing Opportunity Act. It was not till I called them that an email was sent to us by Pennymac on XX/XX/XXXX. Pleasse notice that it was 15 days after the alotted time to send us a copy that Pennymac had sent an email to XXXX ( owner of home ) at his work ( business ) email. The email was to have had a link to open the supposed copy of the appraisal. This link was broken and did not work. I try to communicate this to the agent I had been working with to only find out he no longer worked with the company, and another person was to be asigned. So I, did not receive the appraisal copy that by law was to get. After several attempts to communicate by phone with Pennymac no copy was delivered. Eventually Pennymac would not communicate with me on a timely manner and the process with them to re-finance our home fell through by the end of XX/XX/XXXX. 
I still have not received the copy of the appraisal as by law I was to get. Several more calls to Pennymac with no progress were done, two of them this XXXX, XXXX. Results were after explaining the reason of not receiving the appraisal, the representative was hostile towards me, and my call was disconnected. Each time I try calling back on XX/XX/XXXX and getting a different representative, I had to explain all over again the reason of my call once the representative heard me, I was told they did ot have to talk to me and I was disconnected. I even tried to communicate by email with the person that did the appraisal, his response was that he can release it to us with Pennymac approval, but he did not request this of Pennymac even after we suggested he should. 
I believe Pennymac had violated the laws by failing to produce a copy of the paid appraisal on a timely manner. Even after we tryied to explain that we did not received one due to technica/ electronic problems, they did not US Postal Service us a copy. To date we do not know the results of the appraisal or the value of our home. I do believe the company tactics were to collect money for an appraisal and do nothing to refinance the home loan we applied for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX. Balance : {$0.00} ; XXXX XXXX XXXXXXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$480.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
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:
none of the following accounts are mines! 
I haven't applied to any of these accounts listed below on the document I have provided this is definitely fraud and needs to be removed off my credit eclectically when it's not my doing. the payment status data listed on some of these are mismatch compared to other credit reports. data set related inputting of accounts were not XXXX XXXX  compliant. 
somebody had to get my information from somewhere because these are all unauthorize inquiries the i have never even applied for this is not okay.

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 2022-10-27
Company: EQUIFAX, INC.
State: SC
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 several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I created a TransUnion account a few months ago. After filing dispute, I am no longer able to login as if my account doesn't exist. I have suffered adverse actions and now can not get a place to live due to TransUnion locking me out of my account along with reporting inaccurate and fraudulent information. A proper REINVESTIGATION has not happened.

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 2023-05-19
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
There is incorrect personal information on 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 explanation