BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-17
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
PNC Bank had committed fraud with my account # XXXX. They have lost my money over {$2500.00}. They do not have a withdrawal slip. I have contacted the bank manager as well as their conflict resolution person, XXXX, phone number XXXX. 
I want the return of the stolen money. Refund {$2500.00}. 
XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

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 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I thank you for your help in removing some of the erroneous items on my file which are seems to be inaccurate. Per FCRA segment 605, you are required to disposed the following items that are seems to be an error on my credit report. I think you have enough time to make actions regarding this matter and be resolve immediately and as a result of that I am expected that all the items that such an error on my account will be removed. Kindly delete these 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-24
Company: Virtual Assets, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I deposited {$500.00} at a XXXX into this account Virtual Assets , LLC XXXX Crypto Dispensers so I can buy crypto currency on their system, but the system would allow me to buy the crypto and there is no way to withdraw the money that was deposited into my account.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I moved into my home in XX/XX/XXXX in XX/XX/XXXX I felt behind on my mortgage 3 months my mortgage company offer me loan modification I except the loan modification thinking that they were going to put the 3 months that I was behind in at the end of the loan only to find out that they wiped out the entire 12 years of payments that I had previous from XX/XX/XXXX through XX/XX/XXXX and started the loan over for 30 years. Which mean instead of me being through with my loan and owning my home in 13 years it will now be 25 years at the age that I am now and because of this I will probably never live to be able to retire and will never live to own my home. Which mean that they would get 42 years in payments and probably still end up with them owning the house. I work all my life and will not have my home. That 's un fair this company took advantage of me when I needed help and nowhere to turn to. In reality I paid them XXXX dollars for being behind on my mortgage 3 months which was about 3.000 dollars. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Welll Fargo has wrongly accused me of fraud and scam and went a closed my personal checking accounts seized my money that have in the account and has told me that I have to wait until XX/XX/XXXX to get a check in the mail while I have family to feed .That has caused me a lot of damages emotionally physically and financially.I have keep calling them multiple time until I went to the branche in XXXX MD and the manager help me to overdraft my money..They illegally closed my personal checking account and my savings also my business account

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 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXXXXXX 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

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 2023-02-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have been making regular payments usually way more than the minimum amount due every month and sometimes I make payments two times within a billing cycle on my CAPITALONE credit card. I made payment for last month but I was still charged a late fee. When I called to complain, they said I made the payment a bit too early within the current billing cycle. I was really surprised and never heard that before. Nobody could offer any satisfactory explanation why I was charged a late fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-28
Company: Experian Information Solutions 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:
This is my 1st 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/delete the following items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$110.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$610.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$79.00} XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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
Consumer complaint received 2022-02-25
Company: Professional Debt Mediation, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On different dates I have reached out to this company rto dispute this inaccurate information. Once this debt collector requested for me to send the poof this debt was not mines and I did not own any balance which I was able to verify but yet they are claiming this debt is mines. Which they are falsely reporting this information on my credit report. In the past month I again disputed this claim and yet they are trying to verify this debt is mines when it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Im on a covid 19 forberance since XX/XX/XXXX. My work hours were reduced then I got XXXX and was not able to work. I have been reaching out to Wells Fargo since XX/XX/XXXX to get into an agreement for payment. I was told I can do a loan modification but they are not helping me out. They keep asking for the same documents. No one calls back with a clear answer. They assumed I was married to my cosigner who is my sister in law without asking any clarification. I keep calling and every rep I talk to says something different every time. I asked to speak to a supervisor on XX/XX/XXXX. They said a supervisor will call me back within an hour and noone called me back. I called back XX/XX/XXXX and I was told I needed to speak to a high XXXX department but noone answers the phone. The rep said that dept might be closed and to call back the next day. I can't get help from them for 3 months now. I need to keep my home. Now I'm stuck with over XXXX balance that I can not pay at once. Wells Fargo is horrible.

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 2023-12-06
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I got a notification on XXXX XXXX that someone opened a credit card. I checked and it was mountain America credit union, which I have never had an account with them in the past. 

I see that they opened the account on XX/XX/2023 with a credit limit of {$7000.00} and they spent {$7000.00} I disputed it to the credit bureaus and I let the bank know that it wasn't me. The bank made me send my Social and ID over to their fraud department for investigation. 

I also filed a local police report online.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-27
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: Reporting company used your report improperly

Complaint:
I recently did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX *XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Also, In accordance with the Fair Credit Reporting Act, the list of accounts above have violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C. 1681. 

15 U.S.C. 1681 Section 602 A. States that I have the right to privacy. 

15 U.S.C. 1681 Section 604 A, Section 2 States a consumer reporting agency can not furnish an account without my written instructions. 

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 reason to believe that the information is inaccurate. 

15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency can make any consumer report containing any of the following items of information Any other adverse item of information, other that records of conviction of crimes which antedates the report by more than 7 years.

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 2021-03-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent a validation letter to XXXX XXXX XXXX , XXXX on XX/XX/XXXX. They didn't respond until XX/XX/XXXX. They failed to validate that they are authorized to collect in Texas and other demands I have by right. They only sent a copy of a contract. I sent a letter to Equifax on XX/XX/XXXX demanding removal of account number XXXX for being in direct violation of the fair credit reporting act twice. 15 days have passed and I still have not been updated on the status of this removal. I would like this to be removed immediately. 

I authorize CFPB to investigate this matter on my behalf for account number XXXX attached to my social ending in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: Santander Consumer USA Holdings Inc.
State: AR
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To Whom It May Concern, I have tried to settle this issue with Santander multiple times. My ex-husband XXXX XXXX ( main borrower ) opened a car loan. I was included on the loan when I shouldn't have been. I tried making a police report, but I was told it was outside of statue of limitations. My ex husband is receiving relief through the class action lawsuit. However, as the co-borrower, I am not receiving any relief. I have called XXXX XXXX, Santander and my state attorney general to confirm that as a co-borrower I was not included in any type of relief. 
I was not supposed to be on the loan at all. I wasn't there to sign it. Santander opened not one, but FOUR car loan accounts in my name in an effort to push this through. All of the opened and closed car loans were opened in XXXX and XX/XX/2013. Out of four of these entries ( and they all have different account numbers ) only one stuck. This should have been caught by the company that FOUR different loans were pushed/failed through in my name. I have included a screenshot.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
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:
In accordance with fair credit reporting act XXXX XXXX XXXX  ACCTOUNT # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report?

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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 2021-03-18
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Community Loan Servicing XX/XX/2021. 

After making regular monthly payments, suddenly in XXXX I started receiving notices of overdue payments and the process of forbearance. According to their website, they subtracted {$1000.00} from my previous payments which then showed I was behind by two months. I called their customer service and they said I put a stop payment on the XXXX payment for {$1000.00}?? The payments are only $ XXXXmo. Rep said I could send a dispute with documentation of the last 6 months Bank statements showing the ACH payments and I would get a response in 24-48 hrs. Sent dispute paperwork on XXXX, didn't hear anything for a week. Forwarded the first email with a follow-up email on XX/XX/XXXX. On XX/XX/XXXX got a call from collections trying to get me to make a payment telling me he doesn't see the dispute or the emails. Then he found the emails and gave me a different number for the resolutions team. That turned out to be the number of an apartment complex in XXXX XXXX. Called back ( each call is an hour long wait to talk to a person ) and she gave me a completely different number. Called that number, and after a hour on hold the line disconnected. Meanwhile, my insurance company of two of my rental property 's sent me notification of re-rating due to default on my mortgage and I have received several letters from Community Loan Servicing informing me that I am in default of my loan and may soon start the foreclosure process Finally on XX/XX/XXXX I spoke with someone ( another hour on hold ) who said they fixed their mistake and loan was current and they were going to fix the credit reporting in 2 or 3 weeks. In the meantime my bank is re-reviewing my SBA application for a business sale and is in jeopardy. I have still today not received any conformation from Community that I am disputing their records. They said they can only correct the record and can not contact my insurance company to explain what happened. They can not explain what happened?? Just to say it was a mistake in the payment processing dept. How can that be? All my payments are ACH which is an automated process? How can you " stop payment '' for {$1000.00} when the payments are {$760.00}? Mistakes happen, I get it, but how you how you react to fix it is how you are perceived. Customer service is WAY down their list of priorities and feel bad for their frontline employees who have to deal with the incompetent Ownership and Management of this company. Its greedy to take on more business than you can manage effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
On XX/XX/XXXX, I wrote a letter to XXXX and TransUnion about an inaccurately reporting item that was adversely affecting my creditworthiness. Both companies reported back the item had been verified by XXXX XXXX. I also notified XXXX XXXX that they were hurting my livelihood by reporting inaccurate information about my account, they responded to my concern with a frivolous letter. I responded to XXXX and TransUnion with proof of the inaccuracies on a letter dated XXXX XXXX wrote a letter to the CEO of XXXX XXXX concerning the matter. XXXX XXXX sent me a letter dated XX/XX/XXXX, to settle the matter at a discounted price. I purchased a money order from the USPS and sent it certified mail upon complete removal of the account. As of date, XX/XX/XXXX, inaccurate data is still reporting. TransUnion nor XXXX responding to a letter requesting the method of verification, yet still, they report UNVERIFIED inaccurate information.

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