BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-28
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 a check that I wrote to my HOA for {$25.00} was altered by the management company or some else, ( I say that because nobody at the management company will speak to me ) and it was changed to {$9000.00}. Once I saw that I immediately contacted PNC Bank and went to the branch where I signed the Fraud Affidavit and was told to stand by, they will be in touch. Not one time has PNC Bank reached out to me with resolution. I have been calling them regularly and all they keep saying is they are investigating and they have 120 days to reply. What makes this even worse is approximately XXXX weeks after the Fraud an investigator from XXXX  XXXX XXXX called me and said the check was deposited there and they flagged it as they knew it was Fraud and they never released the funds to that persons account. As recently as yesterday, XX/XX/2022 I spoke to the branch manager at PNC and no status change. Not XXXX person has stated that I am covered and I will get my money back. I need help bad!! I did nothing wrong and PNC Bank and XXXX  XXXX XXXX are punishing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
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: Information belongs to someone else

Complaint:
Account XXXX showing on my consumer report, associated with XXXX. Advised by XXXX  I have been removed from Financial 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 non-monetary relief
Consumer complaint received 2023-06-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I filed a complaint as well as a dispute to reopen modification consideration. The company and its representatives were unclear on what was needed to complete the modification and constantly told me they were not receiving documents that were sent. I received a phone call today XX/XX/2023 stating that they do not have a answer for me as of yet and have basically 2 weeks to reply to me although the sale date is before that time. I was asked if I was willing to comply with a modification and I agreed. I stated that I would pay the mortgage amount as well as a first payment down payment if approved. My issue is that during this review process the sale should be halted and postponed. Instead I'm left in limbo. I was told to call back next Friday which would be XX/XX/2023 to see if there is a possible resolution. I asked for written correspondence and again asked SPS to expedite this. I feel like they are pushing this to the very last moment so I have no options. I would like the company to just let me modify the loan so i can get on track and keep my families home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: MD
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: Investigation took more than 30 days

Complaint:
On XXXX XXXX, 2022, I sent letters to the consumer reporting agency to notify them about the inaccurate information on my consumer report. I even attached a copy of my driver 's license. I am in distress and this matter has affected me from getting access to different forms of credit which I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

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 2023-05-11
Company: Experian Information Solutions Inc.
State: OH
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:
Dear Consumer Financial Protection Bureau, I am writing to request your assistance in deleting fraudulent accounts from my credit report. After reviewing my credit reports from the three major bureaus ( Experian, XXXX, and XXXX ), I noticed the presence of three fraudulent accounts which have severely impacted my credit score. 

The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reason to believe that these accounts were opened fraudulently without my knowledge or consent. I have never had a credit card with XXXX XXXX or XXXX XXXX XXXX Bank, and I have never authorized anyone else to open accounts on my behalf. 

I firmly believe that I am a victim of identity theft, as I have always exercised utmost caution in safeguarding my personal information. However, despite my best efforts, I have fallen victim to this sophisticated scheme. The perpetrators have evidently manipulated and altered my personal information to create these fraudulent accounts, which is why I had not noticed them until now. 

As a result, my credit score has been negatively impacted, and I have been denied credit and other financial services. This has caused significant stress and hardship in my life. 

I am aware that under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or fraudulent information on my credit report. I am also aware that the FCRA requires credit reporting agencies to investigate and correct any errors or inaccuracies within 30 days of receiving a dispute. 

Therefore, I respectfully request that the Consumer Financial Protection Bureau investigate these fraudulent accounts and require the credit reporting agencies to delete them from my credit report. I also request that you take any necessary legal action against the individuals or entities responsible for opening these accounts fraudulently. 

I appreciate your attention to this matter and look forward to hearing from you soon. Please do not hesitate to contact me if you require any further information or documentation. 

Sincerely, 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 2022-04-18
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  Accounts # XXXX # XXXX # XXXX # XXXX # XXXX, have 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( accts XXXX & XXXX ) has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Bank of America filed my neighbor 's mortgage against my property ( they input the wrong legal description ). 
I am now unable to sell my home because the title is not clear. We have been trying to clear this up since XXXX ( 3 months ago ). My neighbor has contacted the bank on numerous occasions. The realtor has contacted the bank numerous times. We have had a lawyer contact them. BOA claims that they are taking care of this, but we are not seeing any response. 
I already had one set of homebuyers back out on purchasing the house because of this and am about to lose a 2nd set of home buyers.

Please help!!!!!

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 2023-06-23
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX I contacted Wells Fargo regarding some unauthorized transactions on my account. The gentlemen that helped me with the dispute informed me that we could only go as far back at XX/XX/XXXX. So I went through my bank statements and found 37 transactions that I never authorized. Most of those transactions were from one merchant. They told me to allow 10 days to investigate. I contacted them on XX/XX/XXXX to check the status and they informed me that it has been closed because they didnt see any unauthorized transactions and that I couldnt appeal it. I wouldnt dispute any transaction that I authorized. The transactions are the 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 2019-01-31
Company: Monterey Financial Services LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have discovered a derogatory mark on my credit about a year ago that did not seem familiar. After doing research I found out that the entry was related to a bail bonds company. At this time they provided me with information about an old roommate of mine who I have zero contact with apparently submitted my name as a backup contact and provided materials he collected from my initial application process when i moved in a few years before this. 

I have made several attempts to clear this from my report as I have not ever gave permission to this person to use my information and should not be liable for this persons debt. I have asked on a few occasions for them to provide me with proof of my information being submitted. They informed me that someone must have came into their offices and provided identification. This would be impossible and I would like to have some hard proof that this occurred. They said they would provide this information but still to this day will not remove the account from my credit or provide any further information. 

I am not sure what else can be done to resolve this. I do not want to pay for a debt that is not mine and clearly the result of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: Paypal Holdings, Inc
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I bought some digital goods from a seller on XXXX. The seller sent me invoice via Paypal and I paid it. After 7 months one of the digital items I bought from the transaction was removed from my account. I contacted the seller via his paypal email and his XXXX account but there was no response. I contacted Paypal and my credit card to dispute the transaction but they told me they can not do anything after 6 months. This is how a scammer can get away with it and the buyer has no protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: World Acceptance Corporation
State: MO
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:
World Finance is reporting my acct twice i have the message to prove its inaccurate also on my XXXX they reporting twice, under world finance which is reporting negative twice this is the message from the company on why responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response VIA CFPB PORTAL XX/XX/XXXX Re : World Acceptance Corporation of Missouri ( World ) Consumer : XXXX XXXX XXXX CFPB ID : XXXX Dear Sir or Madam : This letter is in response to the above-referenced complaint filed with your office on XX/XX/XXXX. XXXX XXXX obtained his account from Worlds Branch XXXX in XXXX, MO on XX/XX/XXXX, in the amount of {$310.00} and agreed to repay it in ( 6 ) monthly installments of {$52.00} beginning XX/XX/XXXX. The account was assigned as account number XXXX. No payments were received on the account, and it was charged off on XX/XX/XXXX. The account was then internally transferred to XXXX XXXX in XXXX XXXX, MO on XX/XX/XXXX, and assigned account number XXXX. On XX/XX/XXXX, World sold the account to XXXX XXXX XXXX, XXXX. XXXX XXXX was notified of this sale and the contact information for all future communications regarding the account. XXXX found an inaccuracy in the information XXXX was reporting for XXXX XXXX account number XXXX. A change request was made to XXXX to update the account to remove any references to bankruptcy as XXXX XXXX account was not in a bankruptcy status during the time it was owned by World. As World is no longer the owner of the account, all communications regarding this account should be directed to : Customer Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Sincerely, World Acceptance Corporation Compliance Department

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX Acct XXXX -Threaten to sue -False name / contact info -Claim they are attorney or represented -Gave false information about me -Threaten to tell anyone about my debt -Continued contact after requesting in writing to stop contact - Have been told I owe more than I do. 
- Called my work after I told not to contact place of employment

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 2023-06-27
Company: EQUIFAX, INC.
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 status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The List account attached has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

15USC 1681 Section 602 A States I have the Right to privacy.

15 USC 1681 Section 604 A Section 2. It also states consumer reporting agency can not furnish a account with my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Harassment. Threatening to go to my job, calling over and over in short periods if time. Will not contact me by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as
soon as possible.

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 2023-05-21
Company: Amsher Collection Services, 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: Personal information incorrect

Complaint:
I do not own this account I didnt live at that address the last address I lived was in XXXX Texas XXXX am now living in my car since XX/XX/2022 please remove this false information from XXXX XXXX as ai have 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 2022-12-05
Company: EQUIFAX, INC.
State: MI
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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
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:
I HAVE CONTACTED EXPERIAN LAST DAY XX/XX/XXXX MY REPORT UPDATES TO ACCOUNT UPDATED ACCORDING TO Sec. 623. Responsibilities of furnishers of information to consumer reporting agencies This section of the FCRA was amended by 602 of the Economic Growth, Regulatory Relief, and Consumer Protection Act ( P. Law 115-174 ) effective XX/XX/XXXX XXXX upon enactment ). 

ALL INFO MUST BE ACCURATE IF NOT REMOVED OR COMPENSATION SHOULD BE SEEKED THIS IS MY LAST EMAIL TO THEM BEFORE I SEW THEM FOR IGNORING MY 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 explanation
Consumer complaint received 2022-12-28
Company: SANTANDER HOLDINGS USA, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I paid a " contractor '' {$250.00} to repair my drywall & shower leaking. He started the work & then never came back. He did a terrible job on the drywall repair, which I had to re-do myself. He also was supposed to replace my shower cartridge. He did not know what he was doing & destroyed my shower cartridge. He refuses to answer my phone calls & messages & also ignores my text messages. Santander bank ( the bank I got the XXXX from ), will not reimburse me the {$250.00}!!! 
I tried calling contractor several times & left several messages & text messages, he refuses to answer. His name is XXXX XXXX & his cell is XXXX. 

I called the bank 2 times & they said it was between me & the contractor. I used the XXXX connected to my checking account, however I did NOT do a debit, I did a charge transaction. 
Santander bank refuses to reimburse me the {$250.00} This is fraud & the bank should stand behind their credit cards, like all good financial institions do!!!

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