BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-01
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: Their investigation did not fix an error on your report

Complaint:
Because of the XXXX  credit breach back in XXXX  I had over 43 XXXX  XXXX credit cards put into my name I called the company and they said yes because of the breach they would wipe everything out but when I tried to dispute all of them on my credit report it took me over 3 years to get most of them off there are still 6 on there and they will not take them off my credit score has gone down significantly and it was not my fault I have been dealing with this over three years and it has been a struggle

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 2020-08-21
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX SSN : XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 
Item # 1 : I dispute Credit Collection Service., Reported balance {$270.00}, this account is not mines. This company has not sent me any notification of debt. By FTC Law I have to be notified of debt and given 30 days to dispute. This company has broken law and this account needs to be deleted ASAP.

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, 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 2018-05-25
Company: PNC Bank N.A.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was charged XXXX XXXX dollars eleven times for items PNC Bank didn't pay. When I set up my business checking account, I told the representative that I didn't want overdraft protection. I was credited back seven of the charges and was told I can't get the rest refunded back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
XXXX has automatically enrolled my card to " protection '' that charges XXXX dollars a month. I never signed up for this protection. After research o came across many people having this issue. Apparently XXXX is automatically signing you up for a protection. I came across it as I asked my self why my bill has not lowered that's when I noticed the fee. I've payed more for that " protection '' than what I actually owed. XXXX dollars. Since XX/XX/2009 I never actually checked because I trusted to just be paying the minimum. I called the card protection and cancelled, but XXXX   should not be doing that, they should be giving the money back at least a percentage of it.

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 2018-07-09
Company: Experian Information Solutions Inc.
State: AZ
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 am a victim of identity theft. The following credit inquiries listed on my Experian credit report are fraudulent, unauthorized and not mine : XXXX XXXX XXXX Bank, XX/XX/2018, XXXX XXXX XXXX XXXX, XXXX Card, XX/XX/2018, XXXX XXXX Bank Texas, XX/XX/2018, XXXX Card, XX/XX/2018.

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 2019-05-28
Company: Convergent Resources, Inc.
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX is my landline number they keep calling for XXXX XXXX, have repeatedly told them no XXXX XXXX lives here .They keep calling I have begged, yelled,, asked nicely for them to stop calling they dont please help they have been calling over a year I think

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 2018-05-25
Company: Stuart-Lippman and Associates, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2014 a collection for {$12000.00} was placed on my credit reports from an unknown collection company. I have no contract and not indebted or owe Stuart Lippmann anything. I had not signed or renewed a lease with the original creditor for many years. This debt was placed fraudulently on my credit report and it needs to be deleted off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 was the victim of identity theft. Someone in Florida took out a credit card in my name that shows up on my credit report. I have never lived in Florida and thought this was resolved with the financial bank in Florida but it is still showing up on my credit report. I don't know what I have to do to have it removed. 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 explanation
Consumer complaint received 2017-08-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hard inquires were made without my consent. I called and sent letters to various companies and they told me that they were a third party company who made inquires on behalf of the original company. I asked them to prove validation, but no response.

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 2018-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX has not reported my payments since XX/XX/2017 and I pay every month on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/2020 submitted via online application request for new checking and saving account. After submitting the application, I received notification of pending account application. On the morning of XX/XX/2020 contacted the new account representative and representative informed me that i have been pre-approved and would receive email with new account information and providing information on setting up online banking. Some XXXX hours after this call, I received notification of application decline. I am of belief and suspicion that the decline results from my enrollment in a promotional offer of {$600.00} and the bank is acting in an unscrupulous manner as to the application for new account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I reached out twice to Transunion regarding a deragatory item on my credit report for XXXX XXXX XXXX. The item does not show on any other credit reporting agencies due to the age of the debt. They stated that they handle reporting differently and it will be remove XX/XX/XXXX of this year. I'm concerned as my employer now performs credit checks.

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 2015-06-09
Company: JPMORGAN CHASE & CO.
State: MN
Product: Credit card
Issue: Billing disputes

Complaint:
I asked for the exact payoff on my account so I could completely close the account I paid the account in full and have recently got a bill from them I will not pay anything else on this matter because it is closed and was paid in full!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-25
Company: CORELOGIC INC
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: Public record information inaccurate

Complaint:
A public record pertaining to a bankruptcy filing is listed on my report. This record is inaccurate Inreached out to the XXXX XXXX of Georgia and they explained to me they did not verify this information with your agency. It is violating my rights as a consumer.

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 2020-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 contacted TransUnion on XXXX XX/XX/XXXX after review of their response to my 2nd CFPB complaint. I spoke with a female representative with an accent who transferred me to the fraud department. Once connected to the fraud department, I spoke with a male representative who could not explain why my credit score on my account maintained by TransUnion dropped significantly, 65 points ( as reported by XXXX XXXX ), in XX/XX/XXXX. He viewed the account and could not find any recent adverse changes on my account, last action was the removal of a collection account. Absolutely, no credit inquiries were noted as the last inquiries were in XXXX. I asked that he transfer me to a supervisor. I was then connected to XXXX, she was also unable to explain the drop in my score as there were no adverse changes to my credit profile. She attempted to connect me to a representative above her, but was unable to so instead she offered to have a representative call me back. I have not obtained a callback as of today ( XXXX XX/XX/XXXX ). I am going to move forward with contacting the Federal Trade Commission and if no resolve is reached after this complaint. If I am unable to obtain correction of my score after filing a complaint with the FTC against the CFPB and TransUnion, my next step will be to file a lawsuit to address this matter since the CFPB and FTC would have failed to assist with sufficiently resolving this matter. I spoke with TransUnion representatives and they were unable to ascertain what specific adverse activity caused the 65 point drop in My score on or about XX/XX/XXXX. In addition the CFPB nor TransUnion are willing to properly investigate this matter to correct it or provide " specifics '' regarding what caused the 65 point drop in my credit score maintained by TransUnion. However, this unfair and inaccurate score is negatively impacting My financial profile in commerce, which violates the Fair Credit Reporting Act ( FCRA ) and thus My consumer rights. My desire is that my lawsuit becomes a class action as I am sure I am not the only consumer impacted by TransUnion credit score calculation glitches and therefore other consumers are also being adversely impact by TransUnion 's violation of the FCRA via its inaccurate credit scoring. I have opened 2 complaints prior to this complaint and both were closed WITHOUT resolution. If this complaint is closed WITHOUT proper resolution, my aforementioned steps will be carried out post haste and I will see TransUnion and the CFPB in a court of law.

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 2022-08-09
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 I made an ATM deposit to my checking account using a cashiers check for {$10000.00}, after reading the deposit agreement I was under the impression it would clear no later than 5 business days, immediately after making the deposit approximately {$200.00} was available so I assumed nothing was wrong.

The day later I attempted to use {$30.00}, the transaction was denied, so I went into the app and saw my balance was only {$10.00}, the amount they had cleared earlier was gone. 

I proceeded to call US Bank the following Monday to understand what went wrong and I was now told it would actually be 7 business days despite readily available information stating its 5 business days you have to dig a lot to find its actually 7 on occasion and it states they are to provide notice in those instances, I have paperless set on my account and I have no notice in my secure messaging inbox nor was any notice given when I made the deposit.

When I asked to speak with a manager I was transferred to a woman who claimed to be a customer service manager, the entire interaction with this woman of which I more so consider an altercation went as follows, after telling her the entire story she says " Its common to not have education about the banking system. '' clearly insinuating I have no education about the banking system and then when I informed her the last bank I dealt with was clearer about a delay of this nature she interrupted me to say " OH REALLY WHAT BANKS '' and then mockingly laughed at me, she would also constantly raise her voice at me and interrupt me, she also said my check had a " high likely hood of not clearing and being returned because its made out to a business '', I then told her I had a picture of the check right here and I see its addressed to myself she then said " oh my bad your name was cutoff '' I tell her this experience is appalling and she had been extremely unpleasant to which she says " I apologize that YOU misunderstood me '', I also asked why wouldn't it clear as she seemed to have some knowledge no one else had but she refused to state why despite this being a cashiers check made out to myself from my old bank account.

I hung and called again now totaling almost 3 hours of phone calls in one night to this bank to forward a complaint against this manager, I do have in my possession a number for this complaint.

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 2018-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and 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 2018-06-24
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: Personal information incorrect

Complaint:
Experience had my date of birth as XXXX I was born in 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 2021-07-13
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper has been charging me for PMI at {$58.00} per month. I requested PMI be removed SEVERAL times. I owe {$40000.00} and the home is valued at {$200000.00} per XXXX and comps in the area. I placed my request in writing to them XX/XX/2020 after several phone calls. I received a response that it would take about 6 weeks. Nothing happened. Again, I called and was told in 2-3 days ; nothing has happened. I am still be charged {$58.00} per month.

Please help me get a refund and get this unlawfully charged PMI cancelled. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Navy Federal made a serious error that they submitted to XXXX XXXX my name social security number, with my zip code, and phone number. This makes my identify compromised for identify theft. This is of huge concern as I have already experienced such a situation and it cost me money time, and impacted my credit in a negative manner. I had to deal with attorneys and to this date I have attorneys that I dealt with that tried to collect money from me that was not mine. I still have an address that I never lived at and it took me a long time to get corrected. This is all being done by Navy Federal Credit Union. They want to make this my problem to monitor and manage this event though this was 100 % their fault and has a chance that the black web or anyone else could harm me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
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: Account information incorrect

Complaint:
I had a mortgage loan with XXXX XXXX XXXX XXXX. It was paid in full. Its still on my credit report as not paid. I cant get it off. Loan # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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've been denied multiple times, forvmy personal loan when there is two names on one social security number. 

Federal fraud due to an clerical error & the XXXX data breach. 

This is corrupted process that XXXX XXXX & XXXX has beeen negligence since XX/XX/18 My file is not accurate. 

Personal loan ID : 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 2018-05-25
Company: AUTOMOBILE ACCEPTANCE CORPORATION
State: GA
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:
credit inquiry, unauthorized on showing on credit report XX/XX/2018, called and sent in a certified letter to ask for verifiable authorization for running my credit report. I did not authorize any type of company

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation