BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-14
Company: EQUIFAX, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2019-12-17
Company: PNC Bank N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I applied for the new PNC card. The offer was 0% on balance transfers AND PURCHASES for 15 billing cycles. I received the envelope in the mail, and I can't say for sure, but the card was lost. I called, they sent a replacement, but said to wait until the new bill came to set up anything since they weren't sure if the Balance Transfer would actually move to the new card or if I had to set it up again. I waited until the balance reflected and attempted to set up my payments. This is a PNC credit card, I have a PNC checking account so it should be easy. (PNC can check my mobile account to show the log ins and attempts to set up payments) I missed my first payment by two days. The balance transfer rate is still reflecting 0%; however, the purchases are now showing at 16.74%. I asked that they reinstate the 0% and waive the fees, but they said that I should consider auto payments. I agree, and will set up, but since this was an error with the initial set up of the account, I think they should at least be more accommodating and just reset the 0% and waive the fees.We use PNC for our non-profit accounts also, they have always been so great to work with. When I mess up, I pay the fees, but when it's honest and just a waiting game to set up payments, they should at least think about their clients in a friendlier manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Public record information inaccurate

Complaint:
THIS COMAPANY HAS PLACE XXXX ON ALL XXXX OF THE MAJOR CREDIT BUREAUS. THEY ARE NOT COMMUICATING WITH ME AND I HAVE SENT IN ALL DOCUMENTS TO HAVE THIS REMOVED FROM MY CREDIT FILE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-09
Company: Hunt & Henriques
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I had a XXXX XXXX credit card for nearly twelve years. From XXXX until last year. I already paid the card off on time or made the minimum monthly payments. Everything was fine, up until XXXX, when my card was hacked and used with fraudulent purposes. This is when you need the most support from a company. I called them up and asked for fraud protection to cover this scam hacking attempt on my card. Instead of helping me, they would not honor their word and protect me. Instead they claimed the fraud was liable on my part, which is absolutely ridiculous. 

Not to mention a complete and total lack of loyalty after being a customer in good standing for well over a decade. Subsequently, they started to accumulate debt on top of the fraudulent debt, they raised the monthly minimum payment to an astronomical amount I could not longer afford. 

Upon calling them for assistance, they consistently were not helpful and did nothing to help me, especially during the worst pandemic in modern history no less. 

In XXXX of last year, they closed down my account errantly and discharged the debt. I then received lawsuit court papers in XXXX of this year out of the blue from a collections agency, posing as a law firm, which you will see right on their letterhead, which in and of itself is fraudulent to pose as a law firm, when in fact you are nothing more than a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Fraudulent accounts appearing on my credit report all Accounts are listed below. 
1. Us Dept Of EdXXXX {$4300.00} 2. Us Dept Of EdXXXX {$4100.00} 3. Us Dept Of Ed/XXXX {$3200.00} 4. Us Dept Of Ed/XXXX {$3000.00} 5. I XXXX XXXX XXXX {$840.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-02
Company: PNC Bank N.A.
State: PA
Product: Credit card or prepaid 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:
I contacted PNC on XX/XX/2021 and cited claims and defense which they were advised I have a year to dispute the charges. PNC contacted me by phone on XX/XX/2021 and the representative still told me I only had 60 days to dispute the charges. In my request they were reminded of the claims and defense timeframe and the law that I am covered under. However, the representative still would not accept my claim. I asked to speak to a supervisor which she said she was transferring me and it hung up. I have XXXX  year warranties for both of my residences and each claim I have paid out of pocket to fix or had to purchase new appliances. XXXX XXXX XXXX was supposed to reimburse me for paying to fix the items out of pocket and never did and will not refund me. 

Regarding Case XXXX Case XXXX Case XXXX Case XXXX Case XXXX From my correspondence : I am asserting claims and defenses for the charges that have been unresolved in the above cases, I am within the one-year deadline to do so. I am seeking protection under claims and defense and am withholding payment as per Federal Law ( 15 US Code 1666, 1666i, and 1640 ( e ) and in 12 Code of Federal Regulations 226.12 ( c ) and 226.13 ) and ask that PNC fixes my bill to reflect this information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The Natural person and consumer is the only true creditor as I can create the debt per federal law along with other laws that can easily be researched after the XXXX of the XXXX in XXXX.So when filling out a consumer credit transaction it means that I had to use my " card '' aka my XXXX XXXX XXXX aka my XXXX XXXX XXXX to extended myself credit. So how is it a benefit to me, the natural person, to pay on something I issued? u XXXX XXXX XXXX are willfully and knowingly committing fraud. This is a violation of my consumer rights because congress says the use of a credit card by a person other than the cardholder who does NOT have actual, authority for such use is unauthorized ( 15 USC 1602 ( P ) and in this case my credit card was my social security card. This is false and misleading and the integrity of this information is not accurate ( 12 CFR 1002 ( e ). Also, according to 15 usc 1681 ( e ) ( b ) - Accuracy of report- Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2021-06-09
Company: Paypal Holdings, Inc
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: WELLS FARGO & COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
During the mortgage process I was made aware that multiple accounts had been reported to my personal file that did not belong to me.I reported this information to law enforcement as well as the credit agencies furnishing the information. I have attempted to resolve these discrepancies multiple times over the past couple of years. I even voluntarily paid some of the accounts in order to stop the damage to my credit and constant harassment by collectors. I was informed by my lender to file a complaint with the consumer protection bureau. I request immediate deletion of this 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 non-monetary relief
Consumer complaint received 2023-04-25
Company: CORELOGIC 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: Personal information incorrect

Complaint:
Inaccurate information deletion request DATE : XX/XX/XXXX From : XXXX XXXX XXXX XXXX Date of Birth XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX Dear credit reporting agency , I am susceptible to identity theft. I demand to delete any inaccurate or incorrect information such as misspellings of my name other than my legal name of XXXX XXXX as shown on my passport and following items listed below. 
-Remove all other addresses other than my current address of XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX -Remove all phone numbers other than XXXX -Remove all employers as XXXX currently unemployed -Add a fraud statement to the credit bureau as I do not recognize some of the accounts showing on my credit report. 
-Freeze my credit profile and send me a pin for future use to unfreeze my credit profile. 
These inaccurate details have adversely affected my creditworthiness and hampered my chances of acquiring new credit. I will pursue a CFPB investigation if any dispute arises. 
Under the provisions of the Fair Credit Reporting Act ( FCRA ), I demand that the above items in my credit report be removed. 
Under the FCRA, You must notify me of the changes and forward me the updated copy of my credit report to the addresses, phone numbers, correct legal name, employer data, and possible identity theft referenced above. I have included a bank statement, a copy of my passport, and my social security card for validation. 


CCPA California Consumer Privacy Act Request I would like to invoke rights under the CCPA and ask what personal information is being collected about me and request a copy of the information you have collected about me, and request a deletion of all non-essential information about me as a California Resident which updated my rights on XX/XX/XXXX. Please cease sharing my information effective immediately. I also revoke all terms of use for all websites use, complicated end-user agreements, or website cookies which are designed to remove federal and state protection for me as a consumer effective immediately. 
Please process this request within 30 days in writing. 
Sincerely, XXXX XXXX XX/XX/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 2016-08-30
Company: Seterus, Inc.
State: IL
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX/XXXX/2012, I completed a deed-in-lieu of foreclosure and was discharged of the mortgage debt of the property located at XXXX, IL. I am now being contacted by the company Seterus , Inc, a debt collection agency. Seterus claims that I am in default on my loan for this property and that I owe them money. I have sent them the warranty deed in lieu of foreclosure several times to prove that I do not own this property and that the debt was discharged, but they continue to send collection notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have XXXX kids  and no income right now. I do not have any food for my child at this point. No breakfast or lunch for them. I put in a request for a hardship on XX/XX/XXXX to get my money out of an account that bank just closed down with no warning. Its a little over {$300.00} but it will get my kids the food and gas money we need til I get paid. I am a teach and dont get paid in the summer so I wouldnt bother to do this if the money wasnt very important right now. On XX/XX/XXXX they told me it can take up to 10 days to get a response. Today is 10th day and still no response even after managers many emails. This is inhumane

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
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:
I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX 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 2021-12-13
Company: Experian Information Solutions Inc.
State: MD
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2021-03-02
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
Can't get money, or use the card. I have verified several times. It is not right. Fix this please. Need the card activated. Have XXXX XXXXXXXX dollars and can't get the money.

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 2023-03-15
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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

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 2021-12-13
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:
Hello, I have spent the past few years trying to get Equifax to report accurate information on my behalf. They are still reporting fraudulent accounts and accounts that were paid and should be reporting as paid/closed when they are showing as opened. I have contacted them by phone, but I always get someone whose first language is not English and they appear to not understand me and I have difficulty understanding them. I have also asked to speak with a supervisor and I never get a call back. 

I have XXXX accounts on my credit from XXXX XXXX XXXX Account Numbers XXXX and XXXX. The accounts are fraudulent. I contacted XXXX directly and they closed and removed the accounts. However, Equifax still reports them on my credit. The accounts state they were OPENED in XX/XX/2018 and CLOSED in XXXX XXXX they are positive accounts but again they were opened in my name due to false impersonation. I advised the representative XXXX at XXXX that the accounts still appear on my Equifax- he advised me to dispute the accounts with Equifax because they already submitted for them to be removed. According to them the accounts have not been disputed by Equifax but they are telling me they have been disputed and verified. 

They are also reporting XXXX XXXX XXXX XXXX it is a positive account but it does not belong to me and it should not be on my credit if I did not apply for the account. 

XXXX XXXX This account was also opened as a result of false impersonation. The account states it was OPENED on XXXX and CLOSED XXXX. Again- I contacted the merchant about the account and it was closed on their end but Equifax has yet to remove it. 

XXXX XXXX XXXX for whatever reason Equifax is reporting the same account on my credit 2 times. I have no knowledge of the XXXX accounts or the payment status. 

Bank XXXX XXXX XXXX I never had an account with the Bank XXXX XXXX XXXX XXXX account XXXX I have medial insurance and this account is reporting on my Equifax report- XXXX doesn't even state who the collection agency is or where it was originated from. Fraudulent account XXXXXXXX XXXX XXXX XXXX  XXXX Account was opened in my name as a result of false impersonation XXXX XXXX XXXX Account opened in my name as a result of false impersonation XXXX XXXX Account opened in my name as a result of false impersonation. 

Be advised the accounts referenced in this complaint are included in my police report that has been sent to Equifax several times and they are also included on my Identity Theft Report that was filed with the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: BMW Financial Services NA, LLC
State: NY
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.

BMW Financial Services, Account # XXXX, has violated my rights.

15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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 2019-12-17
Company: CMRE Financial 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: Account status incorrect

Complaint:
I have disputed the balance reported on my credit report withe XXXX  twice. I have contacted the Collection Agency and the Client to resolve the issue. The client provided me with a  statement that validates my balance is XXXX. I also provided a detailed statement from my insurance provider that shows payment was processed. I actually owe {$83.00}, which I am more than willing to pay. However, the balance reported needs to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: Early Warning Services, LLC
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2021 I was part of a scam that targeted me as a college student. They pretended to be a professor at my school looking for a student research assistant. They told me to text them my name. They then briefly told me about the job and then asked if I could inquire about some items I would need for the job. It was a laptop, printer, and stamper. They asked if I could make a payment for them if they sent me a check. I said yes. They sent me a check for {$1800.00} and asked if I could deposit it through mobile. I sent {$1200.00} to an email address through zelle that was supposed to be for the laptop. I sent {$1200.00} to the same email address through zelle for the printer. I was suspicious about this and emailed the professor who said it was a scam.

Company response to consumer: Closed with explanation