BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-01
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I just received a text from Wells Fargo. Saying that I have a negative XXXX  balance on my account. My last posted balance did not get updated after I had made 3 deposits. When I view my transactions, the money for the pending transactions have already been taken out. I deposited a certain amount of money on the XX/XX/XXXX of XX/XX/XXXX, bringing my balance to over XXXX. Because my canoe was due to be taken on theXX/XX/XXXX ofXX/XX/XXXX which would have been XXXX. Which would've left me with a low balance. Not a negative. I had deliberately put that money in my account, because I didn't want a negative balance. I deposit what I need, in order to not go into a negative. Wells Fargo had already taken the other pending transactions out of my account before I had made the other deposits. I had tried to take a screenshot when it was updated. But the security Wells Fargo has on their site does not allow me to take a screenshot. This has happened several times before, and the exercise I was given was their system updates that way, and they can't view what I can't view. So anything I see, is what they see and that's what they go off of and can't do anything about it. Per pending transactions, money is being taken out twice. If the pending transactions have already been taken out of my balance, why keep changing the date of the pending transactions? They don't update the deposits to your current balance. I'm ready to switch Banks is this issue doesn't get solved.

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 monetary relief
Consumer complaint received 2017-12-30
Company: Experian Information Solutions Inc.
State: FL
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 sent the credit reporting agencies XXXX and EXPERIAN as well the COLLECTION AGENCY XXXX XXXX XXXX XXXX, and the alleged creditor XXXX XXXX XXXX  certified documents in refrence to an alleged debt, stating per federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standardsof practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim. per law any defiient of substantial and evident matters of facts would be unethically reported and  even illegally reported. My state and federal laws alike agree that neither willful nor ignorant disregard is acceptable so I demand here today RIGHT NOW, that the allegatuions in challenge be eradicated in full or else wise demostrated in its entirely to be compliant in every aspects of its reporting. to retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The curentlyunfounded and even not certified true or correct misinformation of such is misreporting is as follows and must be deleted immediately so please do so with delay.Alleged Reporting data Provider, Collection Agency: XXXX XXXX XXXX XXXXOriginal Creditor: XXXX XXXXNot Proven Compliant Account: XXXX** THE ORIGINAL CREDITOR XXXX XXXX HAS NOT  RESPONDED TO MY REQUEST,AND XXXX XXXX XXXX FAILED TO MEET MY REQUEST. (PLEASE SEE ATTACHMENTS) ..

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 2017-07-12
Company: JPMORGAN CHASE & CO.
State: LA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Overcharged for a purchase or transfer you did make with the card

Complaint:
On XXXX XXXX XXXX I received my social security benefits. I went to Chase bank at XXXX XXXX XXXX XXXX and tried to make a cash advance for {$1300.00} the teller got the XXXX XXXX XXXX debit card and ID and attempted to process the transaction, she said it would not go through. ONLY then did she tell me they were having computer issues. When I got back to my car I received a text from XXXX XXXX that my account was debited {$1300.00}. I went back to the bank 3-4 minutes and showed teller on my phone that the transaction did go through. They said the system would reverse the charge after midnight, it did not. On XXXX XXXX I went back to bank with a copy of statement from debit card. Bank loan officer said they realized it was their system failure stated he received email stating that, he would not give me copy of email?? On XXXX XXXX went back to bank, had gotten name of manager her initials are XXXX explained situation to her and she would not take any responsibility for error, very sarcastic I told her I was n't leaving until I had some evidence from them of problem. She would not do anything to help me and called police. When officer arrived I explained why I was distressed, I was not yelling are screaming. He asked that I would wait in my car while he talked to people in bank, when he came out he was sympathetic to my problem. He asked me to wait until XXXX if I had not received my money back he would write up a Fraud or Theft report. I 'm about to be evicted and behind in normal bills. Both the loan officer and manager of bank have flat out lied straight to my face. Today 's date XX/XX/17 this has been going since XX/XX/17. <P/>Needing help XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-12
Company: EQUIFAX, INC.
State: PA
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:
I have sent in several disputes between XX/XX/XXXX 2017 and XX/XX/XXXX 2017, requesting for XXXX XXXX and Equifax to update my Public Record Tax Lien as " Paid '' or to have it removed. I recently applied for a Mortgage, and my credit report is showing that I have an unpaid Tax Lien. The Tax Lien was paid on XX/XX/2017, a portion of my federal refund was taken by the IRS and they paid the debt to the XXXX state, I have a letter from the IRS. I contacted the XXXX XXXX XXXX and they show me as paying the tax lien, they stated they do not report " Tax Liens '' to the credit bureaus, they stated these agencies looked up my public record and obtained the information from there. I have contacted the credit bureaus again, and I faxed them and mailed the documents showing that the Tax Lien was paid, but they still are reporting it on my credit report as " Filed '' and XXXX XXXX is reporting an incorrect amount. I have attached documents for proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
It has come to my attention that XXXX XXXX XXXX has denied me of credit. I, the NATURAL PERSON, Creditor, and Applicant, am aware of the letter that was sent to me which is an adverse action pursuant to XXXX XXXX XXXX ( XXXX ) ( XXXX ). As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to XXXX XXXX XXXX ( XXXX ) making XXXX XXXX XXXX XXXX an assignee pursuant to XXXX XXXX XXXX ( XXXX ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to XXXX XXXX XXXX. Furthermore, that is an Deceptive Form identified in the XXXX pursuant to XXXX XXXX XXXX. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through. It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as XXXX states pursuant to XXXX XXXX XXXX ( XXXX ). Lastly, XXXX states " No credit card shall be issued except in response to a request or application thereof '' pursuant to XXXX XXXX XXXX. This is my request! It is shocking to me that XXXX XXXX XXXX takes pride in their ignorance of XXXX XXXX. As a result of the adverse action provided to me. I have lost confidence within the banking system

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 2022-02-14
Company: T.S. Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I disputed the debt online through credit agency. They sent a letter advising that I needed to call by XX/XX/2022. I called numerous times and I get the run around. This is not a valid debt and I am requesting verification. They are refusing to provide verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-01
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted XXXX that I would need to end my service agreement because I was in a car accident and wouldnt be able to work. At the time they agreed that they wouldnt charge me a cancellation fee, and to return the equipment. I did. The bill was gone over to me at around a {$300.00} balance, which was the final bill.They also said I was billed for months after I cancelled due to not returning the equipment, and when it was returned i would be credited. They told me someone would be calling to collect. I wrote to them on their boards plus called a million times over, to adjust what was promised. Then, all of a sudden the bill got larger then what I originally had. They said that I didnt return the equipment and had to open up an investigation. I did return the equipment, and had the drop off confirmation very early on in this whole roller coaster. So they adjusted the bill again. Then I called to pay it and the bill went up again, this time with bogus charges that they placed on my billing plan saying I was charged for things that were not a part of my plan to begin with. I have told them I am fine with paying what was promised but they have added {$300.00} in plus fees amounting to a {$550.00} in collections, when my monthly bill was up to date and only a measely {$70.00} to begin with, I have had promised phone calls back from management, and they never call. Plus the waiting time to talk has been well over an hour every time with never any notations added to the account as promised either. Which is very unprofessional to have to go over the case each and every single times with promises to resolve and its left unresolved. They promised me my account would be credited properly as well as no fee for canceling the service since I was in the hospital, and they re-nigged on the entire agreement and now their collection company is reporting to my credit causing havoc and un-allowing me to obtain financing. Its wrong and unfair to do business like this. Please help thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/17 at XXXX I attempted to make a cash deposit into Bank of America ATM in XXXX XXXX, IL. ATM stated it was not accepting cash deposits at this time. I attempted to use the drive through service but they refused to help since it was XXXX and they were closed. The teller at the XXXX XXXX, IL location told me that any fees incurred on my account due to the ATM equipment issue will be refunded and to call Bank of America to report the issue. I called Bank of America the next morning and explained the issue to XXXX XXXX ID# XXXX who informed me that it is not Bank of America's problem if their equipment isn't working and that the $XXXX in overdraft fees as a direct result of Bank of America's refusal to accept a deposit through their ATM would not be refunded.

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 monetary relief
Consumer complaint received 2022-02-14
Company: Experian Information Solutions Inc.
State: UT
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: Problem with product or service terms changing

Complaint:
I received an email supposedly from XXXX about a data breach settlement which is directing me to click on a link in the email to sign up for the free fraud protection. The problem is, I am not able to independently verify this link is okay and the link is asking for some very sensitive information that could cause a huge problem. 
Here is the link : XXXX I tried to go directly to the Experian web site to complete the sign up, but there is no way to access from there. I tried to call Experian about this, and they only give you an automated system and you can not actually talk to someone about the legitimacy of this link. 

With all the internet fraud, this is really irresponsible of Experian to force us to use a link in an email to sign up from their fraud protection. Could you get them to fix this?

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 2022-02-14
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: Account information incorrect

Complaint:
MY CHILD SUPPORT CASE HAS BEEN DISPOSED AND SHOULD BE REMOVED FROM MY REPORTS.

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 2022-02-14
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I contacted Convergent debt collection last year to notify them that this is not my account. They asked me to send a copy of my social security card and other personal identifying information that I am not comfortable sending in order for them to locate whomever debt this belongs to ( or in the case this was identity theft ). I already dealt with this issue through previous debt collection agencies as well as filed other complaints through the cfpb website regarding this same debt. Now they are sending me a letter with an amount owed in excess of XXXX dollars. I do not owe this debt and I would like them to stop contacting me.

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 2018-01-01
Company: EQUIFAX, INC.
State: GA
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:
Ive repeatedly disputed the validity of debts from XXXX for {$59.00} and XXXX XXXX for ~ {$9000.00} with all three major credit reporting agencies with only temporary success because while neither company has adequately verified the validity of the debts within the allotted 30 days, neither debt has been removed from my reports. In fact, XXXX keeps reselling the debt even though their own records show that they continued to bill me after they verified that they could not provide services to my location. XXXX XXXX debt was usury in nature. The originator refused payment of the original debt from the US Dept of Vet Affairs which intervened to prevent eviction within a month after an unplanned job loss. The originator of the debt then tripled the fees and sent the item to collection. Ive repeatedly disputed these items since XXXX 2017 but they keep reappearing after brief removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-14
Company: Experian Information Solutions Inc.
State: VA
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:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-02-15
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Please refer XXXX on XXXX XX/XX/2022. At the most I got one call that somebody from PNC will call me back. That call never happened. 
XXXX transfers are totally unreliable and out of control. I am feeling so helpless and definitely hopeless. 
My personal finances are adversely impacted due to this. This XXXX started on XXXX XX/XX/2022 ( for {$5000.00} ) but it hasnt reached destination till now. 
I tried to get it cancelled but that's not possible. 
When I am trying to get money into this account- I am facing some unique hurdles that I can only deposit {$3000.00} per day not more than that. 
Any time when I do an XXXX  transfer, I am asked at least 5 secret questions This bank is totally impossible and very difficult to work with. Customer service and Branch manager are both out of the way and of absolutely no use. 
CFPB should not just forward the email but look into this. Even if this bank is 167 years old - the basic and fundamental are totally wrong. CFPB should close the business account capabilities of PNC bank- it's not at the level where it can be used in real world. 
What is the point of having a bank where the branch manager is simply clueless and asking customers to close the account when basic banking stuff is not working.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX   XXXX . I have Attempted to verify debt. But instead they just switch it to one of the  6  or so other companies they own and have them start harassing me instead of verifying debt. Basically they keep passing it around.   I first tried to get this verified in  XXXX  of  XXXX  and I did not hear anything for a while. Again I tried to get it verified last ( 60 days  )  from an online monitoring program and have yet to receive any verification. Instead a letter threatening to sue for a debt that they have yet to verify is even mine to begin with.   Never providing verification of the debt per FTC guidelines. When I look at my credit report they also have it as a new account. I never entered into any business with them. Per the rules of the FTC if there is a debt it needs to also be reflective of the  ORIGINAL  creditor. Instead they are making up dates as they go which negatively effects my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30
Company: JPMORGAN CHASE & CO.
State: SC
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:
Involves AARP CHASE Credit Card Services. In  XXXX. I transferred my balance to another banks credit card. They, themselves initiated another account on me and allowed charges up to $ 3,000.00+,  documented credits but i had not paid anything since filing dispute after I struggled intensely making 8+ calls of which I talked to at least 5 people each time spending up to 45 minutes with only leaving voicemail with management who has yet to return 4 voicemails from me during the past 4 months. Everyone is confused and passes my problem on and on between fraud and identity departments. 
I 've talked to at least 15 different reps.and have left my last voicemail to management on Thurs. XX/XX/XXXX ; none returned. 
I now wait on them to contact me. 
However, they have reported to my Credit Reports Co., XXXX that catgorize under failure to make payments. POOR in red ink is attached. 
Again, I did not activate this card and I want to know why I owe them {$3000.00} or another time {$1800.00}, or another time XXXX, etc. There is obvious very much confusion on every ones part ... .except me!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
There are 32 collection accounts on my credit report with Equifax that I have disputed. I am not aware nor do I have a contract with these credit collection agencies. I disputed the accounts with XXXX XXXX and XXXX who removed the fraudulent accounts but Equifax verified electronically in one day the information was updated. These collectors did not validate the accounts with me nor sent any proof so what did they send Equifax besides a form checked off saying the account is mine. Equifax isn't valdiating these accounts. I disputed twice XXXX and XXXX.

Company response to consumer: Closed with explanation