BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-30
Company: WELLS FARGO & COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was contacted my a XXXX agent in the beginning of XX/XX/2022 stating that my personal information had been stolen and used to open countless credit cards. with charges racked up on XXXX ( was contacted by them too ). I have a Federal Trade Commission agent and number that was giving to me. I wasnt sure if it was authenthic or fraudulent also. I was then contacted again mid XXXX 2022 about more credit cards being found in my name at the border of XXXX and Texas.

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: PNC Bank N.A.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Confusing or missing disclosures

Complaint:
My father passed away and left me with XXXX XXXX. His bank initiated a wire transfer on XX/XX/21 and funds were deposited into my PNC account on XX/XX/21. The XXXX  to dollar exchange rate in those 3 days ranged between XXXX and XXXX. PNC applied an exchange rate of XXXX, basically 'skimming ' more than {$3000.00} from the amount deposited into my account. Prior to executing this transaction I had researched PNC ACCOUNT AGREEMENT FOR PERSONAL CHECKING ( see attachment ), PNC Performance Select Features and Fees ( see attachment ), and PNC Foreign Currency Services for Travel ( XXXX XXXX XXXX ) : there is no mentioning of a foreign currency 4 % mark-up ( or in this case mark-down ) on international wires. 
This egregious lack of transaction transparency on PNC side runs against UDAAP principles and results in customer harm : if the foreign currency mark-up had been properly disclosed I would have chosen another institution to deposit those funds. I have taken the time to call PNC Executive Client Relations team several times to get to the bottom of this, but so far they have not provided any answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
Equifax was made aware that they were violating 15USC A 1681 2A ( i ) & 15 USC 1681b ( 2 ) with previous affidavits. After further investigation, I as the consumer discovered there are 90 Inquiries still appearing on my report from XX/XX/XXXX to XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Hello, Basically I have two credit cards I got while in XXXX XXXX in order to pay for a living, and I recently just graduated from college and both credit cards are maxed out and no matter how many payments I make the principal never goes down. Now, I assume Capital One and XXXX borrowed the {$4500.00} ish from the federal reserve at about 2 % interest, well I pay well over 20 % interest every month. I honestly have no clue what goods or services I even bought using my credit cards, but most of the money I spend goes right back into Capital One and XXXX. If my interest rate was capped at 10 % I think I would be able to pay them off. 

I also signed up for these cards before I was legally allowed to buy alcohol. So the government knows a XXXX year old is too irresponsible to not XXXX and XXXX. However, an XXXX year old is responsible enough to sign up for a credit card with 20+ % interest in order to " build credit. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Synovus Bank
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 XXXX # XXXX, has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the rights 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 response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: EQUIFAX, 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: Account status incorrect

Complaint:
The XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting on my credit report and showing balances. I have disputed the information several times with Equifax due to both of these items were included in my bankruptcy. Equifax has yet to update and validating the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: EQUIFAX, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
I am a consumer by law & my information was misused and now I have false & 100 % inaccurate accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
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:
As a consumer I made Equifax aware of violations on my credit report involving XXXX XXXX, XXXX XX/XX/XXXXXXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX, and XX/XX/XXXX. While the accounts and inquiries were deleted, the violations owed pursuant of 15 U.S. Code 1681n and 1681o were not mailed to me. Affidavits with instructions were sent with instructions on 3 occasions by certified mail. The amount owed for these violations is {$14000.00}. 

XX/XX/XXXX advised that XXXX XXXX XXXX XXXX was not currently reporting on the XX/XX/XXXX credit file, but in the same document shows that they were reporting as of XX/XX/2020. They also still have XXXX XXXXXX/XX/XXXX XXXX XXXX listed when they were to remove that account as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
XXXX and Transunion are reporting incorrectly where I am shown as an authorized user on the XXXX XXXX XXXX   partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue, however I have not been successful.

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 2022-08-30
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I received an alert that my credit score had dropped XXXX points. When I logged into the Experian system, there was no explanation for the drop. There was a text box that simply stated that the score can change with updated information and their attempt at creating a chat bot ( just an interactive Q & A flowchart ) was completely useless in getting the requested information. 

The dashboard shows no new inquiries, all revolving credit at {$0.00}, and automatic student loan payments normal.

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 2017-06-20
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I can not access my account details through PNC 'S website, it has not been able to be accessed for several hours. This can not be legal for them to be able to not let us access our account.They should be fined and investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX  Acct XXXX is in violation of my privacy rights 15 USC 1681 section 602 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 a account without written instructions 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan a late payment for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
To whom it may concern, I was checking my credit report and I noticed an unauthorized and inaccurate account. This account was not authorized neither through verbal nor written consent to be reported on my personal credit report. Furthermore, this account has blatant inaccuracies that is harming my well-being as a consumer. I have never applied nor authorized or knowingly shared my sensitive personal information with XXXX financial institution. I currently have XXXX commercial vehicle for an employee. I have no access to this company vehicle. I am currently seeking a personal vehicle for my transportation needs. XXXX 's negligence is harming my nearly perfect credit score. I am currently trying to obtain the vehicle I desperately need and deserve as a good consumer. I also am incurring several transportation costs with XXXX and hitching rides. This is harming my productivity. I care deeply about my credit. I have spoken with XXXX the consumer reporting agency who states that there was never an authorization nor written consent given. However, my sensitive personal information is being reported on my personal consumer report against my authorization. In accordance to the fair credit reporting act, 15 U.S. Code 1681b which goes over " Permissible purposes of consumer reports '' sub section a ) states : that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I did not provide written nor verbal consent and demand that this account be removed or that I receive restitution up to {$1000.00} as stated under the FCRA for the serious consumer damage I am going through. This account is affecting my debt to income and preventing me from qualifying for future purchases as a consumer. I do not have a personal vehicle. This account is being inaccurately and reported without permission.

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 2018-10-14
Company: EQUIFAX, INC.
State: NV
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:
On XX/XX/XXXX my credit report ( see attached ) there is an incorrect address on my Equifax profile listed as follows : Wrong Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX -This item must be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: SYNCHRONY FINANCIAL
State: IN
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 mailed a letter to SYNCB/ XXXX  on  XXXX   XXXX ,  2017  about an unauthorized inquiry on my  XXXX  credit report from their company. I suspect this is fraud. I asked them to remove the inquiry in addition to forward any documents that showed an application of credit from them.     The company sent a letter back, dated  XXXX   XXXX ,  2017 , saying the inquiry was as a result of a paperless application, which I did not do. They failed to send any documents to support their claim.     I requested the inquiry to be removed from my credit report an they failed to do so.

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 2018-12-05
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is regarding said debt for XXXX XXXX XXXX. Under the FDCPA, I have the right to request validation of the debt you say I owe you. Under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. I have never received any notice to validate this said debt.

Under the Fair Debt Collection Practices Act, I have the right to request this account be removed from your files as this debt has not been validated due to your company XXXX XXXX XXXX failing to provide notice to validate. Your firm could face severe consequences for pursing this account any further.

Im sure you know, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. Please stop all collection activity with me, except to let me know this matter is now closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
To whom it may concern, I was checking my credit report and I noticed an unauthorized and inaccurate account. This account was not authorized neither through verbal nor written consent to be reported on my personal credit report. Furthermore, this account has blatant inaccuracies that is harming my well-being as a consumer. I have never applied nor authorized or knowingly shared my sensitive personal information with XXXX financial institution. I currently have XXXX commercial vehicle for an employee. I have no access to this company vehicle. I am currently seeking a personal vehicle for my transportation needs. XXXX 's negligence is harming my nearly perfect credit score. I am currently trying to obtain the vehicle I desperately need and deserve as a good consumer. I also am incurring several transportation costs with XXXX and hitching rides. This is harming my productivity. I care deeply about my credit. I have spoken with XXXX the consumer reporting agency who states that there was never an authorization nor written consent given. However, my sensitive personal information is being reported on my personal consumer report against my authorization. In accordance to the fair credit reporting act, 15 U.S. Code 1681b which goes over " Permissible purposes of consumer reports '' sub section a ) states : that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I did not provide written nor verbal consent and demand that this account be removed or that I receive restitution up to {$1000.00} as stated under the FCRA for the serious consumer damage I am going through. This account is affecting my debt to income and preventing me from qualifying for future purchases as a consumer. I do not have a personal vehicle. This account is being inaccurately and reported without permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18
Company: PMAB,LLC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I went to the XXXX XXXX in XXXX, TX on XXXX occasions ( XXXX & XXXX 2015 XXXX to receive a set of immunizations. I have been billed and turned over to collections for a charge of {$180.00} that XXXX say that I owe. XXXX has a contract with XXXX, my insurance provider. XXXX has supplied the attached letter to XXXX and I have to the collection agency ( PMAB ) as well. Neither business will honor the letter and are continuing to call and harass me for payment. I have been battling with this issue since XXXX 2015 with no resolution. XXXX is extremely difficult to get in touch with. I had XXXX phone call from the XXXX billing office in XXXX 2015 and it took me leaving an angry voice mail for the billing office to call me back. The lady I spoke with was very rude and had no intention of working out the situation with me. She just kept telling me that I owed the money. 
I have finally gotten a dedicated XXXX supervisor working with me to resolve the situation. She has spoken with XXXX once and they have basically lied to her and told her I was informed that the immunization in question was not covered by my insurance and that I agreed to self-pay. The immunization in question is covered by XXXX, but not the " version '' of the shot they administered to me. They did not tell me that I would have to self-pay, and had they informed me that the immunization was {$180.00}, I would have left without it. No one in their right mind would pay {$180.00} for an immunization! In addition, this is a walk-in clinic and had they wanted me to self-pay, they would have had me pay up front, which they did not. They never mentioned any of this to me. I was not billed until after I returned a second time in early XXXX for the second round of the immunization. It has now been 6 and a half months and yesterday I received an email from XXXX saying that I owe {$380.00}. I believe that they are now charging me more because I have individuals calling on my behalf and they are angry so they have decided to bill me {$180.00} for the additional immunization booster. On top of all of this, I have failed to be fully immunized as I am not going to go back for my third and final round of the immunization because of their deceptive business practices. 
This business has deceptive business practices that I believe is unethical to the client. I do feel that my rights as a patient and a customer have been violated. I have a spotless credit rating and they are bound and determined to keep me in collections and place this against my credit. The collection agency ( PMAB ) who I have have spoken with on many occasions and sent them documentation does not care what XXXX says, they only " work '' for XXXX and will only listen to what they say. I desperately need some help to resolve this issue and hope that you can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Fay servicing took over from XXXX XXXX  on XX/XX/XXXX and their first mortgage statement and subsequent statements have been substantially in error from the beginning. In XXXX of XXXX we were granted a COVID Forbearance by XXXX XXXX due to unemployment. Despite this forbearance we brought the loan current in XX/XX/XXXX although unemployment continued. We were informed by XXXX that COVID forbearance was granted for 180 days with an opportunity to extended another 180 days if necessary. However, when an extension was requested and unemployment support documents on XX/XX/XXXX were submitted that request was ignored. On XX/XX/XXXX, XXXX requested a fresh " wet ink signature '' from XXXX XXXX. It was immediately submitted. On XX/XX/XXXX additional documentation including bank statements and unemployment award letter were submitted. We stated at that time that we had 2 payments in savings and new income lined up. On XX/XX/XXXX we received a welcome letter from Fay Servicing. We immediately made contact with Fay customer service and explained that we were in Forbearance and expected to begin regular payments on XX/XX/XXXX and needed to have a repayment plan for the Forbearance arrears amount. On XX/XX/XXXX we submitted a borrower assistance form and pointed out that the Fay monthly payments and arrears amount on their statements is in error. On XX/XX/XXXX We filed an appeal after receiving an offer of Deed in Lieu of Foreclosure rather than a repayment plan. 

The following is a copy of the appeal to Fay Servicing on XX/XX/XXXX which captures the essence of our complaint : 1. The monthly payment amount listed in our Fay account after transfer from XXXX is significantly in error. The stated payment amount in the Fay account is {$7600.00}, which ties to no aspect of our original mortgage note or any modification since, with a past due amount of {$91000.00} while the actual billing amount from XXXX has been {$4300.00} which would make the arrears amount {$51000.00}. I have previously sent copies of the XXXX statement to XXXX XXXX and asked that this mistake be corrected. We do have the asset base and income to service a payment of {$4300.00} plus an additional amount if the loan were modified or a repayment plan established. However, if underwriters used {$7600.00} as the monthly payment amount they yielded a decision about forbearance repayment based on erroneous information to begin with. Nobody at Faye has been able to state where their billing amount comes from.

2. No opportunity to cure the loan has been given since the COVID Forbearance period ended. Payments have been offered by us at the correct {$4300.00} amount. However Fay has refused payments because their system shows the incorrect amount due. A reasonable opportunity to cure the loan after COVID forbearance with accurate payment information is a legal requirement.

Company response to consumer: Closed with explanation