BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-10
Company: PNC Bank N.A.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am a joint owner of a HELOC loan with my soon to be ex-wife. Prior to our separation, my wife unilaterally, and without my knowledge and consent, put our home mortgage and HELOC loan into forbearance using the CARES Act. On XX/XX/XXXX, my wife went into a local PNC bank branch and changed the contact information associated with the HELOC loan, which removed my contact information, and changed all contact information to include only herself, for phone, email and an address located out of state. Since that time, she has unilaterally modified and continued the forbearance, and eventually agreed to a repayment plan once the forbearance period ended. I at no time was present or a participant in any of these decisions, nor was I notified by PNC that these actions occurred. 

I found out in XX/XX/XXXX after getting an alert from my credit reporting agency that my credit score had dropped nearly 100 points, that the terms of the repayment plan had not been met for the months of XXXX and XX/XX/XXXX, making my account 60 past due. I immediately paid the past due balance and notified the bank of the issue. PNC confirmed that I have never had a late or missing payment in my history of business with them and I also have no other accounts on my credit report showing any missed or late payments in my entire history. I officially disputed the missed payments through the proper PNC process and was denied. 

At no point did PNC contact me via phone, email, or traditional mail to alert me that I was my forbearance ended, that I was missing a payment or that they were trying to collect a debt. Because of the 60 day late payment reporting on my credit report, I am now unable to refinance my family home, where me and my two children live, and which I have agreed to do according to the terms of my divorce agreement. I am told by my mortgage broker that I have to wait a year until I can refinance based on this reported delinquency, which because of the terms of my divorce agreement, will require me to sell my home in the next two months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: EQUIFAX, 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 have been working with EQUIFAX since XXXX of XXXX, it is now XXXX XXXX and my identify theft concerns have still not been addressed/deleted. I have sent over my police report, my FTC report, my personal statement, full SSN card with all corners reflecting, utility bill, Photo ID & etc. I am a victim of identify theft and EQUIFAX keeps choosing to look the other way and not help me. EQUIFAX opened my dispute again XX/XX/XXXX and closed it right back up XX/XX/XXXX Confirmation number : XXXX. A proper investigation in a sense has not been conducted. My documents have all been ignored and they want me to keep sending the same files via postal mail which cost me about {$35.00} for mailing charges to expedite. I have spent over {$300.00} in the past year of mailing to them the same documents they are requesting. I am tired of going through this process and EQUIFAX wants to keep playing games with victims of identify theft. It should not take me XXXX days to get identify theft removed from my report. There are several factors including XXXX DEALER CHARGE OFF and DEPT ED /XXXX  that still shows on my report. I hope this will be my last and final dispute to CFPB. EQUIFAX is holding me back from living my life, liberty and pursuit of happiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: Experian Information Solutions Inc.
State: NJ
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:
Hello, Experian has two inaccurate addresses reported on my credit file. When contacting them they told me addresses could not be removed. they could only reach XXXX to other credit bureaus such as XXXX and XXXX to inform them that those addresses are not mine. 

These addresses do not appear on XXXX or XXXX and Experian is refusing to remove fraudulent addresses. 


Thanks, 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 2023-11-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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 writing to inform you that this company made unauthorized inquiries on my personal credit report. I have listed the name of the company below, and the dates the inquiries were made. 
EQUIFAX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX XX/XX/XXXX XXXX CREDIT REPOR XX/XX/XXXX XXXXXXXX XXXXXX/XX/XXXX EQUIFAX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CREDIT REP XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

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 2023-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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  & TRANSUNION LLC are willfully neglecting and non compliant and continues to furnish Previously Disputed account items for inaccurate inconsistent unauthorized information on my Consumer Report. 2 US DEPARTMENT OF EDUCATION accounts begin in COLLECTIONS then Falsely OPEN showing {$0.00} PAYMENT RECEIVED yet CURRENT ; PAID or PAYING as AGREED. WHICH IS INACCURATE FALSE INFORMATION. ALSO SHOWS INACCURATE INCONSISTENT BALANCES, DATES OPENED & DATES UPDATED ON SEPARATE FILES SENT VERIFIED AS ACCURATE DISPUTED ITEMS ON THE SAME DATE. XX/XX/2023 Congress STATES the OBLIGATION for 100 % ACCURACY, PRIVACY and EXCLUSIONS FROM CONSUMER 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 non-monetary relief
Consumer complaint received 2021-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
As a consumer, I now have rights that are provided to me to guard me through misinformation being disclosed on this credit report. At this moment I would like to have a previous inquiry for examination before I seek the advice of my attorney for tips on how to deal with inaccurate and unverifiable items that are ongoing to be shown as legitimate. Please don't hesitate to present me along with a copy of the agreement approved or voice chat where I allowed billing me with this account. 


XXXX XXXXXXXX

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 2023-12-05
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I am writing to address a concerning issue related to my CITIBANK business checking account, which was opened on XX/XX/2023, and subsequently closed on XX/XX/2023. Despite my disappointment with the perceived unfair decision by the bank, I am reaching out to you in hope to get this resolved. 

To provide context, on XX/XX/XXXX, I have deposited an Official Bank Check ( XXXXXXXX XXXX check ) amounting to {$30000.00}, which was provided by family member ( aunt ), an account holder with XXXX XXXX. Initially, there was no issues accessing these funds. However, complications arose when the bank denied our withdrawal request and initiated an inquiry into the matter. Despite diligently furnishing all necessary documentation and engaging in extensive email correspondence, further requests were made to review my aunt 's statements. Subsequently, my aunt visited your XXXX branch ( XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX ) in person, providing the required information. 

Regrettably, the bank 's back-office personnel concluded that the transaction constituted fraudulent activity. This led to the abrupt closure of our business account, along with the withholding of {$19000.00}. Despite our efforts, which included providing information from XXXX XXXX  's representatives and offering to involve the corporate side of XXXX  to confirm the legitimacy of the funds, we find ourselves accused of depositing a fraudulent check. 

Having patiently waited for more than XXXX months in the hope of the bank returning our remaining funds, it has become evident that there is no intention to do so. This message serves as an attempt to resolve this matter externally, since internally they have not taken any actions to resolve this issue.

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 2019-05-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
This is an official grievance against Capital One Financial Corporation situated in XXXX XXXX XXXX   XXXX XXXX, VA XXXX. This company has continuously disregarded my consumer rights under the Fair Credit Reporting Act and has resulted in me much unwanted financial AND mental distress. For starters, they're reporting a flawed & unverifiable account on my credit document and in addition an account in which I've called for substantiation of the claim and in which they have not been able to present, per the FCRA. Regardless of my goals to resolve this unpleasant nightmare for a number of months now, Capital One Financial Corporation has entirely ignored my interactions and legal submissions to delete this incorrect information from my credit document. I am well aware of the many, various other issues filed towards this company for their illegal and shady business. 
Below is the account I had Disputed earlier : XXXX XXXX XXXX XXXX XXXX, Account # XXXX, Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Account # XXXX, Date Opened XX/XX/XXXX Yet still, in some way, this company is still in business. This company 's unprofessional & negligent habits has made lots of extreme harm, not only to my ability to establish credit & good interest rates, but also to my persona as a Professional and as a person. Please help me, and the countless other consumers just like me, to put a stop to the performance of these dishonest & immoral business techniques asap. I genuinely respect your time and service in this matter and hope to hear from you very soon. I am attaching the relevant document as proof and my small claims form ready to file a court case against them should they fail to comply

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Friday, XX/XX/2021 XXXX XXXX XXXX XXXX Current Address : : XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX RE : TRANSWORLD SYSTEMS I. at ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX On Thursday, XX/XX/2021, it came to my attention that TRANSWORLD SYSTEMS I. at ( XXXX ) XXXX XXXX XXXXXXXX XXXX  XXXX XXXX ; XXXX XXXX, CA XXXX, ( XXXX ) XXXX alleges I have an unpaid debt based on information from XXXX credit agency. I called them to seek additional information on this matter. 



On Thursday, XX/XX/2021, I contacted them TRANSWORLD SYSTEMS I. at ( XXXX ) XXXX by Telephone to inquire. I called 3 times, each time I recieved a recording stating just for calling today you are elligible for a rebate of {$100.00}, please have your credit card handy This is clearly a scam and fraudulent claim on my credit report. I am demanding this be removed from my credit report immediately. 



Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: BAM Management US Holdings Inc.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have an account with Binance.US. I had successfully made a couple of wire transfers to fund my account. The bank that they used was XXXX XXXX. I attempted to do another wire transfer on XX/XX/2021. However, unbeknownst to me, they changed the bank that they are using to accept wire transfers to XXXX XXXX. As a result, the money did not reach my Binance.US account. It also did not get returned to my originating bank which makes me believe that while they XXXX no longer be using that particular account to fund Binance.US accounts, they still have that account open. However, no one seems to know where my money is that I wired. I have been in contact with the company for nearly two months trying to find out where my money is and to get it returned to me. A representative of the company has claimed several times that they have located the transfer and that they will be refunding the money to my original account. However, the money never shows up back in my account. At this point it seems like they are simply holding my money with no intention of returning it which seems like theft in my opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: Experian Information Solutions Inc.
State: CA
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:
On XX/XX/2017, Experian added a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold, and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, Experian has violated my right as a consumer and I am requesting legal action to remove this account immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14
Company: PNC Bank N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2019, I opened a Performance Select Checking account with a promotion for {$300.00} after meeting certain qualifications. The terms of the promotion include making a direct deposit {$5000.00} within 60 days as well as 10 debit card transactions within 60 days. I can confirm that I completed these transactions within the 60 day time from of account opening. The direct deposit of {$5000.00} was completed on XX/XX/19 as XXXX  funds, which are funds from an outside agency that pays me. After speaking with PNC, they do not know why the bonus has not been posted and can not give a clear answer. I spoke with multiple representatives and the service and responses were non existent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
Company: Mr. Cooper Group Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To date Mr. Cooper continues to misapply payments and will not correct their errors. The account continues to be monkeyed with and is subject to several " Oops '' from Mr. Cooper. I have a folder with over 100 errors that are in banking violation. 

I have tried getting them to fix things and I keep getting the runaround. This should not be happening with a financial institution. 

I am incurring additional interest and damages because of these " ERRORS ''. Any additional funds that are showing on the account were designated to be applied to principal. These " UNAPPLIED '' errors are dating back to XXXX. 

Creative accounting and fluctuating practices, escrow supposedly increased with the XX/XX/XXXX payment, that entire area is in violation evidenced by how they applied the payments and reported them..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am a victim of identity theft and I have been trying to dispute accounts that are fraudulent. The disputes are not being processed correctly according to the FCRA and I am not getting copies of the verification process That I am requesting. The FTC report I filed is not being attached to my disputes.

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 2023-12-10
Company: GOLDMAN SACHS BANK USA
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello Today is XX/XX/23 and this IS NOT A DUPLICATE. This is a complaint regarding Apple Card and their reporting on my XXXX credit report as there is yet another inaccurate reporting that has cause me hardship. I submitted a complaint before to no avail and now I am asking the CFPB to step and and hold GS-Apple Card accountable for their failure to accurately report information on a consumers report per 15 USC 1681a . This is the second time my score has decreased by more than 70 points. This is not only causing me stress but the inaccuracies are affecting my dealings in commerce. Lastly its my understanding that GS Apple Card has an arbitration agreement and that agreement was not followed during the closing of the accounts. Lastly I XXXX XXXX am technically an investor with Apple Card as I am that my application, transactions, and other deposits of this account was being utilized with benefit to me the beneficiary XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates the collection of consumers ' credit information and access to their credit reports. It was passed in 1970 to address the fairness, accuracy, and privacy of the personal information contained in the files of credit reporting agencies.

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 2021-12-10
Company: Paypal Holdings, Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XXXX, I got an e-mail from PayPal that I would no longer be able to do business with them and that my account would be " Permanently Limited '' - this means no payments can be made or received through their service. I have been a customer since 2006 and have monthly transactions ( mostly paying for goods and services ). I called their support line within an hour of this e-mail and was read a script that told me my account was limited and to seek out other payment services. They said I would be updated on what happened, but in the meantime I am unable to remove my credit card information or bank details from their system- if I had a balanced stored, it would be unable to be withdrawn for 180 days ( I did not have a balance, luckily ). I work for XXXX XXXX XXXX ( ie. XXXX ) so I'm rather familiar with the Dodd-Frank act , and freezing an account for 180 days without providing immediate ( or at least within a reasonable timeframe, for a service used daily by many people ) means for resolution seems to be a UDAAP issue. While I'm not heavily impacted, I do know many others have been in the past and this seems like something that might need to be addressed.

Company response to consumer: Closed with explanation