BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX, during the grace period of my certificate of deposit, I spoke to XXXX at Wells Fargo bank using the telephone number provided by the bank. XXXX told me he could close my cd and transfer the funds into my savings account at Wells Fargo. I waited one week to no transfer. I called the following week and spoke to XXXX at Wells Fargo. He told me that transaction could only be possible if I went into the physical bank. The grace period for the cd ended that night. Now I am locked into a very low interest cd for another year at Wells Fargo. 

Please help, 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 2020-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 wife and I are trying to get a mortgage for a primary residence and the credit bureaus are reporting a bankruptcy on my credit report. I disputed this matter with all 3 agencies. XXXX investigated the matter and removed the item. Transunion states they investigated the same matter, stated it was accurate and will not remove it. I contacted them via phone, and they instructed me to contact the bankruptcy court. The clerk indicated that their investigation would involve matching signatures. However, that filing has an electronic signature that can not be verified to be valid. 
I then called Transunion again to explain my findings and again dispute this matter. I asked for the details of their investigation, a copy of the bankruptcy document which includes my signature according to Section 609, Fair Credit Reporting Act. They refused stating that they have no documents within their company. This was reported to them by a 3rd party and they would not reveal their identity or furnish proof. I explained that in 2017 in lived in NJ ( 2800 miles from Nevada ), I had NO debt that would justify a bankruptcy, nothing with my signature to prove the validity and this is the year in which XXXX  had a data breach. I also attached a report of 21 people found in one search name XXXX XXXX here in the US. I also offered the confirmation from XXXX who also investigated and found this to be incorrect and removed the item immediately. 
The supervisor was determined not to furnish me with proof, the 3rd partys name or consider the facts I supplied even after quoting my rights under Section 609, FCRA. It is a statistic that 1 of 5 people have an error on their report. I have the opportunity the purchase this home for my family but may lose it due to credit bureau red tape and intolerance. Please Help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
Company: Revolut Technologies Inc.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Revolut has asked for me to verify my account funds. 

I have provided documentation, but they have frozen my account while they review. They have had the account frozen for more than 3 weeks. They have provided no email address for me to send documents, so that they can perform verification, and they have provided no means for me to contact them. 

I now do not trust that they even have my money, and I want to withdraw it, and they have said that I am not allowed to withdraw my money and close my account. My next step is to file a claim with the FDIC for the return of my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-03
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This account is not reporting correctly. This was a corporate loan that did not require a personal guarantee. I have disputed this account but no one pays attention to rectifying the needed corrections. This account was paid off and not late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I've sent numerous letters to Equifax in and effort to fix my credit report. After not responding for several months and after my initial CFPB complaint have still not conducted the investigation not corrected/removed the inaccurate information from my report. This has been going on for over 120 days and I've sent most of the letters certified. Receipts were included in my CFPB complaint but apparently didn't help. To make matters worse I received a letter from Equifax ( I assume as a response to the compaint ) only addressing an account that I did not even dispute with their company and accounts I am actually disputing are still not showing as in dispute status nor have they been removed. This is extremely frustrating. What is the point of having a consumer protection bureau if they aren't protecting the consumer? Just sending my complaint to Equifax isn't working ... they're ignoring my right to dispute inaccurate information on my report and you guys are forcing them to look into it. I apologize for contacting you again but this whole ordeal has been extremely frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Grant & Webner did a reporting on my credit report without properly giving me notification of the alleged debt. The address they have on file is not my address I never received such notifications from them whatsoever. I didn't know about this alleged debt until I pulled my credit report and seen their reporting. I dispute the validity of the this debt. I paid all services they were provided to me directly with the doctor. I did not have insurance at the time, and I was a cash patient. I had to pay everything up front before any procedures were done. I contacted the doctor and they in fact said I did not have any outstanding bill. They provided me with a statement dated XX/XX/XXXX where it shows I do not owe anything. I have a XXXX balance. See attached copy of the statement. Also, the charge they have as outstanding on XX/XX/XXXX was paid that same day. See enclosed credit card statement where it shows I paid {$500.00} the same day of my procedure. This reporting is affecting my credit score and I am requesting the immediate removal of this fraudulent reporting as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
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: Information belongs to someone else

Complaint:
I HAVE HAD A CHNACE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES.IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND UNQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY 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 2020-05-26
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX Company Inquiries XXXX/XXXX  XXXX  CARD XXXX  XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX MT 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 2020-07-01
Company: Experian Information Solutions 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:
I HAVE CONTACTING XXXX, EXPERIAN AND XXXX BECAUSE THEY HAVE INCORRECT PAYMENT HISTORY ON MY CREDIT REPORT ( LATE PAYMENT ) I SPOKE TO REP AT XXXX XXXX   TO DEFER MY PAYMENTS FOR XXXX, XXXX THIS SHOULD NOT BE REPORTED AS LATE BECAUSE OF COVID 19 ( XXXX XXXX ) ACCOUNT NUMBER XXXX PAYMENT PAST DUE FOR THE MONTH OF XXXX, XXXX AND XX/XX/2020 ALSO THE BALANCE IS INCORRECT ON THIS ACCOUNT I RQUESTED FOR A PAYMENT TO BE DEFERRED BECAUSE OF THE COVID 19

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 2021-02-26
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

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 2018-07-16
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:
I was an authorized user ( NOT FINANCIALLY RESPONSIBLE ) on the following negative accounts that are illegally impacting my credit negatively : 1. XXXX XXXX XXXX on XXXX 2. XXXX XXXX  on XXXX and Equifax 3. XXXX XXXX on Equifax 4. XXXX XXXX XXXX on Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: Resurgent Capital Services L.P.
State: AZ
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:
In the crash of 2008, XXXX XXXX wrote off my credit card debt while I was in Chapter XXXX. A few months ago, I started getting letters from Resurgent Capital Services L.P., XXXX XXXX XXXX, XXXX MI XXXX. They use XXXX XXXX XXXX XXXX SC, XXXX as an address. XXXX. Resurgent " manages the above referenced account for PYOD LLC. Not only did XXXX write off the debt, but collection of the debt is time barred by Arizona 's statutes of limitation. I believe Resurgent/ PYOD is attempting to collect debt from numerous parties all over the United States , preying upon the ignorance of debtors who debt was discharged or no longer collectible. Resurgent dupes the debtor into acknowledging the debt to reinstate it by fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Simply want to remove EQUIFAX credit freeze. It was a piece of cake to remove a credit freeze I set up with XXXX XXXX and Experian but I'm caught up in " Computer XXXX ' with trying to do the same with EQUIFAX. They ask for my cell phone number ( which I never gave them XXXX but when I give them the number it comes back as not in their system. So I give them my land line and then they say THAT number is incorrect. Then they feeze my account for XXXX minutes then wash, rinse, repeat. 

I simply want to remove a voluntary credit freeze for 30 days so I can refinance my house. 

EQUIFAX seems unable to accomplish that simple task.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau in XXXX and now we are on XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX ( Original Creditor : 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 2021-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
The credit agency XXXX and transunion seem to be incorrectly reporting negative factors that consumers ( me ) have with two problems : 1 ) total of all balances on bankcard or revolving accounts is too high ; total of all balances on your open accounts is too high ; The balances on your accounts are too high compared to loan amounts ( they said the same thing in three different ways which made it look like there were three different problems and 2 ) oldest account is too recent.

I have a credit score with these companies of XXXX and XXXX respectively and an 11 % revolving credit utilization. My oldest account started in XXXX of XXXX and others in XXXX and subsequent years. I have no had a late payment except for 1 in XXXX based on an oversight. That is 1 late payment in 14 years! Why do I become a casualty of borrowing with these statistics and make a 6 figure salary? It seems like these companies are out of control. My credit score is better than significantly more than 75 % of the country, my payment record is excellent and my income is significantly higher than the median salary for the United States. I feel there is discrimination here somehow. If I was a white male would I get turned down for a simple loan for an XXXX  I can obviously well afford? 

It is bad enough they operate in absolute secrecy non-transparent to most Americans. Baseless negative marks for high credit utilization when their own credit reports describe utilization as " good '' at 11 % is a false flag to creditors not to do business. Describing oldest account as too recent must be less than 5 years ( if that much time ) instead of 14+ years as they have done me. Who is watching these companies. It would be fair to stop these credit bureaus from unfairly negatively characterizing the credit of hard working Americans. Where is the uniformity of service as Transunion should not be able to charge {$0.00} to retrieve a credit score when XXXX  provides it with the free credit report to which all Americans are entitled.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: Collection Bureau of Fort Walton Beach, Inc
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a medical collection debt validation letter requesting information about this alleged debt that is on my credit report. The letter was received by a representative of the company who's signed the return receipt on XX/XX/2020. I have not received a response but I have proof that my letter was received. By law on the Fair Credit Reporting Act, a collection agency must respond within 30 days. The collection agency has failed to respond but yet still is reporting the alleged debt on my credit report. The law states that the Collector must cease all collection activity when in violation of this law. It also states that they must remove the alleged debt for failure to validate it within the allotted Time by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: PNC Bank N.A.
State: AE
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
PNC will charge overdraft fees on transactions that are pending, even though sufficient funds were available at the time of a cash transaction is made later, saying the cash transaction is instant causing all pending items to be consider overdrafts, causing them to all have {$36.00} fees. 

For example, I had 4 pending transactions, I then made a cash overdraft transaction. 

Balance {$100.00} : Transaction 1 : {$20.00} 2 : {$15.00} 3 : {$10.00} 4 : {$10.00} The available balance is now {$45.00}. But the transactions are still pending. 

I then, overdraft as a cash-ATM for transaction for {$120.00}. 

PNC will then immediately charge an overdraft for all 4 pending transactions and consider the {$120.00} transaction as the first/immediate transactions. 

This is wrong, and consumers should not have to constantly check which items are posted and if pending. Transactions should be debited/credit in the exact order they are made, especially in cases of overdraft fees to protect consumers. 

What should happen is that I should have been charged an overdraft fee ONE TIME for the overdraft of {$120.00}. Not 5 overdraft fees because items were pending. This is also contradictory because if items are pending then my available balance should be higher and should not reflect the pending items since they are pending.

PNC is abusing their power for overdraft fees and if the CPFB continues to allow this, you they will continue to let banks profit on low income consumers and those who may be going through difficult times. This type of charging is predatory. Yes, I agreed to overdraft protection but I agree to transactions I actually overdraft. No transactions I made when I have an adequate balance. 

Please help and fix this greedy practice in banking and general and within the regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
All 6 accounts for my federal student loans with DEPT OF ED/XXXX are now closed with a {$0.00} balance as they have been refinanced with the Department of Education to DEPT OF ED/XXXX XXXX. My credit report needs to accurately reflect this updated status as of XX/XX/2020.

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 2021-11-28
Company: EQUIFAX, INC.
State: OH
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:
Looking over my credit report and notice some hard inquiries that I do not recognize and are all over 90 days old and this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX CAPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX. 
XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: Capio Partners, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I 'm disputing the following debt in the amount of {$50.00}. Capio Partners is reporting a debt on my XXXX credit file with XXXX Hospital being the original owner. I was never notified of this debt. This debt was also once deleted from my credit file and now it 's back. FCRA states a debt can be deleted and added back with out a 5 day advance notice. Also there is now way I can owe the debt. XXXX XXXX 2016 I had Florida state XXXX Please see attached proof that I had Florida state XXXX. I also never visited XXXX in XX/XX/XXXX because I was in Georgia at the time.

Company response to consumer: Closed with non-monetary relief