BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-15
Company: Nelnet, 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 information incorrect

Complaint:
I dispute XXXX XXXX XXXX account for payment history. The payment history is incorrect for XXXX XXXX XXXX account. I am requesting that this item is deleted on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Experian Report # XXXX XX/XX/18 XXXX  XXXX XXXX XXXX payment paid back in XXXX for XXXX, XXXX and XXXX payment paid. on my credit report not showing updated.

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 2022-08-09
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:
In accordance with * XXXX XXXXXXXX BANK, account # XXXX, * XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX, account # XXXX * XXXX XXXX, account # XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I use a service called XXXX to invest my money when I can. I tried to update my PNC Account number with XXXX  and they report that PNC Changed something and they can not longer perform transactions based on my requests. This was not a problem for me to set up initially with PNC. However, I want to link a new card that I received from PNC and the service is now not able to link to it. I want this service to link to my PNC Checking/Bank Card to round my money up and invest that money on my behave.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 have sent disputed documents in XXXX, XXXX and XX/XX/XXXX to all three credit burueas TransUnion, XXXX and XXXX  disputing information that is incorrectly being reported on my credit report. The account in particular is XXXX XXXX   acct # XXXX, account opened on XX/XX/XXXX and was closed and charged off in XXXX for XXXX! This account is reporting incorrectly and each month after the account has been closed still reports monthly that the account is passed due! How is this so, when it is closed and charged off since XXXX! The account per my credit report was last updated XX/XX/XXXX yet up until now XX/XX/XXXX it was reported past due and late! This is in direct violation of fcra and I am demanding that this account is removed from my credit report and all points low because of it be restored to my account!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: TRANSUNION INTERMEDIATE 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: Personal information incorrect

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 2021-07-15
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX  XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. U S DEPT OF EDXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX  XXXX XXXX Original creditor : XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX  XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX  XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have been violated by the Wells Fargo Bank of XXXX NM. And the bank keeps saying I asks for a loan advance during the taxes stimulus check in XXXX that I did it over online banking when I never do online banking at all. And I have told them in person over this matter they ignore the fact. They have slander my name my state of mind knowing I never asks for no advance loan especially over online banking. I am not login into do online banking. And too it's seems to me the time they sent me the statement was the time they closed the Wells Fargo Bank branch there in XXXX NM where I do most of my transaction at. Now they kept my child credit IRS money taxes. I needed that money for my grandchildren clothes for school to pay my rent and my car payment. It's a violation of the my state of living to survive in this pandemic issues of survivoring. In wrong upon the biggest USA XXXX  XXXX XXXX Wells Fargo Bank.

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 2019-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 wrote a letter in XX/XX/2019 to the three credit bureau XXXX, transunion and XXXX. of the items i were disputing.none of the items were verified.they did not follow protocol.

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 2021-07-15
Company: WELLS FARGO & COMPANY
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Payment from personal loan was suppose to come out of Wells Fargo checking account in the amount of XXXX. The bank refused to to issue temporary credit and several unanswered chat messages went out to the loan dept about the issue. My other bank XXXX XXXX  had issues and rejected the payment. Wells Fargo sent an unauthorized second payment. XXXX XXXX  Charged XXXX Overdraft for the unauthorized payment.

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 2020-07-30
Company: Falls Collection Service Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called to ask why the wrong amount was reported to my credit and why no one had reached out to me to try and resolve the debt or set up a payment plan. I was immediately attacked on the phone, over talked, not listened to. Then the front desk lady tried to hang up on me. These people have ruined my credit and then she was beyond rude to me. I want to sue! However, to try and keep tensions down I will try to resolve that ridiculously rude behavior here first.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: Credit Service Company, 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:
on XX/XX/XXXX XXXX XXXX Credit Service Company , Inc. ( CSC ), a debt collector reported inaccurate false information on my credit file to XXXX with several amounts {$980.00} {$600.00} {$240.00} and {$76.00} they reported inaccurate false information was on XX/XX/XXXX to XXXX  several different amounts as well ... {$960.00} {$600.00} {$75.00} and {$230.00}. Also, XXXX  on XX/XX/XXXX reported {$980.00}, {$77.00} and {$620.00}, failing to validate this debt When I request CSC to validate this debt, they refuse and instead sent illegally disclosures which is a direct violation of hippa, i never signed an authorization form for to CSC to access my medical records

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2021 I attempted to use my ATM card and was denied. I had {$500.00} in my account. Capital One informed me they migrated systems and I would not have access to my account for 48 hours. It is now XX/XX/2021 and I still have no access because they lost and closed the account. I have spoken to apporximately 10 reps who just pass my call around and disconnect me. They claim to be aware there's a problem but there's no solution date in sight. I have my paycheck on direct deposit and a number of auto pays that I can't access. No one is helping and I can't survive without my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: EQUIFAX, INC.
State: AR
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:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. DPTEDXXXX XXXX {$760.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: Experian Information Solutions 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 information incorrect

Complaint:
Upon reviewed my files, I notice a XXXX Checking and Credit Account open under my information without authorization and permission, I notice there is predatory practice by the institution to incurred a large amount of transaction in the balance of {$1600.00} and keep incurred hidden fees without my permission and acknowledgment.

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 2020-06-30
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX XXXX {$300.00} XXXX  XXXX {$110000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
i noticed some fraudulent inquiries on my credit report that i did not authorize. Please remove it from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: U.S. BANCORP
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Per the Bank Statements uploaded with this Complaint, at some point before XX/XX/XXXX, I made my last transaction in my USBank checking account. On that day, my account had a balance of {$64.00}. For the next nine months USBank levied a {$6.00} " Monthly Maintenance Fee '' against my account. On the tenth month, in XX/XX/XXXX, USBank levied a fee of {$2.00}, which brought my account balance to {$0.00}. In XX/XX/XXXX, my account balance remained {$0.00}, no maintenance fee was levied, and my account was closed and no further statements were generated. 

That is, until Five months later, on XX/XX/XXXX -- without my permission or knowledge -- USBank reopened the account for the sole purpose of levying a " monthly maintenance fee '' in the amount of {$6.00}. As it was a closed account with a zero balance, the fee brought the account negative. For the next three months, until XX/XX/XXXX, USBank compounded fees upon its fees, utilized a " reserve line '' ( I never established or authorized ), and assessed all manor of penalties against this account and compounded the benefits of its prior fraud. 

The account statements, which I only acquired recently after hours of negotiations with USBank representatives, end on XX/XX/XXXX. By that time, USBank had attempted to pay itself around {$80.00} of fees and " protection. '' Years later, I ran a credit report and discovered that USBank had " charged off '' {$170.00} in XXXX or XX/XX/XXXX. It is still unclear how USBank arrived at that number, and no representative could provide me the answer. 


There are three issues : ( 1 ) USBank reopened a closed account -- without authority or permission -- for the sole purpose of levying a maintenance fee. 
( 2 ) USBank had no contractual " right '' to levy a maitenance fee against a a {$0.00} balance account as evidenced by its failure to do so in XXXX and XX/XX/XXXX and XXXX, XXXX, and XX/XX/XXXX. Its fee in XXXX was a breach of the contract. And to the extent that USBank argues it had that contractual right to levy a maintenance fee against a {$0.00} balance account, any contractual " right '' to do so was waived by inaction. 
( 3 ) USBanks ' consumer checking account agreement states that an account will become dormant after 12 months of inactivity. My account had no activity in the twelve months leading up to XX/XX/XXXX, and likely before. USBank breached the agreement by not rendering my account dormant prior to XX/XX/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 monetary relief
Consumer complaint received 2018-02-02
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX has failed to communicate instructions on the process of the short sale and now the homeowner is at risk of losing the property. On XX/XX/XXXX, we requested that Rushmore open a file to have the property reviewed for short sale. They advised that because their system reflected an open loan modification review, that they would need to have that closed first in order to have a short sale opened since both could not be opened concurrently. I made them aware that this needed to be escalated since their was a sale date approaching on XX/XX/XXXX. On XX/XX/XXXX, I followed up with them to see if it had been completed and the representative advised that it had not but either way, we would have ample time to proceed with the short sale especially since we already had a buyer. Again, I reached out onXX/XX/XXXXand spoke with another representative who advised me to send in an authorization along with the listing agreement to their designated fax number. He advised that this would at least open up the workstation. I faxed in all documentation the same day. I understand that it takes Rushmore approximately 24-48 hours to have the information uploaded into their system so i called back on XX/XX/XXXX to confirm receipt that the fax had been received. At that time, i spoke with someone who confirmed receipt and went over what other document they would need to proceed. We gathered all the documents and faxed them out onXX/XX/XXXX. I called yesterday to confirm receipt and spoke with a Rep that they had been received but that the short sale would not be reviewed. When i asked why, he advised that the information would have had to been complete 30 days prior to the foreclosure sale date ofXX/XX/XXXX. I tried to explain to him that this is not what was being told to us and we followed the instructions of all the previous representatives that i had spoken to. He rudely advised that me being in the industry would have know this obvious guideline. I let him know that i in fact have been in the industry for quite some time and also know that it is Investor specific and that it is customary that the Servicing company advise you of such guidelines depending on the Investor. He still disregarded anything i had to say and advised that either way they were going to proceed with the sale of the property. I just cant believe the level of service from him I received and just find it unfair especially to the homeowner who fought so hard to prevent foreclosure in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Back in XX/XX/2020. I paid the balance off on my XXXX XXXX  card, the balance was {$130.00}, in XX/XX/2020 my account was charged twice for the same amount. I tried contacting XXXX that didn't work. I was unable to send a message from my online XXXX XXXX account about the error. After a few days, I filed a dispute with my bank for {$130.00}, my bank credited me {$130.00} - that amount was good until the bank completed their investigation. I was given a claims number and so on. On XX/XX/2020, my bank sent me a letter " as you requested, we have withdrawn your claim about a charge of {$130.00} on your account '' I never called or sent my bank a message asking them to cancel the claim. After I received the letter I called them to tell them. I ask for proof. I do not want that claim cancelled, and I do not want an overdraft on my account. I went to " help with my bank. gov '' they said they sent it to you, I never received an email from you. I checked my account I have with you, its not listed If you have a complaint ID, I would like to have that so we can go from there or else start with this. I want to emphasize again, I never requeste that my claim be cancelled. I did call the Office of Comptroller more than three times, telling them that something is wrong and that I never received an email from this website regarding the complaint I filed with them on 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 2020-07-30
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: Information belongs to someone else

Complaint:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: PNC Bank N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
PNC Bank allowed a merchant XXXX XXXX XXXX to withdraw money from my closed debit card. A fraud alert was placed on this card due to a dispute with this merchant. The debit card was closed in XX/XX/XXXX and the merchant was able to still withdraw money using the closed debit card in XX/XX/XXXX. This transaction wasnt authorized neither was it a revolving payment and most importantly, the debit card was closed. PNC refuse to accept responsibility for their error and credit my account accordingly. Ive filed 3 disputes with PNC but of course they have denied all 3 leaving me hanging to deal with their mistake.

Company response to consumer: Closed with explanation