BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-21
Company: OPTUM BANK, INC.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My previous HSA account holder, XXXX XXXX sent my account balance to Optum Bank for a trustee to trustee transfer. The check was for {$48000.00} and XXXX XXXX showed the check as being cashed on XX/XX/XXXX. However, Optum Bank has not credited my account with the balance as of XX/XX/XXXX and has been unable to locate the funds. I've reached out to their customer service multiple times and had cases opened and closed with no resolution. Representatives have refused to escalate my case to a manager to help, and have promised managers would call me back but they never have. My money is missing to this point.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Yesterday I went to the XXXX dealership and test drove a car. I'm really thinking about getting a new vehicle. I went home and checked my credit report just to make sure my score was in the clear. While doing so I noticed a couple of items on my credit report that are not mine. I need these items deleted from my report. I've contacted the FTC and my local police. I'm working on this all on my own. Chapter XXXX Bankruptcy, Chapter XXXX Bankruptcy, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX-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 non-monetary relief
Consumer complaint received 2019-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 incorrectly reporting me as an Authorized User on XXXX   partial account number XXXX. ( Please see page 9 of the attached credit report. ) I called XXXX XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX  and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.

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 2019-07-03
Company: ACS Education Services
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I'd like to receive payment history ( for amount paid ) throughout the life of my student loan. The loan was sold by the company formerly known as ACS ( Conduent ) and is now serviced by XXXX. I have all payment history from the date of XX/XX/XXXX but would like the prior 11 years ' worth of history from Conduent. Payments began some time in XXXX and there has been some forbearances and deferments during that time. When my balance was transferred over to XXXX, the high amount as reflected on my credit report says {$19000.00}. When I began making payments with XXXX, they started my balance as {$21000.00}. I don't understand this discrepancy. I need to confirm accuracy by reviewing the history in total. On the XXXX website, they state they have only received one historical transaction from ACS/Conduent and it was basically the total balance due ( {$21000.00} ). There were no history of payments. Also, there are no previous tax statements at all. My statements only go back to XXXX. When I log into the Conduent/ACS site, it just tells me they no longer service my account and to refer to the new servicer. I have tried contacting ACS by phone. However, the number is not in service. I have contacted Navient by phone but they say this is not their problem. I believe I have made at least half of the 120 payments required for loan forgiveness. However, I have no historical proof due to the way my loan has been managed by ACS educational services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Ive received several emails from XXXX XXXX  and credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: EQUIFAX, INC.
State: NY
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:
2021 i settled the credit card payment with credit report, but credit report have not deleted the report our my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission Identity Theft Affi attatched. Im trying to build my financial stability up while providing during Covid

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 2019-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 recently went to a credit education class and XXXX of things i was told was to monitor my credit report. I checked my credit report for the first time in awhile and i see a few items on my credit report that are not mine. I need these items deleted from my credit report. XXXX XXXX XXXX XXXX XXXX FUNDING, XXXX XXXX, XXXX XXXX CO, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. I contacted the FTC and my police department.

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 2019-07-03
Company: EQUIFAX, INC.
State: OH
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:
Equifax and XXXX  are incorrectly reporting me as an Authorized User on XXXX - partial account number XXXX. ( Please see page 12 of the attached credit report. ) I called XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-03
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:
Please remove this account that keeps deleting and place back on my credit report. 
XXXX 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 2017-10-02
Company: AmerAssist A/R Solutions, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
AR Solutions is attempting to collect a debt that is PAID IN FULL -- -- -- They a scammers. Please remove fraudulent collection notices on my credit reports ... ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
My husband and I bank with XXXX, but our car loan was with Wells Fargo. We decided to pay off our car loan but werent sure how to go about it. We contacted Wells Fargo first but were told we could not pay $ XXXX by phone and that we would first need to increase our credit limit and visit a WF branch in person to make a payment abs we could use a debit card to do so. Next, we called XXXX and explained that we wanted to make a $ XXXX pmt on our WF loan and asked what we needed to do. Their only helpful suggestion was to increase our credit limit for the day. My husband then went into the WF branch to make the pmt. His banker was a young girl ( XXXX XXXX on receipt ) who seemed new and didnt know how to process his large pmt. My husband offered to go to XXXX to get a cashiers check and speed up/simplify the process. The banker said she would get her manager to help her. The manager then did over rides and told my husband, let me try this after asking for his debit card. A day or two later, we noticed a non ATM fee of almost {$900.00} charged to our account. Not once were we ever advised of the possibility of a bank fee if we allowed our debit card to be used to process our $ XXXX pmt. We opened complaints with both WF and XXXX executive depts. WF stated the bankers who assisted my husband claimed to have informed him they were processing a cash advance and advised him of possible fees-this is a complete lie. The signature line of his receipt is blank. Nothing was explained, she did over rides on everything and nothing was explained. I followed up with XXXX from the executive dept on XX/XX/22, to ask for a resolution. XXXX informed me that a notice was sent via mail and the manager denied any misinformation. XXXX went on to say that if he was in my position, he would have done more research before making the payment because there was no need to make a $ XXXX payment right away. I am absolutely blown away by the lack of tact, professionalism and compassion. We do not have to disclose our family dynamics nor finances to XXXX. We simply need our money back and for Wells Fargo to chose to assist their customers, rather than protect employees who have made grave mistakes and caused us to lose our mortgage payment because of fees. 

As for XXXX, they said despite failing to disclose or inform us of fees by phone-their bank fee schedule is available online so that protects them from needing to assume responsibility for failing to disclose a fee to us. Please help. We need our {$900.00} back. That was our mortgage payment for XXXX. 

Please see attached receipts which have a blank signature line.

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 2022-04-05
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On today XX/XX/2022 I went to the PNC Bank @ XXXX XXXX XXXX XXXX Pa XXXX. To deposit funds into my Savings Account. After a brief wait I was called to the window by a XXXX female teller who was dressed in all black. And the first question she asked me was. Why didnt you use the ATM? After knowing the fact that here In XXXX theres an increase of armed robberies and senseless killings here in XXXX Pa. At various Banks including PNC ATMS. And since I happen to be an immediate family member of a Murdered Victim so its a personal and heartless offense against me as a PNC Bank Customer. And when I addressed the question to the Bank Teller on why did she ask me that question? She responded in a irresponsible and arrogant way. Now this isnt the first time when Ive been disrespected by a PNC Bank Employee because sometime ago at the local neighborhood bank @ XXXX XXXX XXXX XXXX XXXX XXXX the then XXXX Bank XXXX had asked me the same question after already knowing the high XXXX on XXXX crime wave in this community. Once again these are nothing but continued harassment and retaliation tactics

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 incorrectly reporting me as an Authorized User on XXXX - partial account number XXXX. ( Please see page 12 of the attached credit report. ) I called XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.

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 2021-05-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
This complaint is with Bank of America. There was an existing balance of {$65.00} that was in dispute. Bank of America closed that dispute without notifying me of this action. This dispute was at least 18 months old. I did not pay that amount because I assumed it was still in dispute. B of A reported my account 60 days past due and charged various service and late fees. I sent an email to the Director of customer relations at Bank of America located at their corporate headquarters. ( Please see attached Word document ) I received a call from an assistant Informing me that there was nothing they would do to resolve my issue and that they would continue to report the account past due. I had no other choice than to pay the {$65.00} so that my FICO score would not continue to plummet. My credit rating was XXXX prior to Bank of America initiating these actions. My FICO score has dropped by more than 100 points. I have never experienced this type of treatment by a credit card Issuing company. I consider their actions fraudulent and unethical. 

Sincerely, 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 2019-08-07
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
For no reason at all synchrony bank lowered the limit on my Walmart card and XXXX card. It has impacted my credit score and I have always paid on time and carried very little balance on either card. It is unfair and harmful to my credit score.

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 2021-05-17
Company: Experian Information Solutions 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 am a victim of identity theft, I have sent a FTC report out before to have these accounts removed immediately from my report according to the FCRA which was told by my lawyer these accounts are suppose to be blocked and removed right away then are suppose to be reinvestigated they are violating human rights and are creating a danger for me and my family because these accounts are effecting my credit score. These accounts are not mine. I filed an FTC report and Identity theft affidavit with proof of a letter that has been signed and notarized that this is me disputing. I know it is your companies dutie to report right information please remove all of the fraudulent accounts. 

XXXX Bless

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 2022-04-05
Company: Experian Information Solutions Inc.
State: GA
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 the following accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 consumer reporting agency can not furnish 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 2020-04-24
Company: PENTAGON FEDERAL CREDIT UNION
State: NV
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:
PenFed credit union, which has a history of being defrauded ( most likely due to inept Know Your Customer enforcement ) has sent me letters that my account is overdrawn. I have never opened an account with PenFed. I have contacted PenFed  repeatedly, and they are refusing to investigate the issue until I file a police report. 

To be clear, I have never signed a contract or opened an account with PenFed, thus I do not have a fiduciary duty to them in any capacity whatsoever. They are demanding that I file a police report prior to their opening an investigation. As I do not have any relationship with them whatsoever, I am not in any way compelled to honor their request. 

The account that they are claiming is associated with my name was opened in XX/XX/2020, thus it is less than 60 days old. During that time, one or more checks was deposited into the account, and subsequently returned by the issuing institution as fraudulent. During that time, PenFed allowed the account to be overdrawn by {$5400.00}. That is grotesquely negligent. 

Due to the XXXX  breach last year, the names, addresses, and social security numbers for virtually every American are available online. If PenFed is allowing people to open accounts with that information alone, they are not simply negligent, they should be both civilly and criminally liable. I have requested PenFed provide me with the signature and photo identification that was provided when the account was opened, and they have refused. 

PenFed was defrauded last year for a XXXX dollars in the exact same fashion. 

XXXX XXXX XXXXXXXX  Apparently they have learned nothing, and have taken zero steps to enhance their Know Your Customer compliance. If every bank and credit union in the country were as lax as PenFed, I and every other American would waste hundreds or thousands of hours a year filing useless police reports. It is PenFed 's DUTY to investigate when they have been defrauded. It is not my responsibility to take any action prior to their investigation. This is especially true as the account in question was opened fewer than 60 days ago. 

I have contacted the Chairman of PenFed via this webpage, XXXX XXXX XXXX  I have also contacted their CEO XXXX XXXX via  XXXX  XXXX 

As of XX/XX/2020 I have not received a response.

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 2020-04-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I filed a complaint on XXXX  and Capital One. My card was closed for no reason. When I called and spoke with XXXX  (  XXXX )  He advised that on my prior complaint to them that I reported it wasn't my account. I never said that, what was said was that my account needed updated to {$24.00} and I needed removed from an authroized user on account ending in XXXX. Capital One said to submit the fraud paperwork and I did that, but haven't spoken with someone since. When I called Capital One and spoke with XXXX she advised that XXXX  would need to open my account back up. I have all complaints/documents for all of this mess. It's ridicoulous that I have call and write so many times. XXXX  couldn't have closed my account with Capital One and it was never reported to any one that it was a fraud account. Capital One couldn't provide what credit bureau reported it as fraud. 

This is what I reported- I contacted Capital One to dispute information on my credit report. There is two things that need updated. They have not updated them with the credit reporting bureaus. I need that updated ASAP. One Capital One credit card should be removed from my credit report as I am no longer an authorized user and the balance should be update on the other one to {$24.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-17
Company: The Best Service Co.,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:
This is not mine. 
XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX BEST SERVICE COMPAN Account Number : Please remove it from 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