BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-23
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Opened A new virtual wallet account a month or two ago and erroneously transferred money from the reserve checking into the spend checking And then the automatic system did it again which while I didnt incur a fee originally every day that its been negative it has it now the fees are totaling over {$100.00} I have to wait till we get paid again on Friday XX/XX/XXXX make that reserve current and not negative

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-10
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I had an auto loan with XXXX and paid on it since XX/XX/2013. XXXX XXXX XXXX offered me a chance to pay off XXXX and settle up some late fees with them, but I didn't realize the amount of interest they were charging me. I borrowed {$19000.00}, and I am paying back {$29000.00}. {$10000.00} interest for another 5 years. Is this feasible or am I losing my old mind. I am a XXXX XXXX veteran struggling to make ends meet, but if they are within their rights to charge that much ; please accept my apology. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have contacted y'all claim center to dispute these items Expand XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$78.00} Expand XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$76.00} Expand XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$45.00} Expand XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and also have my overdraft fees credit OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$76.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$35.00} Expand XX/XX/XXXX OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$45.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$35.00} Expand XX/XX/XXXX OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$43.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$35.00}. Still, they denied my dispute, and I told the lady I contacted XXXX and XXXX says they can't refund me because I cancel them transferred online yesterday and still got billed, and I am 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 2018-08-10
Company: EOS Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
company called do not call list. Someone erred and listed my phone which was erroneously listed and forwarded to debt collector. I would like full name of debt collection agent as this was complete negligence

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
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 was a victim of ID Theft as far back XX/XX/XXXX. I have two entries on my credit report that are a result of that incident 2 collections from XXXX XXXX/XXXX collection on behalf of XXXX entered in on the dates of XX/XX/XXXX for {$990.00} with the account starting with ( XXXX ) and again for XX/XX/XXXX for {$1000.00} with an account number starting with ( XXXX ). Again these are both the result of past fraud. I have have not had any recent activity but I would like these addressed. I have included a police report as well documenting my efforts to show this was not my fault.

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 2019-02-25
Company: Experian Information Solutions Inc.
State: CT
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:
On our XX/XX/XXXX XXXX  XXXX XXXX mortgage statement, the fixed principal balance is {$190000.00} Original XXXX balloon mortgage was opened in XXXX with {$200000.00} balance. It was converted to {$200000.00} fixed mortgage with non-interest balloon in XXXX. On or about XX/XX/XXXX the mortgage or about was sold/ transferred On or about XXXX XXXX transferred/sold the account back to XXXX XXXX  XXXX XXXX has and continue to report to all Credit Bureaus conflicting, erroneous, and negative data which have had negative and adverse impact on all three Credit Bureau Reports . As a result of this, I have been denied twice because mortgage balance owed on account is too high I have tried for two years to correct this on my credit reporting by filing disputes with XXXX  XXXX XXXX XXXX of the President, CFPB and all three Credit Bureau with no success. 
Errors include, but not limited to : XXXX  XXXX XXXX ( website/statement ) Opened XXXX Original balance XXXX Current Balance XXXX Current interest rate XXXX Transferred to XXXX XXXX XXXX Credit Report XXXX  XXXX XXXX Open Date opened XX/XX/XXXX Date last report/update XX/XX/XXXX Balance XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX High Credit XXXX Months reviewed 99 Balloon payment {$180000.00} XXXX XXXX XXXX -closed Date open XX/XX/XXXX Date closed XX/XX/XXXX Balance {$0.00} High credit XXXX Months reviewed 12 Date Reported XX/XX/XXXX Balloon payment {$0.00} XXXX XXXX XXXX ( Closed ) Date opened " XX/XX/XXXX Date Closed XX/XX/XXXX Balance XXXX Months Reviewed 13 Balloon payment ( blank ) Experian-Credit Report XXXX XXXX XXXXXXXX ( Open ) Date opened XX/XX/XXXX Date of updated XX/XX/XXXX Balance XXXX High Credit Months Reviewed 66 ( 18 months -ND ) Date reported XX/XX/XXXX XXXX XXXX ( Closed ) Date opened XX/XX/XXXX Date closed XX/XX/XXXX Balance XXXX Months reviewed 13 Date reported XX/XX/XXXX XXXX -Credit Report Date opened XX/XX/XXXX Date last report/update XX/XX/XXXX Balance XXXX Months reviewed 76 I have included Credit Reports I pulled on or about XX/XX/XXXX well as a spreadsheet ( data from credit reports and XXXX bank statements ) which will highlight errors. 

I would appreciate any assistance you my give me. My email address is XXXX or I may be reached by phone at XXXX feel free to leave message. 

Thank you XXXX XXXX Attachments

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 2018-08-10
Company: EQUIFAX, INC.
State: IL
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:
I have disputed these companies being on my report because I did not ask for them to inquire about my credit. 
These are the list of companies who inquired about my credit below : Inquiry details XXXXl/XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXXXXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Compliant ' As ' XXXX XXXX/Cardmember Services does not have a sense of urgency ' to its Clients '. 

Type of Problem ' As ' potential reported fraud that ' I informed XXXX XXXX/CardMember Services of XX/XX/2018. 

What Happened ' As ' Violations of Civil Disability Rights ' as Witnessed ' in participated needs for public corruption, extortion or solicitation of monies. 

What Company ' XXXXXXXX XXXX/Cardmember Services ( Credit ) XXXX XXXX  ( Debit ) WXXXX XXXX  XXXX, TX ( XXXX, XX/XX/2018 ) XXXX XXXX XXXX, TX ( XXXX, XX/XX/2018 ) Who is Involved, Informed ' ( XXXX ) XXXX XXXX XXXX ( ID Theft, Character ) _ XXXX XXXX XXXX Request for Determination US Attorney Office XXXX , TX_ XXXX Corporate Upper Leadership

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: JPMORGAN CHASE & CO.
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Chase Bank arbitrarily closed three credit card accounts that were being serviced on a timely and often, early payment, basis. I received three letters stating the accounts in question were possibly affected by numerous inquiries? - balances high compared to credit limits? - closed at banks request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On, XX/XX/XXXX, I requested several times via Bank of America Privacy Assist Representatives and Supervisors to receive my credit scores from XX/XX/XXXX. These are the most recent credit scores following my cancellation of the Privacy Assist during XXXXXX/XX/XXXXXXXX. 

I have been told by privacy assist officials that they can no longer access my membership history because such history has been archived. However, I am writing to file a formal complaint to request the most recent credit scores that were sent to me by privacy assist during the month of XX/XX/XXXX. 

I was a member of privacy assist from XX/XX/XXXX to XX/XX/XXXX. I feel it is my right to have access to information and documents that were provided to me during my membership period, of which I paid {$12.00} per month. 

Additionally, I have learned that a lawsuit was filed against privacy assist for false advertisement and refusal to grant membership for the first 30 days of membership. It is my understanding that this lawsuit was settled back in XXXX. I would like to know if I am eligible to receive a fund for my privacy assist services for which I was billed from XX/XX/XXXX to the end of XXXX, the time frame of the lawsuit. I have called numerous times the telephone number that was give to me by a CFPB representative, but I have been unable reach someone about this matter. I would be most appreciative if someone could help me with this matter.

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 2021-06-23
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hello, I am sending this over because there are fraudulent accounts on my credit report. These accounts do not belong to me ; therefore, they should not be on my file. Attached you will find a copy of the claim from the Federal Trade Commission along with a copy of my license. Please remove these accounts as soon as possible. Pursuant to 15 USC 1681 c-2 subsection ( a ) you have 4 business days to block this information from my file. This request was NOT made in error. I, XXXX XXXX, did not give your credit reporting agency written instructions to include this fraudulent information in my consumer report. Which is in violation of 15 USC 1681b- ( a ) ( 2 ). I am a victim of identity theft and did not open said accounts on the word document provided below. I ask that all items provided on the document attached be deleted to correct my credit report so I can finally get approved for a car loan. Please note that I am submitting this request on behalf of myself. No third party is involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: TD BANK US HOLDING COMPANY
State: CA
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:
I notice a couple of hard inquiries on my credit report from XXXX and XXXX. That I did not give permission to run my credit. 

The name of the Company was TD AUTO financial XXXX XXXX, M XXXX Please help me to correct this item. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: EQUIFAX, INC.
State: AL
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 list of inquires below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX account ending in XXXX the amount is XXXX they have violated my rights XXXX XXXX XXXX XXXX dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX they have violated my rights. 

XXXXXXXX XXXX inquiry XX/XX/XXXX they have violated my rights. 

XXXX XXXXXXXX XXXX XXXX XXXX inquiry XX/XX/XXXX they have violated my rights. 

US SM Bus Admin ODA inquiry on XX/XX/XXXX and XX/XX/XXXX they have violated my rights. 

XXXX XXXX XXXX inquiry XX/XX/XXXX they have violated my rights. 

All in Credit Union inquiry on XX/XX/XXXX they have violated my rights. 

150 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I run a small business and i signed for a merchant services for a period of 4yrs and we completed 4 yrs and i was on month to month for a period of 8 months. A representative from the company visited and said that he will give us new updated machine. ( i had already owned both the machines ). He switched one machine only, he said I own the other machine and signed a new lease. 
He said this is a new lease and the old lease is terminated. 
when i checked the monthly statements, the merchant services were taking ( withdrawing ) 2 different amounts. old lease amount of {$64.00} and new lease amount of {$130.00}. I called the company and the customer service people were very rude and was not helpful, they insisted that I have to pay both. 
I had about 4 to 5 calls and I did not get any help. They did not even connect me to the manager or supervisor, when i requested them. I disconnected the machines and switched the company. 
Later they requested the machines to be sent and i did send the machines. 
I requested them to settle the issue with a suitable amount, they asked for {$6900.00}, which is beyond my reach. 
Later i got a letter from a collection company for {$3900.00}. I replied this company and they stopped all the communication. 
Now I have a call from another collection company called XXXX XXXX XXXX XXXX, a person named XXXX XXXX LEFT a message to be called back. 
I request you to help me in this regard. 
My business is very small and my income is also limited.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
on XX/XX//2019 I sent dispute letter and they said I they verified, but did not listed the evidence or say how they verified it. 
and the credit card company said that they don't have any record of my account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have had multiple credit card accounts taken account in my name, rental lease agreements taken out in my name in 2015 in XXXX and XXXX in the city of XXXX, WA. I have had credit cards used in my name for purposes such as XXXX, XXXX, and multiple other companies using my credit card. The charges began in 2015 and have continued to date, even after opening a new checking account with XXXX XXXX XXXX XXXX. I have tried to fight the fraudulent charges but have not been successful and my social security number has been severely compromised. I believe it has been hacked through experian and someone has access to my credit cards and debit cards. I have been rejected from rental applications and jobs because of errors in 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 2018-08-10
Company: TIDEWATER FINANCE COMPANY, INC.
State: CA
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:
I notice a couple of hard inquiries on my credit report from XXXX   and XXXX. That I did not give permission to run my credit. 

The name of the Company was XXXX XXXX XXXX XXXX XXXX, M XXXX Please help me to correct this item. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: JPMORGAN CHASE & CO.
State: CA
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:
I notice a couple of hard inquiries on my credit report from XXXX   and XXXX. That I did not give permission to run my credit. 

The name of the Company was XXXX XXXX XXXX XXXX XXXX, M XXXX Please help me to correct this item. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
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: Information belongs to someone else

Complaint:
I applied for a XXXX credit card today XX/XX/2020 and I was not approved. I was told that the reason I was denied was that there were two accounts in negative standing appearing on my credit. The account names are XXXX XXXX XXXX for an amount of {$280.00} and XXXX XXXX XXXX XXXX XXXX for an amount of {$980.00}. Neither of these accounts belongs to me ; I never signed any contract or agreement with these companies and I never allowed them to run or access my credit file. I don't know who could have opened these accounts in my name because I have never allowed anyone to open an account on my behalf. I did not benefit anything from these unauthorized accounts such as money, goods, services or any other benefit nor did I make any payments towards these accounts. I have already filed a police report regarding this suspicious activity on my credit.

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