BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-08
Company: WELLS FARGO & COMPANY
State: CA
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:
Background information : I am a resident of the state of California. California Code, Civil Code CIV 1747.85 states " Unless requested by the cardholder, no card issuer shall cancel a credit card without having first given the cardholder 30 days ' written notice of its intention to do so unless the cardholder is or has been within the last 90 days in default of payment or otherwise in violation of any provision of the agreement between the card issuer and the cardholder governing the cardholder 's use of the credit card or unless the card issuer has evidence or reasonable belief that the cardholder is unable or unwilling to repay obligations incurred under the agreement or that an unauthorized use of the card may be made. 
Nothing provided herein shall be construed to prohibit a card issuer from placing the account of a cardholder on inactive status if the cardholder has not used the card for a period in excess of 18 months or from requiring that cardholder, upon subsequent reuse of a card, to provide to the card issuer such updated information as will enable the card issuer to verify the current creditworthiness of the cardholder. '' XX/XX/XXXX : At this time, I had a consumer credit card account open with Wells Fargo in good standing. The credit card account had a rewards account associated with it with a balance of XXXX " XXXX XXXX Rewards '' points, earned from purchases made on the credit card account. As part of the rewards program for my credit card, these points were redeemable for up to a value of {$0.00} for each point, with at least XXXX points required to make a redemption, and additional points could be earned by making purchases with the credit card account. 
XX/XX/XXXX : Wells Fargo issued a letter stating that they had made the decision to close my credit card account, that the account could no longer be used to make purchases, and that the rewards balance associated with the account would be forfeit. 
XX/XX/XXXX : Said letter was received by me via USPS. Upon checking the account through the website, I verified that the account was closed and that the associated rewards account had XXXX " XXXX XXXX Rewards '' points deducted from the account balance leaving a balance of XXXX. The balance of XXXX   points in the account was unable to be redeemed since the minimum redemption amount is XXXX points, and it is impossible to earn additional points since the associated credit card account was closed. 
XX/XX/XXXX : I inquired on the matter with a Wells Fargo banker at a bank branch. No additional information on the closure was provided to me. I opened a dispute with Wells Fargo to request reopening of the account and a reinstatement of the rewards account point balance.

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 2018-01-29
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Dear Sir/ Madam, It is currently XXXX XXXX in the PA Banking Commission XXXX We have received a contact from a previous consumer and wanted to touch base with your company to ensure that all is well. We have confirmed that a lawsuit was not filed against PNC. PNC has been soliciting XXXX XXXX in spite of a cease and desist letter being sent to your entity. The next steps will lead to a federal lawsuit. PNC has been told to leave XXXX XXXX alone several times. However, PNC never seems to understand the message. XXXX XXXX cashed the {$500.00} check at PNC 's approval. An agent from PNC contacted XXXX XXXX and had left a detailed voice message stating that the check was in good standing. No blocks or any adverse action was taken against the check. PNC is now blaming XXXX XXXX for stealing {$500.00}. If PNC does not leave XXXX XXXX alone, I will contact XXXX XXXX XXXX XXXX, NY ( DOJ ) to sue PNC for harassment and defamation. I am attaching this email that was sent by an employee in your company. PNC should have processes to keep employees under control. PNC is negligent as it has violated a cease and desist order. PNC must not make any more inquiries about XXXX XXXX to any Consumer Reporting Agency. PNC must mind its own business. I hope that you will follow this demand letter. Legal action will be filed if any provisions are violated in this letter. 
Sincerely, XXXX XXXX ( DOS ) PA BANKING COMISSION

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2022-04-29
Company: Paypal Holdings, Inc
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2022 I reopened a PayPal Account. I provided my banking information ( with routing number ), and two debit cards. 
I was notified 2 days later that my account can not be opened, used. 
I then attempted through Verbal alteration with a Customer Service agent to have my banking information and credit cards removed and ALL MY INFORMATION DELETED. 

PayPal refuses to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: TRUIST FINANCIAL CORPORATION
State: NC
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:
Ive contacted regional acceptance in writing explaining that the auto loan account was fraudulent on XX/XX/XXXX they wrote me back stating all identification and related documents matches the ID information on file which was not correct. During this transaction with regional acceptance that was done in XXXX I was a tenant at XXXX XXXX XXXX XXXX NC XXXX. The address Regional Acceptance had on file was XXXX XXXX XXXX XXXX NC XXXX ... Thats the address the used when financing was granted. I have contacted the credit bureau Agencies XX/XX/XXXXand XX/XX/XXXX to remove this Account from my credit file at the Earliest Possible Time

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 2021-08-11
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: Information belongs to someone else

Complaint:
AFFIDAVIT : In this court of record I, XXXX XXXX XXXX, a man, swear under oath and penalty of perjury that all herein is true as follows I am a victim of identity theft and fraud and Experian, XXXX, XXXX  are continuing to report fraudulent accounts on my credit profile after I informed them of the fraudulent accounts in which are causing me harm, injury and damage in the public. 

s : 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 2023-09-05
Company: JPMORGAN CHASE & CO.
State: LA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Missed Payments- Due to financial hardship and Covid 19, I was unable to work during these periods. 

XX/XX/2022 XX/XX/2022 XX/XX/2022 Late Payments- Due to financial hardship and Covid 19. 
XX/XX/2022 XX/XX/2022 XX/XX/2022 I have disputed these remarks but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Someone has an access on my personal information. I have no knowledge of what and who this could be.

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 2021-04-29
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX Balance Owed : {$1300.00} ; XXXX  XXXX Balance Owed : {$2900.00} ; XXXX XXXX XXXX Balance Owed : {$750.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$1300.00} ; XXXX XXXX Balance Owed : {$2900.00} ; XXXX XXXX XXXX Balance Owed : {$750.00} ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2018-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 account XXXX XXXX XXXX is showing on my credit reports as a closed account which I have no account that I have opened and it shows closed 2 years ago. From reading other complaints similar here on consumer finance I'm requesting to please delete this misleading information in order to show my true credit history. By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand that the following items be re-verified and deleted from my record.

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 2020-10-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am needing assistance in dealing with Equifax because I have contacted Equifax several times and they wont correct their errors. I have sent letters about accounts they are reporting that are not correct and they have verified these accounts stating they are accurate? Im really confused how these accounts were verified as accurate when 1 ) Equifax is not even reporting MY CORRECT YEAR OF BIRTH 2. ) These accounts DON'T EVEN HAVE A FURNISHER on the accounts?? So how were these accounts verified, please explain this to me, because I can not understand this. Secondly, I have sent them proof of MY birth : my drivers license, my social security card and proof of my address but for some reason they will not correct their information? I was NOT born in XXXX ; I was born in XXXX. Period. There is absolutely no question about that, but somehow Equifax reports their information is accurate? HOW CAN THAT POSSIBLY BE??? I can not get a credit report from Equifax because they can not verify me. When I attempt to verify my identity, Equifax sends questions for me to answer that does not even apply to me, questions about someone else in another city of another state! And they have numerous addresses listed on my report that are not mine! I can not get approved for credit because the creditors can not verify me because Equifax is reporting someone elses birth year and not mine, FOR YEARS. I feel like I am in the Twilight Zone, surely this has to be in serious violation? This has kept me from numerous credit opportunities to provide more for my children and myself! This has even kept me from being able to continue my education! I am now consulting with an attorney because of the false reporting and refusing to correct their information for something AS SIMPLE AS MY YEAR OF BIRTH. This is absolutely absurd and your errors continue to affect MY financial livelihood!! And you continue to put my personal information at serious risk!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: Sterling Infosystems Inc.
State: GA
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: Public record information inaccurate

Complaint:
I received a job offer on XX/XX/XXXX with company XXXX on hired a background check company to run a background check Company is Sterling. 
XXXX moved me to the next stage and I attended a XXXX  on XX/XX/XXXX congratulations on new job telling me start date is XX/XX/XXXX. 
On XX/XX/XXXX I received an email from XXXX saying offer is withdrawn due to background check. I called Sterling and was told by the employee on XX/XX/XXXX XXXX ordered a 7 year criminal report sex offender report and drug test. I was told XXXX had a plan that was for only 7 years. Sterling reported info past 7 years which caused the employer to withdraw the job offer that I accepted. I called Sterling again on XX/XX/XXXX I was told by another employee. I can not dispute the report. Sterling not the employer notified me of adverse action. I was notified by an email my job offer was no longer available.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: Incomm Holdings Inc.
State: TX
Product: Prepaid card
Sub-product: Gift card
Issue: Unexpected or other fees

Complaint:
i purchased the gift card on XX/XX/2023 at XXXX. the card was for the amount of {$220.00} with a purchasing fee of {$5.00}. I did not attempt to use the card until XX/XX/2023 and that is when it was declined so i logged onto the website and realized the entire amount had been used. i did not authorize this purchase nor have any idea what is was for. the card issuing company has been completely un helpful in the situation and keeps transferring me to useless departments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: EQUIFAX, INC.
State: PA
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 am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: EdFinancial Services
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX  I received emails from U S. DEPT OF EDUCATION informing me that my BURROW DEFENSE CASES HAVE BEEN APPROVED. Sweet vs. CARDONA case lawsuit. Pursuant to the SWEET settlement the DEPARTMENT OF EDUCATION are to discharge all federal student loans. On XX/XX/XXXX  I received a letter directly from ED FINANCIAL SERVICES VERIFYING THAT THEY HAVE 100 % DISCHARGED MY LOANS. MY ACCOUNT # IS XXXX. 
PLEASE CALL XXXX. 
VERIFY THE ABOVE INFORMATION AND FOLLOW THE LAW AND DELETE ALL STUDENT LOANS FROM MY CREDIT FILE

Company response to consumer: Untimely response
Consumer complaint received 2018-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
FRAUDULENT NAMES : 1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX FRAUDULENT ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX FL XXXX 3. XXXX XXXX XXXX  XXXX XXXX XXXX GA XXXX 4. XXXX XXXX XXXX XXXX GA XXXX 5. XXXX XXXX  XXXX XXXX XXXX GA XXXX 6. XXXX XXXX XXXX XXXX NC XXXX 7. XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX 8. XXXX XXXX XXXX XXXX XXXX XXXX FL 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: WELLS FARGO & COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Someone without my knowledge was able to make two withdrawals, ( 1 ) {$980.00} dollars, on XX/XX/2021, ( 2 ) {$1000.00} dollars, on XX/XX/2021, through, Wells Fargo Bank, located at XXXX XXXX XXXX XXXX, XXXX, Maryland. I, am considering this the initial step filing a Criminal Complaint. 
Ive contacted XX/XX/XXXXXXXX XXXX and Wells Fargo concerning this troubling issue. Its not easy manipulating an ATM UNIT.

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 2018-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
The following accounts/items do not belong to me. Please delete immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: FCI Lender Services Inc.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We have been attempting to submit a loan modification package to our servicer - FCI. They are saying that the investor - XXXX XXXX XXXX - won't work with us for a modification. FCI gave us contact info for XXXX XXXX XXXX and it goes to someones personal cell phone who has no idea who I am trying to reach. When attempting to search for XXXX XXXX XXXX online, there is no records of this company. We have also tried to reach out to their attorneys, XXXX XXXX. We do not understand why not a single attempt is being made to review our modification package. We are qualified for a loan modification. We would like to be reviewed for a loan modification to help save our home.

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 2021-01-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Capital one app changed autopayment from minimum due XXXX on XX/XX/2019 to XXXX $ On XX/XX/2019 which was cancelled. Capital one app then adjusted autopay to XXXX $ a month on XX/XX/XXXX and XX/XX/XXXX, which was less than minimum due. Never received a phone call or notification of change in payment amount. Capital one then proceeded to mark with late payment inquiry without any chance to fix the situation. App will still change from minimum payment due to XXXX $ A month. I contacted capital one multiple times and was hung up on or told it could not be changed. I need these late payments to be removed ASAP as I am not at fault.

Company response to consumer: Closed with explanation