BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-17
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Unexpected or other fees

Complaint:
I stopped at this PNC branch to cash a check drawn on said bank by XXXX XXXX XXXX XXXX. My XXXX was refunding an over-payment I made of {$200.00}. Teller told me it would cost 2 % of check to cash even though it was drawn on PNC Bank! I asked to speak to branch manager who wasn't in at that time. ( Approx. XXXX ) Instead, teller supervisor XXXX XXXX came to speak with me. Though she was polite, I would have been better off talking to a computer, a desk, a chair, the wall, etc. I explained though I didn't have an account w/PNC it was a small check, written by a small business right down the road from this branch ( about a 1/2 mile away. ) I think I may have also mentioned I'm a stockholder, and I emphasized the check was drawn on PNC Bank and that XXXX XXXX XXXX XXXX, obviously was their customer, and they certainly wouldn't want me to have to pay 2 % for the money they accidentally overcharged me! Nothing! No empathy whatsoever. She simply kept chanting her 2 % check cashing fee mantra! Disgusted she wouldn't listen to what I had to say and continued to talk like a robot, I asked for the branch manager 's  business card. She handed me the card, and I started to walk away. As I looked at the card, I realized it was her card instead of the card I asked for, and I immediately headed back to the counter. I repeated my prior request, telling her I didn't want her card, I wanted the branch manager 's card. She then handed me his card. Upon getting back to my car, I sat in the car, and I called the branch manager 's phone number. Of course, one of the girls in the bank answered the phone. I asked to be connected with Mr. XXXX 's voicemail, and I was I would be connected, but I was immediately cut off. I immediately called back. This time I got another girl who successfully connected me with XXXX XXXX 's voicemail. After I left the message, I thought to myself, " How XXXX! '' There was hardly anyone in the bank when I was there, it was early, and everyone was listening. They clearly knew who I was, and I'm sure they probably erased my voicemail before XXXX ever got in the office! ( It's XXXX at present, and I haven't heard from, and I'm confident I won't. I'm sure they erased the voicemail I left him. ) I think it's an absolute sham ( and again, I'm a stockholder! ) the way this bank wants to charge me 2 % to get such a little amount of money for which I was overcharged by me dentist WHO IS A CUSTOMER OF PNC BANK!!! Poorest, most arrogant customer service I've ever encountered at any bank in my entire life! The teller supervisor 's lack of empathy and constant, robotic response is what really gets me! It's clear it wouldn't have mattered if the fee was ten cents, a nickel or a penny! She was gon na continue chanting the fee was their policy  until her lips fell off!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: BOEING EMPLOYEES CREDIT UNION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In XX/XX/2017 Becu called me saying there was suspicious activity on my card and needed to get into my account to look at it so they asked for my log in info, full name and debit card number and this was about a week prior to the incident. 

My grandmother sends me money on a regular basis to help me with funds since Im alone most of the time while my husband is gone all the time for work because he is XXXX. I had no idea that the funds in my account were from some other source. Iwas in shock and in tears to see my account overdrawn in the thousands and that someone logged possibly stole my information. I also saw in my account that someone logged in on XXXX XXXX and that is when i panicked and called in because I dont know anyone of that name nor would i log in to my bank on someone elses phone. The woman on the phone made me uncomfortable and made me feel as if it was all my fault. She would not provide me with details on how my account was compromised or what had happened. Ive been so scared about this situation because i have little to no money to repay at this time but i dont want my credit to be horribly affected by this especially at my age. 

On XX/XX/XXXX I received a letter from BECU stating that my account has been sent to Loan Loss Recovery for collections and they will take whatever actions necessary. It also states that i will incur additional collection costs, including but not limited to, court costs and attorney fees. They also stated that they may report information to the credit bureaus. 

My grandmother will also be trying to help me on the situation and taking legal action since me and my husband are stationed 3,000 miles away but i was told to report this to Consumer Financial Protection Beauru first.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I'm trying to get my credit score up and TransUnion is making it very difficult. Account number XXXX, for XXXX XXXX XXXX XXXX XXXX have been paid off in full. The property attached with that account is XXXX XXXX XXXX XXXX TN XXXX. 

I have a new address and a new account number. If only TransUnion would actually investigate this matter, they see the change. In XXXX I pulled my bankruptcy records to learn that someone created a EIN number on me, used my personal information as though I have a business. The case number is XXXX. I'm not sure what the name of the company was. 

Also in XXXX I went to XXXX XXXX XXXX to open an account. I was asked if I ever had a business. To learn another EIN was created using my personal information. My name was used as XXXX XXXX and my late father name was used as XXXX XXXX The number was created in XXXX. 

I've reported this information to the courts, IRS, banks and FTC. I'm working close with IRS. The courts told me the case needs to be reopened. I mailed you a copy on my new utility bill, including my new address. 

You have medical bills on my report that don't belong to me. 
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 2021-02-20
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
This is the second time in less than a year, during COVID mind you, that Citi has decreased my balance for absolutely no reason, to what I owe on the card, which then makes it appear that I have maxed out a credit card. This has a devastating impact on your credit score when a credit card is above 30 % usage. They did this in XX/XX/2020 and when I filed a complaint, they raised my limit back up to what it was before they reduced it. See previous complaint I filed on XX/XX/2020. The email states it is a decision made by Citi and not by the credit agency. You can see I have a 100 % credit payment history on all my credit, car loan, etc. 

There is no reasonable explanation for this. I got this card after receiving a promotion in the mail for an interest free balance transfer. The only charge to this card was the balance transfer, which was about 30 % of the total limit they offered. My limit was {$9200.00}. I have not charged anything additional to this card. I kept my credit utilization under 30 %. I have never missed a payment. The credit limit was {$9200.00} and I only owe {$2700.00}, so less then I did in XXXX when they reduced the limit. I have not charged anything additional and am paying it off and feel like Im being punished for being responsible. There is no reason for Citi to have reduced the credit limit, which will cause my score to decrease significantly. This will have a tremendous negative impact on my credit. The country is in a financial crisis and I have done everything right. Thankfully, I still have my job.The same job I have had 14 years. I have paid all my bills on time and have a 100 % on-time score. Ive never been late on any of my credit payments and have not asked for any kind of COVID forbearance. I do not know why they would treat their customers like this during such a trying time. Its going to ruin my credit. I just want them to increase the limit back to what it was. I have no plans of jacking the card up to the limit. You can see that I have paid it down and have charged nothing else. Im doing the responsible thing here. I will even agree to not charge anything additional if that is what they are worried about if they will just increase the limit back to where it was so that it doesnt look like I maxed out a credit card. Quite frankly, how can this be legal. They literally have the power to ruin someones life without good reason. And Im trying to buy my home. This is devastating to my financial well-being.

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 2021-05-08
Company: Experian Information Solutions Inc.
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:
As a result of my most recent complaint about unfair credit reporting, both Experian and XXXX have since dropped authorized credit lines with XXXX XXXX, XXXX XXXX and XXXX XXXX all compromising of XXXX in total credit limits, thus dropping my score further. My original complaint was specific in requesting no adverse actions be taken against me as a result of my complaint to the CFPB. However, I have been further impacted as a result of this complaint. If FCRA is protecting us from unfair credit reporting with creditors. Who is protecting us from the bureaus? 

On XX/XX/XXXX, following this complaint, I attempted to login to my equifax account to find that it no longer existed. It had been deleted. I had to re-enroll and to reinstate my subscription. Upon doing so, I came to find my tradelines were deleted. 

Additionally, they updated unpaid collections balances on XX/XX/21 causing further impact to my score. I will file this complaint with every governing agency up to and including the Supreme Court until they stop impacting me as a result of these complaints. 

Any blocks they have placed on these and and existing reporting creditors are to be removed immediately. 

I want all three accounts reinstated as actively reporting with the tradeline, credit limit, balance, high balance and payment history all fully reported and accurately.

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 2021-05-08
Company: Bread Financial Holdings, Inc.
State: CT
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:
On XX/XX/XXXX I called in a payment of {$600.00} and gave my debit card information for my comenity credit card, the rep stated the payment went through I explained to the representative I keep my card locked for security reason and asked if the payment would be processed right then and there and the representative stated yes. However the put the payment through the next day when my debit card was disable. So I called back on the XXXX on site realized the payment wasnt processed and make a other payment on XX/XX/XXXX and the same thing happened again where the payment was processed on the XXXX from my debit card and the waited till the XXXX to put the payment through on their end while my card was disabled. On the XXXX after realizing they did not take the money off my debit card I went online and signed in to my XXXX credit card and had them debit my XXXXXXXX XXXX checking account where the payment was satisfactory. On XX/XX/XXXX Comenity. A man closed my a. Oh thank stating I was a high risk. I have never been late with a credit card payment with XXXX since having this account close to two years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
MY INFORMATION WAS USED TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I DID NOT OPEN THESE ACCOUNTS THEY DO NOT BELONG TO ME IT IS NOT MY DEBT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2018-12-13
Company: Experian Information Solutions 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:
( XXXX XXXX XXXX XXXX that starts with XXXX ) I requested for the credit bureau to Please validate information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. In response they stated the company that reported the information has certified to that the information is accurate. IM REQUESTING TO SEE THE CERTIFIED INFORMATION THAT WAS RECEIVED BY THE CREDIT BUREAU, IN ADDITION, THE i Method of Verification. I do not consent to XXXX or any means of automated verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
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:
I have attempted to work with the 3 credit bureau and they still continue to report in accurate information and provide no proof of executed contracts with my signature. This inaccurate account and you nor the creditor has not provided any contract with my signature to prove that I own this account or opened this account. Who validated this? This account shows that it is in collection, however the payment history is reflecting OK and still showing as an OPEN account. How is that possible, please delete as I will pulling my legal team to review as this is reporting incorrectly and by law it needs to be DELETED.

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 2018-07-04
Company: Experian Information Solutions Inc.
State: TX
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:
After checking my report with Experian I found several accounts that either weren't mine or had been re aged. I started disputes and successfully moved them from XXXX and XXXX XXXX however Experian wont remove them. They give no details on the investigation and just simply state " That the dispute has been investigated and updated '' yet the accounts remain. When I call they seem more concerned about selling me products and services rather than resolving my issue. After refusing the purchase of services I just get transferred and sit on hold for 45 minutes to an hour.

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 2020-07-03
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
The account XXXX XXXX for {$190.00} was disputed and deleted on XX/XX/2020. It has now reappeared back in my report. This is illegal and I want it removed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: Source Receivables Management LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
SourceRM is representing XXXX for an alleged debt they say that I owe. SourceRM failed to provide the Oral Agreement, transcript, that I had with XXXX. XXXX  Breached its contract and that Breach resulted in the alleged debt of {$470.00}.

On dozens of occasions, orally and in writing, I tried to settle this debt to avoid the horrible tactic of this collection agency. They will not remove this inquiry from my credit file and evasively try to get me to pay the debt without removing the alleged debt from my credit file. To be clear, I do not acknowledge the debt and I am merely trying to pay this to debt because it is costing my a lot of money in excessive interest charges from potential lenders.

SourceRM is not operating in accordance with the Fair Credit Reporting Act. As a result of my contentment and possible upcoming legal action, SourceRM is in the process of selling off this debt to wash their hands of the debt vice closing the debt. This company practices and ethics are unethical and a violation of my rights.

Additionally, one Credit Reporting Agency has already removed this debt from my credit file but 2 others are pending.

SourceRm XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-07
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:
To whom this may concern, I have recently noticed fraudulent activity on my credit reports. as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. Please can you remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On Monday, XX/XX/XXXX I received a call from Capital One informing me that several authorized users had been added to my account on XX/XX/XXXX. They had wanted to confirm if I had authorized these users and I had informed them that I was unaware anyone was added and that I absolutely did not add anyone. Due to the potential fraudulent situation, Capital One restricted my account so that no unauthorized charges could be made ; I thankfully have not received any fraudulent charges on my account. While Capital One was investigating the issue, they claimed that the people added to my account were in fact legitimately added despite the fact that I, the account owner, told them several times that this was not the case, I never added these ( 4 ) users, and that I did not recognize any of the names. I now have been told that they can not un-restrict my account until they receive the required documentation needed to identify the additional users ( drivers license, SS #, etc. ). To be clear, I never authorized these additional users, I do not want to add these users, they are most likely not real people, and I or the fraudulently added people, will not be sending identification information. 

According to Capital One, my account will remain locked until they get the identification information of the people who were fraudulently added to my account, which will never happen. As a result, my account will remain restricted forever. I have spoken to several people over the past week ( including going to a physical location ) and have not been able to get any farther than this. 

I would like to close my account but i have ~ {$1900.00} in rewards cash that is tied to my card that now inaccessible. I have been informed that there is no way for me to access this cash now. If now close my account, I will forfeit this cash. 

To recap, due to a lapse in Capital One 's fraud prevention, four authorized users were added to my credit card without my knowledge or consent. Capital One 's response was to close my account which will cause me to lose {$1900.00} in cash rewards. This is a lapse in their security that I am paying for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
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:
There are things on my credit report that are violations of the FCRA, and I request that they be removed as soon as possible because they are infringing on my rights as a consumer. My privacy has been invaded, and my reputation has been slandered. With no permission its Identity theft!

Company response to consumer: Closed with explanation