BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-17
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Pursuant to 15 U.S.Code 1681 ( 3 ), Who gave you permission to furnish a consumer report with my personal private information? I did not give Equifax consent to furnish a consumer report with my personal private information. I am demanding that you produce a contract between I and Equifax showing that I granted you the permission to furnish my consumer report. If you have that information, have a senior executive send me a notarized affidavit stating that I granted permission to Equifax to furnish my consumer report. 

You broke the law!!! Pursuant to 15 U.S.Code 1681 ( a ) ( 1 ) The banking system is dependent upon my consumer reports being fair, and accurate to me. You allowing inaccuracies to be furnished on my consumer reports has caused me to lose confidence in the banking system, and as a result i will no longer be extending my credit to anyone, nor will I allow you to furnish a report on my behalf as a result. If you would like to continue to do business with me I am demanding that you do what I say. 

I am a natural person and I am pursuing my legal rights under 15 USC 1681n, Equifax obtained information on my consumer report under false pretenses and knowingly without a permissible purpose. I am demanding a settlement of {$2000.00} mailed to me by check within 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On my way back from my trip to The XXXX XXXX, I applied for the XXXX card on XX/XX/2021 while on the plane. The staff member was passing out applications. I had heard many good things about it and since I wanted to keep traveling I felt like it was something I needed. I got a letter in the mail saying I got approved about 3 weeks later. The was the last letter I ever received. In the last 6 months I didnt receive a card, no mail, a XXXX $ charge, ( which doesnt make sense if I never received the card ). I have called Barclays Bank to resolve this issue and they cant locate this account anywhere, and it still shows on my credit file. I have submitted XXXX disputes to close this account on XX/XX/XXXX and XX/XX/2021 because Im sure someone did some type of fraud with my information. This account shows as open on my credit file with great payment history but I havent made any payments since I have no access to it. An account number was never provided, no info was ever provided. They keep sending me emails that I have to make payments for an account that cant be located in their system and was charged XXXX $ without me ever receiving a card. I have called Barclays more than 10 times in the last 6 months and nothing has been resolved. I have good credit that I worked very hard to build and I dont want this to ruin it. I dont understand how it can appear in my credit file but yet they cant locate it with my Social Security XXXX or any of my information. Please help.

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 2021-08-04
Company: EQUIFAX, INC.
State: WA
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:
Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  # XXXX XXXX, GA XXXX XXXX, WA XXXX To whom this concerns, XX/XX/2021 On XX/XX/2021, my wife and I both filed disputes with Equifax sent by Certified Mail. Both of these Disputes were received by Equifax on XX/XX/2021. ( Copies of both letter/ and Certified Receipts are included here. Along with a complete Identification used in making my Dispute ). In addition, I also sent like Disputes to both XXXX  & XXXX. Where I have received Investigation Results from each using the exact same Identification Information and similar Dispute letters.

Equifax then refused to conduct the Required Investigation on the basis that I needed to provide additional identification in identifying myself. The item you choose MUST contain your complete 9-digit Social Security number. The Certified Credit report used in consideration of a Home Mortgage was provided and clearly demonstrates that Equifax accepted my Identity in selling my Credit Files to them on XX/XX/2021. Which was in turn sold by them to XXXX XXXX XXXX in consideration of a Home Mortgage. Which is clearly stated in my letter of Dispute.

In addition, Equifax also required : Please make a copy of one of the following items. Drivers license. ( see attachments ). Which was noted in my letter of Dispute, twice, and included with the Dispute. Then, you chose to send your Notice to the same Name and Address Equifax claims they have no file on? Which either demonstrates Equifaxs willingness to provide a Notice to some anonymous person you knowingly dont recognize, using my name? Or, demonstrates a Willful Noncompliance with the Federal Law : 15 U.S. Code 1681i Procedure in case of disputed accuracy.

Here Ive demonstrated the exact same information that was required Equifax, a second time. Where I now require that Equifax Delete all of the account information contained in my Dispute for Willful Failure to Investigate said accounts in the prescribed time-frame of, 30 days. As youve clearly SOLD my file to the identical information provided to you. 
Regards, XXXX XXXX XXXX CC : CFPB FTC WA AG File

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Hello My complaint is with Experian credit reporting agency. I have been requesting that the stop CHARGING my account each and every month. This has gone on for over a half a year. A guy named XXXX never cancels it but rather always asks me for my credit card number. I have made it abundantly clear that I should not have to give my information to cancel my membership. I tried to go onto the website to remove my card but, they wont remove an existing card UNLESS you put a new card first. This is unscrupulous behavior on the part of Experian. I have had with this bureau. They also lowered my score 16 points for NO reason.

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 2017-09-20
Company: PNC Bank N.A.
State: PA
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:
In XXXX of this year, PNC Bank closed a XXXX card I held with it since XXXX. I filed a complaint with the Better Business Bureau immediately after. The facts are set forth below. The business was having issues with its mobile payment system. Despite informing its consumers via email, it refused to wave late and interest fees on my account as a result of its system malfunction. The business later closed my account and insisted that it was a my request, which is false. 

I made a payment to my account on its due date of XXXX XXXX, XXXX. There were continual issues with PNC 's mobile app that day ( this has been noted contemporaneously, and copies of said notice from PNC are attached ). Because of said issues, the payment was not submitted until after the cutoff time of XXXX XXXX on XXXX XXXX, XXXX. The representative I spoke with on that day coached me through making the payment via your website because of the issues with the app. They also confirmed making notation to my account of the issues, and assured that any fees in conjunction with the payment being potentially late would be reversed. 

On XXXX XXXX, XXXX, I advised a representative of my XXXX XXXX, XXXX experience, and asked that she review the notes accordingly. Her response was that her supervisor would return the interest to my account, but not the late fee. I replied that if, and only if PNC would not comply with its own policy concerning reversal of late and interest fees as well as the Fair Credit Billing Act ( FCBA ), I would institute proceedings to close my account. 

When speaking to the bank on XXXX XXXX, XXXX, XXXX XXXX credited my account {$25.00} for the late fee, and explained by admission, that what occurred on XXXX XXXX, XXXX was not standard protocol or PNC 's policy. And that PNC would not waive just interest, and not the late fee. Whether my inquiry to the Better Business Bureau prompted this response from PNC is unknown. But I was certainly not advised that it were returning the late fee as a courtesy, but rather to be in compliance with the bank 's own policy, which clearly was not carried out on XXXX XXXX, XXXX. 

While subjective, I would argue that PNC not complying with FCBA, and its own policies would be grounds to forcing my account closed. Further, if my account was closed due to misinformation and PNC 's position remains concerning reopening my account, which was only closed because of information and misrepresentation and non-compliance of its own policy, I have no choice but to request that the BBB document this matter for public consumption, and escalate this matter to the Federal Trade Commission, State Attorney General, and the three ( 3 ) major Credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal has locked my account and this has caused me to be unable to take out my funds which is 85 and thats a lot of money for me and I really needed it I tried contact them but they said I need to wait 180 days but I really need my money quickly

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've been a victim of identity theft. The inquiries listed should be removed for these are fraudulent and inaccurate. Inquiries : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My checking account was compromised by one of the tellers at the Citizen 's Bank, XXXX XXXX XXXX location in XXXX. I had someone deposit money into my account. The teller in XXXX  gave the person making the deposit a receipt with my balances on it. Which is a clear violation. When I contacted the bank the woman said she was the teller and there was no manager at that branch and she terminated the call. I have receipt she gave gentleman who made the cash deposit into my account and can fax or attach to an email.
{$100.00} deposit was made at Citizen 's Bank XXXX XXXX XXXX XXXX Wednesday, XXXX XXXX, 2017 XXXX Teller Number : XXXX Bank : XXXX XXXX : XXXX Transaction # : XXXX Desired Resolution : Applicable FTC Fines be paid to me and I would like not only to be compensated for the banks error I would like them to formally apologize and to ensure it Never happens again. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Home mortgage with Wells Fargo. Mo pmt is about {$650.00}. I pay {$350.00} every two weeks through auto deductions. Problem is that WF keeps the first {$350.00} and holds it until the second {$350.00} pmt is rec 'd and then they post a pmt to my acct. Should n't I get interest for two weeks worth of {$350.00}? -OR- Should n't I get credited immediately for each {$350.00} pmt they receive? WF just tells me it 's the way they do business. -OR_ Would it make more sense to pay {$700.00} every four weeks. The goal is to pay a bit more than I owe each month and to get in an extra payment every year.

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 2017-07-28
Company: EQUIFAX, 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:
some time on and around XXXX 2017 an inquiry show up on my credit report. the company is XXXX XXXX XXXX address at XXXX XXXX XXXX XXXX iL XXXX I have notify Equifax and XXXX. XXXX contact the company and they remove but no not Equifax. I never apply for credit and I contact then and they told me that they do not take for customer

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: WESTERN UNION COMPANY, THE
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I contacted western union XXXX XX/XX/XXXX to make a bill payment to my Mortgage company XXXX XXXX. I used my Mastercard ending in XXXX. I am a XXXX XXXX Veteran who is on XXXX. The amount was for {$1000.00} MTCN XXXX. On XX/XX/XXXX I went to use my card and it was declined. I looked at my account to find Western Union had made an unauthorized charge to my account on on XX/XX/XXXX for the same amount of {$1000.00}. I immediately contacted them. They advised it was a glitch in their system they are fixing and my account would be refunded. .They gave a case number of XXXX. I called them four other times to be told it would be refunded. On XX/XX/XXXX I called again and they asked to have a copy of my statement which I previously asked if they needed. I sent it in. they gave another case number of XXXX. I contacted them again XX/XX/XXXX and the matter is still not resolved. I am still getting the run around. The money is not back non my account, my other bills are bing returned. I am beyond horrified by their actions and lack of customer service in resolving this issue. I need immediate assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We represent the seller on a short sale of his home. XXXX issued a short sale approval letter to our office on XXXX XXXX via our equator account. That approval was dated XXXX XXXX, but we only rec 'd it on XXXX XXXX. We informed them at that time that buyer had a loan to get approved and we would not be able to close by the deadline of XXXX XXXX contained in the approval letter. On XXXX XXXX, we requested an extension of the approval good thru XXXX XXXX. All docs requested by XXXX in order to review for the extension were sent to XXXX via equator on XXXX XXXX. On XXXX XXXX, XXXX closer messaged us that the extension was approved and that she would send the revised extended approval letter to us via equator as soon as it was generated by the QC dept. We repeatedly messaged and called over the next XXXX weeks to ask where the extended approval letter was and why it was taking so long to get issued. They finally got a supervisor involved who said we could submit for a final HUD approval without the extended approval letter. We informed them that we could not do that as the buyer 's lender required a copy of the extended approval in order to get their clear to close. We are still waiting for the extended approval letter and are now in need of another closing date amendment since the XXXX XXXX estimated closing date that we set back in XXXX XXXX is now past.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: Professional Debt Mediation, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I went to check my credit and it says I have a debt with a energy company from when I was XXXX XXXX XXXX and Im currently XXXX XXXX XXXX and I live and XXXX and I wanted to know if I could get that debt off my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
refuse to investigate unauthorized credit inquiries ( XXXX inquires currently - XXXX XXXX XXXX XXXX and XXXX XXXX ).
refuse to provide proof of verification paperwork and process of XXXX negative items on my credit ( XXXX XXXX XXXX and XXXX XXXX XXXX ) these items do not belong to me, yet Experian continues to list them on my file with out proper investigation.

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 2022-01-17
Company: EQUIFAX, INC.
State: FL
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XXXX XXXX, 2018, I withdrew XXXX BTC from XXXX and transferred this amount to GDAX- owned by Coinbase . I still have not received my BTC. There is NO response from support, even though I have sent 3 emails asking for help. I have transferred coins and fiat for many months between exchanges around the world. The longest time it has taken has been 4 hours. GDAX states it will take 24 hours- it has now taken almost 5 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Hello I have sent them Dispute letters for all the closed accounts of incorrect numbers and dates on my credit report and no change has occurred under law if there is incorrect or error in my report they should be deleted via 609

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 2019-05-21
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/19, PNC Bank incorrectly charged my checking account {$100.00} in overdraft fees ( 3 fees of {$36.00} each ). The fees forced my account into a negative balance of {$100.00}. Absent these fees, my account had a positive balance of {$7.00}. I work 2 jobs to cover my expenses and do not have excess funds to give the bank for excessive fees. Therefore, I have not deposited any additional funds into my PNC checking account. 
I called PNC customer service on XX/XX/19 to ask if PNC would reverse the fees. The representative said he could not. He stated that the ( cash ) deposit I made on XXXX on XXXX was pending. I pointed out that the items for which I was charged overdraft fees were pending as well ( {$38.00}, {$1.00} and {$12.00} ). I then asked to speak to a supervisor. After being on hold for about 10 minutes, I was told there was no supervisor available but one would call me within 24-48 hours. I never received a call. 
As a result of the situation created by the bank, automated debits since XX/XX/19 have been returned, resulting in 10 fees, for a total {$360.00} in fees. 
I am requesting that the bank reverse these fees and credit my account for {$360.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-17
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 have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022.

Company response to consumer: Closed with explanation