BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-27
Company: PNC Bank N.A.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have been with PNC Bank for 21 yrs. On XXXX/XXXX/2015 I rented a car for 49 days. The total for 30 day rental is {$530.00} so 49 days would come to roughly {$870.00} or close to {$900.00} I wave all extra coverage at the counter & soon after I pick up the rental from XXXX XXXX car in XXXX Fl, they begin to charge my card excessively. I immediately contact the company & even was told by a representative that I was indeed being over charged & was referred to corporate however never being able to reach a live person nor getting credited for the excessive charges to my debit card. I never used my pin, always credit yet when I began my dispute with my bank, they continued to allow my credits to be reversed after I cancelled my card, as well as faxed all receipts & correspondence directly to the escalation dept handling my case. I am still batteling the bank & have been charged excessive fees, my electric was shut off, I had no cable, internet or phone therefore my child couldnt attend school, I could not work & my mother had no oxygen due to all of this! Many of my pay checks have gone into this account, only to be absorbed by negative balances because of the banks lack of professionalism in having one person handle my case but more hands in the cookie jar caused nothing to get done & myself as well as my XXXX children suffered.

Company response to consumer: Closed
Consumer complaint received 2016-06-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
After canceling XXXX XXXX they billed me for contract extension -- - {$160.00}. and, on numerous occasions I said I would pay as soon as their equipment was removed form my roof. Once they said it would be done when a technician was in the area. Once I was able to finally get the equipment removed I promptly paid the {$160.00}. Meanwhile, XXXX XXXX sent their bill to XXXX. I wrote XXXX explaining matters and cautioned them to do nothing to cause a negative effect on my credit record. Despite this, XXXX ruined our score, and has not taken necessary steps to return it to the 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 2016-12-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXXXXXX XXXX To Whom it May Concern : Experian XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Credit Card XXXX. 
XXXX XXXX & XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Credit Unions XXXX XXXX BANK XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financin Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-29
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I requested replacement cards for two of my credit cards that i could not locate at the time. I never received the replacement cards. Instead, they were activated and used at XXXX  stores and a XXXX  store in XXXX on XX/XX/XXXX and XX/XX/XXXX ( {$2400.00} on one card and {$99000.00} one the second card ). I called it in as fraud but was denied the claim because the cards were allegedly activated from my phone number. I immediately filed a police report ( which to the best of my knowledge is still ongoing ). I spend tens of hours on the phone with the barclays fraud department insisting that i have never received the cards and that they were activated by whoever stole them from my mail box - but to no avail. I submitted proof to that effect in the way of telephone records from my provider proving that i never made the phone calls they claim i did ( the activation calls were made on XX/XX/XXXX according to barclays ). After submitting the phone records, the charges were temporarily removed. But now i see the charges were reinstated ( despite the phone records i submitted ). I see no other option than to turn to the CFPB for help with regard to 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 2017-06-23
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My Company applied for Business Credit Card and it was never indicated in the same that they will run my personal credit report also. It was assumed that this is business credit card from XXXX XXXX Application ID XXXX. They denied the card personally to me where I never applied for the card on personal name and they ran the hard enquire on my personal name. this seems to be complete fraudulent activity causing damage to me.

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 2022-07-25
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I applied for the Barclays XXXX XXXX card on XX/XX/XXXX and have had multiple issues with this card ever since that date, none of which are resolved by calling into their customer service. 

Upon applying online for the card, an offer was made for a 0 % apr balance transfer from any card I prefer. This offer/checked box on the online form showed no direct information of being applicable to have a fee, nor did the brochure spell out a fee involved. Nor was there a popup of any kind to notify me of the fee. 

3 weeks later, I went to use my card on vacation and was decline, at this time I had made at least two payments even though I had yet to receive a formal bill. Multiple times that day my card was declined. I checked online and was over {$1000.00} away from being close to my limit. I called and was told my balance transfer had been completed and that it counted against my available credit limit. At the time I requested a balance transfer, I received no confirmation that it had been accepted or had actually taken place, no text, mail or email explaining the balance and the website did not reflect it. 

I kept sending payments to help get the balance down, even though no bill had been issued. 

Today ( XX/XX/XXXX ) I was checking into my statement and see a fee of {$90.00} that occurred on XX/XX/XXXX, for a balance transfer. I called and they told me there was a fee charged to do a balance transfer ( the transfer they never made me aware that had occurred, and along with a fee that I was never notified of or made aware of ). Currently, I'm still on an hour hold waiting to speak with a supervisor who's employee has already told me that I should've been aware of this " fee '' when I applied ( though there was no notification on their website while applying for the card when the transfer " special '' was offered ) and that I should give up because no one will credit me that fee back. 

Again, never received any mail or email or text confirmation that any balance transfer had been completed in any of this time frame. 

I'm at wits end with this card and feel so taken advantage of by this organization and at the way the card was promoted on the XXXX XXXX flight we were on. No one ever seems to be able to resolve my issues when I call them and they leave me talking to brick walls over sneaky and unethical methods to charge fees to unsuspecting credit card applicants and users. 

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 2016-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Not a duplicate Update-You are in violation of the FCRA in not deleting the late payments on XXXX account # XXXX. I have included this time proof, a corrected copy of my credit report from ( XXXX ) showing these late payments have been removed from their records. It is 9 months over due on your records. Please remove the late payments if you are still showing them on my account.

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 2016-06-20
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian Credit tracker is using terms like account transferred, closed and paid as derogatory information, thus bringing down my credit score. Experian proper, which is a separate company from Experian credit tracker, tells me there is nothing wrong with my credit report. I have talked to many people in the last month, and they are always working on it, and I am paying XXXX a month while they " work on it ''. XXXX XXXX will be my second payment. Even if they solve it today, the way they have treated me is disgraceful. Now Experian Credit Tracker is doing an investigation of my credit, and they will find out the same thing. I think they will never solve it, and just want me to give up.

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 2019-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8000.00}, {$10000.00}, {$12000.00}, {$18000.00}, {$35000.00}, {$30000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8000.00} -This is not my account. 


-- CLOSED ACCOUNTS -- 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$12000.00} -This is not my account. 

-- AUTO ACCOUNT -- 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$18000.00} -This is not my account. 


-- AUTO ACCOUNTS -- 5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$35000.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$30000.00} -This is not my account.

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 2019-12-29
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8000.00}, {$10000.00}, {$12000.00}, {$18000.00}, {$35000.00}, {$30000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8000.00} -This is not my account. 


-- CLOSED ACCOUNTS -- 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

3. XX/XX/XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$12000.00} -This is not my account. 

-- AUTO ACCOUNT -- 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$18000.00} -This is not my account. 


-- AUTO ACCOUNTS -- 5. XXXX XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$35000.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$30000.00} -This is not my account.

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 2017-06-23
Company: Experian Information Solutions Inc.
State: CA
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:
1. Ex perian reuses to give me written explanation as to WHY what was exact reason EXPERIA REMOVED  XXXX   XXXX  from my report. It appears to me that every complain I make Experian intestinally causes me more harm. I will consider this a willful act to cause me harm. I am seeking legal advice.   XXXX  Please post this and forward to FTC.

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 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Unauthorized inquires on my Transunion credit report, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-25
Company: EAST WEST BANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Dear sirs, Need your help I had the following Two checks deposit into one foreign Trade company in XXXX, they assigned the name of accounts as beneficiary with East West Bank in XXXX XXXX, California ( details will advise per request ). 

Both checks already withdrawal from my equity loan account with East West Bank. 

Here are the details as below : XXXX XX/XX/22 - {$200000.00} XXXX XX/XX/22 - {$22000.00} Confirmed with East West Bank XXXX XXXX were completed. But the dealer- XXXX XXXX in XXXX just said they received both but want me to deposit {$46000.00} more. If not, the deposit money of {$220000.00} will lost. 

Also with the companys information they provided, after phone conversation with the company in XXXX, no such person in their company. 

In the meantime, I already informed East West Bank the mentioned issues and they just told me today they are unable to help. 

Please let me know what can I do to recovery the money, details as below : No Date Amount Bank XXXX XX/XX/22 XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XXXX : US {$220000.00} For the questions that you may have, you can reach me at my cell # XXXX. 

Also, please do not let my husband XXXX XXXX know, he have severe XXXX now and I will do my best to find the solutions first. 

Your help will be truly appreciated. 

Thanks, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I NEVER filed chapter XXXX bankruptcy. XXXX is reporting ( acct # XXXX ) that I did a chapter XXXX bankruptcy which is a complete lie. Today I received the results of an investigation from a dispute I did with transunion numerous times. It is still reporting as paid through chapter XXXX. My biggest question is how can a bank report such a lie. I also did this dispute again probably for the XXXX time and transunion told me it would take approx 30 days for the results of the investiation. There investigation was way too quick and I feel they did n't even investigate it properly. The rep at transunion told me that within 24 hours this will be internally removed as they saw I NEVER filed chapter XXXX. It is still reporting on my credit report. I have spent numerous days and hours on the phone plus writing letters requesting to please remove this wrong information as it is affecting my credit score in a very negative way. I have also contacted the XXXX XXXX XXXX in regards to this as they are breaking the ftc law. I am submitting this complaint again as having this wrong information reporting and transunion. I am also submitting this complaint as I had a tax lien in the amount of {$990.00} that was paid. For some reason it is reporting as XXXX tax liens XXXX for {$890.00} and another XXXX for {$100.00} which adds up to the true amount of {$990.00}. Another credit reporting agency has verified and corrected this finally for me but transunion did not do a proper investigation as it would have been verified and corrected. Having all this negative untrue wrong information is affecting me in obtaining substantial 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
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A.

States I have the right to privacy. 15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-14
Company: ADP Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/22 i noticed that XXXX  someone was making unauthorized purchases with my card. I could only see that XXXX charges were pending for XXXX, {$290.00} and {$190.00}. I called my card and informed them on XX/XX/22 at XXXXXXXX XXXX They froze my acct. I made them aware that i am still getting notifications that my card is be declined at XXXX and some one is still trying to use it and that all XXXX  charges are unauthorized. Then on XX/XX/22 while my card was still locked they released XXXX payments to XXXX for {$250.00} and {$180.00}. XXXX not sure why they did this on a locked account. i called them and they said they had to do this to go through the process of fixing my acct and " i was not to worry ''. Their card holder agreement state that if i report the charges within 2 days of knowing about it that the most money i would lose is {$50.00}. They are refusing to give me any of the this money back.

Company response to consumer: Closed with explanation