BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-10
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX I submitted a mortgage loan estimate request through XXXX XXXX XXXX XXXX ( XXXX  ). Undenounced to me, I had already met the unknown and unpublished 80 % home loan threshold at XXXX XXXX XXXX XXXX and was later told they could approve a third of what I wanted. Had I known or had any transparency from XXXX I wouldve never requested a mortgage loan. Also, I never approved a hard credit pull but instead was requesting information. Please remove this hard credit pull for a mortgage loan as I am reporting you to the authorities. I'm willing to bring in legal counsel to aid in this resolution if necessary. Remove hard credit pull from all three credit bureaus. 

This is not a duplicate dispute and should not be marked as such.

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 2019-05-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2019 USAA FEDERAL SAVINGS BANK LET SOMEONE DEPOSIT A FRAUDULENT CHECK FOR XXXX AFTER LETTING THEM CHANGE MY ONLINE INFORMATION WITHOUT MY PERMISSION NOW THEY HAVE TAKEN XXXX OF MY MONEY AND WANTS ME TO PAY ANOTHER XXXX DOLLARS TO COVER THEIR MISTAKE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This involves a banking issue with a checking account with the following bank : PNC Bank National Association ( Routing Number : XXXX ) XXXX XXXX XXXX XXXX, XXXX, PA XXXX, XXXX ( XXXX ) XXXX Check forgery/fraud incident not resolved after 8 months ; funds fraudulently withdrawn ( stolen ) from account have not been reimbursed. I am filing this complaint on behalf of my XXXX old mother. Her statement is below : I have banked with PNC over 25 years, and it was not until XX/XX/XXXX that I experienced check fraud. Checks written out to pay various service providers had been intercepted in the mail, forged and cashed. This happened three separate times - XX/XX/XXXX, XX/XX/XXXX and then again in XX/XX/XXXX. The first time it occurred, PNC opened an investigation and promptly refunded the amount fraudulently withdrawn from my account. The second time, PNC investigated and quickly refunded the account. When it happened the second time I went ahead and placed a stop payment on all of the checks that were mailed out at the same time. However even though I put a stop payment on the checks, there was a third incident involving a check I requested to stop payment on a check that was written in an amount less than {$100.00}. The forger changed the amount to {$850.00}. A new investigation was open ; however, PNC has not refunded my account for that stolen {$850.00}. Apparently, there is an ongoing dispute with XXXX Bank to get the money back and that is what's holding up the reimbursement to my account. It has been more than 8 months with no movement or resolution. Meanwhile, adding insult to injury, PNC Bank started charging insufficient funds fees to my compromised account, even though the bank was aware that my money had been transferred out to another new checking account while investigation underway. I have contacted the branch manager multiple times as she has helped with documenting the previous investigations. She has continued to state that the investigation is ongoing. I escalated multiple times within PNC just to get no response or the run-around. PNC refuses to reimburse the lost funds until XXXX XXXX ( the bank which cashed the fraudulent check ) finishes their investigation ( no timetable ). It has been far too long, and I should not have to continue to endure this inconvenience. I am XXXX XXXX XXXX and need my money. Being out of {$850.00} for this many months is a complete hardship for a person on a fixed income. 
I am submitting this complaint with the hope that the CFPB can influence PNC and XXXX Banks to resolve this matter before years-end with reimbursement to my account and prosecution of the forger. 
Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-25
Company: Carvana Group, LLC
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I bought a car from Carvana, before learning of their terrible reputation for selling faulty vehicles and failing to honor their warranties. My car broke down on the interstate last Saturday. For the last week I have been trying to get their subsidiary company to tow my car to a shop for assessment, they refuse to pay for the tow ( which is covered by the warranty ) and during this time I have been forced to pay out of pocket for transport to and from work. Until my car is operational or a replacement has been provided it doesnt make sense to me to pay for this vehicle while the company I am paying is not holding up their legally agreed upon end of the deal. This report is to protect my credit from being harmed by this maliciously derelict corporation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 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 explanation
Consumer complaint received 2022-11-30
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-05-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
When I opened a business checking account, the XXXX banker offered the credit card. I initially declined until she said its beneficial for separating business expenses for tax purposes. 
I did not hear back from XXXX for quite awhile until they asked me to submit our XXXX. I did. Th ey asked me for a bill. Living in a military base does not give me a utility bill, which I explained to XXXX 
On XX/XX/XXXX, I asked about the application. I was told I needed to submit my XXXX bank statement. I called. A second time because XXXX never gave me information on how to send the document, the fraud agent told me to fax the document. I informed him I dont have a fax machine. He hung up on me. I called the 3rd time, the 3rd fraud person told me he will send a link. I told the person I spoke with I do not want another credit check. Then, XXXX, though my personal account, notified me that a credit check was done on me for the XXXX time in 2 months that same afternoon. They never actually asked me if I wanted another credit check done on me. 

Today, XX/XX/XXXX, I spoke with the XXXX credit bureau specialist, XXXX, who told me they are authorized to do multiple credit checks at their discretion, by the credit bureau, even if I expressly did not give my consent. 

This is fraud!

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 2023-05-10
Company: Experian Information Solutions Inc.
State: MI
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-12-01
Company: PNC Bank N.A.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I am an XXXX XXXX XXXX elder. In XX/XX/2022, I was a victim of {$58000.00} XXXX XXXX XXXX Wire Transfer Fraud at : PNC Bank, XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX. 
Bank routing number : XXXX Bank Account number : XXXX Please investigate the {$58000.00} XXXX XXXX XXXX Wire Transfer Fraud at PNC Bank. Also, please FORCE PNC Bank to send me my {$58000.00} Probate Settlement Fund in a cashier check to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, # XXXX XXXX XXXX, Florida XXXX ( XXXX ) XXXX Mobile/Text XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Back in XXXX my mother needed help to refinance her home. I helped her and my name was on the statements. On XX/XX/XXXX they finalized the sale of the property and I was illegally locked out of my home. I did my research and they scammed me and did a lot of dirty stuff. I have a lot of information and I have been trying to figure it out and I got all the information I need. This is costing me a lot and is a very stressful situation. I waited 15 days for the company to respond and the company that was named was not XXXX XXXX XXXX XXXX. This is more in depth with the audit. Once they see the audit they will consider something. It was an illegal foreclosure and fraud. The audit explains in detail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I've notified Experian I was the victim of identity theft a year and a half ago and had locked and frozen my credit at that point. This weekend I had received notifications that my file was unlocked and there were applications that resulted in credit inquiries today. I called Experian and found out that my entire online profile had been taken by a fraudster they had changed the security question, email, and phone number leaving me with no access to my account with no contact from Experian. I have 2 active monitoring services and thanks to them I was able to catch this. I tried to question Experian on the changes made to the account and they had no answers other than it was a hack, how a credit reporting agency would accept substantial changes from a known fraud victim without a single question is beyond me. I have mailed and faxed them the identity verification bbut in the next 30 days that it takes them to validate I am myself I have no control over my own credit report and am unable to get a copy if I tried. I just feel they must be held to a higher standard as a financial institution of their size and influence or they will hurt other consumers badly. I had 2 applications come in this morning because this bad actor was able to unfreeze my credit and apply for a loan on a XXXX and an 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 2022-12-05
Company: WELLS FARGO & COMPANY
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
In XX/XX/XXXX, I sold my home and had several XXXXXXXX XXXX XXXX XXXX dollars in cash at Wells Fargo. Somehow, in the spring of XXXX, some account manager pestered me to open up all these other accounts because I had such a significant amount of cash in the bank. One of the accounts was called " prime checking. '' I guess I needed a XXXX XXXXXXXX balance in order to have " prime checking. '' For many years I did, but then I purchased a new house in XX/XX/XXXX and used all of my cash for a downpayment ( and the mortgage is through Wells fargo ). 

XXXX is charging me {$25.00} a month in fees since XXXX because I have {$7500.00} in that account. I complained in XXXX, and I got a few months of refund ( {$75.00} ), but I want the FULL refund. My by account, an additional {$100.00} in returned fees are due 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 monetary relief
Consumer complaint received 2023-05-10
Company: Experian Information Solutions 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 XXXX XXXX AM WRITING THIS ON MY OWN BEHALF WITHOUT THE ASSISTNACE OF ANYONE ELSE. In accordance with the Fair Credit reporting act 15 USC 1681 section 602A States that I have a right to privacy. The reporting of the account below are a violation of my prvacy. 

I have attached the documentation to reflect the incorrect reporting of the following accounts. The following accounts need to be removed right away due to being incorrectly reported and also as a violation of my privacy, I did not give XXXX, XXXX, or Experian written permission to publish this information. Per 15 USC 1681 Section 604 a section 2 states and agency can not furnish an account without my written consent.. XXXXXXXX XXXX XXXX XXXX XXXX  this account does not belong to me please remove it. FILE ATTACHED ... .... XXXX XXXX XXXX XXXX XXXX XXXX this account is not valid please remove or provided the means by which you verified this account, I want the names numbers and address of the person you spoke to in order to verify this account. FILE ATTACHED ... ... ... .DEPT OF EDUCATION ACCXXXX XXXX XXXX in the amount of {$1100.00} This account has three different account status types across each agency. XXXX has the account listed as refinanced Experian has the account listed as paid and XXXX has the account listed as derogatory. Payment status is listed as current with XXXX Experian has the account listed as a collection/chargeoff and XXXX has this account listed as late 120 days. Update this account to current or remove the entire account for inaccurate reporting. FILE ATTACHED US DEPT of ED account # XXXX in the amount of {$1100.00} this account is reporting incorrectly on all three reports. The payment status last date active and date of last payment show three different date. Remove this 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 2022-11-24
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a debit card in the mail from chime. I never opened this account. It is fraudulent. I want it closed immediately and I don't want any further accounts opened in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: Experian Information Solutions Inc.
State: CO
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 XXXX XXXX account that shows on my credit report is my mothers account and she has removed me as a user several times. I uploaded a chat session that shows there are no cards in my name and verified that I am not a user but they refuse to remove the account from my report. I have tried 4 separate times and they just keep updating to the current date and not removing it. My mother XXXX XXXX has asked for documentation that I am not on the account or a user of the account and they stated they can not provide documentation other than the chat attached as he is not a user or on the account to remove so there is nothing to provide.

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 2023-05-10
Company: Experian Information Solutions Inc.
State: MS
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam, You are in Direct Violation of The Fair Credit Reporting Act and the accounts listed below has violated several of my rights. 
15 U.S.C. 1681 Section 602 A. - Clearly states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2. - States a Consumer Reporting Agency can not furnish account information without my written instructions/consent.

15 U.S.C 1666B A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose. 
Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 

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 explanation