BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-21
Company: Experian Information Solutions Inc.
State: OH
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:
Disputed XXXX XXXX account 
Address , name , account isnt mine hasnt been properly verified

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 2017-01-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I was a long time customer of Citizens Bank. I decided to close my account because if the bank 's investment policies in 2011. I 'm glad I did because they have not improved their investing standards -- I stand with others removing funds due to Citizens ongoing support of XXXX. I will work tirelessly to convince others to join me in doing so until your institution ceases investing in XXXX XXXX, XXXX XXXX XXXX, and XXXX. I refuse to be a silent participant in your decision to support the destructive fossil fuel economy in general, and the XXXX ( XXXX ) in particular. The XXXX threatens air and water quality and violates sacred lands of the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Hello, I am trying to get the bureaus to remove these incorrect inquiries. I am trying to purchase some property these incorrect items on my report are halting the process heavily. I am at a loss at to what to do now and have not heard back from the three credit bureaus since I first did a report. It has been over 30 days and I would like these items removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Over the last 90 days I have contacted the Transunion and XXXX regarding unauthorized hard credit inquiries on my credit report. I have initiated disputes with each company and no changes were made. 

I have mailed in a letter stating the unauthorized inquiries that should be removed and no changes have been made.

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 2016-01-22
Company: JPMORGAN CHASE & CO.
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Chase Bank purchased my mortgage from XXXX XXXX. My mortgage contract does not block or prohibit making partial payments. Chase Bank is not properly crediting my account with partial payments and those payments are sitting in an unapplied fund status in excess of my monthly balance due. Chase Bank is harassing me with past due phone calls even though the sum of my payments are currently in excess of the amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21
Company: WELLS FARGO & COMPANY
State: MN
Product: Credit card
Issue: Transaction issue

Complaint:
Wells Fargo denied my claim to dispute a charge of {$15000.00} to a company named XXXX. The reason for their denial was that the company furnished a contract and claimed they rendered service. This company is a scam, selling online business and a coaching program. They flat out lied to me about everything. They sold me an online business that they said would be profitable making $ XXXX in months and $ XXXX a year $ XXXX in 3 years. Not only did I not make a penny, they never provided anything more than a 5 minute phone call every week and a non-functional website. They are getting away with scamming unsuspecting consumers and my bank is helping them. Is it Wells Fargo 's right to take the companies word over their customers? To decipher a contract and decide what was and was not done. When you research this company there are dozens of complaints similar to mine. Furthermore they sold my name to about a dozen other cons.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: Shellpoint Partners, LLC
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had a fixed rate mortgage and a set payment of XXXX. Now after my mortgage being sold 3 times it 's now XXXX. Now I 'm late month after month because it 's doubled

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hey my name is XXXX XXXX XXXX XXXX and Im here to report a fraudulent XXXX credit account that was opened using my information. 

This account was then maxed out and charged off by the XXXX credit company. 

This account has negatively impacted my ability to obtain good credit. 

I disputed this account with XXXX XXXX XXXX deleted the account so how is it that TransUnion and XXXX still reporting it?! 

This account isnt mine and it was fraudulently opened! Please removed this account from my credit Reports by TransUnion XXXX XXXX 

Thank u

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 2022-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is a formal complaint against TRANSUNION located in XXXX XXXX XXXX, XXXX, XXXX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, TRANSUNION has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon. 

XXXX and XXXX XXXX alleged accounts shows the following inaccurate reporting : Close date is reporting as incomplete. 
How can a closed account still have a pas due amount? 
Dispute status is reporting as Account not disputed which is not true. Creditor remarks states account was disputed. How can they have verified and confirm that this information is completely 100 % accurate? 
How can a closed account still have a pas due amount?

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 2016-11-30
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I became friends with a gentlemen I met on XXXX, who explained he was a XXXX over in XXXX XXXX. After we had talked for a couple of weeks he asked if I would help bring him home early for the holiday ( XXXX ). I asked why his family was n't helping him, and he said that his father had died in service and his mother recently in a car accident. I felt really bad, so I asked what I could do to help. I told me that he needed to transfer {$3000.00} into my bank account so that I could then send it to his agent in Texas. She would then send him his ticket home. I know nothing about the military, but have always wanted to help in some way. I felt I was helping this man ( he went by the name XXXX XXXX ) get home and out of harms way. So he then, asked for all my bank info and assured me that it was his money going in there for his ticket home, and all I had to do was wire the money to his agent in texas. He even sent me a picture afterror the {$3000.00} was transferred into my account. The next day I wired {$1500.00} ( with transfer fees it came out to a total of {$1600.00} ). That was the max amount, because then my bank account was frozen. After the money was sent XXXX XXXX stopped talking to me. When my friend looked him up on XXXX, he had several new accounts. I sent an alert to XXXX that the accounts were fake, and they were then taken down. Days later the scammer was back up on XXXX and you can find him there today. The next day I received a call from the fraud department from my bank telling me that my bank account was drained. I went into my local branch, unfortunately the man I had never dealt with fraud before, and was confusing me. After I explained the situation to the bank, I then went and filed a police report as well, like the bank requested. I was told that my bank account would only be frozen for 10 days. Then First National Bank increased it to XXXX. ChecKS bounced, I could n't cash checks, and now they are telling me I have to pay all this money back! 
I was scammed, I do n't even make that much money in a month! I thought I was trying to help someone, and now I 'm the one paying for it. That is not right.

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 2022-01-31
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2022 I authorized a payment over the phone for the amount of {$18000.00} to Truist bank. This amount was my pay off balance, as provided by Truist. The total amount cleared my Savings account with XXXX XXXX XXXX on XX/XX/2022. 

Truist is alleging a " payment reversal '' for the amount of {$18000.00}. The reasoning provided for this reversal is that there was " no account associated with these funds. '' I have sent Truist 's loan department a summary of transactions from my savings account that show the full amount {$18000.00} being cleared from my account. XXXX XXXX XXXX informed me that there is nothing pending on this transaction nor are they seeing a reversal initiated. No one from Truist is able to tell me where my {$18000.00} is. 

My concern is that I am now missing {$18000.00}, and I am further in debt than I was on the date I tried to pay off this loan as it has since accrued interest.

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 2022-01-31
Company: BSI Financial Holdings, Inc.
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I applied for a homestead exemption for property taxes in the state of Indiana and got approved last year. I received the reduced tax liability from the state sometime in XXXX last year ( I think ) I reached out to my lender sending XXXX different emails regarding the reduced taxes to be collected this year and received no response. Finally I called last year to confirm if I needed to send documents and they told me on the phone that they regularly update that information and I dont need to worry. I see my new statement and theyve still charged me the elevated taxes. I call and the woman told me they would check and get back to me and that it takes 3-5 days. Still I emailed documents that confirmed I was approved for homestead exemption that reduces my taxes by a significant amount. This was on the XXXX of XXXX. No update, so I call back on Friday and Im given the run around again. The woman said she will call back once she hears from the concerned department. I never got a call. So I call again on Monday ( today ) and its the same answer- Ill get back to you - give us 72 hours. This company overcharged me for Escrow last year and Im supposed to be getting $ XXXX back as a result. They will do it again. Its not right and I dont appreciate the way theyve been treating my case. If the state has sent them my property tax assessment why are they charging me more. There has to be some recourse for a company that has a history of breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: Paypal Holdings, Inc
State: MS
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX XXXX, 2016, I odered a XXXX product from XXXX online for {$96.00} which I paid in full through my PayPal account. They received my payment instantaneous. The shipping is free and suppose to arrive 2-4 business days. There 's no customer service contact number. All communication is done via email. I later find out that their address that 's displayed on their website isnt all the way correct. On XXXX XXXX, 2016 XXXX tells me a woman called in and requested that my package be returned back to sender. For what? I do n't know! I 'm very upset because this was supposed to have been a XXXX gift for my daughter. When I emailed them on that same day telling th how upset I was about the whole order process and especially not having a customer service contact number for situations as this one. This company has not responded yet. Today is XXXX XXXX, 2016 and I still have n't received my Oder or refund. I 'm a mother of XXXX. My youngest just turned XXXX old on XXXX XXXX. I ca n't afford for this company to rip me out of my money. I work hard for every dollar that I make. This company is wrong for doing this to me and ruining my daughters XXXX! What really bothers me is that this company still has my money and do n't have the decency to respond to my emails. I order through XXXX and EBay all the time and never had a problem. Never again will I Oder from this company. I have nothing good to say about this company. I even dislike the name of this company. The whole ordering process has been nothing but XXXX!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-21
Company: EQUIFAX, 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 XXXX Account # XXXX, has violated 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX Account XXXX XXXX has violated 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: U.S. BANCORP
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Ca n't close 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 2022-01-31
Company: PNC Bank N.A.
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:
Account name : PNC BANK, N.A. Account # : XXXX. Delete PNC FOR REPORTING AN ACCURACIE. previously disputed account. During the investigation XXXX followed the rules and DELETED the account. XXXX and XXXX did not and are in current violation of my rights! XXXX and XXXX, did not complete the investigation in the allotted time of 30 days, I sent a CFPB COMPLAINT and they still did not delete it in the allotted time this is HARMING me and it is {$1000.00} violation from each company, respectively. In addition to that they are not reporting the same information which is a VIOLATION in itself because everything is supposed to be accurate and if its the same account and its not saying the same thing its not accurate. 1. ) Date of last active illegal {$1000.00} violation XXXX is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX See Red marks on Attached. 2. ) In a separate dispute I demanded they prove proof of payment for the month of XX/XX/XXXX which they are reporting on the XXXX as OK which is inaccurate which is grounds for the entire account to be deleted I sent an account verification back in XX/XX/XXXX They have not responded today is XX/XX/XXXX Which is way more than 30 days Now they have illegally altered the information on the account since then, I have documented proof of my credit report stating the truth and now they are changing things to make it harm me. Delete Pursuant to the FCRA & the FDCPA I now exercise my lawful right to question the validity Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation, which is a very reasonable period. I have received no reply from your company. Since you are still reporting this account on my credit report, you are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect from you by filing a claim in small claims court. I intend to follow through with the suit if I do not hear back from you within 15 days. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. - I demand this account be deleted from my credit report on all three bureaus and the other consumer reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
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: Investigation took more than 30 days

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

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 2022-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

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

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 2016-12-01
Company: Paypal Holdings, Inc
State: IL
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
Unable to purchase goods online. Using Paypal is the only allowed vehicle. Can not enter my credit card information without using this service. They have a XXXX. I have verified my information with Paypal numerous times, they still deny me.

Company response to consumer: Closed with explanation