BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-31
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, I received an email from who I thought was PNC Bank asking for me to update my security questions. On XX/XX/XXXX, I had stopped at a XXXX to get food and my card was declined. I didnt understand why, I knew I had the money on the account. I tried to login to Online Banking on the app and website, and it didnt allow me too. So, I decided to call the bank and they told me that my account was overdrawn. They had told me that I needed to visit a PNC Branch to find out more information. Later that day, when I was able to get into a Branch, they had told me that somebody had disputed a transaction for {$1000.00} and had XXXX  it to a person named XXXX XXXX. They then continued to say that I was part of a scam. The lady who was helping me with the situation, told me that I had to pay the negative balance off. She even said they have decided to close the account and end my relationship with them. I was beyond confused and extremely upset that this happened to me. She said that was all that they could do. I then decided I didnt want to stop there, so I made an appointment at another PNC Branch to discuss with someone different. The lady I met with, was more helpful than the first, she tried her best to help me in this situation, but the bank still declined to help me with my problem. I had bills that were going out on the 1st and all of those bills bounced. For the past month, I have been trying to get PNC to understand the situation and it seems like they dont care at all. They did an investigation, but decided that they cant do anything more. They have decided to close the account and are forcing me to pay back the {$1000.00} + fees that came with my bills being declined. I would like answers and I would like a reasonable explanation on why I should have to pay back the money. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
This is a complaint about EQUIFAX. 

On the evening of X/X/2017, I found out that I was a victim in the recent Equifax credit bureau security breach. I have spent a long time getting my credit score, financial health and report to acceptable levels and now that am a victim of this breach, I worry constantly about my identity being stolen and all my hard work to be compromised. To be proactive, I have placed freezes on all my credit bureaus as well as placed a 90 day fraud alert on all my accounts. I believe Equifax should have notified me sooner of these issues, rather than try and cover their tails and I find it unfair that I have to go through all these measures due to their poor monitoring of their website. Their only remedy is to give 1 year of free credit monitoring, but the information that was stolen from their servers could affect me for life. Its not like I can change my SSN or DL number, or better yet my mothers maiden name. Now it feels like I will have to always be concerned about my identity being stolen, more so that ever now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
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:
I am a victim of the 2017 Equifax cyberattack that was announced in early XXXX 2017.
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The notes are, the bureaus arent following their own rules and guidelines, the 609 debt validation was sent as well as a demand to comply with no response.

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 2017-09-08
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My information was mishandled, which put me at risk of identity theft along with millions of others. I am a potential victim of the recent data breach at Equifax according to their equifaxsecurity2017.com site, so I would like a resolution. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Last XX/XX/2021 I've sent a letter but it's almost 30 days now but I haven't received any response. The following accounts were fraudulently used without my permission. I am a victim of Identity Theft. I suffer from stress because of this issued.

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 2022-07-12
Company: EQUIFAX, INC.
State: VA
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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: EQUIFAX, INC.
State: DC
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:
According to 18 U.S Code 8 the term obligation or other security of the United States include all bonds, certificates, of indebtedness, national bank currency , federal Reserve notes, federal Reserve bank notes, gold certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United Stamps. 


Ive been trying to resolve this issue for quite some time now. Im mentally stressed out and depressed because of this fraudulent bill thats affecting my credit report and my lifestyle that Im trying to provide for my children.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have been dealing with this over a year. A copy of my license and social security card along with a check book was stolen. The police in XXXX XXXX can not make a police report. In the past year my credit has been ran multiple times and every time I call Equifax they tell me that inquires are factual data. This is beyond frustrating I keep getting the run around. The FTC tells me to contact the credit agencgies. The inquires that are in question are as follows : XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: KS
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:
Equifax mishandled my personal information including name, social security number, address, birth date, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX/XXXX 2017, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. They furthermore failed to notify anyone for three whole months. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
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: Credit inquiries on your report that you don't recognize

Complaint:
i have multiple inquiries on my report that i do not recognize XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/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 2022-07-12
Company: EQUIFAX, INC.
State: VA
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:
Please be advised that XXXX  XXXX XXXX ACCT # XXXX or Acct # XXXX is attempting to collect on an expired debt. I am invoking my right to cease them, based on factual law that this debt in question is legally expired under the Statute of Limitations and Must be Deleted from my credit report the last date of activity was XX/XX/2018 I am completely aware of how long the debt is legally collectible and how long it is legally reportable. I realize an OPEN-ENDED DEBT is allowed to be reported to my credit for 3 years in the state of Virginia according to Va. Code Ann. 8.01228 et. seq. My research has shown me that often a collection agency and original creditors will reset the date of the original charge off to the date they purchased or sold it, thus trying to extend the reporting time in an attempt to force a consumer into paying it. I am informing you of this knowledge so that you can make the credit bureaus do the right thing. 

Also this account is showing 2 different kinds of account number XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am an an independent XXXX XXXXXXXX working as a sole proprietor Delaware XXXX under the name XXXX XXXX XXXX. I have a client, XXXX, located in XXXX XXXX. On XX/XX/2021 I, XXXX XXXX XXXX, issued an invoice to XXXX via XXXX XXXX XXXX in the amount of {$650.00} USD. XXXX paid the invoice with an American Express card via XXXX on XX/XX/2021. 

Approximately 10 days later XXXX discovered a fraudulent transaction on their American Express account unrelated to their business with me, XXXX XXXX XXXX. According to XXXX, when they reported the fraudulent transaction to American Express, American Express without notice or authorization from XXXX, proceeded to cancel and chargeback all transactions that had be made account during the proceeding month. 

I received a notice of chargeback on the XXXX payment from XXXX on XX/XX/2021. I immediately contacted XXXX and they advised me that American Express had " the same problem with ( another vendor ) .... Amercian Express cancelled all payments without telling us. We are so sorry about this. ". 

I attached XXXX 's reassurance that the chargeback was not authorized by them to my response to XXXX however XXXX, on or about XX/XX/2021, determined that my response was insufficient to contest the chargeback and without any further notice to me, proceeded to close the case an issue a refund of the {$650.00} payment and charge me a {$35.00} dispute fee. 

So me, XXXX XXXX XXXX the seller and XXXX the buyer have, and never have had, any dispute with each other over this payment. American Express has, without the card holder 's authorization, imperiled XXXX 's business relationships and deprived me, XXXX XXXX XXXX, the seller of a duly authorized payment. 

XXXX has assured me, XXXX XXXX XXXX, since XXXX that American Express has acknowledged the problem and promised to reverse the chargeback. XXXX has advised me that American Express has in fact reinstated the charge to their account. XXXX however tells me, XXXX XXXX XXXX, that they have no notice a reversal of the chargeback and therefore the {$650.00} debit plus the {$35.00} remain on my account. 

At this point, American Express has effectively robbed both XXXX and I of lawful funds. They have caused immeasurable damage and friction between two otherwise happy businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: Voss & Klein, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This was a service provided by 01 XXXX XXXX XXXX XXXX., in an apartment that I used to live in XXXX XXXX, Florida. I was a renter in that apartment. ( Not the Owner ). They serviced the air condition unit. Thats an owner responsibility. So this is not my debts. The service was provided between XXXX and XXXX, I believe. I personally didnt sign the document of service. They said, I did. I would like to dispute this debt, because is unfair. The amount is {$330.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: CBC Companies, 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:
As I was speaking to an agent in regards to disputing a couple items on my credit report the agent showed me how to view and read my report online I then discovered up to XXXX inquiries that I have no recollection of Never even heard of most of the companies

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: M&T BANK CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
Regardless of the previous written request, the unverified account listed below is still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given my attempt to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct the account completely from my Credit Reports : M & T BANK XXXX Late Dates 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 2022-02-10
Company: CITIBANK, N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a check from my new employer for {$1900.00} and tried to deposit to my Citibank account. The teller let me know that it would take 5 days for it to show up on my account since I was a new customer which was fine. The next day I tried to use my debit card and it kept declining. I called the bank and they said my account was closed and they will send a check for the money in my account. I was confused and asked why since that was a real check from my employer. I went to my local branch and they couldn't give me anymore information other than my account was being closed. Every time I called Customer Service the rep would keep hanging up on me. I am confused as why a real check from my employer is being flagged as 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 non-monetary relief
Consumer complaint received 2019-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
On XXXX of XXXX I paid my vehicle loan in full to XXXX XXXX, for some time this account has had multiple reporting errors. Upon dispute of these errors in XXXX of XXXX, the E-oscar system obviously provided validation, and transunion and or XXXX XXXX updated the account in addition in the results provided to me to state that the account status is 30 days past due. THIS is not correct, there is no balance on this paid account, and the current status of this account should obviously be reporting as PAID not 30 days past due. This is inadvertently dramatically affecting my reports and scores to appear as though I have a recent 30 day late payment. I have reached out to XXXX XXXX who claims that Transunion is the culprit in the matter, and to Transunion that claims that XXXX XXXX is the culprit.

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 2017-09-06
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I was promised a {$300.00} reward for opening a new checking account. I met all the terms of the offer on the account sign up page. I was charged fees of {$25.00} per month for this account and told that I had to wait several months to collect this bonus. Finally, after many notes back and forth with TD bank through online secure messaging, someone finally told me that I could not qualify for the bonus based on previous account history. These terms were not disclosed during signup.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: FIRST MIDWEST BANCORP, INC.
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I got a call from XXXX XXXX, Branch Manager at 1st Midwest XXXX  in XXXX informing me that he is closing out all of my accounts with no logical explanation. My husband and I are senior citizens and have been banking with 1st Midwest XXXX  for over 20 years. We have automatic deposits in that bank and lots of money and investment accounts as well saved there. 

I believe that XXXX and his boss XXXX XXXX are retaliating against me because I filed a complaint due to the poor customer service I was receiving from XXXX and a teller supervisor on XX/XX/XXXX. I reported them as I should have. 

I spoke to XXXX XXXX this afternoon and his logic for cutting ties with me was very confusing, 1. because " he feels that I'm not happy ''. How would he know? 2. He heard that I called 1st Midwest XXXX  racist. I did not. I just asked XXXX when is he going to start hiring people that look like me? He retorted. " They don't apply. '' 3. XXXX XXXX also expressed concern that the bank discriminated against me over an unsecured loan I applied for a loan 3 years ago. It was denied because I was one point off the banks ' standards. When I inquired about my relationship with the bank XXXX still turned me down. So I took out a secured loan. 4. XXXX XXXX finally stated to me that the bank doesn't need an excuse for closing out all of my accounts while causing me and my husband tremendous inconvenience and more pain and suffering. 

Over the years I have had great relationships with most of the bankers at 1st midwest even those that have left. I have pictures at the retirement party of one banker, never had a problem. It's just XXXX and his " special group interest group '' ( 2 women and XXXX XXXX ) that seems to discriminate against XXXX and senior citizens. Why would XXXX XXXX bring up race and use it as a weapon to close out my accounts? XXXX XXXX, I thought, had a close relationship with me and my husband, he knows that we are both XXXX survivors and my husband had XXXX XXXX within this past year. This is a prime example of poor customer service and taking advantage of senior citizens! What he is doing is retaliatory and is going to cause us a great deal of inconvenience and pain and suffering. 

In closing, one thing I know for sure is that XXXX XXXX and XXXX XXXX, representatives of 1st Midwest XXXX, are trying to deny me my " freedom of speech '' by retaliating against me for reporting poor customer service while throwing everything but the kitchen sink to justify their unprofessional behavior. This is/should be unacceptable in any community in the United States of America. XXXX is a diverse and friendly community our motto is " A Place To Grow. '' as a 30-year resident here I'm accustomed to good, friendly, honest customer service.

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