BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-25
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2022, I discovered that a check I wrote to the IRS for {$17000.00} for estimated taxes in XXXX had been stolen, washed, forged and cashed by my bank PNC. I immediately filed a police report with the XXXX XXXX Police Department and a fraud charge and affidavit with PNC bank. To date, I have heard nothing from PNC or the police regarding the status of my claim. The check is clearly forged and anyone who looks at it can tell that it was originally made out to the IRS and someone whited it out and wrote their name to cash it. I have called PNC three times to check on the status of their investigation and have not received any written response. I was able to speak to one person, but got a noncomittal " It's under review. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-25
Company: WELLS FARGO & COMPANY
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was lured into a scam by a company that was impersonating an exchanged could have been impersonating a company call XXXX XXXX. they guaranteed me a 40 % return on my investment. they have the same logo as XXXX XXXX, they took my money and then took the exchange down. this all happened during XXXX and XXXX of 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 2022-08-03
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:
XXXX XXXX is constantly trying to show they are working in good faith as it relates to our case. XXXX XXXX continues to show up. RIDICULOUS! 

I am uploading the last communication received which was XX/XX/XXXX. My spouse returned the call from a XXXX Representative named XXXX on XXXX XX/XX/XXXX. Her XXXX is full. 

In the attached documents you will find a schedule of payments XXXX said we made. We NEVER had an initial Loan with XXXX. This was a part of a XXXX Scheme coordinated by XXXX XXXX closing attorney who staged a fraudulent closing. 

It appears 2 loans were taken out in our name using our info and signature pasted. It was confirmed we did not receive a initial loan in XXXX, Again, how did XXXX XXXX pop up. We financed furniture through them ONLY. We know our information was used to complete applications for a Home Mortgage. I have uploaded the information. 

In addition, we received a scheduled of payments we SUPPOSELY MADE TO XXXX. We never the payments in the referenced attachment. 

This information was created by the submitted Fraudulent 1098 's we submitted to my Attorney XXXX XXXX XXXX who has sold us out OR MY WIFE 'S PREVIOUS XXXX TRUSTEE XXXX XXXX WHO STOLED ALL OF OUR ASSETS..HE DID NOT INVESTIGATE THE FRAUD, It appeared he sent the 1098 's to W/F and they created the Fraud Ledger. WE NEVER HAD A MORTGAGE WITH XXXX XXXX. WE NEVER HAD A MORTGAGE WITH ANY BANK. OUR MONEY., ID AND MORE WERE STOLEN! 

We know there are four additional persons of interest, We will not list the names for now.

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 2022-06-22
Company: Avant Holding Company, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a card in my name at my address. It is from Avant and has not been activated. They said they would send it to the fraud department, but all in all it didn't seem safe and secure. It says the card is for a limit of {$300.00} and has XXXX fraud liability for unauthorized charges. Says it is issued by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: EQUIFAX, INC.
State: VA
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/2022, I sent a dispute to the 3 credit bureaus and they have not responded with any dispute updates and has NOT provided notice of dispute either which is a violation of the of 15 US Code 1681s-2 ( 3 ). Failure to provide notice of dispute.

also Under the FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) you must delete the inaccurate or incomplete unverified within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Experian Information Solutions Inc.
State: SD
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:
I found out that the account i paid off is not being reflected as such on my credit report so i contacted XXXX credit management ( the company i paid ) and they said that the original creditor ( comenity bank is reporting the account incorrectly ) and that i need to contact them. the response i received from comenity bank is that i need to contact XXXX credit in which i have already done. I am just getting run around while no one is updating or fixing the issue to reflect that the account was paid and not a charge off or whatever incorrect status they have it sitting in. I am resubmitting this complaint with the document that shows the account was paid and nothing owed so it should reflect a paid status on my credit report

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 2022-07-04
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX account # XXXX, XXXX account # XXXX, EXPERIAN XXXX XXXX XXXX  XXXX account XXXX XXXX ...., XXXX XXXX XXXX XXXXXXXXXXXX XXXX account XXXX XXXX ... XXXX account # 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 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 2022-08-03
Company: JPMORGAN CHASE & CO.
State: VA
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: Overcharged for something you did purchase with the card

Complaint:
I purchased appliances package from XXXX XXXX. XXXX XXXX over charged me for the package. XXXX XXXX placed a charge of {$1900.00} on my Visa on XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX VA XXXX I am over charged and need this amount removed from my visa ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: T.S. Holdings
State: NH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My apartment complex said we owed damages upon move out which there were absolutely none. We left the complex in a better condition then when we moved in. 2 months after we moved out, I received notification from IQ data saying they had sent these " damage '' fees to collections, when the complex never even contacted me via mail, phone email etc. I even called the complex and they said they had nothing on my profile regarding any past due balance or damages so I don't know why it would be sent to collections. I reached out to IQ data, they told me to email their dispute department which I did. They then said that the dispute was denied and debt was validated because of proof, but I never received anything from them. What proof is there? No one has even said WHAT the damages were! Nevermind there being no photos or proof of said damages. When I called customer service at IQ Data they were extremely rude and no help, saying the only thing I could do would be to pay this to get it off my credit and was not listening to me at all. I had mentioned that I spoke to my dad about the situation & that I was considering per his advice taking them to small claims court. When I asked them to email me any of the info regarding this dispute, validated debt etc. the agent refused and responded with " Why don't you ask your dad? '' which was very condescending. They said they would re-mail the so called " proof '' that I never got in 5-7 business days but that was it. I have already started a small claims court case. This company is fraudulent and should be shut down.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-08
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:
Loan Co. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX, TX XXXX I purchased a used vehicle in XX/XX/XXXX, while I was on XXXX XXXX with the XXXX XXXX. I became delinquent ( as a result of some family trauma ) in XX/XX/XXXX. On my credit report from Experian dated XX/XX/XXXX # XXXX It specifically reflects the date of purchase, my 1st delinquency ( XX/XX/XXXX ) and for the next 11 months it reflects continual delinquency per their 'legend '. The truth of the matter is that I NEVER became current with this account, and the car loaner ( XXXX XXXX XXXX Acct. #  XXXX ... ) claims that I have, but even on the report itself, it lists extremely limited info, to include XXXX balance, dates/times/ etc. 
For a company that claims I became current refuses to send Experian, to include the others, any information on my account whatsoever. However they are only giving them information back to XX/XX/XXXX instead of XX/XX/XXXX, so  that they can claim to use that year, to establish the 7yr requirement. 
I have provided numbers documents and photo copies requesting that this account SHOULD HAVE BEEN REMOVED XX/XX/XXXX and they continually claim I became current with no information provided by XXXX. Please, review my information I upload, and assist me with having this account ( that is now almost up to 2yrs ) to be removed from my account, one and for all. 

Former Experian dispute ( with no changes afterwards ) account # 's  XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) ** and several others that I can not retrieve quickly. 

Thank You, 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 2017-08-13
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: Public record information inaccurate

Complaint:
Transunion was notified by me in reference to some inaccurate accounts on my credit report. I have notified Transunion priority mail that they have failed to validate these accounts. I have asked that these accounts be validated and that I receive copies of the information of proof. There is also a public record ( Tax Lien ) that has been paid and IRS has approved for this be removed from my credit report. I faxed over the form to them that I received from the IRS and to this date they have ignored my request to have this Public Record removed. Accounts also are : XXXX XXXX, XXXX XXXX Acct. # XXXX, XXXX XXXX and XXXX . I would like for TransUnion is remove these inaccurate accounts from my credit report because it is affecting my ability to purchace a home for my children.

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 2017-09-26
Company: Experian Information Solutions 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:
I have 30 day late payments on my credit report and have tried to dispute it but. I keep getting blown off. I sent the first letter requesting back up for the bad information that was on my report and waited 30 days no reply then I sent a second registered letter waited anouther 30 days for a response they sent me some letters that had nothing to do with what I asked for. they ca n't do what ever they want they need to abide and required by law, under the FCRA, to have properly verified the accuracy of an account listed on my credit report. they recently replied and said in the results of your first re-investigation, that you verified that these items are being reported correctly. 
formally requesting the following : 1 ) Where are the documents that you used to verify these accounts? 
2 ) What is the name of the person in your company who verified these accounts? 
3 ) What documents did they use to verify them? 
4 ) Please provide me with the name of that individual, their business address, and telephone number.

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 2022-08-03
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I put a {$500.00} check in the wrong envelope by mistake. Check was payable to XXXX XXXX XXXX XXXX. Wells Fargo bank took check and deposited into account XXXX Wells Fargo XXXX. The copy of this check is attached with this complaint. My bank XXXX Bank issued Wells Fargo a notice to return the money in XX/XX/XXXX but they have refused to send back the {$500.00} which they deposited wrong. The check was written by my financee ' who we have a joint account on this check. Please ask them to return the money they do not have the right to own. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2022-10-25
Company: U.S. BANCORP
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
U.S.Bank account number XXXX on XX/XX/XXXX there were three charges 1 for XXXX  XXXX XXXX for XXXX a charge for XXXX XXXX credit card for XXXX and protective life for XXXX which bring my account to a negative XXXX and some cents. I transferred XXXX from XXXX XXXX to make the account positive and not negative on XX/XX/XXXX and the system still charged me 3 overdraft fees for those items I contacted the bank and they said there was nothing they could do for me. I would like my overdraft fees returned to my account. My name is XXXX XXXX address is XXXX XXXX XXXX XXXX # XXXX XXXX, AZ 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 2017-09-26
Company: CITIBANK, N.A.
State: WI
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 did not authorize or apply for new lines of credit with either XXXX or Citibank. There should not have been hard credit card inquiries from either 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 non-monetary relief
Consumer complaint received 2022-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I think my identity information has been exposed and stolen, being used to open debit cards, I received random debit cards in the mails with my name on it which I am not authorized nor aware of. please advise if theres a way to stop 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 2022-09-30
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
I have paid off 5 accounts on my credit report that has been posted and I have already paid it off

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 2022-11-15
Company: Flagstar Bank, N.A.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have XXXX separate mortgages with Flagstar Bank. Those XXXX mortgages are for separate properties. I mail in my monthly mortgage payments to Flagstar via United States XX/XX/XXXX priority mail with tracking. The XXXX XXXX XXXX XXXX the date and time of delivery/pick up of my payments. Each month I pay extra principal payments with the regularly scheduled payment amounts which should result in the reduction of interest for each mortgage as of the day my payment is delivered. The effective payment date should be the date payment is delivered per the XXXX XXXX 's tracking and impacts the interest charges. [ CFPB Regulation XXXX states : " General Rule. A creditor shall credit a payment to the consumer 's account as of the date of receipt, except when a delay in crediting does not result in a finance or other charge or except as provided in paragraph ( b ) of this section. '' ] I have become aware Flagstar has been recording the effective date of my monthly payments after the date payment was delivered. I reported this problem to Flagstar and Flagstar has corrected some of the incorrect effective payment dates but is refusing to do so for payments I made for both mortgage accounts that were delivered by the XXXX XXXX on XX/XX/2022. Flagstar Agents tell me the effective payment date for these payments is XX/XX/2022 XX/XX/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 2022-04-25
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of Fraud. My I.D . information was stolen when I had a break In and after XXXX had several Data Breaches along with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: LoanCare, LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have a refund that is due to me, I had an escrow analysis done on my account on XX/XX/XXXX and since that analysis I am due a refund of 2100.00. I switch jobs in XXXX and had issues with my payroll so that cause me to lack on payment. I was told if I made a payment by the 15th they could cut me my refund check. Well time passed on and never received my check. Called in XXXX and spoke with a very rude customer service rep and I paid a payment onXX/XX/XXXX thinking my refund would be rushed and I would have it in 14 days. Well come 14 days which was afterXX/XX/XXXX I was told the check was n't cut because now it was afterXX/XX/XXXX. I explain to the young lady that I was told the check was already cut. She explain to me that she does n't know why I have n't received it but she would put in another request. On last week I called to follow up on my check and the rep told me that they did n't process the refund bc I was now due for XXXX but what she could do is take my payment for XXXX and XXXX out of my escrow refund and cut me a check of the difference. I explain to the young lady that XXXX payment will be paid, they would only need to take XXXX 's payment out of the refund and cut me a check for the difference. The customer service rep then called me back from loan care headquarters and told me she spoke with a manager and she would need me to send a request to the customer service email in order for her to take XXXXXXXX XXXX payment out of the escrow refund and she will cut me a difference in a check. Well I sent an email to customer service giving them permission to take XXXXXXXX XXXX payment out of my escrow refund and I also received a confirmation number from the email. Well I called todayXX/XX/XXXX to do a follow up and another customer service rep explain to me that I was misled and was given the wrong information. He said they would n't be able to take XXXXXXXX XXXX payment out of my escrow refund. He apologize and ask about the XXXX payment, well I told him I do n't have XXXXXXXX XXXX payment bc I was advised on last week that XXXX payment would be take from my refund and a check would be cut to me in 14 days ... .well I was lied to again! I spoke with a supervisor on today and she apologized and place me on hold to see what she could do to make it right. Well she could n't do anything either but tell me sorry and that she would listen to the call and find out who gave me false information. I am so upset because I have a refund that 's do to me sitting there and now I will be a month behind in my mortgage because I spent XXXX XXXX payments towards another bill because I was given false information. I have been given the run around on this account since XXXX, I 'm so tired of fighting this battle with Loan care.

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