BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-12
Company: Experian Information Solutions Inc.
State: TX
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 continuously been disputing with Experian, XXXX XXXX XXXX, information that continues to be reported incorrectly causing severe damage to my credit. All 3 bureaus knowingly and negligently continue to report negative information on 4 accounts that I have many times informed them and provided proof that these accounts have been either paid in full or settled in full so therefore should no longer be on my credit report nor should they reporting negatively and they continue to report negatively. The following accounts are the accounts in reference. XXXX # XXXX was sent to court and PAID IN FULL IN THE AMOUNT {$910.00}, and the others have been SETTLED IN FULL XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX. I have been fighting them for 3 years now and they are refusing to remove. Per the FCRA 15 U.S.C. 1681s-2 ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. 
( B ) Reporting information after notice and confirmation of errors. 
A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. Also in [ XXXX U.S.C. XXXX ] ( XXXX ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. I continue to provide the necessary proof and they continue to ignore and report negatively violating my consumer rights as well as providing information that was never authorized by me to provide to begin with.

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 2023-05-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
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:
Call by Bank of America to verify transactions for possible fraud, and when I call back I am told I must go to a Bank Of America Branch to verify my idenity, and my account is locked and under invesigation and they will not provide any transaction information. I just checked my account and there is no unusual transactions listed.

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 2023-05-31
Company: PNC Bank N.A.
State: ME
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/23 PNC bank charged my Savings account with a {$3.00} activity fee, I contacted Customer Service and was told it was due to XXXX transactions and the fee was refunded. 
The next day I received another {$3.00} fee ; On XX/XX/23 I received another {$3.00} fee and contacted customer service by Chat and then via telephone ; the first agent told me I received the fee because I deposited money into the account?? and some other transactions. After XXXX minutes of debate the agent got help and came back with yet another answer. 
At the end of the day I had never had this fee previously, when it happened the first time I contacted PNC to find out why and how I could prevent it in the future. I was given incorrect/ incomplete information the and so it happened again this month - when I called back I again got incorrect information. At this point I understand why it happened and can prevent it in the future but PNC owes me {$6.00} for providing incorrect information that led to the fees and an apology for wasting so much of my time. The icing on the cake is that if I want to talk to a manager I have to wait XXXX business days for them to call. This is terrible service, PNC should train their associates and take better care of loyal customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-31
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: Public record information inaccurate

Complaint:
I am currently in school at XXXX for a XXXX program. I started in the XXXX term of XXXX I was able to get financial aid for the XXXX term XXXX. However, now for the XXXX XXXX there seem to be a fraudulent bankruptcy that has placed on the account. 
My loans were recently transferred from XXXX advantage to XXXX. 
I have never had any documents or emails about this status sent to me prior to the bankruptcy being placed on my account. I have only found out after the bankruptcy has been placed on the account. 
How I found out about the bankruptcy : I had applied to more than XXXX school, upon checking the status for the summer term for Florida XXXX XXXX XXXX, for the Spring term XXXX I was awarded financial aid. I did not accept as I decided to go to XXXX. Upon checking my financial aid account, it shows that the loans are in bankruptcy. 
The issue : I have never filed for bankruptcy, so I believe this is a huge error. Also, by good credit of almost XXXX not too long ago will most likely be impacted severely. In addition, I am only able to continue going to school on a grade plus loan which is contingent on credit. 
I am usure the basis for the bankruptcy being placed on the account. I have tried calling several times and I am placed on hold for more than an hour each time with no resolution. ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) In addition to not ever being in bankruptcy, I have had no chance to rectify the situation prior to the bankruptcy being placed on my account. I have had no emails or any correspondence stating this would happen prior to the bankruptcy happening. I also can not get anyone on the phone at XXXX to help me with this matter. In addition, I am currently in school in my XXXX week for the summer with pending financial aid to pay for my semester. 
This is very negligent on the servicers part. They need to ensure they are properly reporting correct information, and if it is incorrect, they need to fix this immediately. They should fix the issue with the credit reporting agencies as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I CHECKED MY CREDIT REPORT AND NOTICED I HAD AN UNAUTHORIZED COLLECTION FROM CCS CREDIT COLLECTION WITH ACCT NUMBER : XXXX OPENED IN XX/XX/XXXX FOR {$130.00} ON XXXX AND ACCT NUMBER : XXXX OPENED IN XX/XX/XXXX FOR {$120.00} ON XXXX THAT I DO NOT RECOGNIZE. I BELIEVE SOMEONE MAY HAVE APPLIED FOR SOME THINGS IN MY NAME AS FRAUDULENT. I WOULD ALSO LIKE THE FOLLOWING INQUIRIES REMOVED FROM XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: CAVALRY INVESTMENTS, LLC
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:
While looking at my credit report i have notice inconsistencies with the information all three credit bureaus have. As you know, this is NOT allowed under my rights and also a clear indication that this information was Not properly verified upon you receiving it. XXXX XXXX XXXX has a BALANCE DEBT OF XXXX while XXXX XXXX HAS A TOTAL DEBT BALANCE OF XXXX. I need help!!!!!! MY CREDIT REPORT ON ALL 3 CREDIT BUREAUS ARE NOT CORRECT THERE ARE COLLECTION ON XXXX, XXXX and XXXX THAT ARE NOT MINE AND ARE INCORRECT AND DIFFERENT. THIS IS NOT POSSIBLE AND BECAUSE OF THIS INCONSISTENCY, PLEASE DELETE THE FOLLOWING ACCOUNT FROM MY CREDIT PROFILE IMMEDIATELY. ACCORDING TO THE 15 USC 1681 LAW, THERE SHOULD NOT BE ANY DAMAGE ON MY REPORT IS A DEFAMATION TO MY CHARACTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Gurstel Law Firm, P.C.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Gurstel law firm, fruadulently ran through my bank account cause they obtained it through XXXX XXXX. I was never served of any lawsuit or any garnishment notice. 

I called them upon noticing that they ran my account without my authorization, neither was i sent an Exemption notice in the mailed. I was never given the chance to dispute the debt for which they are lying about. 

I called them this morning after learning that my account was fraudulently ran by them, i spoked to a gentleman which was very rude to me and didn't give me chance to speak. I obtained their number from my bank. 

This company need to be fine and shutdown. XXXX XXXX XXXX is a criminal lawyer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: NCB Management Services Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX is the original collection date. It is XX/XX/XXXX. The item should no longer be on my reports. I received a letter from XXXX that was issuing a refund due to file review. XXXX was the original creditor. This debt should be discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: EQUIFAX, INC.
State: FL
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax credit bureau to validate this account ( A ), ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and update : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Experian Information Solutions Inc.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-05-31
Company: JPMORGAN CHASE & CO.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
XXXX XXXX is a newly formed, woman led, single owner handicraft business importing handmade decor items from XXXX to share in US market. 
We transferred payment to our vendor as below Inquiry Number : XXXX Submitted On Date : XX/XX/2023 Recipient Name : XXXX Amount : XXXX Currency XXXX The recipient bank has confirmed that they have not received the money and JP Morgan Chase is saying that their transaction is complete and they can not help anymore. 

The money was debited from my business account immediately and there is no trace of the money for last 3 months. 

I am a XXXX survivor and this is a huge sum of money which is causing a financial stress on me and my family. 
Any advise would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Experian Information Solutions Inc.
State: FL
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureau to validate this account ( A ), ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and update : 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 2023-05-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
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, TX XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name : XXXX XXXX, Account Number : XXXX ), 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 : It also states a consumer reporting agency can not furnish account without my written consent.

15 U.S.C. 1666B : A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direction violation of several laws under The Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I am a victim of a scam. In XXXX of XXXX, A woman claiming needing help. She provided authentic documents had me send two wires from Citizens bank. One was for XXXX and XXXX. A couple of weeks later, Citizen bank fraud Dept called me and I verified this was fraud. I had filed a report with XXXX Police in RI. 

In XXXX, the same woman contacted me and said her agent to help her get out of trouble needed money. She said, a phony name of XXXX XXXX, said a client managed to get funds and transfer money to my account. I gave her the information of my account and two notifications of approx XXXX came through. She also had my user and password which she conned me into. I did a check in XXXX of this year to a person in NJ she said was a person to help. The money was deposited in my account and I did a check. On Friday XX/XX/2023 my checking account was frozen for Fraud. I went to the bank on XXXX XXXX in XXXX XXXX RI every day to see what was happening. I was told that my accounts were froze. I have a XXXX credit line. I was concerned about this. Every day from XX/XX/XXXX to XX/XX/2023 the balance was around XXXX. On XX/XX/XXXX, the balance jumped to XXXX The bank manager had said my accounts were frozen due to XXXXraud Why was my HELOC on frozen since the money went in there. 
I had an attorney involved but with no luck. 
The XXXX of the XXXX would not honor my claim. I told her I called XXXX XXXX at the Citizens Fraud Dept about why the HELOC account was not frozen during my checking account was. XXXX told me she had limited visibility and did not communicate anything to the HELOC Dept. 

I called the FBI office in XXXX today, XX/XX/2023 and talked to Special Agent XXXX XXXX. XXXX XXXX XXXX told me the bank should of noticed something was wrong in XXXX and XXXX. 

The FBI office in XXXX is working with the XXXX Police in RI as of today. 



.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I was pre approved for {$4200.00} for Upgrade+ via XXXX XXXX but as soon as I submitted the application I was denied. So I called customer service and the agent let me know I was denied because of public record couldnt match my SSN to a valid cell phone account. My cell phone is under my business XXXX not my SSN. We are not required to have a cell phone under our SSN. I asked was there any other way to verify my identity. XXXX the supervisor said no and I thought that was really unfair. I called XXXX to verify my name was added to my business account as well. They updated my account over the phone. Screen shot attached. However they said my XXXX does not need to be added to the account. The Last XXXX of my SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: SANTANDER HOLDINGS USA, INC.
State: CO
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I get calls from this company every couple years stating a repo debt unpaid. Last thing received from this company was XXXX. They call my work and several family members threating to sue me or take assets. This loan I have spoken with several employees and they could not and will not provide information I owe this debt only verbally. They contacted me at work and on cell phone along with calling family members on XXXX around XXXX XXXX  gave me several options ranging from {$9200.00} to {$1500.00} to take care of debt and only gave me 30 minutes to comply or they were sending my social security number to the courts. I spoke with attorney that stated there is a statue of limitations and they are a scam. Nothing has been filed. They called me at work this morning threating me calling me by a combination of my maiden and married last name which made no sense and stated good luck in court. Todays person was named XXXX XXXX and said he will serve me at work and home. They will not stop even telling them not to contact me or family and to contact my attorney. Please make them stop.

Company response to consumer: Closed with explanation