BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-06
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts immediately. 

US DEPT OF ED/XXXX/XXXX  XXXX {$7000.00} XXXX  XXXX  XXXX {$280.00} XXXX  XXXX {$100.00} XXXX/XXXX  XXXX {$420.00} XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX XXXX {$0.00}

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 2020-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts immediately. 

US DEPT OF ED/XXXX/XXXX  XXXX {$7000.00} XXXX  XXXX  XXXX {$280.00} XXXX  XXXX {$100.00} XXXX/XXXX  XXXX {$420.00} XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX XXXX {$0.00}

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 2015-11-17
Company: IQOR US INC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I called a XXXX in which I had a credit card with them 5 years ago and want to pay the XXXX I owe to establish my credit. They referred me to XXXX XXXX, XXXX XXXX referred me to another company at that same time they stated that I also had another account on my credit and I said that I had no idea what that was I asked if they knew and they stated they could not see in the computer but to call Allied. I called allied and they stated that there is a XXXX XXXX XXXX account from 10 years ago. I told them ten years ago I was in jail and it is impossible that the account is mine. I told them that it had to be identity theft and I also told them that under the FCRA that it was outdated and they should not be trying to collect. The guy on the phone who I could barely understand said well what do you want me to do? I said I want you to delete it immediately. I am writing you because this is outrageous. I need to get this situation rectified. I am trying to buy a home and it is impossible to buy a house without these credit companies and debt companies following the laws.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I believe that my Lender has wrongfully foreclosed on my property. My loan was audited, and it was determined that it fell under the predatory loan. Although we hired an Attorney to fight the foreclosure, in the end the Lender was able to get a foreclosure Judgement. I believe that the Lender did not have the original note. Additionally, we made several request for a loan modification, and was told that we did not qualify for Hamp because our loan was a private investor loan. ( investor being XXXX XXXX ) The Lender forced placed insurance which is 5 times more that what we were paying on the original loan. which makes it very hard to afford any type of payment. I am hoping that something can be done to help us keep our home. We have gross income of {$8600.00}, per month, our home is worth approx. XXXX, our loan amount is currently at {$560000.00}. Please help, we have a sale date of XXXX XXXX 2015. We have exhausted every avenue and do n't know where to turn to. We would consider any offer from the lender to remedy the situation rather than foreclose. Please HELP.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13
Company: U.S. BANCORP
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I selected that I do not want overdraft coverage through the US Bank app. This led me to believe that if I had insufficient funds then the charge would be declined and I would avoid an overdraft fee. However, unbeknownst to me, that does not include recurring charges. The app did not mention that some recurring charges could still process. Hence the reason I had 2 charges come through which I received fees for. I have called US Bank multiple times to rectify this issue and they refuse to waive the fees. I believe this to be a UDAAP violation since they were deceptive in never telling me about recurring charges potentially coming through.

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 2017-06-30
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX XXXX XXXX and I have talked about how their representatives told me what I owed back in XX/XX/XXXX and after paying what they said I owed, they reported me 30/60/90 days late, knowing full well this was false. I was misled and now they are purposely reporting false information as some type of retaliation for what reason I have no idea. XXXX XXXX XXXX XXXX customer service is horrible and they are misleading credit agencies by using all the reporting agencies to punish me for something I did based on what THEY told me to do. It makes no sense!

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 2020-04-06
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have tried the last month to contact Citibank without having been successful on several occasions, the associates do not answer the calls, on several occasions I have called and I have had to wait long periods of time between 45 and XXXX, nobody gives reason why I can not enter To the platform to pay my bills, I try to close the checking account but the associates do not offer support for this transaction. I don't want to be fined and I don't know what to do, nor can you wait hours on the phone for a financial service provider to effectively resolve the situation. Please help me to close my checking account as I can not contact any Citibank associate.

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 2020-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Step 1 : What is this complaint about? 
Bank of America has restricted my account XXXX during this serious covid - 19 pandemic alleging unusual activity on my account from XX/XX/2020 They are requiring me to contact them on a specified number to resolve the issue. Every time I call them during normal business hours on that specified number, the automatic machine states ther e's no one available to assist me and then terminate the call. I made two normal transactions, one at a food eatery and the other at a gas station, totaling less than {$50.00} collectively. Step 2 : What type of problem are you having? My account is restricted alleging unusual activity requiring me to call into Bank of America to resolve the issue. There is no one available at the number they've emailed me as well as listed in my online banking section to contact them at. As a result my account is remaining restricted and I do not have access to my funds or a true option to resolve the issue of their error. Step 3 : What happene d? 
I have reached out to them at XXXX to resolve the issue and no one is available to assist me. 

Step 4 : What company is this complaint about?

Bank of America Step 5 : Who are the people involved?

Myself and Bank of America

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 2017-01-23
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Equifax did not take my statement or investigate my dispute. When I spoke to their customer rep they stated to me more than once they do not investigate. They asked the company who reported to Equifax to investigate. When I spoke to one of their supervisor 's by the name of XXXX XXXX stated to me that they investigate by sending supporting evidence to the company who reported to Equifax. I asked XXXX XXXX is there a way that Equifax could do their own investigation by looking at my bank statements, proof of payments, and my electronic automatic payment statement from XXXX, and she stated to me no! I asked XXXX XXXX why would you accept the statement of XXXX and not look at my proof from a accredited bank that has been in business for over 100 years. She stated to me it is not Equifax responsibility to look at the customers information, but only accept what has been reported by the company who has reported to us. I said to her that they could report anything to you guys without proof, and the only thing she stated to me was " If XXXX lies I could sue them '' When I asked to speak to another supervisor she stated to me that she was the only one I could speak to. I requested to speak to her supervisor, and she stated to me that I was the only person I could speak to. Then I asked her that I need to file a complaint, and she stated to me what the complaint is about? I said to her that I prefer to speak to someone else about the issue. She stated to me that I need to mail my complaint. I asked her why I could not file my complaint over the phone, and she stated Equifax does not accept complaints over the phone. Then she said if there is nothing else she could help me with she was going to hang up. I tried to ask her some more information, and she hung up on me. I called back and talked to another person who stated to me that they will take down my complaint and send me an apology letter. 

I have all of the conversations with Equifax recorded as proof. I would like for Equifax to correct this problem by thoroughly investigate this problem, and not just accept what XXXX will give them as proof. If not I will share my conversations with the people that will read this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: PNC Bank N.A.
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am one of the many victims affected by PNC Bank 's acquisition of BBVA and subsequent mistreatment of customers.

PNC informed BBVA customers that their BBVA debit cards would continue to work through the transition period, until they activated their new debit cards. This was communicated in writing on numerous occasions. As of XX/XX/XXXX, their webpage on the acquisition states, under the FAQ heading " My debit card should have arrived before XX/XX/XXXX and it has not, what should I do? '' the answer " Remember, you can still use your BBVA debit card. '' This is false, however, as numerous consumers have reported. ( https : //www.pnc.com/en/about-pnc/topics/acquisition-update.html ) PNC sent my new debit card to the wrong address. I called them to rectify this situation and spoke to XXXX. I provided my SSN and was then asked for the last 5 digits of my PNC debit card to verify my identity. Needless to say, I was unable to do so. I was then passed off to XXXX in Retail Support, who asked me for a phone number to verify my identity, and then informed me that this phone number would not work for reasons that were unclear to me- it is a personal cell phone number which was registered with BBVA prior to the acquisition.

She then asked me to verify prior addresses in the public record. I named 2 of my most recent addresses, and she asked me for another. I told her I would log into my online shopping account to get her a number of prior addresses ( I frequently move for work ). Several seconds later, she abruptly ended the interaction and passed me back to XXXX, who asked me for the last 5 digits of my BBVA debit card before informing me that she couldn't help me on the phone. 

I then spoke to her supervisor XXXX who was rude and confrontational and insisted that I needed to go to a PNC branch, despite the fact that there is not a single branch in my state. I asked him how I could close my account if this proves inconvenient, and he informed me that I would need to visit a branch in person. 

He then provided me with a mailing address to send several forms of photocopied ID to in order to request a new debit card, saying there was nothing else they could do for me over the phone, as my account had been flagged. 

Only after I initiated a complaint via PNC 's internal process did he notify me that I could close my account by mail as well. 

I could not recommend PNC to anyone, this transition has been a disaster, consumers have been lied to, and customer service is no help at all. 

Case numbers : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: Experian Information Solutions Inc.
State: MO
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:
My ex-husband and I purchased a home in 2001. Shortly after, we divorced. In the divorce, he was granted the home, and assumed all debt related to said property. I have submitted court documentation to the mortgage company multiple times, yet they continue to report this debt as mine. I am now in the process of trying to purchase a home for myself, and am practically unable to do so because this account is being reported on my credit report as a delinquent debt, and as a large debt that is artificially inflating my debt/income ratio.

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 2020-04-06
Company: EQUIFAX, INC.
State: AR
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:
My identity has been compromised. I tried to file my taxes and the tax professional told me that my social security had been used already to file tax returns. I soon received a call from a collections company as well that I owed them money. Everything was making sense right after. These things on my credit are not mine. Please remove these things from my report. 

XXXX/XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX XXXX XXXX XXXX {$86.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX {$150.00} XXXX XXXX  XXXX {$300.00} XXXX XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX XXXX {$460.00} XXXX XXXX {$410.00} XXXX XXXX  XXXX {$1300.00} XXXX XXXX {$0.00} XXXX XXXX {$460.00} XXXX XXXX XXXX {$13000.00} XXXX  XXXX {$4400.00} DPT ED/XXXX XXXX {$1700.00} DPT ED/XXXX XXXX {$1700.00} XXXX  XXXX  XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: EQUIFAX, 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:
There are several accounts on my credit report that do not belong to me. Making these account fraudulent and needing to be removed from my credit report. I have never done or been associated with these companies. Being that I have never been associated with them it make it incorrect information. 

See attached documents

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
My Bank of America account was closed for possible fraud and now I can not open a new bank account anywhere else I tried to dispute this when it happened and didnt get anywhere now its affecting me being able to open a 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 2022-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX  six years ago, I had lost my wallet at the airport. The last few years have been rough trying to repair my identity within the public to lenders because of my information being used and stolen from me. The last few years, I tried to dispute this information with Bank of America credit card department notifying them I didn't open a credit card on XX/XX/2017 for credit line of {$1000.00} but exceed {$1200.00} the date of Charged off as bad debt from the institution.

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 2015-07-21
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My car is financed by Honda Financial. It is a 2011 XXXX XXXX. My finances changed when my hours with my employer were cut back, and I requested That Honda Financial change my due date for my monthly payment to the XXXX of the month. They refused to do that. They said that I had changed it too many times already and they would not allow me to change it again. They said that they would charge me a late fee if I did not pay on time. I asked to speak to a supervisor. The supervisor would not relent. I spoke to several people at Honda Financial and they were adamant, and would not re consider. I told them the bill would always be paid, every month but it would be late because they would not change the payment due date. I realized that they were not motivated to change the date because they would be collecting another {$20.00} per month in late charges if they did not change it. And now I have an extra charge accumulated of {$600.00} in late charges. And now they say that until I clear that {$600.00}, they will not move the due date. I feel that Honda Financial have unfairly collected these extra late charges because they would not change the due date, deliberately manipulating the situation to their advantage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-30
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I am in the process of trying to Refinance my home. We noticed on our Credit Report that XXXX XXXX XXXX is reporting my mortgage information to the Credit Bureaus XXXX. 
The same loan number and delinquency dates except one has home listed as a Manufactured Home which is in error and the current listing is correct as a Single Family Home. The error was corrected by XXXX but Equifax and XXXX still show it as Mfg Home and as if I have XXXX mortgages, then all XXXX show it correctly. The XXXX listing on XXXX and Equifax is affecting my credit score and ability to Re Finance as it appears that I had XXXX Mortgages concurrently with same delinquency dates. The Re finance company stated that the Credit Bureaus could not resolve the issue without letter from XXXX, I contacted XXXX and they said it would take 30 business days to research it before they could give an answer or resolve it. This is unacceptable as it was their error to begin with. How come XXXX picked it up and is reporting it correctly along with XXXX and Equifax but XXXX and Equifax still report it in error? Seems XXXX and Credit Bureaus are just pointing fingers at each other. Note : The Credit Bureau report begins on page XXXX of the attached pdf file. Discard pages XXXX - XXXX please.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I paid XXXX XXXX Hospital bill on XXXX/XXXX/2016 for the amount of {$7200.00} ( Confirmation Code XXXX ) with XXXX credit card ending in XXXX. Please find attached XXXX letter confirming the reception of this payment. However, for some reason the balance appear unpaid in my credit report. 
Please remove this wrong debt information of my report, since this is affecting my credit score. 
In, advance thank you very much, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: AL
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 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 explanation