BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-29
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
PNC mobile banking reports late and Inaccurate. About the state of funds in accounts when using mobile banking. Yesterday I had XXXX XXXX  in my account or so mobile banking said so I went and bought a XXXX XXXX  bag of fries that I could make for dinner. Today I woke up to an overdraft of {$11.00} because PNC had not properly updated their app. When I tried to access the app to see what went wrong it was down for repairs again. PNC regularly has their app down for repairs and causes an inability to access important financial data. Ive raised this with PNC multiple times to no avail. Between the low balance alert emails that I received on the XXXX and the XXXX I only made one purchase for no more that {$4.00} we should left you with just less than three dollars in my account. Instead I woke up on the XXXX with an overdraft alert.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
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:
The credit reporting agency has been notified multiple times that these accounts should be removed from my credit report. These accounts are fraudulent and erroneous. I have been denied CREDIT, HOUSING and EMPLOYMRNT due to this erroneous information. 

US DEPARTMENT OF ED/ XXXX Acct # - XXXX Acct # - XXXX Acct # - XXXX Acct # - XXXX Acct # - XXXX cc : 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 2022-09-25
Company: Lewis, McDonnell & Associates
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Lewis McDonnell & Associates is reporting on my CR, fraudulently. First that is abuse pursuant to 15 USC 1692 ( d ). I have no contract with Lewis McDonnell & Associates or anyone they might have bought my information from. Pursuant to 15 USC 6801 my information is mine and should not be shared unless authorized by me. I have no contract with Lewis McDonnell & Associates. I have yet to witness a " wet ink '' signature between myself and Lewis McDonnell & Associates. nor have I ever received a True Bill in commerce in regards to this account. Lewis McDonnell & Associates has levied and/or trespassed upon Me, the living woman, without due cause. There is NO valid contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: WELLS FARGO & COMPANY
State: PA
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:
Wells Fargo provide the checking and savings accounts to XXXX and encourage people to set up a direct deposit. But no XXXX neither Wells Fargo allow any other bank to use my money for free as they do, neither they allow me to use my money that should be available to me immediately and it is not. I struggled to add XXXX account as external account to XXXX XXXX, instead XXXX keeps my money with Wells Fargo. 

On the other hand Wells Fargo denied my application for a credit card. 

I already lost up to {$1000.00} with XXXX resistance to transfer my money virtually at my request. They will keep my money on hold for a week instead of transferring immediately. Sometimes my threats to complain to CFPB helps to speed it up for next day, but not always.

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 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2019 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY

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 2022-09-25
Company: I.C. System, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I.C. Systems is reporting on my CR, fraudulently. First that is abuse pursuant to 15 USC 1692 ( d ). I have no contract with I.C. Systems or anyone they might have bought my information from. Pursuant to 15 USC 6801 my information is mine and should not be shared unless authorized by me. I have no contract with I.C. Systems. I have yet to witness a " wet ink '' signature between myself and I.C. Systems. nor have I ever received a True Bill in commerce in regards to this account. I.C. Systems has levied and/or trespassed upon Me, the living woman, without due cause. There is NO valid contract.

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 2022-09-25
Company: REVERSE MORTGAGE INVESTMENT TR
State: NC
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
THIS COMPLAINT IS AGAINST : REVERSE MORTGAGE FUNDING LLC- CORPORATE HEADQUATERS located at : XXXX XXXX XXXX ( Second Floor ) XXXX, NJ XXXX Main Telephone Number : ( XXXX ) XXXX NMLS ID - XXXX AND ( Both of which are the same company ) REVERSE MORTGAGE FUNDING LLCXXXX Customer Service Department XXXX XXXX at : XXXX XXXX XXXX XXXX, MI XXXX Customer Service Number : ( XXXX ) XXXX Email Address : XXXX WHAT HAPPENED : ( This is in respect to Loan Number : XXXX, and a Loan Statement is attached onto this Complaint for the Company 's Identification, including their current addresses. TO THE CFPB Staff : please see the attachments on this Complaint ) : I attempted to make Payments to Reverse Mortgage Funding in XXXX of 2022, XXXX of 2022, XXXX of 2022, and XXXX of 2022 ; however, Reverse Mortgage Funding have continued to charge me Interest and Fees while at the same time, refusing to accept any payments on the loan in part or in full through my refinancing the debt for over the last nine months, and are actively trying to force me into Foreclosure Proceedings through predatory lending practices. 

Reverse Mortgage Funding has also refused to sign-off on two checks that were issued to me by my Homeowners Insurance Company in XXXX of 2022 in order to make safety related repairs to my house, which is preventing me from being able to Refinance or Sell the home. 

The home went under contract for sell in XXXX of 2022 for {$320000.00} thousand dollars, however after the buyer was told about the Safety Related Repairs not being made ( which is a requirement by Law to disclose during any Real Estate transaction ), the Company pulled out of the deal and canceled our contract to buy the property due to the condition of the home, end quote. 

They are an Investment Firm located out-of-state and were going to buy the house and use it as a Rental Property, however until all the safety related repairs are made, nobody can live inside of the home due to the risk of Fire, and/or the potential hazard of Electrical Shock. 

Between XXXX of 2022 and XXXX of 2022, Reverse Mortgage Funding has charged me over {$5500.00} dollars in Interest and Fees which is an illegal act of self-enrichment, while at the same time, have been preventing me from paying off the debt in full or from making any payments that would lower the interest during their attempts to force me into Foreclosure. 

Reverse Mortgage Funding doesnt want any payments from me at all ( and by their own words, they wont accept any either ) ; Reverse Mortgage Funding just wants to take the house for profit, and as evidenced by their actions, will do anything to get it!

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 2022-06-08
Company: Self Financial 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:
On XX/XX/2022, an unauthorized hard credit inquiry was pulled on my XXXX credit report by the company : XXXX XXXX XXXX. I did not authorize this company to obtain my credit information, nor did I authorize this company to inquire for my personal credit report from any credit bureau. My credit score was impacted by this fraudulent act from this company, and I have tried to contact them with no response. The parent company that owns XXXX XXXX XXXX is : SELF FINANCIAL, INC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
In XXXX someone stole my identity information and attempted to get credit cards with this information. I have been working since then with all three credit bureaus and basically have things fixed with XXXX and XXXX, but Trans Union refuses to make the corrections without this report. 

There are XXXX fraudulent hard inquiries showing on the TransUnion credit report on XX/XX/XXXX : XXXX and XXXX XXXX, which was for a XXXX credit card. Weirdly, both of these attempts were successful in opening accounts although they did not appear to have my Social Security number, thank XXXX. I called XXXX and I called XXXX XXXX and reported these fraudulent hard inquiries and they both told me they would contact the credit bureaus. I believe they have done so because it appears to be basically resolved with the other XXXX credit bureaus but Trans Union won't resolve it and keep lowering my credit rating, which was XXXX when this all started. 

I think the way this happened is that someone was able to get into my XXXX account using my email address, and then changing it to XXXX of their email addresses so they could access everything in that report I guess. Who knew it could be that easy.

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 2022-09-25
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
on XX/XX/2022 I sent a letter to I. C. Systems requesting debt validation for a collection account listed on my XXXX credit report by the name of XXXX XXXX XXXX for in charge in the amount of {$470.00}. i do not owe this debt and i would like it to be removed, i never received a response to my debt validation letter so i would like it removed.

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 2022-12-05
Company: JPMORGAN CHASE & CO.
State: AR
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:
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USBC 1666B : A Creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for purpose. 

I ask that all late payments on my credit report be updated to on time payment and still remain on my reports on these XXXX accounts JPMCB Auto XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
My cc was compromised on XX/XX/XXXX while traveling from Florida to Georgia. I was notified by 5th 3rd Bank by e-mail and text saying that my card had suspicious activity and I immediately called the fraud department to inform them the charges were not mine. I had two charges one being {$120.00} & the other for {$100.00} on XX/XX/XXXX. I was issued a case # thru the fraud department at 5th 3rd Bank and called several times thru the process of completing the removal of fraud charges, to include late fees and interest on my cc. I was issued a new card via expedited services from the bank and got charged {$30.00}. I have never used either of the cards from that point of the fraudulent charges. A case was opened on XX/XX/XXXX for the 2 disputed charges. I called again to just check the status as the FRAUDULENT charges were still showing on my old card. I paid my last payment in full in XXXX minus the two charges in the amount of {$220.00} and fees charged for the card with the outstanding balance still attached. I was reassured by the fraud department that I WOULD NOT BE RESPONSIBLE for all the extra late fees monthly as well as the interest charged. The policy at 5th 3rd is a 90 day window to complete the case which was finally rectified in my favor on XX/XX/XXXX and to date the charges are sitting on my replacement card with late fee and interest charges. I called the fraud department and spoke to a supervisor, XXXX who said she would have to check into this again. She left me a voicemail on XX/XX/XXXX telling me I still had an outstanding balance left on my last statement that had the fraud charges which I did not include in the full payment and are showing outstanding on my replacement card. I also went thru my XXXX statement online and have ZERO CREDITS FOR THE FRAUD CHARGES. I had told 5th 3rd Bank all along that I would not include the full payment as I was not paying the fraud charges. Nowhere on my day to day statement do I show a credit for the charges of {$100.00} & {$120.00} to include a {$40.00} late fee, and interest fee. I have not charged one thing on either card since the fraud happened on XX/XX/XXXX. This could be any easy fix as the amount of FRAUD IS the only thing left on my replacement CC. I have tried to tell them this and they seem to be trying to pull a fast one as if they can not see the fraud disputed amount is on my new cc issued and show it was not paid in full on my last statement. I am now referring my complaint to you all for help in resolving the issue as the amount of time spent on the phone holding is not working due to my work schedule. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: OneMain Finance Corporation
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Im not sure why my complaint was closed when I have 60 days to respond that's not professional at all. OneMain continues to persist that they aren't governed by federal law which is not true at all. OneMain never explained to me what how they came up with the finance charge in our agreement. Not only that but I also read that the finance charge is the sum of all charges, so how would I be paying anything more than that? I also understand that OneMain is supposed to tell me about my right to rescind this transaction and Never did. None of these right were clearly and conspicuously disclosed to me. This whole transaction is unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: Experian Information Solutions Inc.
State: CT
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 started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/XXXX, with follow ups disputes on XX/XX/XXXX, XX/XX/XXXX and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attached and help to resolve this matter soon as possible.

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 2023-08-24
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: Their investigation did not fix an error on your report

Complaint:
I have disputed this account ( XXXX  XXXX ) ( dated XX/XX/2023, XX/XX/2023 and it has never been properly investigated. TransUnion had chance to investigate the validity and accuracy of this account but has failed to do so which has been detrimental to my livelihood. TransUnion has verified this disputed account ( XXXX XXXX ) as accurate on XX/XX/2023 but inaccuracies still remain. This is a violation of FCRA Section 623 ( a ) 1 ( A ) ( B ) ( i ) ( ii ) which is the 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.

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