BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-02
Company: PNC Bank N.A.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have a Virtual Wallet account through PNC Bank. When I opened this account years ago one of the perks of the account was that ATM service fees would be reimbursed up to a certain amount. 

Sometime in the past year they changed the conditions of the Virtual Wallet account. Now they not only do not reimburse service fees but actually charge an additional fee on top of the ATM fee. When I inquired to a representative why this had changed, they were only able to tell me that they included a notification on a statement in XXXX of XXXX. They did not provide reasons for the service change nor for charging the additional fee. 

Compounding the issue is that at my local PNC branch ( XXXX XXXX XXXX XXXX, Washington , DC XXXX ) the ATMs are constantly in a state of disrepair and are not accessible after business hours. They've created a situation where you have to use non-PNC ATMs to withdraw cash and then make a profit off the inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Birchwood Credit Services, 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:
I just pulled a copy of my credit report, I was shocked to discover that i had some unauthorized hard inquires and I do not know where they came from. I believe i am a victim of identity theft and these inquiries are hurting my credit report. I am in the process of buying a home for my family and this is hurting my chances of being approved. Pleas remove the listed inquires that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: Experian Information Solutions Inc.
State: NC
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXXXXXX XXXX Balance : {$450.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$460.00} ; XXXX XX/XX/2022.

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 2022-10-19
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX XXXX XXXX, chair of the House Select Subcommittee on the Coronavirus Crisis, asked the CFPB to investigate Experian, XXXX and XXXX for allegedly failing to address consumer disputes during the pandemic. The select subcommittee said it found evidence that the agencies discarded disputes without investigation. 
XXXX said the credit raters potentially violated the Fair Credit Reporting Act. Experian is violating the FCRA by discarding my dispute letters and refusing to remove the following accounts. Although I've provided Experian with a FTC report they are discarding my dispute letters and refusing to delete inaccurate information. 

XXXX XXXX XXXX, Unverified Account DEPT OF XXXXNELNET, XXXX, Unverified Account XXXX XXXX BANKRUCPTY-DISCHARGED, Court : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX CFPB reported then that 4.1 % of complaints were resolved in XXXX, compared with nearly 25 % of complaints in XXXX, before the pandemic. Experian corrected about 52 % of the disputed late payments or other bad data. The subcommittee partly credited the pause on student loan payments and an increase in pandemic-related identity theft to credit reporting errors. Yet according to evidence obtained by the subcommittee, the credit raters discard millions of disputes a year without investigation. At least XXXX XXXX were thrown out between XXXX and XXXX, the subcommittee found. 

Discarding disputes violates the fair credit laws if any are submitted directly by consumers to authorized representatives.

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 2023-02-25
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have rights to my privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting 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
Consumer complaint received 2022-10-19
Company: Experian Information Solutions Inc.
State: LA
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:
n accordance with the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX This act states that I have a right to privacy and that a consumer reporting agency can not furnish my 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
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX  : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IL
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 am writing to request a correction of the following information that appears on my XXXX, XXXX, XXXX XXXX report : XXXX, Account number : XXXX XXXX XXXX XXXX XXXX The report shows I currently owe money a balance of {$2800.00} to your company that I has already been paid from XXXX XXXX XXXX on XX/XX/XXXX when the vehicle was returned. The vehicle was purchase from the dealership and as well as all payment obligations were also handled with buyer. Also upon viewing my credit report payment history was reported incorrectly. Payment history has not been reported from XX/XX/XXXX to XX/XX/XXXX and for the year of XXXX it is reporting I made no payments. With this inaccuracy reporting has hindered me from any lenders to deal with me. This is not fair to me at all!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Experian Information Solutions Inc.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX  XXXX # XXXX Account : XXXX  XXXX # XXXX Account : XXXX  XXXX # XXXX Account : XXXX # XXXX 15 USC 1681 section 602 A 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 an account without my written instructions. 

15 USC 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s 2 ( A ) ( 1 ) 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.

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 2023-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I would like to get a charge off removed from my credit report called XXXX  XXXX  {$4100.00}

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 2023-03-09
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
the address are not mine XXXX XXXX XXXX XXXX XXXX XXXX ohio XXXX and also XXXX XXXX XXXX XXXX ohio XXXX the credit bureaus do not have premission to report anything and i have the rights to my privacy!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 I was notified via automated email that my Chime bank account was being close that day. I am completely cut off from my own money without any warning. Every dollar I had to my name was in this account and when I called and emailed Chime I was met with the same non response. That they couldn't tell me why my account was closed and could not reopen it. That a paper check SHOULD be mailed to within 30 business days for the amount that was in the account at the time of closing. 

I'm horrified and scared. I have no money and I have no idea what to do. Chime is literally a criminal enterprise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am having an issue with my XXXX card through SYNCHRONY bank. I tried to email them to have cell phone numbers ending in XXXX & XXXX REMOVED from my profile. They stated that this is all linked through my XXXX CREDIT BUREAU which is ridiculous as I have had these same issues in the past before and they fixed it. They always have an old phone number linked to my account and I used to not be able to get a confirmation text to confirm my identity and had to call them to actually add my real cell phone as the website does not allow you to. I used to change phone numbers once a year and it has always been a headache. Why these numbers are back I do not know as I have had my current cell phone for about 5 years now. Either way in order to update your information on the website or even view it. The system prompts you to confirm your identity via a text message to your cell phone and/or a voicemail. Upon having to do this, I noticed they have phone numbers that are no longer valid. I tried to email customer service who said I had to talk to someone so I called customer service and of course they never have any idea of their system glitches and told me to call XXXX. I am tired of the incompetence by these credit holders and I can not understand why they do not have any IT departments to solve these issues faster.

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 2023-02-23
Company: EQUIFAX, INC.
State: IN
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:
XX/XX/2023 I wrote Letters to all three credit bureaus telling them that my personal information has incorrect addresses phone numbers and names I even seen my little sisters name listed on my credit report. I told them to remove and I gave a list of my correct addresses name phone and phone number and the information is still listed as accurate and mine also the ssi numbers are wrong I am being ignored and need help with this investigation I didnt give them consent to put that information out there

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: Experian Information Solutions Inc.
State: NY
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:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-06-08
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Thursday, XX/XX/XXXX, my fianc and I went to a Chase Bank location in XXXX, WA to deposit a check issued to him from XXXX XXXX and endorsed over to me for the amount of {$27000.00}. After around 2 weeks, Chase froze all of the funds in my checking account including the above check and is currently in the process of closing my account as they believe the check is fraudulent. After speaking to Chase on 3 separate occasions on XX/XX/XXXX and XX/XX/XXXX, the only way they will release the funds to me or back to my fianc is by calling a verified phone number. When they run his phone number in their system, it does not verify. They also refuse to release the funds to him or me in person with government issued IDs as well. We have also called XXXX XXXX to see if they can claw the funds back, but are unable to as Chase has now froze them. We need this money as soon as possible and the other money that was in my account to pay for my education and Chase is making this impossible. Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$150.00} XXXX Balance : {$0.00} XXXX XXXX Balance : {$5000.00} ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$780.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company 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 2022-09-21
Company: Experian Information Solutions Inc.
State: OH
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 phone and wallet were recently stolen at XXXX XXXX while I was traveling from XXXX, XXXX to XXXX, XXXX. I later noticed that there were XXXX orders on my XXXX XXXX account that I did not place. These orders were for a {$200.00} baby playpen and {$860.00} baby chairs that were delivered to someone named XXXX XXXX I don't know, in XXXX, at an address that is not mine. I do not have any children. I also noticed charges on my stolen credit card in my card app for payments to XXXX that were used to finance these purchases. My stolen phone was hacked into and my XXXX account was accessed, as well as stored personal information such as my Social security number and email which were used to apply for XXXX XXXX loans that were used to finance the purchases. I reported to both XXXX and XXXX that these orders are not mine. XXXX sent me multiple emails that I was still being held responsible for the loans taken out to finance the unauthorised purchases with XXXX. I currently live in the XXXX and have no idea who placed these orders on my XXXX XXXX account, nor have I used my XXXX XXXX account to place any orders to 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