BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 've submitted several certified letters to all  XXXX  credit Bureaus about inquiries that I was unaware of listed on my Credit Report as of today I still have n't gotten a response. This situation is affecting my process of purchasing a home. Please instruct me on what I should do next. I 'm looking forward to hearing from you soon.

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 2022-03-03
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had opened my credit card in XXXX of XXXX. It was a personal credit card, not a business credit card. The name of the credit card is know as XXXX XXXX. Wells Fargo Bank closed out my credit card account on XX/XX/XXXX. My credit card was never paid late, not even once. I also never went over my credit limit. I opened a business checking account in XXXX with the same bank and my business itself did suffer throughout the year in XXXX, but I never used my credit card for that business in any way. I noticed in XXXX that once the business checking account had fallen into the negative for about {$300.00}, a few months later the bank closed out my personal credit card and then sent me a letter to my home with no descent explanation. Even when I called the bank one representative had told me he could not find any real explanation as to why the bank had closed out my personal credit card with them. I put in a request to speak to someone such as a manager and even when I did get that call a few days later from a manager, they still gave me generic info with no specific reason to the closure of my credit card other than they have the ability and right to close out any account at any given time. Closing out my personal credit card hurt my credit rating and was so uncalled for unless I had not taken care of that particular account in which again, I know I did. To resolve the problem, my request is that the bank reopen that account, or I will also file 2 more complaints. One with XXXX XXXX XXXX XXXX  and one with the NJ Attorney General Office.

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 2022-03-03
Company: Experian Information Solutions Inc.
State: MD
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:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX556****-Balance {$0.00} XXXX XXXXXXXXBalance {$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 2017-08-27
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX still has my account as showing openon all 3 Credit Bureaus. When I paid a settlement agreement of {$500.00} to have this account closed. I signed the paperwork they sent me and said it would update in 30 days, it is past 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
i reached out to XXXX and transunion regarding an extended fruad alert that was appearing on my credit file that i did not request and that was ultimately placed on my file without my permission, each consumer reporting company told me they had trouble verifying me and to sumit a dispute and attach documents however i submitted this dispute asking this information / alert to be removed from my credit file XXXX and transunion have faailed to remove this information or answer my dispute in a timely fashion or comply with the fair credit reporting act 16 usc 168i iam asking that this information / alert be removed from both my XXXX and transunion credit file as its hendering me from obtaining credit additionaly XXXX has failed to allow me to access my report iam asking that my report be made available to me as required by law

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-30
Company: PNC Bank N.A.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I called into the PNC call center about a 2 overdraft fees. I was sent to the escalation department. The case worker there was rude and unhelpful. I ask to speak to a supervisor. She rudely said to me " that the overdraft fee would not be refunded regardless of who I spoke to ''. I was told that if I had a problem with that I could send a letter to corporate. Today, X/XX/17 I called the corporate line I found online. A male consultant then told me that if I wanted to go ahead and use my card, I could opt into overdraft protection ( which would just charge me more in over draft fees. ) I have been treated aggressively and the customer service reps refused me the opportunity of speaking to a supervisor. I feel the refund was due because of a bank error. I had an overnight direct deposit come in. The bank processed the deposits after allowing my account to over draw. I feel the bank allowed this to happen to exploit the circumstances and make money off my account. I am not asking for ALL 6 of the overdrafts ( at {$36.00} each for a total of {$210.00} ) they have charged me this month. Just the 2 that went through last night.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: VIRGINIA HOUSING DEVELOPMENT AUTHORITY
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Dear CFPB, My fixed 30 year mortgage with VHDA when up from approximately {$2300.00} to approximately {$2400.00}. VHDA and XXXX XXXX reported to me that my mortgage was a 30yr fixed mortgage when I bought my new townhouse. Now I have been told by VHDA that my HUD insurance when up. VHDA told me to call HUD for further explanation. I called HUD FHA Resource Center and they referred me to CFPB to file a complaint to VHDA. I hope you can investigate my case ( FHA Case Number XXXX ) at your earliest convenience. I appreciate your assistance. 

Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
hello, i am just learning how to review my credit report AND upon checking it i see 2 unauthorized accounts that I need deleted immediately. i lost my wallet a while back and now i check my credit report and i see this. 

the accounts are as stated below. 

XXXX XXXX XXXX XXXXXXXX BANK XXXX XXXX ACCOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Colony Brands, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX of 2022 Seventh Avenue reported to the credit bureau 's that I owed them {$150.00} for an order that was placed on their website. I had never heard of this website, did not order anything, and did not receive a package. When I looked further into it they had completely gotten my gender wrong by saying it was for a " XXXX '' ... .I 'm a XXXX. It also was addressed to an address I haven't lived at for over 2 years. When I disputed this with XXXX, I also took the initiative to call the company and ask about it myself. I have a recording with a representative of Seventh Avenue 's billing department where they state that the issue has been looked at and will be removed from my account. It is now saying that it is my debt and is continuing to impact my credit. I have been lied to and mislead. Upon looking at other reviews it looks like this is a common tactic that the company uses to force people into debt with them. This company needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Experian Information Solutions Inc.
State: PA
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:
Car was traded and paid off, showing late payments

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: PNC Bank N.A.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is my second complaint with regards to the same issue at PNC mortgage. The roof of our residence was damaged in the hailstorm on XX/XX/2017. Our insurance company has issued us a check so that repairs may be performed. The check is made out to PNC. I have sent the check and all of the necessary paperwork and PNC is still stating that they do not have the paperwork. ( I have sent the insurance adjuster 's estimate from XXXX XXXX at least 3 times. ) I have a contact with PNC mortgage named XXXX XXXX, and when I have tried to call or email her, the email comes back as 'undeliverable '. 

Complaint number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
On XX/XX/XXXX I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion Intermediate Holdings, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. Transunion, XXXX, and XXXX are also in violation of 18 USC 1028A for aggravated Identity Theft for furnishing these alleged public records/XXXX  XXXX Bankruptcy and accounts. 
My credit report is still reporting two XXXX XXXX. accounts, and a XXXX bankruptcy account. Please see attached FTC Identity Theft Report. 
On XX/XX/XXXX, I sent Transunion, XXXX, and XXXX a follow up letter to request they remove the above accounts and they did not. This has caused me tremendous XXXX XXXX and financial hardship.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-21
Company: Aargon Agency, Inc.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I created an account with  XXXX   XXXX   XXXX  whom conducted an investigation on this collection account. As a result of the investigation, the collection account was removed from my credit reports. Last week, the collection account was placed back on my credit report with  XXXX  and  XXXX , showing a new balance owed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Used XXXX XXXX site that showed me a page with loans that I could be eligible for and said it was n't an application but to put how much I needed and I hit enter and sent told me I 'll be getting info to see what they say. Now I have a copy of my credit report and XXXX XXXX ran my credit to all those loan places that was on that page and I now have 12 inquiries!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX still has my account as showing openon all 3 Credit Bureaus. When I paid a settlement agreement of {$500.00} to have this account closed. I signed the paperwork they sent me and said it would update in 30 days, it is past 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
i reached out to equifax and XXXX  regarding an extended fruad alert that was appearing on my credit file that i did not request and that was ultimately placed on my file without my permission, each consumer reporting company told me they had trouble verifying me and to sumit a dispute and attach documents however i submitted this dispute asking this information / alert to be removed from my credit file equifax and XXXX have faailed to remove this information or answer my dispute in a timely fashion or comply with the fair credit reporting act 16 usc 168i iam asking that this information / alert be removed from both my equifax and XXXX credit file as its hendering me from obtaining credit additionaly equifax has failed to allow me to access my report iam asking that my report be made available to me as required by law

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: ZWICKER & ASSOCIATES
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I received a IRS tax refund on XXXX for {$8800.00} ; plus {$470.00} for my boyfriend 's tax refund as well as our regular paychecks on XX/XX/24 ( which gets deposited for both of us every 2 weeks ). Everything was fine but then on XXXX ( one day after the refund was given ) my ENTIRE account was emptied out without consent or notification. They withdrew all the money out of my checkings and savings account in the total amount of {$8900.00} and even charged a {$55.00} " legal fee ''. I HAD NO IDEA THIS WAS HAPPENING MY BANK DIDNT CONTACT ME OR THE LAW FIRM THAT GARNISHED ALL MY MONEY. I called XXXX XXXX and they basically told me this is a legal matter and gave me the number to the law firm Zwicker and Associates at XXXX office XXXX and wouldnt let me speak to the legal department or fraud department. They told me that this firm has money and that I have to call them and left me high and dry. So this morning I have been trying to get in contact with this law firm ( which has legal action against me without any notification by phone, email or mail- this account with XXXX is over 10 years old and they have NEVER contacted me or garnished any of my paychecks before. I called them and spoke with several different offices and kept being referred back to the XXXX ( XXXX XXXX ) BUT NO ONE PICKS UP THE PHONE THERE- it says the extension XXXX does not subscribe to this service when you try to get to an operator it says the number can not be reached from this service and hangs up. SO at this point, I have NO IDEA WHO TOOK MY MONEY OUT OF MY ACCOUNT OR WHY- this debt. with XXXX is over 10 years old and they don't even have the correct information on me which is probably why I never received anything and they ZEROED out my account to the last penny!!! My bank just let this all happen- did not contact me as well. When I called, 2 agents told me I gave consent for this ( which I definitely did NOT because I didn't even know this was happening never recieved any documentation from the law firm or bank NOTHING ) So at this point I have no money and no way to get it back. I just had a baby and that was what the tax refund was for and now it is all completely gone and XXXX XXXX let it happen!! Also the debt with XXXX was way less than they took from my account by over XXXX dollars!!! They left me with completely nothing and isn't it required by law that they leave at least 25 % of your wages in your account when garnishing ( if this was even legal )? I tried to explain this to the bank and they said that they can take my money without my consent and that they now have your money so call them! Which is why I am filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
The bank is claiming there was a fraudulent and scam check in my account, I do not hold any responsibility about this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have filed several complaints with this company regarding this unverified account that is reporting on my credit file. This company ( XXXX XXXX XXXX ) provided protected health information without an authorization which is also a HIPAA violation. I have notified TransUnion of this violation and they refuse to comply with the law. TransUnion have repeatedly violated the FCRA by continuously reporting an unverified account that is in violation of HIPAA. I notified Transunion several times, and my last letter to them explaining that this company has to have a signed authorization before releasing any type of medical information to me or to anyone else. Transunion refuses to comply. Transunion is currently reporting this account as " Meets FCRA requirment '' which it DOES NOT meets FCRA requirements and Transunion must be held accountable if they refuse to follow the law regarding reporting an account that is in violation of HIPAA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
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: Information belongs to someone else

Complaint:
On XX/XX/XXXX I contacted Experian and spoke to a gentleman regarding some fraudulent inquiries on my credit report. I explained that yes some of the inquiries are mines however many are not. The gentlemen that I spoke with told me that it was close to them closing and that he was unable to assist me at the time. I am very upset regarding this information that the agent was not willing to help regardless of the time I reached out. I asked if they can be removed immediately or at least investigated to be removed. He was not willing and I need the information that fraudulently appear removed IMMEDIATELY. The following information/inquires are not mines and I have no knowledge of the information. 
1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4.XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XX/XX/XXXX 6. XXXX/XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9. XXXX XXXX  XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 11. XXXX XXXX  XX/XX/XXXX 12. XXXX XXXX XX/XX/XXXX 13. XXXX/XXXX XXXX XX/XX/XXXX 14. XXXX/XXXX  XX/XX/XXXX 15. XXXX/XXXX XXXX XX/XX/XXXX 16. XXXX XXXX XX/XX/XXXX 17. XXXX XXXX XX/XX/XXXX 18. XXXX XX/XX/XXXX 19. XXXX XX/XX/XXXX 20. XXXX  XX/XX/XXXX 21.XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 22. XXXX XXXX  XX/XX/XXXX I have previously explained that I have been a victim before and know that my personal information is still being used.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have inquiries I know nothing about that popped up from 2020 my credit score was XXXX last month then out of no where it dropped to XXXX I never been late on a payment for nothing I feel like XXXX playing with my credit score they dont wan na see XXXX XXXX people with good credit I mean why drop my score for no reason.!!

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