BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-04
Company: Experian Information Solutions Inc.
State: TN
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:
Yes I have reached out to Indentity theft. gov here is my confirmation number for the two XXXX accounts that are due to identity theft. confirmation number XXXX. These two account do not belong to me and need to be deleted from all Credit Bureaus pleas.

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 2023-01-20
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:
This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Miscellaneous fees, overdraft fees then account closed yet went on my credit report. Called to figure out the fees kept getting the run around to call back.

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 2023-01-20
Company: Spring Oaks Capital, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
An account was fraudulently opened in my name and has been causing a great deal of harm to my life ever since. This account has been misrepresenting my credit report for the last 3 years and has caused insurmountable losses physically, mentally, emotionally, and financially. I demand this account be removed immediately from my credit report as it violates my civil rights by showing misleading information to creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a store credit with XXXX XXXX XXXX which is thru Wells Fargo. If I would have known before applied wouldn't have done it. I am a going paying customer. My bill is due on the XXXXbof every month. I received a billed stating that I have a {$29.00} fee which I didn't understand. I called customer service and stayed my issue. Customer service representative stated yes I was a good paying customer and she couldn't help as well as her supervisor. I was told and quote " Go to the bank and ask them to take it off. I was shocked and it was documented on my call either written or recorded. The bank stated she knew better than to tell me that. I have decided once I pay off this bill with the furniture store I will probably get rid of this account. Wells Fargo doesn't work for me

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 monetary relief
Consumer complaint received 2023-01-20
Company: PENNYMAC LOAN SERVICES, LLC.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I called PennyMac to request that I would like to remove the escrow account. The representative on the phone noted to me that it would be removed within 30 days, which is before my property taxes are due. I followed up with a question regarding who will be responsible for making the XXXX property tax payments due on XX/XX/XXXX. PennyMac informed me that I would be responsible for making the payments, so I did so on XX/XX/XXXX. I have not received my escrow refund, so I decided to call PennyMac today, on XX/XX/XXXX. PennyMac informed me that they did in fact make the property tax payment, which is contrary to the guidance I received in XXXX of XXXX. Due to PennyMac 's error, my escrow balance is currently negative and I will have to wait for a refund from the XXXX XXXX XXXX XXXX Treasury Department, which is notoriously slow and quite inconvenient, especially considering the amount in question. The taxes that PennyMac mistakenly paid were {$6700.00}. 

I was expecting an escrow refund of {$4600.00}. Due to PennyMac 's error, I now owe PennyMac {$2000.00} and have to wait for a refund of {$6700.00} from the XXXX XXXX XXXX XXXX Treasury Department.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
According to card member agreement, Amex Business Card suppose to have 4x points on all shipping. However they are in default of this agreement as they continue to not post points for shipping we are making

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-03
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 # xxxxxx XXXXXXXX XXXX ( XXXX XXXX XXXX Account # xxxxxxxxxxxx XXXXXXXX XXXX Account # xxxxxxxxxxxx XXXXXXXX XXXX Account # xxxxxxxxxxxx XXXXXXXX XXXX XXXX Account # xxxxxxxxxxxx XXXX XXXXXXXX XXXX XXXX Account # xxxxxx XXXX XXXX Account # xxxxxx XXXXXXXX XXXX XXXX XXXX Account # xxxxxxxxxxxx XXXXXXXX XXXX XXXX XXXX Account # xxxxxx XXXX XXXX XXXX XXXX ( {$30000.00} ) Account # xxxxx XXXX XXXX, XXXX ( {$63000.00} ) Account # xxxxx XXXX XXXX XXXX ( {$3300.00} ) 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

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 2023-01-20
Company: M&T BANK CORPORATION
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: Investigation took more than 30 days

Complaint:
I called M & T bank many times ever customer service tells me a different lie every time me as a mortgage broker for 26 years I know these things work differently when you pay mortgage you have to report that it has been paid on time if you don't pay its otherwise. They dont report to my three bureaus at all.

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 2023-08-02
Company: Experian Information Solutions Inc.
State: CO
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:
2 Personal Loans from XXXX XXXX XXXX was recently paid off. The team @ XXXX indicated that they've provided updates to the ( 3 ) credit reporting agencies about the paid-off & closed account status ' however Experian for example, has informed me that the status of my XXXX accounts will remain unchanged showing both accounts open with a current balance as per the request from XXXX. 

Please see the attached email from the office of the CEO @ XXXX confirming the accounts were paid in full, closed, and the credit reporting agencies were notified. 

The delay in updating my credit report showing a {$0.00} balance and closed account status is delaying my ability to complete the refinance of my mortgages since my credit report has incorrect information about the total amount of debt I currently have from the opened accounts. 

Account # : Loan 1 # XXXX Loan 2 # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: EQUIFAX, 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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and Equifax are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

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 2023-01-20
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hi, Good day! 
I would like to request PayPal to restore my account from being permanently limited with the help in your good office. This is unacceptable that my account was permanently banned for the reason of gambling, and other fraudulent activities. I have already confirmed my identity and I already sent out all the proof that they need. I am a freelancer and rendering service electronically. I am looking for clients in a different platforms like XXXX XXXX XXXX XXXX. I do XXXX XXXX through XXXX and XXXX. I am also doing XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Rates are different, it depends on haggling with clients. Some are low bailers and some are giving good rates. Please help me restore my account back, this is the only way I received my money from my clients and I need this to pay my bills with the money hold in this account. 


Sincerely, XXXX XXXX XXXX XXXX Account Holder

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Genesis FS Card Services, Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Spoke to customer service regarding credit card received that I did not apply for nor do I have any interest for credit card. There was approximately {$140.00} that was charged but it did not specify what the charge was. The gentleman I spoke with credited my so called credit card. About 2 weeks later I received a letter from Genesisfs card services requesting me to file an identity theft complaint and to provide Genesis a copy of the letter within 20 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: AutoBank Financial, LLC
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: 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 1681a-section 602 states I have a right to privacy 15 u.s.c 1681a-section 604a- section 2 in also states customer reporting agency can not furnish a account without my written instructions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: EQUIFAX, 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 appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX Date Opened : XX/XX/04 XXXX  : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: EQUIFAX, 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 loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. XXXX XXXX Date Opened : XX/XX/04 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Experian Information Solutions 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 loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. XXXX XXXX Date Opened : XX/XX/04 Balance : {$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 2023-01-20
Company: EQUIFAX, 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:
This is my continued request that I have been a victim of identity theft and seems like no one seems to care, that I want to dispute specific records in my credit file that do not belong to me or have an affiliation with me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX Balance : {$330.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wells Fargo stated that my account was frozen because of a bill I owe from a furniture store ( XXXX XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Professional Claims Bureau, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In my initial complaint to CFPB, I explained that XXXX and XXXX had sent several of my accounts to XXXX  XXXX for collection. Most were already in payment, as I had previously agreed with XXXX XXXX XXXX One was for {$440.00}, an amount for which I had never received any bill, despite two requests for same and two promises by XXXX XXXX XXXX employees, who said they would send the bill. I never received any bill from XXXX XXXX XXXX but through CFPB I received the necessary information, wrote the check for the full amount on XXXX XXXX, and noted that the check was posted to an account at XXXX XXXX  on XXXX XXXX. This same amount has once again been placed in collection- with different agency : Professional Claims Bureau LLC, in XXXX NY. Obviously the billing process at XXXX XXXX XXXX leaves much to be desired. Please have them remove this amount from " collection '' status, as it has already been paid to their bank account, and debited from mine - 14 days prior to the date of this latest notice from PCB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have had an active Bank of America checking account since XXXX. 

On XX/XX/XXXX, someone was able to go online and froze my checking account. The account is shared with my grandma. My grandmas caretaker is the person who froze my account because In retaliation for reporting her to adult protective services. 

On XX/XX/XXXX, I wrote the bank an email explaining the situation and I scolded them for allowing a person to simply go online to freeze an account. 

I reported the caretaker to the police and to the bank. I closed the checking account Ive had for 14 years and opened a new account with the same bank. 

On XX/XX/XXXX I get a call from the resolution center who is asking me to give them my password and I told them who are you kidding and hung up the phone. I immediately called my bank to tell them that I received a call and they wanted my password. Apparently it was the bank but asking a password goes against everything you are told about scams. 

I work for the XXXX  - The state of XXXX  and they were unable to procees my direct deposit request in time so they issued me a check for {$5300.00}. I made the deposit on XX/XX/XXXX. 

On XX/XX/XXXX I drove to the bank with my XXXX  paycheck, I made the deposit with the teller. The teller did not inform me there would be a hold, in fact the teller said the money will get in the account tomorrow. 

On XX/XX/XXXX, I go to pay my bills and my account has {$150.00} dollars and a memo stating funds will be held until XX/XX/XXXX as the check might be returned. 

On XX/XX/XXXX, I called the bank, they couldnt provide me any information, I drove to the bank and made a call to the bank end, they didnt provide me any useful information and I spoke to the XXXX  XXXX branch manager and she said there was nothing she could do or tell me why my money the same checks Ive received this part year-was being held. Every person I spoke with told me a different story : 1. Its because its a new account 2, its because your check was too much 3. Its actually not us that placed the hold the check looks good its the issuers bank None of them even cared they I had only {$100.00} to last 10 days. So rude.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I made a cash deposit of over XXXX dollars on a car sale. Made at a branch deposit XXXX.The transaction never appeared.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Wells Fargo took money from me.

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