BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-07
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Im not able to access my account to provide dates. 
I received a tuition reimbursement check but it was a scam. The check was deposited but did not clear. I already had money in my checking account at the time. The next thing I know I'm not able to access my account and they wont tell me anything. Ive been calling for months. Ive never even received a lettter in the mail. Its like my account is gone. I have XXXX dollars in the account that im not able to access and I need that money as im not currently employed. I call and get no where.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Have been going back and forth with Equifax for many months ... still have requests about removal of items ... Equifax keeps changing the date of report on items that I am trying to get removed. Equifax states " positive items '' stay on report for 10 years from date of report ''. This is wrong. Every time Equifax sends me an updated report that changes the time frame of removing an item from my credit report. 

QUESTION : HOW LONG DOES A NEGATIVE ITEM REMAIN ON MY CREDIT REPORT-AND FROM WHAT DATE " DATE OPENED '' OR " DATE OF LAST ACTIVITY '' QUESTION : HOW LONG DOES A POSITIVE ITEM REMAIN ON MY CREDIT REPORT AND FROM WHAT DATE- '' DATE OPENED '' OR DATE OF LAST ACTIVITY '' MY UNDERSTANDING IS THAT NEGATIVE ITEMS WILL BE REMOVED ( OR CHANGED TO A POSITIVE STATUS '' 7 YEARS FROM DATE OPENED. 
*XXXX-Date Opened XX/XX/XXXX-over 7 years old-this should go to a positive status now. CORRECT ASAP. 
For the 4th time, I am requesting the items be removed : *XXXX : I NEVER USED THIS ACCOUNT. CREDIT CARD WAS APPROVED, BUT I DID NOT WANT THIS CREDIT CARD. DATE OPENED XX/XX/XXXX-OLD REMOVE-OVER XXXX YEARS OLD. 
*XXXX-REMOVE-OLD ACCOUNT OPENED XX/XX/XXXX-10 YEARS OLD REMOVE EQUIFAX STATES ITEMS THAT HAVE BEEN PAID IN FULL WILL AUTOMATICALLY BE DELETED TEN YEARS FROMTHE REPORT DATE. YET THE REPORT DATES CHANGE TO WHEN THEY SEND ME ANOTHER UPDATED REPORT. THESE ITEMS NEED TO BE REMOVED NOW AS THE DATE OF REPORT EQUIFAX SENDS KEEP CHANGING - AND THEN ITEMS KEEP STAYING ON MY CREDIT REPORT LONGER THAN NECESSARY. 
remove these items now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30
Company: Experian Information Solutions Inc.
State: MI
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 believe in the month of  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , De  XXXX   XXXX  this company had an inquiry on my credit report that I did not authorize.an illegal inquiry.

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 2021-09-06
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:
I'm completely stressed out from false information that continues to be reported to my credit report by XXXX XXXX, and TransUnion! There was absolutely nothing done or changed from my dispute that I sent to all three of them on XX/XX/2021! I did NOT receive any results from any investigation and that is a FCRA violation!

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 2023-04-06
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
All of the bureaus are diclimg a refusing to remove or dispute any of the inaccurate items that are on my credit. I continue to ask them to show me proof of who thery verified information from and when they continue to ignore me and violate my consumer rights.

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 2022-04-22
Company: Experian Information Solutions Inc.
State: FL
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2017-02-28
Company: WELLS FARGO & COMPANY
State: WA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I received a student loan through wells Fargo. When I graduated that is when I started to make payments. But they kept on adding fees on my payments, there were a few times where where I called in my grace period to make a payment as my paychecks fell later in the month but the customer service was horrible, would n't work with me, added those fees. Then about 7 to 8 months into making my payments, the last day of my grace period landed on a Sunday, I got paid on Monday. I called the previous Friday where they confirmed I could pay the loan no problem. I called on Monday and they placed my loan in collections. I pleaded for them to take it out of collections and they would n't budge. They stated that it would n't accrue interest while in collections either but it screwed up my credit big time.

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 2016-02-17
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The loan was in review for a modification with Wells Fargo / ASC. On XXXX XXXX, XXXX, a letter was sent to me from XXXX stating that my trial modification was approved and that I needed to make XXXX payments to solidify the modification. This letter is attached. Wells Fargo called me on XXXX XXXX, XXXX and stated that I had missed the first payment, but that they would continue the review if I wired the funds immediately to them. On their direction, I did so. The wire is attached. I called Wells Fargo back on XXXX XXXX, XXXX, and told them I was able to wire more funds to make the XXXX and XXXX payments in advance. They directed me on how and where to send the wires. That wire receipt is attached. On XXXX XXXX, XXXX, Wells Fargo called me and stated that I had not made my XXXX XXXX payment. I was confused, as I had made a payment on XXXX, but they told me to make another payment, and by their instructions, I did so, on XXXX/XXXX/XXXX. That wire is attached. I heard nothing about the loan mod until I received a notice of intent to foreclose on my house. I hired an attorney who spoke with XXXX XXXX at Wells Fargo and an escalations team member named XXXX. The attorney contacted Wells Fargo on XXXX XXXX, XXXX, but the file was not assigned to XXXX until XXXX XXXX, XXXX - ten days later, 3 days before the foreclosure sale. XXXX called the attorney on XXXX XXXX, XXXX, stating that though ASC confirms that my loan was in active review for a loan modification during the time of XXXX XXXX, XXXX, ASC denies sending me the attached letter. The letter has my full legal name, mailing address, Wells Fargo account number, and monthly payment information - items that only ASC would know. The letter is written on ASC letterhead with a barcode for filing purposes on the side of the letter. XXXX stated that Wells Fargo denies receiving the payments I sent them. They say that they removed my file from the modification program the same day they called to tell me to wire them more money on XXXX XXXX, and a month before they called me in XXXX to have me wire even more money. They say they are going to take my home tomorrow, though I did everything they told me to do. XXXX told me to call the police. I am concerned given the detail of the letter that if ASC did not send it, that they have a extensive privacy breach with regard to my file. If Wells Fargo did not call me to make payments, then someone inside their company is scamming money from their borrowers, as when I call the number back, I speak to representatives at Wells Fargo. I would like Wells Fargo to give me a chance to keep my home.

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 2022-04-22
Company: EQUIFAX, INC.
State: FL
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
When I apply for a mortgage or car loan, the finance officer has a different credit score than I get on-line, or even when I receive a statement from the XXXX agencies. Their score is always lower. I do n't know if they 're lying so they can charge a higher interest rate, or there 's two different scoring systems. Which is it?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Capio Partners, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In accordance with the Fair Credit Reporting act. ASSETCARE LLC is violating my federally protected consumer rights to privacy and confidentiality un

der 15 USC 1681. Alleging a debt is owed and furnishing to the credit bureaus without notifying me
first. This is also a violation of due process ; I do not know who my accuser is, and ASSETCARE LLC is a third party debt collector doing business in texas without a license and in violation of mentioned laws herein. 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 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.

For reasons stated, ASSETCARE LLC debt-collector must remove all inaccurate information from my credit reports due to the fact they have no legal right nor my consent to post/furnish on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22
Company: New Era Asset Management, LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Makes frequent repeat phone calls throughout the day, has done two phone calls back to back. Consistently contacted other parties seeking location information after having my contact information and refusing to send written notice to my address. Called my place of employment and refused to end phone call after I stated that I was at work and continued to pressure me to stay on the phone waiting for an email to come through after stating multiple times that I was at work. Caller used a very demeaning tone and continued to pressure me in to a conversation while I work in a hospital setting. The company clearly uses scare tactics in their communication efforts with me and the other parties they are trying to involve.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
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: Reporting company used your report improperly

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

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 response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: WELLS FARGO & COMPANY
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I went to XXXX XXXX to get an XXXX inspection for a XX/XX/XXXX Mercury Grand XXXX and a computer reset. State law requires the car to be driven before inspection w and the fact that it takes up to 100 mile for the computer to reset and give a reading on passing or failing inspection. I had already had a diagnostic from XXXX XXXX saying that my egr valve and spark plugs needed to be replaced which I had repaired in XXXX and XX/XX/XXXX. Also, I bought a battery since it had a dead cell in it. XXXX XXXX said that they had a dealer tag and would drive the 100 miles needed to reset the computer which I was glad to pay for. Unfortunately, they did not drive the car because the odometer was the same XX/XX/XXXX as previous inspections XX/XX/XXXX. What they did do was damage my car so that they could use body parts from a Lincoln continental for repairs on my car and make {$680.00} I told them that I would pick my car up, but I was 10 minutes late and XXXX threatened to leave. I quickly paid for the ticket {$190.00} without seeing the actual paper work because I was rushing to prevent the tow truck driver from leaving. I thought that they had driven the car, but when I went back the next day to get the repair ticket they had charged me for other services including the inspection but had not driven the car as I had requested. I told this to Wells Fargo who credited my visa debit card and a few months later charged it back. The told me that I needed a second opinion about repairs even though I gave them evidence of the previous inspection and the one done by XXXX. showing the exact same odometer readings the same on XXXX and a brochure from XXXX XXXX stating state law. I gave them a letter from XXXX a car repair shop stating that driving the car had to be done in accordance to state law before inspection and they charged {$110.00} to reset automobile computers on their machine. Now my checking account is in collection with Wells Fargo who says I need a XXXX opinion to dispute a charge of not getting the services that I paid for which is a violation of the visa rules regarding purchases. I notified them the next day after I saw what I paid for on XXXX XXXX and paid for it XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Applied for a Mortgage with Navy Federal on a Foreclose house XXXX/XXXX/XXXX. Pre-approval letter after some very stern phone calls XXXX/XXXX/XXXX. Loan Officer would not return your call or call from numbers that was not working for Navy Federal. We are at closing and have n't receive the HUD sheet, the Attorney Office had to let us know we will not close XXXX XXXX, XXXX. Navy Credit sent an email requesting more information XXXX/XXXX/XXXX around XXXX our time because they are located somewhere in Florida. Somebody call my cell earlier that morning but did n't leave a message, I guess it was XXXX XXXX because she did leave a message in the past from the same phone number. the email was asking questions concerning our dependent age and how much we pay for his daycare in the last two years, they stated it came from our tax transcript. Caluculated the distance my husband would have to commute and is his job relocating XXXX XXXX. Did I relocate to my current job because my Employment verification stated XXXX/XXXX/XXXX, my Employment verification letter gave them 24 years of Federal Services. Why my husband had a gap in employment, which they got from tax transcript and question income from rental houses we own. Now asking for XX/XX/XXXX tax return when we sign release form for them to obtain XX/XX/XXXX and XX/XX/XXXX tax transcripts. I can go on and on but the main thing we will not make closing XXXX/XXXX/XXXX and still have n't heard when we will close. I sent all requested documents timely and sent emails asking was anything else needed. we have to go 2 hours to close. The Navy Federal Credit Union had all requested information in a fimely fashion and now we can close on the date in the contract and talking about an extension meaning more money the buyers have to pay and some attorney do n't give or waive that fee, Navy should pay for any additional money because it 's not the Buyer fault we did n't make closing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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. 

XXXX XXXXXXXX XXXX # XXXX has violated my rights XXXXXXXX XXXX # XXXX has violated my rights XXXX  XXXX bankruptcy discharged has violated my rights XXXX XXXX  XXXX has violated my rights XXXX XXXX  # XXXX has violated my rights 15 USC 1681 Sections 602 A States I have the rights to privacy 15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without written consent.

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 2022-07-26
Company: Genesis FS Card Services, Inc.
State: IL
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: Information belongs to someone else

Complaint:
I have been watching my credit scores closely, and on XXXX found out someone fraudulently changed my address to an address in XXXX, XXXX, Which I live in Illinois and have most of my life, and charged a bunch of charges on my milestone Credit card account over {$1300.00} under my name. The reason I knew something was wrong was because my score was XXXX on XXXX and it dropped down to below 580 on XXXX. Also I had paid the account completely off in XX/XX/2022, so I knew something was really wrong. 
So I called the credit card people, and I have filed a Identity theft report with the FTC on XXXX. 
I need to put a fraud alert on my accounts and on my social security #. 


Thank you, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: Paypal Holdings, Inc
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I submitted a complaint last XXXX to the CFB regarding PayPal and a dispute that I had with them from XX/XX/2006 PayPal told the CFB that they lifted the restriction on my account however they continue to place an undue burden on me utilizing the service in light of this. Frequently holding funds from transactions several weeks and issuing only generic email responses and not answering my calls when I call to complain. As a consumer this places an undue burden on me when I sell something on Ebay and have to wait an inordinate and uncustomary amount of time to receive my funds when post people receive their funds instantly from items they have sold and mailed. Yes, they even hold my funds after I have mailed and sent the items with a tracking number. This is particularly egregious because customers who purchase from the site have no alternatives to pay for products. Ebay who owns Paypal forces consumers to use their payment processing service PayPal. So I am stuck with no response from the organization and I am continuing to be punished for a matter from 9 years ago that I thought we resolved last XXXX XXXX with Case number : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
On XXXX XXXX, 2016 I wrote a check to Wells Fargo Mortgage for {$3600.00} to pay off my mortgage. This was the payoff amount I was quoted by both their online site and a bank officer at their branch. The payoff amount I was led to believe included all interest due and processing fees. The bank has since come back told me that I have interest due and a processing fee of {$18.00} due. After talking with Wells Fargo they have agreed to waive the interest charge, but not the processing fee of {$18.00}. I have paid the bank in full and should owe no more money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation