BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-04
Company: PNC Bank N.A.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/XXXX I noticed there were several NSF applied to my PNC checking account. If they had processed them in order there would have been one NSF fee, but instead, they applied NSF fees to 7 transactions, {$36.00} a piece. I called on XX/XX/XXXX and spoke to a " consultant '' and she attempted to credit the money back but the system would not allow her to. The next day I went into my bank account to assess if there were any more NSF fees. That's when I noticed a " Teller Deposit '' for {$340.00}. I called and spoke to another " consultant '' and she told me it was for a child tax credit and it would be removed with the deposit of the child tax credit. I had my complaint escalate and was left an email by a woman ( I will provide the name later ). I tried to contact her and the number she left would just ring and ring and then hang up with no voice mail. On Saturday XX/XX/XXXX, after I had transferred funds and made a mortgage payment, PNC decided to revoke the " Teller Deposit. '' My account showed a negative balance and it's as if the " Teller Deposit '' was never made. However, I took screenshots. No notification and my mortgage has not been deducted yet. So I called the main PNC number on XX/XX/XXXX and the " consultant '' escalated my complaint to another individual in the same department ( Retail Management ). The gentlemen refused to give me his last name, employee ID, or any identifying information. I spoke to him about the " Teller Deposit '' at which point he told me it was a mistake by the teller and I shouldn't have spent the money. At this point, I explained that the teller told me it was for a child tax credit. So he looked at the account and stated it was a " COVID relief '' deposit. I then posed the question that they can just arbitrarily add and take away money without notifying the customer. He told me, " Yes, '' and I proceeded to tell him that this was not legal and he insisted that it was. I have been a customer for over 10 years with PNC and after this, it has left a bad taste in my mouth, and will be searching for another bank to bank with. I have screenshots in XXXX XXXX form for the company to review.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-04
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:
It has been proven that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXXXXXX Balance : {$35.00} XXXX  XXXX Balance : {$330.00} XXXX  XXXX Balance : {$47.00} XXXX  XXXX Balance : {$70.00} XXXX  XXXX Balance : {$70.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1200.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$250.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$320.00} XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX  XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXXXX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX  XX/XX/2020 XXXX  XXXX XXXX XX/XX/2020 XXXX XXXX  XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX  XX/XX/2020

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 2017-04-27
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:
I have made multiple complaints with   XXXX   for verifying my accounts with  XXXX   XXXX . There are  XXXX  accounts that are currently being reported past the  seven  year period of the original date of delinquency. I have made several attempts and most recently speaking with a representative on  XXXX / XXXX /   2017  by the name of  XXXX  and she spoke with her supervisor by the name of  XXXX . What I was explained by both individuals the date of delinquency starts over when the account is made current. I even explained per the companies website this is n't correct.

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 2021-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Yesterday I pulled my credit report and I noticed I have accounts on my credit report that don't belong to me nor have I ever authorized. I notified my lawyer and she instructed me to file a complaint with the CFPB first. The following accounts are fraudulent and are not mine and need to be deleted from my credit report. 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 Also these inquiries are fraudulent and not mine and need to be deleted from my credit report. 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 XXXXXXXX XXXX. I also see several inaccuracies with my personal information. The only name that I have ever used is XXXX XXXX, my address has always been XXXX XXXX XXXX, XXXX, IN XXXX and I am self employed. My only number is XXXX. None of the other information applies to me nor has it ever and needs to be corrected. Please correct it as well. Please help 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
Consumer complaint received 2017-10-09
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I learned last year that someone opened an account via XXXX XXXX in my name. XXXX will not provide a address where this card was mailed to nor how it was obtained, because I requested surveillance video to prove it was n't me but was told it was n't within their policy. I have never applied nor received a credit card from this company. Once I became aware of the account after receiving a collections notice, I contacted the company to advise the account was fraudulently obtained. I also notified XXXX to advise I did not open this account, at which time I later was notified that the account had been marked as fraudulent. Yet I am still receiving collection notices demanding payment on this account since it seems to continue to be brought by other collection agencies. Which is damaging on my credit report and I would like to ensure it is removed. According to the most recent notification I received from XXXX XXXX XXXX dated X/XX/17 the Original creditor XXXX XXXX Original account number XXXX with a balance of {$570.00}. After doing some online research I have learned that XXXX is allowing accounts to be opened online without any identification verification, if they have gained access to a persons date of birth, last four of their ss they can open an account. This has to stop

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2021 I entered a branch location of Bank of America to apply for a XXXX after physically speaking with two representatives I was then handed a phone to speak to a third representative NMLS # XXXX. At this time we discussed HELOC options. I told the loan officer I think my home was wort XXXX and he said if it appraised for XXXX I would be able to open a line of credit for just over XXXX. All the numbers we discussed were based of a LTV of 80 %. Loan officer also stated that a drive by appraisal would take place and if I disagreed with the value i could request a full appraisal. Two days after application and running my credit I was denied for the loan due to in adequate equity. When speaking to a client rep on why denied i was informed all their HELOC products require 75 % LTV. At this time i was also told a drive by appraisal was never done and I could not request a full appraisal that they would only be using their comps. If I knew up front the LTV requirement was 75 % I would have never applied due to knowing I would not be able to obtain the amount of funds I needed. I have asked the Bank of America to remove the credit inquire and was told they would. Still to this point I have received no communication this has occurred.

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 2021-09-01
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have 3 charges from ARS from different dates. None of those dated correspond with medical things I've had done. I've also had insurance consistently for the past almost 10yrs. I've tried several times to dispute the charges or get in touch with the company with nothing in return.

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 2017-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 disputed an item on my credit report with Transunion. There was an XXXX XXXX card ( which is my account ) reporting that the limit on my card was {$5000.00}. My actual limit is {$11000.00}. I submitted my dispute and stated that the terms were incorrect. Transunion removed the account from my report altogether. This account had a positive impact on my score while I 'm in the midst of trying to obtain a mortgage! I called Transunion and they told me to contact XXXX XXXX to request that 's it 's added back to my report. I was told by a rep that Transunion will not allow them to reinsert the item onto my report.

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 2021-10-04
Company: Selene Holdings LLC
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: Investigation took more than 30 days

Complaint:
Hi- On XX/XX/XXXX I made a XXXX mortgage payment within the allocated dates and time. We have until the 30th of the month to make payment without negative reporting. The Selene finance online portal provided an authorization and tracking number that the payment was accepted and posted. I have attached record of transaction.

Selene Finance reported us over 30 days late and negatively impacted my credit score. I have disputed with credit agency but to no avail. I would like them to please correct negative reporting to all three agencies. 

In the meantime Selene Finance has sold our loan to new servicer and now doesn't want to do anything about this inaccuracy since we are not with them anymore. 

Please have this derogatory report removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
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: Account status incorrect

Complaint:
XXXX XXXX has failed to update my credit reports with Equifax, XXXX and XXXX according to the current status of the account. I have paid XXXX current paid as agreed and my credit reports do not reflect this information. As per the data reporting on all XXXX reports, XXXX is still showing account listed as delinquent status which is not accurate. I have sent an email to XXXX XXXX of the XXXX at XXXX and her response was she forwarded over my request to update my credit files. I have not heard anything back from the company. 

I have received a statement emailed to my XXXX account reflecting no past due balance and that I am paid up to date. However no reporting was done to reflect I am paying as agreed. 

Statement has been attached for your review as supporting documents. 

As of today my credit reports do not reflect account being in a current paid as agreed status. My account with XXXX is current. 

This false inaccurate information has caused credit denials.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: WELLS FARGO & COMPANY
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
MY AUTO PAYMENT HAVE BEEN PAST DUE, EVERY MONTH, FOR THE PAST 6 MONTHS. I 'VE EXPLAINED TO XXXX XXXX THIS WAS DUE TO A UNFORESEEN DIVORCE AFTER 29 YEARS OF MARRIAGE. I AM STRUGGLING TO GET MY FINANCES IN ORDER, HOWEVER WELLS FARGO HAS BEEN OF LITTLE ASSISTANCE. THEY REFUSE TO WAIVE LATE FEES, THEY KEEP EXPLAINING HOW USELESS THEIR COMPANY POLICY IS REGARDING HELPING CONSUMERS IN MY PARTICULAR SITUATION. THEY HAVE THE ABILITY TO MOVES PAYMENT TO THE END OF CONSUMERS CONTRACT, THEREBY ALLOWING US MORE TIME TO ADJUST TO CHANGING FINANCES. THEY DID OFFER TO MOVE ONE PAYMENT, AT A FEE, TO THE END OF THE CONTRACT, UNFORTUNATELY, I NEEDED THEM TO MOVE ONE, WHICH SEEMED TO ME A COMPLETELY REASONABLY REQUEST CONSIDERING THE CIRCUMSTANCES AND THE FACT THAT I MAINTAINED A NEAR PERFECT PAY HISTORY OF AT LEAST 16 MONTHS, PRIOR TO THE DIVORCE.

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 2017-10-09
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I was researching my credit report as I do every month and noticed an account from XXXX XXXX It stated that there was a late account from XXXX XXXX. I called XXXX XXXX and they stated this account was opened in my name in XXXX. On top of that is was even prior to my XXXX birthday. I already had this dispute removed with XXXX in the past but for some reason this came up again. I supplied them with my state id, drivers license and birth certificate.

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 2021-10-04
Company: EQUIFAX, INC.
State: AZ
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/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: BAM Management US Holdings Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On Saturday, XX/XX/XXXX, I attempted to transfer XXXX XXXX  token from my XXXX XXXX  to Binance.US wallet. I mistakenly entered the wrong number in the memo field ( the wallet address was correct ) and as a result the funds were never delivered to my Binance.US wallet. After doing a quick XXXX search, I learned that this is a common, fixable problem and that for a fee ( XXXX typical transfer fee ) Binance.US can/will recover the funds. With that information, I submitted a ticket through Binance 's website. Given that Binance has multiple communication channels for service issues, I also shared that submitted ticket via their XXXX XXXX account. The next day, I heard from a Binance customer service rep in email requesting that I send the recovery fee so they could start the recovery process. They also replied on XXXX. Turns out the email was from a scammer and I lost those funds. Resubmitted a ticket with new information and heard back from Binance who confirmed that I had been scammed and that they could not help me recover the lost recovery fee I had sent over to the scammers. That said, they reassured me that they would recover my original lost funds but it was going to take some time. There was a backlog so they couldn't commit to a timeframe for the funds to appear. Weeks later, I have received no funds BUT they did send me a survey asking me if customer service had successfully solved my problem and if so, was I satisfied. Sensing that this might go on unresolved, I searched again to see what others were saying about this process and many offered that Binance.US is known for scamming their customers and typically doesn't resolve the issue until formal complaints were submitted. That's why I am submitting a complaint today. I hope this leads to a resolution. I've got the transaction details, email exchanges and XXXX posts from my interactions with Binance.US. Finally, I understand and accept that I will need to pay the recovery fee but the money lost far exceeds that XXXX fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: Credit Protection Association, L.P.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
XXXX and their debt collection company Credit Protection Association continue to report a debt on my credit report at all XXXX agencies despite this account being reported as opened via identity theft in XX/XX/2016. A police report was also sent to Credit Protection Association in XX/XX/2016. They continue to report this debt as in collections despite being in receipt of dispute documentation. XXXX also did not attempt to contact me or send any written notice of collection in advance of sending this debt to collections. They are both non-compliant with Fair Credit Reporting Act requirements.

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 2017-10-09
Company: Worldwide Processing Group, LLC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I missed the call while at work, an went on break to return the call. Upon speaking with the first agent, he verified my information ( i.e name, last known address, and last XXXX of social security ). After answering yes, he spoke authoritative to state that I had a previous debt from a company I never heard of. When I stated to him that prior to my move and job loss, I paid off all payday loans. He laughed and said " Ma'am do n't waste my time '' if you do n't pay your bills I just need you to say that, and that you are n't going to pay this XXXX. He stated that his name was XXXX. when I stated that he was rude and would n't let me address that the loan he 'd referred to was not the originator, and I wanted more information. He interrupted me stated I was a low life and then hung up. I waited about XXXX minutes and called back. I then spoke with XXXX at ext XXXX. He also ask to verify my identity to continue their credibility. I asked if he had anything in writing to prove the debt, he stated that his company could not forward such information. I asked if the accepted payments via mail, he stated they only accepted payment via phone. I asked if he had the originating account information, as I did n't know of the name by which he referred the debt. He said " XXXX XXXX '' was the parent lending company, and they are demanding the outstanding balance. He stated that once the {$500.00} was paid with either credit card ( with the exception of XXXX XXXX, debit card or pre-paid card, would be the only letter I 'd receive with regards to the debt. Although he was more polite, i do n't believe the company and the debt is credible. I have gotten other loans, and this company appears to not be legitimate to me.

Company response to consumer: Closed with explanation