BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-29
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I am the XXXX  for our local XXXX XXXX XXXX. We bank with Regions Bank. In the Spring we have a big fundraiser where we sell and spread XXXX  to help raise money for the kids to pay for outings, gear and Summer Camp. On XX/XX/XXXX we made a deposit that was about {$10000.00}. There was one check from a XXXX customer where the customer had written the date as XX/XX/XXXX and then changed the day from a XXXX to a XXXX. There were initials above it. The remitters bank ( XXXX XXXX ), refused to pay the item, and Regions returned it unpaid as altered and proceeded to place a hold on the entire account to investigate XXXX XXXX. The balance was over {$50000.00} and they froze the entire account, not just the {$220.00} that represented the check in question. The notice that we received in the mail only indicated a hold for {$220.00}. I went to the bank when a check totaling {$7100.00} for a trailer of XXXX was returned with a reason of Frozen account. The Regions manager opened a ticket and within a day told me the hold had been lifted from the account. We continued to do business by making deposits and writing checks for expenses. Then on XX/XX/XXXX I learn from a XXXX parent that a check we wrote him to reimburse some expenses was returned unpaid after he made a deposit into his Regions account on XX/XX/XXXX. So, I end up back at the bank to see what had happened. Apparently the hold that was to have been deleted on XX/XX/XXXX was never deleted. After my request to escalate, the manager was able to get the hold lifted by the end of the day. I have been in the financial services industry for 16 years, 15 of which was in operations for XXXX XXXX. 

Here are my issues with my experience. Im sure the date being changed triggered some flow chart of policy that was followed to return the check unpaid. But if someone actually looked at the check, they would realize that the date being changed from XX/XX/XXXX to XX/XX/XXXX ( initialed or not ) has no impact on a check that isnt deposited until XX/XX/XXXX. Any check that isnt stale dated or post dated should be fine if the date of deposit is after the date on the check. If the check in question is only {$220.00}, why put a hold on the entire account balance? If there is a freeze on the account for research of deposit fraud, why not block all credits too? Why continue to let us deposit into the account? And lastly, when you send notice that there is a hold on {$220.00}, only hold {$220.00}, dont hold the entire balance. Regions has been standing in the way of 45 Boy Scouts having access yo money they have earned to pay for XXXX XXXX. And while this XXXX be the way banking is done, it definitely isnt a good customer experience. It makes people question Regions ability to handle their business

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 2022-12-27
Company: FIRST FINANCIAL BANKSHARES, INC.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Monies ( {$2500.00} ) were wired to XXXX XXXX XXXX thru his bank ( First Financial XXXX XXXX XXXX XXXX  ) Address of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX / XXXX XXXX, Texas XXXX. Web site is XXXX and e-mail is XXXX After money was wired to them, they will not get back to me with leaving messages for some time now. Can you please tell me how to proceed as they are in a differant state than me? Thank you XXXX XXXX I also have documents to get to you but my computer knowledge is not so great?

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 previously disputed items that do not belong to me. I submitted a police report and FTC report. These accounts have not been verified as belonging to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-08
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:
XXXX XXXX XXXX has violated the FDCPA and FCRA and HIPPA Guidelines. First off my Non-Public Personal information was sold, share, disclose AND ADVERTISED between XXXX XXXX XXXX, XXXX, Equifax, and XXXX. This is Infringement to my Privacy. I recently disputed XXXX XXXX XXXX because laws were broken in regards to my privacy. XXXX XXXX XXXX, Serviced the account on my behalf, which is A violation under FCRA. ~15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. Also Under the FDCPA Violations were broken as well. ~15 U.S. Code 1692 - Congressional findings and declaration of purpose The Unfair Debt collection practices and Misuse of my NON-Public Personal Information being disclosed and shared without my consent. They committed a HIPPA violation by sharing and disclosing my PHI without my consent. While being an uninformed consumer during these Transactions, it has caused damage to my reputation and livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-02
Company: JPMORGAN CHASE & CO.
State: NH
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
My wife and I leased cars from a Massachusetts XXXX dealership, in XXXX and XX/XX/2016. 
The loans were through JP Morgan Chase bank, and administered by Chase online auto finance. 
The payments were set up to be taken automatically each month, from one of our XXXX ( XXXX ) accounts, by Chase auto finance. We have bank statements showing that those payments were taken on time each month, for each of our two cars. 
However, inexplicably, in XX/XX/2016 Chase Bank determined that we had defaulted on one of the loans and repossessed that car. We tried to resolve the issue by speaking to many different representatives at Chase finance, and even did so while getting assistance, in person, from managers at our local XXXX branch, who directly confirmed that the appropriate payments had been withdrawn from our account, on time, for each car. We also faxed all of the relevant XXXX statements to Chase. 
This was not sufficient however, and we were forced to REPAY several months worth of the loan, as well as repossession costs, impound fees, tax, etc, in order to get the car back and reinstate the terms of the car lease. 
In addition to that, we were forced to rent a car while our leased car was impounded. 

Since that time my wife has been on the phone with different representatives from Chase, practically weekly, and sometimes for hours at a time, trying to resolve the issue and have our overpayments and expenses refunded, due to the error ( s ) by Chase. 
She continually encounters dead ends, and each and every time she has been told a supervisor will return her call, the supervisor fails to do so. 
One supervisor in particular stopped taking my wife 's calls altogether. 
At every turn Chase finance has been unable or unwilling to assist us in resolving this issue. 

And now, the exact same thing has happened with our other leased car. It was repossessed last night, without any warning or notice of delinquency. 

We need help to resolve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX/XXXX has been reporting incorrect information on my Experian and XXXX  credit reports for years. On multiple dates with the last being XX/XX/XXXX XXXX/XXXX  couldn't even find an account # :XXXX**** with my name on it since it was opened XX/XX/XXXX. instead of correcting the error of 30 days late on XX/XX/XXXX they made reports worse by changing to now status as 30 days late instead of paid in full and adding another LATE for XX/XX/XXXX which is impossible since loan had matured and was paid in full and was never late.. I've asked XXXX/XXXX  on multiple occasions to send me proof of original contract with signatures and the proof I was 30 days late. Every time they have refused saying thy can't find cause of age on account. this is the only mark on my credit report and its affecting my score by 30+ points. Also contact info is different with each report with most being disconnected XXXX  FORMERLY XXXX # : XXXX**** XXXX XXXX XXXX   XXXX XXXX , AZ XXXX ( 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 2018-11-03
Company: Experian Information Solutions 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 information incorrect

Complaint:
EXPERIAN, I've tried and tried, to be as patient with Experian as I can be. But I've read the laws under FCRA. And I know that I as a consumer am protected by the FCRA laws. I guess Experian doesn't think so, when I filed the last dispute with Experian, the female that was taking down my information for the dispute was informing me that I couldn't dispute some of the incorrect information items I was trying to dispute, ( I still dont understand an employee working for Experian and not understanding, being trained or up to date on the FCRA laws ) collection agencies have to almost report mirrored information that the original creditor had. Original balance, credit limit, payment history etc., collection agencies report incorrect information daily to all 3 bureaus, THEY COULD CARE LESS about the FCRA laws, XXXX and XXXX had no problem understanding my disputes and resolved them satisfactorily, but then unfortunately Americans have to deal with Experian, and that's where the problem ls with my complaint.

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 2018-11-02
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I can not get proper access to my report, or my dispute abilities. I do not have the proper access for proper monitoring, dispute ability online, or following dispute online. They have this sector blocked, and will not even give me a reason as to why. I want to be able to properly monitor my credit, and I want full access like everyone else gets! If they have a right to report, I have a right to access, and correct. I was advised I may want to pay for their XXXX a month service if I wanted to access my credit, but it still would not allow me to dispute, or monitor my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: Paypal Holdings, Inc
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Hi PayPal, A couple of weeks ago, someone hacked my PayPal account because I lost my mobile number and they were able to reset the password. I managed to recover the account a few times, but the hacker kept resetting the password and transferring all my money to two of their own PayPal accounts. 

Here are the transaction details : Transaction One : XXXX - Amount transferred {$180.00} USD Transaction Two : XXXX - Amount transferred {$96.00} USD I opened an unauthorized dispute, but it was closed, and the reply was that no authorized activity was found. I don't understand how this is possible. My money was transferred without my permission, and my PayPal account was permanently suspended without my knowledge. Now PayPal is telling me that the transaction is consistent with my PayPal history, but it was unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX XXXX I was charged {$4000.00} for a treatment for my wifes XXXX XXXX. The treatment did not work and the doctor has moved to another state so it is impossible to rectify this with the merchant. Basically we were charged for something we did not receive so the problem is with the quality of the goods and services which is covered under the special rule for credit card purchases. Care Credits chat disagreed with this and directed me to complete the attached form with the admonition that not all charges can be disputed.

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 2017-04-05
Company: Resurgent Capital Services L.P.
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Upon recently contacting Pinnacle LLC in XX/XX/XXXX to resolve a debt from XX/XX/XXXX, my XXXX, XXXX, was given incorrect and misleading information by the employees that took her payment and information that day. This is her statement : " I called the company, expressed a desire to inquire about a settlement amount, and was told I was being connected to the department that handles account payoffs/resolutions. I was told by whomever answered the phone when transferred, by Pinnacle LLC, that it would be removed from our credit report, and that support of that would be sent via the mail and email. 

When nothing arrived, and the debt remained, ( though it is being reported as paid via settlement arrangement ) I contacted Pinnacle LLC on XX/XX/XXXX, and was informed that it was not their company that made that promise, or financial arrangement, but rather a company called " XXXX '' and that the information is slated to remain on our credit report until XX/XX/XXXX. I also was told, no less than 5 times, a phrase that was not mentioned at all when I contacted XXXX in XX/XX/XXXX to resolve the debt ... that their company " does not have a pay to delete program '' I informed the supervisor that I spoke to on XX/XX/XXXX that I found it odd that phrase was not said once when I 'd called before, and that it was almost comical that it was being said repeatedly, and that obviously that is a problem they are used to arguing with clients who trying to resolve their credit reports. 

To reiterate when I called to pay off this debt, at no time was I aware, nor did that person disclose, that I was being connected to another company, called " XXXX '' - a company which is not listed on our credit report, and one that Pinnacle does not have the right or legal authorization to allow them to handle payment of our funds, nor, as far as we can tell, who has permission to collect on that debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-12
Company: Experian Information Solutions Inc.
State: KS
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 contacted XXXX, XXXX and Experian multiple times since XX/XX/2022 to validate and remove inaccurate information on my credit report regarding a XXXX XXXX XXXX collection account number XXXX. I have sent multiple letters requesting deletion of this inaccurate information and XXXX, XXXX and Experian have failed to respond or validate this debt in violation of FCRA. This inaccurate collections account is severely affecting my credit report and causing great financial harm. Please have this account deleted from my XXXX account.

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 2023-11-07
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or a list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: ROC Asset Solutions, LLC
State: VA
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Recieved a call from a gentlemen named XXXX he left me a message while I was at work. Stating it was in regards to a debt related to my social security #. He stated I had limited time to speak with him to resolve matter. He left a number to reach him at that was not the same number he called from. A few hours later several family members and friends contacted me stating they had been harrassed by the company trying to find me and they had disclosed my personal information to them. I know have people that have my contact information that I do not speak with and now being harrassed by family that I have gone through legal matters to stay away from. This company claims I owe a debt to them and I am not even sure who they are, I asked for documentation and was told it could be emailed to me. I expressed I do not want an email only a written letter sent to my home which I have not recieved. I also expressed they are not to contact anyone other then myself and not to give out personal information if this continues I will press charges. They continue to call and harrass myself and family/friends in this matter and I have not recieved any documentation of a " debt '' that I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: EQUIFAX, INC.
State: TN
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:
Recently, I conducted an investigation on my credit report, and let me tell you, it really took a toll on me. I felt incredibly depressed upon discovering numerous items that were unverifiable, invalidated, inaccurate, and questionable. It was alarming to see that your agency had not ensured the information was reported correctly. 

You see, according to the Fair Credit Reporting Act, it's crucial for everything on my credit report to be 100 % accurate. And guess what? These accounts I found are in direct violation of both 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) since they are not reporting information that is 100 % accurate. This is something that needs to be addressed and rectified as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-08
Company: PNC Bank N.A.
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
This is a complaint against PNC credit card of business, the department of fraud has frozen my credit card in without warning me because there was a purchase from an account that was closed. I talked to the executive and i made my own research and I want to say that I did n't do those purchases. The executive has accused me of doing theses acts that i did n't do. I am a good customer to this bank and the last thing I want is problems with my credit card. I want to say that none of these purchases were made by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
These are not my account I want it to be removed.

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