BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-07
Company: AXOS FINANCIAL, INC.
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My check for deposit into my account was overnighted to Axos Bank and I received proof of delivery that it was signed for by XXXX XXXX on XXXX  at XXXX XXXX My check also had a deposit slip stapled to it. By XXXX XXXX I noticed that my check was not deposited. I called the bank and was told to wait one more business day for the deposit. I asked if she could see my check and she replied that she " can not see the details of my check ''. So she lied to me. I asked to speak with someone who could help me since the only thing she would tell me to do was " wait one more day ''. She would not transfer me or provide me with a different phone number. Finally, she told me to send the proof of delivery in a secure message through my online bank. So I did. I rec 'd an automated message back confirming the receipt of my message and a case created. I received no status update on XXXX XXXX  On XXXX XXXX  replied to my case. I did not receive a response. On XXXX XXXX I sent another message, I did not receive a response. I called the bank the same day and got someone on the line, but they disconnected from me. On XXXX XXXX, I called the bank and was told the same info from my XXXX XXXX  call. This is unacceptable. I asked to file a complaint and they would not transfer me to anyone, saying that they are unable to do so. 
After many times of going back and forth, he emailed me a form titled Affidavit of Unauthorized/Altered or Forged Check, which doesn't make any sense! My lost check has not even been cashed. The bank straight-up lost it. I can not get anyone to take charge of my case or even speak with someone higher up with the knowledge to assist with my case. I am getting absolutely NO HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: WI
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XX/XX/XXXX INMATE XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-28
Company: TRUIST FINANCIAL CORPORATION
State: DC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
On several days this month, XX/XX/2020, I made attempts to address and resolve the problems that I have with SunTrust bank re : my car note/car loan. I am at the end of this loan and I do NOT believe that my final outstanding balance is correct -- because 1. SunTrust bank has not given me credit for the car note that I paid on XX/XX/2020 of {$230.00} and they have been applying random amounts to my account at any time during the month for a LOT of months as Late fees ... {$22.00}, {$23.00} and lately/last fee was {$52.00}. 

As a senior citizen, in XXXX DC, I believe I am being scammed as I reach the end of my payments and THIS BANK will not discuss these problems with me in a respectable and decent manner as their CUSTOMER!! 

Now my account is going into XX/XX/2020 and I know they are pushing me to be able to charge me another month in a LATE FEE! 

I reached out to the XXXX XXXX  -- XXXX XXXX XXXX XXXX XXXX and Banking to address this matter on XX/XX/XXXX, XXXX and they are telling me that they do NOT cover SunTrust bank XXXX referring me to you! 

I need HELP!! They told me that I owe them {$300.00}, which I do NOT agree with because of them not giving me credit for my XX/XX/XXXX payment. But I also dont agree with several of these late fees and NOW the XXXX late fee that they will surely charge to me! 

I need HELP and I need assistance here. 

SunTrust WONT HELP ME! 
XXXX can not HELP ME! 
YOU ARE my LAST Resort!!

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 2023-10-11
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I went to chase Bank on XX/XX/2023 spoke with XXXX  about a electronic funds withdraw to another person to whom was scamming me she confirmed they could refund the this happened at around XXXX. By the time I was done the bank was closing so I wasn't able to do it that day to reverse the funds. The woman confirmed with me along with a second teller that I was able to refund the amount tomorrow ( XX/XX/2023 ) I went back that day to reverse the funds because I knew this was a scam and fraud. The teller then told me I'm no longer able to do it after that XXXX hour time period was done even after they told me that they would be able to do this. They knew I was being scammed out of this money and I felt as tho I was as well and had confirmed that I would be able to get my money back that day after I knew for sure it was a scam. The branch assistant manager then proceeds with me to assist informing me that there was no way they can help and that these tellers have given me false information. These scammers stole {$2500.00} from my account and put it into there account. The branch assistant manager told me the claims department would be able to help because they deal with all fraud and scams and would send me provisional funds. They did not. I have filed XXXX claims on my account snd they have told me even with police reports there will be nothing they can do as they don't cover scams and will not be refunding my money. I can not stress the importance of this matter enough this money was for me to move and these people that got the money scammed me and pretended to be home owners when they were not. I have already filed with the FTC. I was told by another claims member that if I have the police report they would be able to help. They continue to give me false hope and false information until I reach a claims supervisor. Once spoken with him he told me no matter what happens even with police report and ftc report there is no way they will be giving me my mo ey back. I can not afford to loose this money and will be having to file a law suit against my bank if I can not receive my money back. I will be taking chase to court for lying and giving false information. I am filing a police report for this as well. I have the names date and times of all the tellers and location of the bank. I will be getting there survalnce sent to me to prove that they Gave me this false Information with false hope. Please help me I can not loose any money I need it to move. I am supposed to be moving in XXXX month and that was my moving money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: PNC Bank N.A.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
As per the FCRA, I am entitled to a True and correct credit report, something I havent had for years since the Credit Bureaus have Repeatedly Failed to Correct the items or simply have not responded at all. I am becoming more and more disadvantaged as a XXXX person due to this. I have been deprived the opportunity to fully utilize or benefit from my true credit. Which is Unfair to me. 

I reached out to PNC Bank in the beginning of the Pandemic to let them know that my consulting contract was terminated for events scheduled for over a year due to the Pandemic Lockdowns. All Convention Centers Cancelled Events. 

I have Lates Reporting Throughout XXXX, XXXX, XXXX, XXXX Also. The Company Denied me assistance during the pandemic numerous times, but they seem to have reported to the CFPB in prior Complaint that they aided me with numerous forbearances and even supplied me assistance from XXXX. Which none of this was ever given to me during my Financial Crisis in the Pandemic. I had XXXX on XXXX occassions due to my children and mandatory quarantines. I was denied assistance during those time periods as well. 

Cares act gave the Creditor the Opportunity to Modify the Loan and Provide Assistance. The Creditor didnt do that. The Creditor also failed to Remedy Fraud which was found in my loan documents ( Payment was inflated almost {$200.00} after the automobile was delivered to my home ). I have submitted all documents in credit disputes with XXXX. XXXX and XXXX providing documents and Police and FTC reports confirming XXXX and XXXX. 

In addition to that was the Late Payments Reported During the Pandemic when I notified them Early XX/XX/XXXX and Continued to call and update my status being affected by the pandemic and they CONTINUED to not provide Assistance and Mark the Lates on my credit when I had no income and was on lockdown during the pandemic and my consulting events were cancelled well over a year which the creditor was made aware of numerous times. 

PNC Bank did not follow the laws Provided by the Pandemics Cares Act During the Covid-19 Pandemic. Calls can be subpoenaed where I repeatedly reported they were not compliant with the cares act during the Pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and update them immediately in my report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/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 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 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 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 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 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 2023-01-22
Company: Jon Barry and Associates, Inc.
State: NC
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:
I have a medical bill that was submitted to credit bureaus by collection company, XXXX XXXX XXXX, even though I was/am attempting to pay the debt. I am not arguing the amount, but due to financial problems I was not able to pay when the bill was originally sent out to me. The bill was sent out in XX/XX/XXXX and I received final notice on XX/XX/XXXX. The message was supposed to contain a link for me to access, but there was no link. Then on XX/XX/XXXX, I received message that included the link. I was not able to pay the full amount of {$940.00}, but I did make a payment of {$50.00}. I then made a payment of {$25.00} on XX/XX/XXXX. I noticed on XXXX XXXX that the bill had been submitted to the credit bureaus. I reached out to the company and inquired about the bill being submitted even though I was attempting to pay the debt. I received a call back from the supervisor the next day, XX/XX/XXXX around XXXX and she informed me that the bill was submitted because I did not pay on it until XXXX. I told her that I made two payments on the bill and was attempting to pay the debt and asked why was it submitted? I requested that it be removed and she said that it would not be removed until the debt was paid. As of today, XX/XX/XXXX, the debt is now down {$100.00}. 

I then disputed it on XXXX and my dispute was rejected. As I stated I am not disputing the amount, but the fact that it was submitted in the midst of me attempting to repay the debt. I am also questioning why my credit score was affected due to this medical bill-I was under the understanding that I had at least 365 days to pay the debt before it would affect my credit. I have been in good standing with my debts for over 10 years. As I have worked hard to maintain my credit and my debt, I am not perfect and I too have been affected financially by pandemic. 

I am requesting that I have the year/365 days to pay this debt before my credit is affected by this medical debt with any of the credit bureaus. It is showing on my credit report on XXXX that my score has been affected in a decrease of XXXX points. 

Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 previously tried to resolved this fraudulent account with this company I called this company and submit information for my dispute this company had numerous attempts. I will filing a complaint against this company and keeping a record of how this company is responding to my complaint and to show people of how this company treat there customers.

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 2023-10-11
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Account reinstatement or redemption after repossession

Complaint:
The XXXX XXXX XXXX XXXX XXXX was repossessed on XXXX of XXXX and seized in the parking lot of my gated community. There was no just cause for the notice or early repossession policy. The car was towed from the property without the keys to the vehicle. There was full coverage insurance on the vehicle as well as new tires and rims that i purchased. The settlement was paid in full and no arrangement was made to give the vehicle back after the auction. The vehicle was arranged to be delivered back after settlement arrangements.

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 2023-08-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.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 2023-05-12
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:
I asked the credit reporting agencies to verify my information, and they sent me letters saying they did. However, I have double-checked and there are many errors and inaccurate dates and other information. Here are the details : In accordance with the fair credit reporting act XXXX account # XXXX XXXX account # XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX  account # XXXX XXXX account # XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX account XXXX XXXX DEPTEDXXXX  account # XXXX DEPTEDXXXX account # XXXX DEPTEDXXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I gave the right to privacy.

15 U.S.C 1681 Section 604 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

has violated my rights.

15 U.S.C 1681 section 602 A. States I gave the right to privacy.

15 U.S.C 1681 Section 604 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Last XX/XX/2021, I sent out my dispute letter to you and its been over 7 months now, and I havent received any response from you yet. As far as I know, under section 611A, you are legally obliged to respond to my dispute letter within 30 days. However, up to this day, I received nothing from you which is ridiculous. This is in fact a clear violation and negligence on your part. Just so you know, I am keeping records of everything and should you continue to ignore my disputes, I am going to seek litigation for all the troubles youve caused me. I am trying to have these errors corrected for my family, but you seem to be not interested in helping me get this done. My information was impacted by the data breach and may have gotten into the hands of the wrong person and it's your obligation to fix all these errors.

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 2023-10-11
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
MIDLAND CREDIT MANAGEMENT is a debt buyer and needs written permission from me to report anything to me without first verifying the validity of a debt. If this persists it will fall under a violation of 18 usc 242 deprivation of rights under color of law : WHOEVER ( Midland Credit Management falls under this definition ), under color of any law, statute, ordinance, regulation, or custom, willfully subjects any person in any State, Territory, Commonwealth, Possession, or District to the deprivation of any rights, privileges, or immunities secured or protected by the Constitution or laws of the United States, or to different punishments, pains, or penalties, on account of such person being an alien, or by reason of his color, or race, than are prescribed for the punishment of citizens, shall be fined under this title or imprisoned not more than one year, or both ; and if bodily injury results from the acts committed in violation of this section or if such acts include the use, attempted use, or threatened use of a dangerous weapon. I consider reporting to my consumer report as a dangerous weapon that is causing me mental and physical harm which could lead to my death. If this happens you will be liable as this complaint will be on the record. and if death results from the acts committed in violation of this section shall be fined under this title, or imprisoned for any term of years or for life, or both, or may be sentenced to death.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
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: Account status incorrect

Complaint:
I am writing because upon reviewing my credit report I found late payment that I would like to get remove from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
i was called an ask to give my bank info which i did an ended up having XXXX dollars taken out of my account an chase is not giving me anything back my account was hacked an i sent the info to the Government i would like chase to resolve my problem as im struggling to pay bills

Company response to consumer: Closed with monetary relief