BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately

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 2020-08-12
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have received 2 charges from Insight Capital that I did not authorize. Today I received a notification again that they attempted to withdraw money from my account ( without prior authorization ) but luckily my account is overdrawn so they weren't able to. However, every 2 weeks, during my payday they withdraw money from account without consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: ERC
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ENHANCED RECOVERY COMPANY Reported : XXXX. XXXX, XXXX XXXX XXXX {$210.00} Opened XXXX XXXX, XXXX ( 1 yr, 3 mos I have reported this account numerous times through the means of credit reporting disputes and nothing has been done about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: KEYCORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX around XXXX, I attempted to make a cash deposit of {XXXX into my checking account via XXXX at a KeyBank XXXX XXXX XXXXXXXX XXXX XXXX  XXXX The ATM accepted the cash, kept it, but did not credit my account. Instead, i was given a slip saying there was an error and to resolve the issue in person at a branch. 

When I returned the very next day, when the bank was actually open, they acknowledged that the XXXX had extra cash  stuck inside but did not count it or seemingly do anything to keep my funds from being lost. They told me they filed a dispute and would conduct an investigation. 

When I returned on XX/XX/XXXX, after receive absolutely no communication as to the results, i found that the teller had not filed my dispute to the correct place and my claim was denied. The person helping me at this point claimed to pass it off to his XXXX and the original teller that filed my dispute to the wrong location. At this point they told me they would call me on the XXXX to inform me of more details and a possible provisional credit. 

Today is XX/XX/XXXX, and i have received no communication. I also sent an email to their customer service over a week ago, with no follow up communication. 

At this point, I've been into the branch in person twice ; reached out electronically ; given them more than the 10 days the electronic funds transfer act allows them without a provisional credit ; they have never even admitted to taking my funds in the first place, beyond saying the found some cash in the ATM that morning. I don't see a difference between my situation and handing my money to a human teller, who then loses it and denies me ever handing it to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: ERC
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The debt has been addressed, discussed, settled and disputed with client and XXXX other collection agencies. It is agreed that debt should no longer be collected for reasons stated previously. 

Dispute of Reference No. XXXX | Client Acct # XXXX Enhanced Recovery Company, XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) 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 2021-04-01
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX my wife and I exercised our rights to cancel the loan we closed with SunTrust Bank on XX/XX/XXXX. On XX/XX/XXXX we made a written request to SunTrust Bank for a refund of all fees paid by us in connection with this transaction.

We had paid a total of {$580.00} for an appraisal and a credit report.

We received a letter from SunTrust Bank dated XX/XX/XXXX that stated in part " we respectfully decline your request for reimbursement. '' OnXX/XX/XXXX we sent a letter to XXXX XXXX at SunTrust Bank asking that they reconsider and included the wording from Section XXXX - Truth in Lending, specifically paragraph 23 ( d ) ( 2 ) which directly addresses our issue with SunTrust Bank. 

OnXX/XX/XXXX I received a call from XXXX at SunTrust Bank and she informed us again that SunTrust would not refund the {$580.00} we paid in connection our mortgage refinance request. 

I will note I called your agency in XXXX to discuss the section of Truth in Lending noted above and was told clearly that SunTrust must return these funds. 

Please let me know if you need anything further from me at this time. Thank you in advance for trying to help us.

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 2023-10-18
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting 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:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 submitted various disputes over time with this agency regarding accounts that are frivolous or are showing inaccurate information. However, upon submitting the disputes with the agency, 3-4 weeks later, I receive a letter with my credit report and the investigation results. They come back verified as reported. I know by law, that the accounts in question can not be verified because these companies do not possess a signed contract or have a document such as a copy of my drivers license or social security card attaching me to the accounts in question. Therefore I sent debt validation letters to the creditors or collection companies. Within 30 days, I received nothing back or a statement outlying balances of what is owed. According to FCRA under section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 1 ) ( A ), the agencies must provide documents proving their method of verification. I have sent at 4 letters requesting documents and I have not received any response in accordance to my request. Listed below are the accounts in question that are on my credit report that should be deleted due to inaccurate information, that by law is an unverifiable account. 

XXXX  # XXXX Unverifiable Acct XXXX XXXX XXXX # XXXX Unverifiable Acct XXXX XXXX # XXXX Unverifiable Acct.

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 2022-08-25
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 in the XXXX XXXX  and a XXXX  XXXX Report # XXXX was pulled on XX/XX/XXXX. On this report was an account with creditor : XXXX XXXX XXXX with a balance of {$7600.00}. Open date of account was XX/XX/XXXX. I have never applied for credit of any sort with this organization. I called to have this disputed on several occasions and was told that it was because i had a loan with XXXX XXXX. 
I had a loan from XXXX XXXX for {$7800.00}. This loan was placed into a debt consolidation program with XXXX XXXX XXXX and was later settled with a collection agency : XXXX XXXX XXXX in the sum of {$4700.00}. I have attached all documents received to support my claim that this outstanding balance is null.

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 2023-06-05
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had a suntrust credit card from many years and when suntrust was taken over by Truist, I tried to get a new card as my old suntrust card was damaged, the new card was never sent, I am assuming due to the transition. Yesterday I got a notice that the account was being closed due to inactivity but the only reason it was closed was because I new card was not issued after repeated requests. I also did not receive notification that the account would be closed due to inactivity until after the date of closure which was XXXX XXXX XXXX  Notice of the account closer was received on XX/XX/. They are now telling me the account can not be reopened and I am concerned with the impact to my credit rating due to the loss of available credit.

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 2021-05-13
Company: Google Compare Credit Cards Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Google Payment Corp. ( GPC ), which administers Google Play balances in users Google Payments account - refuses to redeem 4 Gift Cards of {$10.00} value each. On XX/XX/XXXX, I attempted to redeem these at the play.google.com/redeem webpage and received the message that " The code you entered has expired ''. The text printed on the cards under Terms & Conditions states " No fees or expiration dates applicable to this card. '' The website referred to on the card - play.google.com/about/card-terms.html that provides the extended Terms and Conditions - specifically says in Section 3 No Fees or Expiration. " No fees or expiration dates apply to this Gift Card or Credit. '' On XX/XX/XXXX, I contacted Google Play support at the link available through the Learn link. I corresponded with their support over 8 days with more than 6 email exchanges. I was repeatedly asked for the receipt for the cards, and if I couldn't provide a receipt, there was nothing they could do for me. As these were A GIFT, I do not have a receipt. You can find screen shots of the redemption rejection, and photos of the card with Terms and Conditions text. I can provide all 4 card codes upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX I deposited 2 checks from my retirement fund through the mobile app of course! After doing that find out that they put a HOLD on the deposit for several days! I also have my insurance through USAA and with the hold on my deposit they cancelled my insurance! The deposit was for 4400 and some change. After finding out about the hold I contacted there CS and that was a waist of time but was told to contact there Executive Resolution Team. After being on hold for over 1.5 hours I finally talked to XXXX! I was told by her that it.was friday and anyone that could release the hold was gone for the weekend and so the VETERAN CUSTOMER is set to suffer again. After being in XXXX XXXX you would think they would want to serve there customers BETTER! Now my insurance is cancelled my checking account is on XXXX XXXX the 4400 sits in my savings with a HOLD while USAA uses my money and I cant! I also have tried to email XXXX XXXX amd well I guess you know how that went! IT DIDNT!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: Nelnet, Inc.
State: MD
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:
Hello, My name is XXXX XXXX. I'm a XXXX veteren with a XXXX XXXX. I have no student loans and have been sent letters from Department of Education and NelNet that I have no outstanding loans. On my credit report student loans show up showing a balance of over 28k and late payments. This is all incorrect, I have no student loans. They where discharged years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Based on, 15 U.S. code 1681i - procedure incase of disputed accuracy states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S. Code 1681c2 - Block of information resulting from identity theft states, Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of 616. Civil liability for willful noncompliance 15 U.S.C. 1681n states, Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of It has been 30 days and you are in VIOLATION of these laws because I am a victim of identity theft & I have provided the proper documents to prove such. Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

Inquiries : XXXX XXXX date opened XX/XX/XXXX Accounts : XXXX XXXX  Date opened - XX/XX/XXXX Balance - {$200.00XXXX XXXX XXXX XXXX XXXX opened XXXX XX/XX/XXXX Balance - {$440.00} XXXX Date opened - XX/XX/XXXX Balance - {$1600.00} XXXX XXXXXXXX XXXX Date opened - XX/XX/XXXX Balance - {$2500.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance - {$2500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-13
Company: JPMORGAN CHASE & CO.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
in XX/XX/2019 i made hotel reservation thru Chase Travel, and paid total {$1000.00} for hotel in Greece.Hotel cancel my itinenary due covid 19 and notified Chase travel for refund.Chase Travel sending me notification about processing a refund, but not refunded yet. i spoke with dozen suprvisors over 12 month period and evryone agree that they unlawfully holding my money, but they have limited tools to help.its disgraceful.please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I was preapppoved for {$3200.00} I submitted my application and I was denied due to not verifying my identity I called customer service and then they send me a one time code and then they told me someone will get back to me in four days which it dont make any sense if they verify me then I should be approved then I applied again then it was denied again and they are trying to pull my credit report again but I didnt let it happen. I refused .. so I want them to approved my application I submitted at XXXX XXXX not the one for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: PNC Bank N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XX/XX/2023 I made a payment to my credit card account at PNC in the amount of {$220.00}. My available balance was then {$3000.00} after the transaction. Pending transactions + {$1200.00} roughly with the previous balances ranging from a {$4200.00} balance. On XX/XX/2023, I check my account and the balance was {$2600.00} in the available balance. As if I made the transaction twice. I believe they are switching their small amounts with their large amounts, and charging the large amounts last to effectively creating a larger increase ledger in the malpractice of availability on the ledger manipulating of pending transactions on the mobile app.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: Exeter Finance Corp.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
The auto loan was assumed in XXXX ( in XXXX  ), including tax for {$26000.00}. and for 18 month I have been making payments for {$510.00} a month. I called to get a payoff today and was told it was {$18000.00}. I asked how that was possible and was told due to daily interest of 11.37 % on top of the interest on the loan 22.16 % that I was not putting any money towards the car payment, only the interest. I said what I have done to cause my loan to only have my payments go towards interest and not my payments? No straight reply given to me. 
I XXXX this company to find out that in XXXX in another state, XXXX, they had to pay back over XXXX XXXX dollars to buyers they hurt during these type of scams. More recently, XXXX, their BBB   accredidation was revoked for the same scams. They settled on XXXX XXXX for consumers state in subprime auto loan settlements. There is a link provided to read the court matter, judgement, and settlement on the BBB website. You can also find this by XXXX  the company name and the word scam out beside it. 
The blue book on the car is not even worth what they are saying I owe for the payoff. I can't even trade it in and try to get a lower interest rate elsewhere now. I will be upside down. I am on this loan with my daughter. She lost her job due to covid and being XXXX. She had to quit her place of employment due to her doctors instructions. I am trying to pay my bills plus hers. I was hoping to get a different car for her, only to now find out doing that is not an option, do due shady companies like this making it impossible for people. If you look at it the way they have calculated this loan, I have only paid XXXX over 18 months for this car. That is not fair or correct. This is devistating to not able to climb out of a fnincial hole because of compaines taking advantage of people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: PNC Bank N.A.
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:
On XX/XX/2022, I wrote a check # XXXX to my telephone provider, XXXX, for {$64.00}. 
The check was altered to {$9500.00} and that amount was to an XXXX XXXX on XX/XX/2022. The PNC bank was contacted within 60 days of the date the check was written, to correct the problem. PNC requested a an affadavit of the altered check. This affidavit was submitted to PNC XX/XX/2022.

Company response to consumer: Closed with monetary relief