BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-05
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Today, XX/XX/XXXX, I used my XX/XX/XXXX atm card at a PNC bank atm XXXX which I am also a bank customer ) to take out {$300.00} and did not receive my {$300.00} even though the {$300.00} deducted from my XX/XX/XXXX XX/XX/XXXX account. I needed these funds to pay a deductible for a doctor 's appointment that day in order to be seen. While sitting at the atm in me vehicle, I called into the branch and explained what occurred. I was told there was nothing that could be done and I needed to call XXXX to file a dispute. When asked how I am to prove to XX/XX/XXXX I did not receive the {$300.00} from their PNC atm machine when the money shows deducted from my XX/XX/XXXX account. I asked if I could have something in writing and was told no and XXXX would contact then and their atm would show in excess of the {$300.00}. 
I also used my PNC atm card to make sure my {$300.00} would not dispense if used by someone else. I completed my transaction for just {$10.00} to see if my PNC atm card would work ; however, the {$10.00} did not dispense either. When I informed the manager XXXX XXXX of this and that the machine is malfunctioned she immediately sent someone outside to inform the customers in line behind me that the atm was not working and stated she would have to report this. 
When calling my credit union they informed a dispute could be filed but my account could not be credited for 10 days. As a result, I had to take another {$300.00} from my account that day to pay my deductible for my appointment. Making my account reduced by {$600.00} v. {$300.00} which was a hardship. 
A customer should never be told, there is nothing that can be done to help them or told about their energy, or that they understand when they clearly do not understand the reason I went to the atm is because I needed my money right then, not 10 days later after having filed a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: AmeriCash Holding LLC
State: WI
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
In XX/XX/XXXX a loan was taken out in my name for {$1000.00}. Two pay stubs were given to the company with my name on them. I did not work for the company that was on the paystubs. The money was deposited into an account at a bank that I have never use, nor was my name on the bank account. In XX/XX/XXXX I got a final notice of default on the loan. I contacted the loan company about the loan. They informed me of what they had for the loan and that was my name, phone number, address, Social Security number, and place of employment. I informed them at the current moment that their email address, phone number, and place of employment were wrong. I gave them the right phone number and email address so they can send over all the information about the loan, loan request information, and the documents to acquire the loan. At the end of XXXX beginning of XXXX, I sent a fraud affidavit to the clients attorney that was still suing me for this loan. I am still being sued for a loan that I never applied for never received never gotten a copy of the actual loan application, used in my name to apply for this loan. 

The loan company never verified any information before sending funds for the loan I never applied for or received. Because of the loan companies negligence, this is costing me time, money, and health issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still a specific account that needs to be UPDATED. The 3 credit bureaus must verify this account : XXXX XXXX XXXX XXXX : {$4000.00}

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 2021-03-19
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Around XXXX 2020XXXX Synchrony Financial Bank 's " Customer Service '' department suspended my XXXX XXXX XXXX XXXX XXXX for reasons withheld while making purchase attempts on XXXX. My address had changed from XXXX to XXXX, so presumably I was triggering some kind of algorithm in their Security & Fraud area. My complaint follows its demonstrable commitment to treating me like a criminal for their incompetent Fraud activities, their Customer Service 's deference to that area, and their Executive area 's refusal to engage in a meaningful conversation about their internal practices. To clarify, the CS department XXXX online in chat with " XXXX XXXX '' or " XXXX XXXX '' XXXX repeatedly deferred elsewhere for support even when XXXX claimed management status. XXXX XXXX " Senior Specialist, Corporate Consumer Relations XXXX # XXXX on behalf of XXXX XXXX XXXX office discarded my voice messages and emails to XXXX about its deliberate indifference to my use of the card. It's one thing to refuse to service a card through gross negiligence, but to confirm my accusations against XXXX, today Account XXXX " XXXX '' literally verified their plan is to ignore my requests for support and " close '' the account due to inactivity they caused through false allegations about my card 's use. XXXX had gone out of his way to force me to identify myself as " its '' customer, then withdrew any support as XXXX customer in order to skirt the issues presented. To be clear, he added their management would NOT close my account as counter-requested to his conduct and this crystallizes a very questionable banking practice. They have in effect ruled me out as having any voice in their operation on grounds that they can insinuate me as not deserving of listening to on false grounds that they themselves created. XXXX did not deny, as " XXXX '' did, that staff in-accountability was at issue here. He simply reiterated what XXXX XXXX inaction had implied the entire time. It can do whatever it wants including ignoring a bona fide customer 's request to close account on grounds that it fabricated entirely.It perpetuates its insidious conduct through saddling customer with lies such as XXXX XXXX and deliberate indifference at the executive level.This goes way beyond my ability to control. I resent the fact that on its this platform, paid staff in concert together volley me about using false inferences to steal my credit balance and act like that's just the way the cookie crumbled instead of their own crookedness. We aren't responsible, that's on them. " We're so sorry, '' their script continues, and they serve up a well rehearsed poison, " I completely understand, '' as if their falsehoods can not be discovered outside of our chats/calls made.

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 2023-03-30
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: Personal information incorrect

Complaint:
I have been attempting to correct my information with Experian since XX/XX/XXXX. I have sent letters and made multiple phone calls which I have documented. I called today to attempt to rectify the situation again with success. They are in violation of 15 USC 1681 reporting inaccurate information that is causing havoc in my life, my livelihood. I have filed a complaint with the attorney general, and now the CFPB. I am also seeking a consumer law attorney to move forward if this matter is not resolved immediately. Credit reporting agencies have a duty to report only accurate information and they are not doing it. I attempted to rectify this situation XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and now XX/XX/XXXX. My next step will be to sue.

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 2021-01-16
Company: ENCORE CAPITAL GROUP INC.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have an account in collections on my credit report. Original credit was XXXX XXXX XXXX who turned it to collections thru Midland Funding. I never satisfied the debt and when I first called, possibly XXXX of 2020 ( not sure on exact date ) Midland Funding directed me to call XXXX XXXX XXXX XXXX XXXX and provided me their number. When I called in, the person on the phone told me my account was new and was locked, whatever that means. So I left my contact info hoping they would contact me. When I did not get a call, letter or email, I called back and was told the same thing. The lady on the phone understood my frustration but would not share a single detail of my account, answer any questions about why it was still locked and said I cant even pay on it. Yet again, still no contact from this law office that is supposedly in control of a debt on my credit report which is severely hurting my ability to get a simple loan or credit card. It is the only account in collections I have and they will not give me any options to move forward. I even submitted a settlement offer on their website hoping it would get things going but still ZERO contact from them. It is wrong for them to be able to negatively affect my credit report without ever sending me documentation as requested, not providing me any information, and failing to communicate with me. I was willing to pay but now I just want this removed from my credit report since they cant verify it or even unlock my file so I could pay on it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The Experian and XXXX Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$2300.00}

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 2023-01-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
My account was closed when multiple fees went through all at once. Causing my bills and pending transactions to create an over {$1000.00} over draft.

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 2022-09-06
Company: EQUIFAX, INC.
State: NJ
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: EQUIFAX, INC.
State: CA
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 had a XXXX XXXX Credit card with an account ending in XXXX It went delinquent in XX/XX/XXXX then they charged it off at the end of that year and filed a court case against me in XX/XX/XXXX, which eventually turned into a judgement. I have paid the judgement in full according tot he amount they requested, they cleared off the amount but still are showing an owing balance of {$650.00}. Please see the court information and the judgement completion documentation from XXXX XXXX. They need to REMOVE THE BALANCE OWING ASAP, I am trying to purchase a home which I can not with that balance owing. Furthermore, it is unethical for them to both claim I owe on my credit report and dually file a judgement against me. They should have zeroed out the credit report when they were granted the judgement for the owing balance. This has been affecting my credit in 2 different ways.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX I purchased a used car and financed {$29000.00} with Capitol One Auto Loans. I signed up online for automatic payments and chose the " weekly payments '' option offered by Capitol One. The first payment as made automatically on XX/XX/XXXX, second payment on XX/XX/XXXX but then I was charged a late fee on XX/XX/XXXX. On XX/XX/XXXX I received a call from Capitol One saying I was delinquent, I was able to get them to agree that I wasn't delinquent. As of XX/XX/XXXX my account still shows I'm delinquent and that I've been assessed a late fee. I called Capitol One today, XX/XX/XXXX, they wanted to grant me a one time late fee forgiveness but I should never have been charged a late fee in the first place. I refused the offer and got them to agree that I shouldn't have been charged a fee in the first place. They claim that they will correct my account once the claim is reviewed by another department. I'm filing this complaint because this should never have happened in the first place and if I hadn't been vigilant about checking my account I could have paid several incorrect fees and possible damaged my credit. To me this seems to be a trap set up by Capitol One to get consumers to pay fees that never should have been charged in the first place, if it happened to me it must be a common occurrence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: CL Holdings LLC
State: NC
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In 2020 I purchased phones from XXXX. We were lied to by a predatory sales agent about XXXX service and bill amount and when we went to address it, the agent had been fired. 

XXXX greatly reduced the amount owed on the account and only made us pay the balance of the phones as an apology. ( from XXXX to XXXX ). A few years later the difference showed as a debt to Jefferson Capitol Systems on a credit report. 

We contacted XXXX and they said there was a mistake and it would be handled. They said it sometimes happened whenever accounts are paid off. I waited 6 months and it never went away. I was told to contact Jefferson capitol. 

They said they could not remove it, that they purchased the debt from XXXX so to them it is a debt. 

I attempted to pay it to just be done with it even though I shouldnt have had to and they said it cant be paid because they no longer have it and that they sent the debt to a sister company in ( XXXX ). I was never notified. 

When I contacted XXXX they said they did not have it that it was sent back. I was not notified about this either. Only Jefferson Capitol shows on my report. 

Neither debt collector has any information nor will allow the debt to be paid. XXXX did not even know the balance owed and didnt have any information they could use to verify who it belonged to. 

I have done everything I can short of hiring an attorney and contacting the police. To them this is a non-issue and an everyday practice, to me and my family it is hurting our ability to purchase a home..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: EQUIFAX, INC.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: In progress
Consumer complaint received 2019-06-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account, because it is inaccurate, I have also requested validation of the debt. 

In communication with the XXXX XXXX and XXXX, I made the process, having no results and return this account as verified, formally request, debt validation, instead capital one responds with a letter, to send you a copy of my report credit and underlining or mark the errors, is not only that, is to request verification with documents that carry my signature and did not respond to it. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: Strategic Alliances, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
FFAM is requesting debt that I do not owe. I do not know who this company is and I do not have any agreements to pay this company. I have requested proof but have not received it.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
old reaged accounts repeatedly slander my name and never go away. My scores are repeatedly dinged hundreds of points for reaged debts not mine, not owed, disputed in full ( as law allows for refusal to remove debts not mine- including fruad ). XXXX/XXXX/XXXX  XXXX  outright refuses to remove the debt whatsoever. Ive heard excuse in the book. TU is abusing priviledge here- slandering my name with inaccurate info beyond the statute of limitations in all 50 states. account age is from late XXXX, not XXXX. Account is NOT OPEN, NOT UNDER ACTIVE COLLECTIONS, TO DO SO IS UNLAWFUL. company responsible for reporting this info does not care. Accounts listed as fcra and fdcpa compliant- if they were, they would not be in my files. I DEMAND TRANSUNION RESTORE MY GOOD NAME AND REPUTATION IMMEADIATELY- and purge this XXXX from my files. Reported XXXX XXXX XXXX  united- which is the accurate state of affairs.

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 2021-01-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Open both checking and savings account with BOFA. 
I was informed that I needed to have minimum balance of {$1500.00} to avoid fees. 

I did maintain a combined balance of {$1500.00} or more to avoid fees w/o realizing that the {$1500.00} minimum balance applies to one account ( Checking only ) I called BOFA asking for refund of all fees that were charged ( 5 X {$12.00} = {$60.00} ) and have put at least {$1500.00} on checking only but was only refunded ( 3 months x {$12.00} = {$36.00} ) of fees. 

It has been a nightmare to speak with someone from BOFA over the phone since I can't go to the branch due to COVID and BOFA app/website DOES NOT HAVE ANY MESSAGING FEATURE to communicate via secured message to discuss checking fees other than having to call in.

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 monetary relief