BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-14
Company: TRUIST FINANCIAL CORPORATION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Saturday ( XX/XX/22 ) I went to a local Truist Bank branch to get a cashier 's check to pay my taxes. I noticed that the check was made payable to the IRS when the instructions form I brought with me to the counter stated that the US Treasury should be the recipient. I asked that the check be re-issued. The cashier told me, in real time, that the check would be cancelled, re-deposited, re-withdrawn and then a cashier 's check would be issued. 

None of that actually occurred, and instead the account was double-drawn and therefore my line of credit was activated as well as overdraft fees assessed to my account. I did not notice this error until Wednesday ( XX/XX/22 ). I called and spoke to several members of the staff at the same local branch. One of whom, XXXX, was adamant that no accommodations or assistance would be offered to me nor would my line of credit activations be reversed. I then asked to speak to a supervisor and received the branch manager, XXXX. The branch manager was a bit more helpful in reversing the overdraft fees. She told me that the line of credits would be reversed as well as the check amount ( {$1100.00} ) be credited back to my account most likely by the next day. 

As of XXXX. local time no check refund / credit has been issued to the account ( not even pending ) and the line of credit transfers are still present in my account ( s ). 

I was forced to make a minimum payment to one of my creditors, XXXX, yesterday in the amount of {$29.00} because I did not have access to my fully entitled funds ( {$1100.00} ) that I would be normally paying my bills with. As a result, I am accruing interest on unpaid balance ( s ) as of today for that. In additon, the refunded overdraft fees totalling {$25.00} are less than the minimum payment ( {$29.00} ) that I made. As a result, I expect more overdraft fees and further activation of my line of credit which is unnecessary, since I should just get the double-drawn check amount ( {$1100.00} ) credited and/or deposited back in to my account. 

I attempted today ( XX/XX/22 ) to speak directly with XXXX again but after 20 minutes on hold decided I may try their corporate customer service. After 10 minutes of completely wasting my time and no help from corporate customer service, I attempted to contact XXXX at the local branch again. This time I reached XXXX ( again, the most unhelpful member of their banking services team with my issues ) and requested a call back from XXXX, which I have yet to receive.

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 2020-04-03
Company: ENCORE CAPITAL GROUP INC.
State: MA
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 XXXX XXXX have made a few mistakes over the past several years, whereas I could not maintain continuous employment and thus went into default on several debts. Therefore, I desire to make amends to several creditors if indeed a debt is still legally owed. I desire to settle all accounts that are within legal limits to be collected against a citizen of the Commonwealth of Massachusetts. If any of these past obligations are no longer enforceable, then I respectfully request a release of obligations. I report this request through the Consumer Financial Protection Bureau as I believe my rights to privacy will be protected through this agency as it has oversight of the Fair Credit Reporting Act. 
Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: Selip & Stylianou, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I take no responsibility for this debt! It is unknown to me. 
This company has been sending correspondence to me from at least XXXX threatening wage garnishment for a debt ( again that I did not incur ) that according to their paperwork dates back to XXXX! That is past the statute of limitations if read the law correctly. I have a fine relationship with the bank they are claiming to represent and there is no evidence of this account on my credit reports. 
Each time they send me a letter I reply back not just to them but to the county clerk via certified mail which is costing me my hard earned money. 
I received letters from Selip & Stylianou in XXXX XXXX, XX/XX/XXXX and most recently XX/XX/XXXX in the amounts of {$6700.00}, {$7000.00}, and {$6900.00} respectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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 sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2020-04-03
Company: Nelnet, Inc.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Current lender bought private student loans that were included in my bankruptcy which was discharged and closed XX/XX/16. My current loan balance ( Nelnet ) still includes the loans that were discharged ( XXXX  ) including interest and fees. So my current student loan balance is incorrect because it reflect loans that were private discharged through bankruptcy. Not all loans were discharged just a few but the ones that were never removed from total balance when sold to Nelnet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I initially contacted American Express to verify my application status. I was told that my XXXX  XXXX  that is registered with the XXXX  XXXX XXXX  XXXX did not exist. That is a blatant lie. Then I called back and was told that the XXXX XXXX XXXX  XXXX website was not working and that they had an outage. I contacted the XXXX  XXXX XXXX  XXXX XXXX and confirmed that their website had no outage and was functioning properly. American Express lied to me multiple times but what is most disturbing and fraudulent, they lied using false information directly associated with the Great State of XXXX. What else are they lying about?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
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: Information belongs to someone else

Complaint:
I noticed fraudulent activities on my credit report that I did not consent nor authorize! I am highly upset to know that I I've been scammed!

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 2021-05-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Capital One was paid off on XX/XX/XXXX. They sent me an email congratulating me on payment in full then reversed the payment back to XXXX XXXX XXXXXXXX buyers account. Capital one refuses to fix the issue and says I owe them more money now even though they waited until after an extra payment was due to accept pay off. They refuse to allow me to payoff my vehicle.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-21
Company: SLM CORPORATION
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
My daughter took out XXXX student loans and used my name and identity to co-sign without my knowledge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: EQUIFAX, INC.
State: AR
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:
On XX/XX/2020 I mailed out a letter to Equifax Consumer Reporting Agency in regards to several accounts that never belonged to me that I noticed on my credit report. It has not been over 60 days I haven't received any correspondence from Equifax since my initial dispute. My dispute included accounts XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX. My identity theft report # XXXX was clearly documented outlining specific details regarding my dispute. Since the mail was not returned to me I can only assume Equifax has failed to abide by the Fair Credit Reporting Act by not responding within 30 Days of my initial dispute. Instead of responding to this complaint by saying they will initiate a dispute, Equifax must comply by removing the accounts in question that are mentioned above from my credit report. This is the law and there should not be any exceptions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: NV
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:
The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

Please have these inquiries removed from my credit file immediately because it is making it very difficult for me to acquire credit. 



XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022

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 2020-04-03
Company: Bread Financial Holdings, Inc.
State: MD
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: Card was charged for something you did not purchase with the card

Complaint:
Via Secure Messaging, contacted Comenity on XX/XX/2020. No response received to date. 

How do I go about disputing 3 transactions? 

The first is from my XXXX statement. It was an online retail merchandise purchase. It was billed the day after my order. To date, I have yet to receive the product. I have been told it is due to high demand. But I can not get a straight answer from the Retailer. I have emailed the Merchant several times in the past 60 days. 

XX/XX/2020 XXXX XXXX XXXX XXXX  Charge {$100.00} The second and third transactions are from my XXXX statement. I cancelled the subscription to a XXXX Weight Loss program. Yet, I was billed for another order on XX/XX/2020. And, to date, I have not received the below product since I cancelled. 

XX/XX/2020 XXXX XXXX NY Charge {$89.00} XX/XX/2020 XXXX  XXXX NY Charge {$87.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I hope this letter finds you well. I am writing to express my deep concern and frustration with the unresolved issues related to fraudulent items on my account. Despite multiple attempts to rectify the situation, these fraudulent entries persist, causing significant distress and financial hardship. 

I would like to outline the unsuccessful attempts I have made to address and remove the fraudulent items from my account : Despite my persistent efforts, the fraudulent items remain on my account, adversely impacting my financial standing and creditworthiness. This situation not only jeopardizes my trust in your company but also raises concerns about the effectiveness of your fraud prevention and resolution procedures. 

I understand the seriousness of dealing with fraudulent activities, and I expected a swift and thorough response to protect my interests as a valued customer. However, the lack of resolution has left me deeply dissatisfied and compelled to escalate this matter further. 

I urge you to conduct a thorough investigation into this matter and take immediate action to remove the fraudulent items from my account. Additionally, I request a detailed explanation of the steps your company is taking to prevent similar incidents in the future. 

If this matter is not addressed satisfactorily within the specified timeframe from the date of this letter, I XXXX have no choice but to explore alternative avenues, including reporting the issue to relevant regulatory authorities and seeking legal counsel. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX {$580.00} XXXX XXXX ( Original XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX {$1500.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$860.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$860.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$5700.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2020-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I noticed fraudulent activities on my credit report that I did not consent nor authorize! I am highly upset to know that I I've been scammed!

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 2023-04-21
Company: Experian Information Solutions Inc.
State: CO
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:
PLEASE REFER TO THE ATTACHED DOCUMENTS PLEASE Dear Experian, XXXX, and XXXX The following damages will be taken to civil court on XX/XX/2023 in XXXX XXXX if, monetary relief isn't given for the following damages : {$5000.00} in monetary relief under 15 U.S.C 1692k. 

1 ) Defamation of Character 2 ) Negligent Infliction of Emotional Distress 3 ) Violation 15 U.S.C. 1681 section 602 A States I have a right to privacy. 
4 ) Violation 15 U.S.C. 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1692k states that I'm entitled to {$1000.00} per violation. 
5 ) violation of 15 U.S.C. 1681n Civil liability for willful noncompliance because once again a police report isnt needed in the process for identity theft block and removal. 
According to 15 U.S.C. 16811c 2 - Block of information resulting from identity theft a police report isnt required and isnt needed at all. I also do not know the name of the person or how this identity theft occurred sadly, and this is also not a requirement to submit with the following documentation. 

Experian, XXXX, and XXXX are now in violation of 15 U.S.C. 1681n Civil liability for willful noncompliance. Once again, a police report isnt needed in the identity theft block and removal process. 
INVALID INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-07-24
Company: PNC Bank N.A.
State: KY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I would appreciate your help with PNC. 

On XX/XX/XXXX, i asked PNC to put a hold on my loan payment and they agreed to do so for two months. I had to put a stop to all the payments. Since the pandemic there is no way to enter the building and do so. In that regard i reached.out to the PNC XXXX XXXX and i was in contact with XXXX XXXX, Miss XXXX put a hold of the payments and transfers, She mentioned that when i want to go back to the same process for paying the loan and transfer then i should call her back and reverse the process. I contacted via email Miss XXXX in XXXX and asked her to set everything back to normal due to the payment coming out in XXXX. I was very specific and i mentioned what accounts and she verified. I noticed XXXX i did not see any transfer from one account to another to make the payment for the Loan for the land. I contacted Miss XXXX via email and she mentioned that i am incorrect the payment is coming out in XXXX. I replied imminently and sent her a scan of my loan payment schedule the bank had sent me and expressed my concern. Miss XXXX not only ignored my emails she also ignored my phone calls. Due to that fact of knowing that she made an error i frantically transferred funds and as you know the payment coming out the i did not make the dead line and there was not enough funds, and my account borrowed from the line of credit. 
When i reached out to Miss XXXX again the next day she ignored my emails and my phone call she replied at the end of the day and very annoyed and rudely expressed that it was my mistake and not hers. 
I reached out to the branch manger and i expressed being a customer for 17 years thus having a loan for {$720000.00} which is paid off in the next two years. I am disappointed to that i was treated so rudely, causing my loan payment to take from my line of credit due to XXXX mistake, in which she is not acknowledge and willing to fix. I expressed if the bank is not willing to acknowledge and fix the mistake i would be happy to take my business banking to another bank. I also have that email the Bank manger XXXX XXXX expressed that would his pleasure and to help me move banks. 
I would like to express this is not the first time i have had an issue with Miss XXXX, another time i opened a bank account only in my name. She called my ex husband and told him that my checks are available to be picked up. I expressed very highly for there is no one else on my account and do not send the checks to my place of business. I would like a third party to step in and help with this issue and solve the mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
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:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Date Opened : XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Date Opened : XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}

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 explanation
Consumer complaint received 2020-04-03
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
After reviewing my credit report I noticed false and fraudulent information reported on my credit history. I am honestly disappointed and tired of scammers stealing identity and using it as there own! Only to hurt working class individuals like myself, livid!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: Franklin Collection Service, Inc.
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Franklin Collection contacted us by phone about a debt we supposedly owe to XXXX XXXX XXXX in XXXX  XXXX. The amount, they said, was {$1200.00}. However, we paid the bill to XXXX XXXX XXXX in FULL XX/XX/2019. Upon receiving the call from Franklin Collection, we contacted XXXX XXXX XXXX to tell them we paid and we have poof of payment. However, XXXX XXXX XXXX confirmed we paid and that there is no account for debt. We informed me that we have been contacted by Franklin, they said not only they have never referred our account to collection, but that they do not work with Franklin Collection. They work with XXXX XXXX XXXX XXXX XXXX When we informed Franklin, they threatened to ruin our credit history. Please verify this information with XXXX XXXX XXXX that we only used once in our life time. XXXX XXXX XXXX XXXX. We will also be happy to provide proof of payment. 

We demand that Franklin Collection cease and desist. Thank you.

Company response to consumer: Closed with explanation