BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-28
Company: PNC Bank N.A.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with fraud alerts or security freezes

Complaint:
Dear Sir/Madam, This is to inform you of a matter which I experienced with PNC in XXXX Al in XXXX. They have reported me to you which I believe there was no wrong doing on my part. On XX/XX/2022, I went to PNC located in XXXX, Al to deposit a check. I proceeded to go to deposit a check I received from working at XXXX XXXX in XXXX Al. I proceeded to go to the counter and he informed me that he needed my driver 's license before I can deposit the check into my account. I asked him if he remembered me because I came the previous day to open the account, and just because I asked him if he remebered he got vey angry and he said he didn't remembered me. He was person who helped me previously to open the account. 
I also asked him if I have to present my driver 's license every time I have to deposit a check and he said he said yes. I gave him by driver 's license and he deposited my check and I left PNC Bank in XXXX AL. ( Shortly after this ) The Next day I received by XXXX from PNC Bank Corportate Office in XXXX PA stating that I acted inapproriately and was disrespectful to the teller and I'm no longer welcome back into PNC Bank in XXXX, Al. they went ahead and closed the account and reported me to XXXX XXXX XXXX  and demanded me to withdraw all my funds immediately from PNC Bank in XXXX, AL which I did. 
I went to several banks to open a checking account and the banks declined my request. PNC reported this incident to XXXX XXXX XXXX. I would like the bad report to erase from my name so I can go to other banks and open my checking account. 
Thank You! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: CREDIT ACCEPTANCE CORPORATION
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I am a victim of predatory lending through Credit Acceptance Corporation I was talked into signing for a loan that could not be afforded with high interest rates

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 2023-06-12
Company: JPMORGAN CHASE & CO.
State: IL
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:
A man called me and said he worked at Chase Bank. He said someone named XXXX XXXX from XXXX XXXX, XXXX was trying to take XXXX out of my checking account and did I approve that. I said no I didnt approve that. He asked me if I wanted him to help me get my money back. I said yes. He had me go on this wire application for chase bank and I thought he was wiring me my money back but instead he scammed me out of XXXX. He called me from chase bank phone number so I thought it was a legitimate call. Chase bank denied my claim to give me back my money because they said I initiated the transfer. I dont understand why they think I initiated the call when the guy called me from the banks phone number. He already had my debit card information. He even told me to get rid of the card because they were turning that card off and sending me a new card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Recently, I did an investigation on my credit report which caused severe depression upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2021-11-23
Company: Square Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Cashapp refuses to find my money transfer that was sent back to them on XX/XX/XXXX. 

XXXX has stated that on XX/XX/XXXX they processed {$2500.00} from my bank. My bank has called XXXX and my House of Representative have called XXXX as well. 

XXXX has stated that " CashApps needs to contact XXXX to process my funds back to my account. '' Cashapp keeps telling me that my bank needs to call XXXX. 

Cashapp has refused in my XXXX other fillings to contact XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: EQUIFAX, INC.
State: CA
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:
My info was stolen at XXXX airport, wallet was recovered multiple days later from the airport security with information in my wallet in a different order than per usual. Over the years clearly it's been misused and I'm seeing this while trying to buy a home. Additional Accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with too many inquires from over XXXX companies to fit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: Resurgent Capital Services L.P.
State: NJ
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:
On XX/XX/2023 I received a letter stating I owed a debt that I do not recall. The Debt amount of XXXX. The company name is Resurgent Capital Services. I keep receiving letters in the mail stating I owe a debt that is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: WSFS FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was in Forbearance with my lender My Mortgage was sold in to another lender they didnt continue with my forbearance agreement and decided I had to pay all the payments in forbearance And places me in Foreclosure. 
I hired a company to defend me and the mortgage company sent me a re financial proposal at 5.5 % 25 years would with many predatory clauses. 
Im including the document I would like to refinance my mortgage with with reasonable terms. 
Thank you for helping me in this situation

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 2021-11-23
Company: Nelnet, 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: Account information incorrect

Complaint:
Nelnet NEVER reports payments I've made to any credit bureau and they refuse to update the principal balance which has been decreasing with my payments that I'm making. All XXXX credit bureaus refuse to help. Enough is enough. I will get a lawyer if the CFPB doesn't so their job and Nelnet continues to XXXX over borrowers and not report properly under XXXX XXXX. They also have NEVER provided me any kind of statement there is only XXXX in my account they have no other statements except for XXXX month I have contacted the XXXX XXXX I have contacted the XXXX XXXX XXXX I have contacted you here I have contacted the XXXX XXXX XXXX and I can not get any of my statements. I never know how much interest they are charging me how it is being applied my payments and how they are being applied I show nothing I get no statements. This is not legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I already filed a complaint with XXXX to receive my money but capital one responded and said my dispute cases had to be resolved before I could receive my money so its been ab a month Ive check every dispute on the list in the letter, theyve taken all the money they investigated, today the last dispute money was taken out, its been XXXX months since XXXX since account was closed XXXX dollars, I have family to feed Ive already waited patiently for capital one to take there time with each individual case now they got all their money, now I just need for my account to be closed effective immediately not next year this week not next month this month not XXXX weeks from now immediately, Ive waited long enough thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-29
Company: WELLS FARGO & COMPANY
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I have spoken with Wells Fargo on a regular basis on the late payment to my auto loan I had a payment arrangement in place to pay XXXX on the XXXX of XXXX as this was my payday today they repossessed my vehicle I received nothing by mail or phone stating that repossession was happening NOTHING from them other than my agreement of payment arrangement I have called them twice today and nobody there has any record of my payment arrangement or correspondence by phone with them I have received no emails or mail regarding any issues with the situation I have been in. They have never reached out to me regarding the repossession of my vehicle

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 2023-04-07
Company: FREEDOM FINANCIAL NETWORK
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
In XX/XX/XXXX, I was consumed by debt and solicited Freedom debt relief for assistance. I spoke to an individual named XXXX who assured me that Freedom Debt Relief would contact assist me in paying off my dept through their program. I was told to discontinue payments to my creditors and Freedom Dept Relief would contact all of them and set up settlements. Furthermore, I was assured that there were no charges for this service with the exception of a small monthly fee for maintaining my dedicated account. I was also told that the money in this account would be controlled by me in that I could approve or decline a settlement. This endeavor began by masking unrealistic goals surrounded by lies and deception which included the individual telling me Freedom Dept Relief was a consumer advocate. {$4300.00} later, I am more in dept and my credit has dropped more than 100 points because I put my trust in this company. I am a XXXX XXXX with more than 26 years of federal service and I am XXXX that such a company exists that tries to steal money from those in need of assistance. This company is an extreme embarrassment to those who actually attempt to settle debts for those in need. I would like to add that XXXX XXXXXXXX have a purpose to recover money lost to lenders, but this company strives to steal money from those who have financial difficulties. Fast forward to XXXX XXXX, XXXX. I was expecting a full refund because this business at the end created more problems, and instead they not only refused to refund me the {$4300.00} I put into the program, but the remaining {$680.00} was also stolen. This company is deceptive and currently has adds on XXXX telling potential customers that their dept will be paid for free. Something has to be done please.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-02
Company: National Credit Systems,Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I first contacted National credit system XX/XX/17 when I was notified of the collection placed on my report from XXXX. I do not owe the balance of {$2300.00} that has been stated I owe I have spoken with the corporate office of Villages of Hikes point they confirmed that I do not have an account nor do I owe an balance. I have disputed this debt several times with no resolution between the furnisher or the credit bureaus there was no notice given letter mailed or contact the company just slammed the debt on my credit report. once i began to dispute i started receiving harassing calls and threats to damage my credit report without a proper conversation for me to deny I owed the debt I have also spent numerous amount of money on repair companies to have this removed nothing resolved i always pay my debts but I will not pay an account that I do not owe. however this has brought many damages to my credit rating

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I called AmEx on XX/XX/ to request credit for interest charges I incurred unintentionally. XXXX told me that the companys policy was to credit back only one interest charge in a 12 month period. Without further consulting me, XXXX proceeded to tell me my account would be credited {$46.00}. This was deceptive and unfair for at least 2 reasons.

First, AmEx broke down and stacked interest charges, even within a single month, so that its one time only policy actually doesnt even cover a full months interest charge. So, even though I was calling to request credit for {$160.00} in interest, I will apparently only be getting a little more than 25 % of that amount back. Indeed, on my most recent statement ( covering XX/XX/XXXX to XX/XX/XXXX ), the total interest charges ( there are no penalties ) are {$98.00}, but AmEx broke that amount into two charges, both debited on the same day ( XX/XX/ ), and then promised only to credit me an amount equal to one of those charges ( {$46.00} ). When I asked why AmEx had broken interest charges up within a single day, XXXX could not provide an explanation, nor does one appear on my credit card statement. By breaking up and stacking interest charges, AmEx avoids having to actually honor in full its supposed policy of crediting its customer for a single interest charge. Instead, its actual ( but inaccurately described ) policy is to credit only a portion of a single interest charge. I think AmEx should acknowledge that its policy is deceptive and unfair and credit me the full {$160.00} in interest. 

Second, AmEx implements its deceptive policy so as to minimize its refund to its customer and maximize the charges its customer pays. As noted above, by breaking apart and stacking interest charges, AmEx avoids having actually to honor its announced refund policy. It goes even further by selecting the lowest interest charge to refund, rather than selecting the greatest charge or allowing its customer to choose. Thus, on my call with XXXX, AmEx unilaterally chose to credit the lesser of the two interest charges it stacked and debited on XX/XX/23. That is, rather than crediting me the larger interest charge debited on that date ( {$51.00} ), AmEx unilaterally debited the smaller interest charge it broke out and debited on that date ( {$46.00} ). When I asked XXXX to debit the highest interest charge amount ( {$53.00}, debited on XX/XX/23 ), he refused, saying the system would not allow him to do that. AmEx is implementing its policy dishonestly and in a manner designed to take advantage of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 writing to inform you that I've been a victim of identity theft and attached is my identity theft report. I even contacted all the original creditors department and they cant even find my social security number in there System. I demand these accounts be blocked and delete in 15 days or I will contact my attorney General office and file a suit against you.. I have contacted my local police authority to assist me with finding who is behind this. This is a real nightmare, I have been dealing with debt collectors harassing me about accounts I have no knowledge of nor consent opening. Im tired of Transunion sending me automated letters verifying these fraudulent account. I even have a repo on my credit report, which never happen to me. I have contacted Transunion and even the debt collectors to get this issue resolved several times and all they send is a automated answer saying they verified it, yet the furnishes don't even have my social security number and there database. I know my rights are being violated. Im a XXXX percent permanent and total XXXX vet who is crying out for help.

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 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I made an electronic payment of {$9000.00} to Chase from my XXXX bank account on XXXX. According to XXXX it was delivered to Chase on XXXX and the payment was " posted '' on XXXX. It's now XX/XX/11 and Chase is not reflecting the payment. THIS IS A REPEAT PROBLEM WHERE CHASE NEVER POSTS PAYMENTS PROMPTLY! In some situations, like this instance, by delaying the posting of my payment, the ILLEGALLY manufacture fee and interested income to themselves. The customer service department of Chase was unable to solve this. Chase should be held-accountable by the CFPB for this disgraceful and unlawful practice -- and I suggest more than a tiny slap on their financial wrist. Disclose this practice and their penalty publicly, and make the penalty big enough they stop doing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
In my previous complaint, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX VIA XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX  CT XXXX XXXX, CA XXXX XXXX, CA XX/XX/XXXX XXXX XXXX XXXX  XXXX Balance : {$8400.00} XXXX XXXX ( Original Creditor : XXXX  XXXX  ) XXXX Balance : {$1000.00} XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$13000.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/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 2023-03-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Reached out to all creditors about the accounts for over a year have not gotten any resloution ask creditors to send the orignal contract and provide verfication for the last year I still have not gotten any information from the creditors aslo filed disputes with all three credit companies such as XXXXXXXX XXXX XXXX. All creditors are reporting in accrate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Experian Information Solutions Inc.
State: CA
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 want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$1800.00} and XXXX XXXX XXXX Opened : XX/XX/2017 Balance : {$0.00}. Please delete the late payments and update my credit file ASAP.

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