BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-22
Company: HUNTINGTON NATIONAL BANK, THE
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023 I attempted to deposit {$1400.00} in my account through the ATM @ Huntington Bank on XXXX in XXXX WV XXXX During this transaction the machine went haywire locking my card and part of my money in it. I received {$690.00} back from it however it kept the rest of the money which was {$770.00}. I stayed at the ATM machine and contacted customer service as it said to do so on the screen. While on the phone with them it released my card however I never received the remainder of my money. I went to the branch the next morning to be sure there had been a dispute filed and the lady working filed a dispute also and told me that yes when they counted the atm that morning there was indeed an overage. After several weeks and several calls and trips to the bank this issue still has not been solved and I keep receiving the run around. They have cost me additional money due to my vehicle payment being late because I still have not received this deposit in my account. Please Help!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-06
Company: First Data Corporation
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I woke up and checked my account and found that about 2 hours earlier when I was sleeping a charge of {$100.00} was made at XXXX, i disputed charge and XXXX denied claim with no reason, and I did provide signed doc stating I never made this charge and my card was in my possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: Southwest Business Corporation
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The loan officer XXXX with SWBC misrepresented the product with her company by claiming to have a three in one close with an VA approval. I discovered that SWBC do not offer an construction when XXXX claimed she would have to speak with another bank. 
She mislead me to believe she was the one that would process the loan and do the lot, construction and permanent loan all in one. She falsely stated that the VA loan offered only 5 % and that I would only have one close. All this turn out to be false and again SWBC do not offer construction loans. 
She violated my trust and presented false statement about the loan process and when confronted about what she did, she attempted to avoid the conversation. I presented this information to XXXX XXXX who ignored my concerns and refused to address what she stated and did. They acted in a malicious manner and refused to be truthful about what she stated but the realtor that referred her to me was on the phone when she claimed what she could do and the type of loan she would provide.

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 2023-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX  XXXX Account name : XXXX XXXX XXXX # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-08-22
Company: Eastpoint Recovery Group, Inc
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
The debt collector called me several times within the last month or so, the pass two days I answered each call and told him I was at work and will call him as soon as I have a minute. I also provided him with an email address as well. He then proceeded to call my husband who I am currently separated from and explained my debt situation to him in detail. Causing me an enormous amount of stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I currently have a few Fruad accounts and inquiries listed on my credit report. 

Accounts 1. XXXX XXXX XXXX XXXX XX/XX/XXXX {$4500.00} 2. XXXX XXXX XXXX XXXXXX/XX/XXXX {$590.00} 3. XXXX XXXX XX/XX/XXXX {$200.00} 4. XXXX XXXXXX/XX/XXXX {$330.00} Inquiries 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXXXX/XX/XXXX 5. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
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: Account status incorrect

Complaint:
I have disputed the late payments on this XXXX XXXX XXXX for months. XXXX and XXXX   have reversed them but Transunion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2021-05-04
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I filed several complaints against American Express for a business credit card that they tried for years to pass as a personal credit card. I received in the mail today, XX/XX/2021 the attached letter from American Express that appears to confuse the reasons for the original complaint where American Express letter implies that I claim a third party committed fraud against me when i never made such allegations in any of my complaints. 

what I have alleged is that American Express collection employees are the ones who have committed fraud by passing a business credit card account as if it was a personal credit card account because they could not recover the payment against the business after the business closed down. 

it is the dishonesty and unlawful conduct of the American Express employees that need to be addressed and should be questioned and fired for knowingly committing fraud by claiming a business credit card issued under a business name and tax ID number made the leap to somehow be a personal credit card. 

i have attached proof that this account is a business account issued to a corporation using an account statement from American Express that shows the account owner was a business and the card was a business XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22
Company: Experian Information Solutions Inc.
State: MS
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:
Experian has being not honoring my fraud request. This company refuses to remove the accounts I have submitted a police report, ftc report and affidavit. They give me the same response saying they refuse to block the information. I have already provided relevant information, due to theft and its been an ongoing dispute process.

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 2020-06-04
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am writing this letter on behalf of my wife who has XXXX and can no longer deal with this company. She has XXXX  through the roof, loss of sleep and numerous other health issues trying to resolve this matter. Last year ( XX/XX/2019 ) she received a notice from the current servicer ( XXXX ) that servicing rights were going to be switched to LoanCare LLC. Effective date would be XX/XX/2019. She had already made her XX/XX/2019 ( actual paid date XX/XX/2019 ) payment to XXXX. So starting XX/XX/2019 ( actual paid date XX/XX/2019 ) she send her payment to LoanCare LLC as directed by the letter she received from XXXX. LoanCare LLC has to this day insisted that they have not received it. They have been sending her late notices for the past year and most recently they are now telling her that shi is now 2 payments late. We have called them every month since last XXXX explaining and sending them documentation from her bank account showing the payments were send and who they were sent to. We have spoken with countless customer representatives and supervisors with whom none of them have been able to locate her missing payment. We have also done a 3 way call with her XXXX  XXXX XXXX representative and LoanCare LLC and they still cant find our payment. We've even had them hang up on us as we have been kind of rude as they have accused us of lying to them. We are at our wits end with trying to prove something that should not be our problem. We did not ask for my mortgage servicer to be changed and it's not her fault that they misplaced her payment. As a side note, I looked on the internet for reviews of LoanCare LLC and needless to say their customer service is terrible. I hate to see what her credit report looks like since all this started. This is not right. These servicing companies should not be able to ruin someone's credit just because they have poor accounting programs that can't locate extra money that has been sitting in their account for the past year. I simply do not understand and do not know where to turn for help. Until we learned about you. Please 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 2021-04-05
Company: EQUIFAX, INC.
State: NY
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 I submitted a 609 letter to Equifax asking them to respond to my letter and provide information on the accounts that are on my report inaccurate and incorrect. My credit report by the law is supposed to be 100 % accurate and verifiable and it is not.

They have failed to answer me within the 30-day window.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: PNC Bank N.A.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
I have sent multipy copies to them of there paperwork. Sent by XXXX. I have recieved multipule lied as to what was wrong with this form and, I am tired of the run around do I need to contact the banking regulations board. Legaly they had 90 days to have this money in my hand yet 3 going on 4 months after that deadline no money has been disbused. Just runn around after excuse.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 recently checked my credit score and noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : XXXX XXXX  # XXXX, XXXX XXXX  XXXX  # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
State: NY
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:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian regarding their stall tactic and failure to investigate my dispute. I have made several attempts to resolve this matter directly with Experian, but their lack of responsiveness and disregard for my concerns have compelled me to seek assistance from your esteemed organization. 

On XX/XX/2023, I submitted a dispute to Experian regarding the incorrect reporting of my name. According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to conduct a prompt investigation into consumer disputes and provide a timely resolution. However, despite providing all necessary documentation and following the proper procedures, Experian has not taken any meaningful action to address my concerns. 

Since filing the dispute, I have made multiple attempts to contact Experian 's customer service department, but I have experienced prolonged hold times, automated responses, and vague assurances that my case would be resolved soon. These stall tactics have caused unnecessary frustration and delayed the resolution of my dispute, which has had a negative impact on my financial well-being. 

I firmly believe that Experian 's conduct in handling my dispute goes against the spirit of the FCRA and the principles of fair and accurate credit reporting. I am seeking the intervention of the Consumer Financial Protection Bureau to ensure that Experian fulfills its legal obligations and conducts a thorough investigation into my dispute without further delay. 

I kindly request that the Consumer Financial Protection Bureau launch an investigation into this matter, urge Experian to promptly address my dispute, and take appropriate actions to ensure they comply with the FCRA. Additionally, I would appreciate any guidance or assistance you can provide to help me resolve this issue and ensure the accuracy of my credit report. 

Enclosed with this letter, please find copies of all relevant documents, including my initial dispute letter, correspondence with Experian, and any other supporting evidence. 

Thank you for your attention to this matter. I eagerly await a swift resolution and appreciate any assistance you can provide in rectifying this situation. Please do not hesitate to contact me if any further information is required. 

Yours sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: SYNCHRONY FINANCIAL
State: MI
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My name is XXXX XXXX. On XX/XX/2019 i had made a purchase for {$530.00} for a pair of XXXX brand sneakers. The sneakers are the XXXX XXXX ( XXXX ) i had paid {$500.00} plus {$30.00} for shipping, i think the other {$7.00} were service or exchange charge. 

I was told the item would ship from the United States and were 100 % authentic, obviously i made this purchase with my credit card that had a {$0.00} balance since i paid off my card and i knew i would be safe. The transaction happened on XXXX which is a XXXX like site for the XXXX community outside of the USA but they tend to have rare shoes and items at times. 

I had placed the order and eventually i received the item 9 days later on XX/XX/2019. The item came directly from XXXX, i could not make out the return address or any other info as it was in XXXX other than for my name and address. I opened the package to see a pair of used XXXX brand basketball shoes. The shoes are red, white, and blue and were clearly worn. I immediately contacted Walmart Synchrony Bank to file a dispute. Keep in mind, i had called the same day to file the dispute. 

I tried contacting the merchant, no response, nothing. I messaged on the website multiple times a day everyday for weeks. XXXX themselves have a chat service but they could not help me, they said i had to speak to the seller then file a dispute which i did with them but they never refunded my money. I spoke to Walmart Synchrony Bank and they told me not to worry and that i will be taken care of. I have forwarded pictures of what i received and they have sent me many letters demanding information which i have faxed over 10+ times. They have closed and opened the case many times and have not helped or protected me. 

They asked me if i returned the item which many times i have responded to as NO! i did not! because i do not know any information on the seller, no one has given me a name and address, the item came from XXXX. I have ZERO information from the seller or where to send any product SO how can i return something i did NOT order to somewhere or someone i have ZERO information about??? 

I am at a loss at how a company would not help protect me when i have a proven track record, have had this card for 5+ years, always paid my bill without issue yet they will not refund my money for this clear as day scam. They can not even contact the company and credit my account, they owe me money as i have been making payments on this balance and they are screwing up my account. 

Please refund my money for this transaction, i received an item i did NOT order/

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NV
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: Experian Information Solutions Inc.
State: CA
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-11-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I have been trying to get the closed accounts off of my credit report because its causing my credit to stay low and I demand for all of the closed accounts to be off of 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 explanation