BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-19
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On Friday XX/XX/XXXX I went to the Suntrust XXXX XXXX Branch ATM on XXXX XXXX XXXX, XXXX XXXX Florida to make a withdrawal of $ XXXX from my XXXX XXXX XXXX XXXX. The time was XXXX. There was no sign or any message that the machine was out of service. 
The machine took all my info including a {$3.00} fee and then informed me that it was " unable to process '' my request. I went into the branch and was informed they were aware the machine was OOS and were awaiting a technician to make repairs. I requested a sign be posted but was told the technician was on the way. An hour later on my 4th trip to Suntrust there was still no info to let the customer know the machine was out of service. Had there been a notice none of this would have happened. 
I then went to another branch and the ATM there informed me I had 'insufficient ' funds to complete the transaction. I then returned home and checked on line my XXXX   account and was surprised that, with the conversion, XXXX  had debited C {$960.00} from my account. I then returned to the XXXX XXXX branch and talked to the assistant mgr who informed me the problem was with my XXXX XXXX  and not the fault of Suntrust, and that I should contact my XXXX XXXX  and lodge a complaint. 
I didn't believe her, and returned home, called the XXXX XXXX in XXXX, and even though they or myself didn't believe that XXXX was responsible, set up a fraud complaint file and advised me to return to Suntrust and re talk with them. On my fourth trip to Suntrust the asst. mgr still insisted the problem was with my XXXX XXXX and not Suntrust. I explained that Suntrust ATM didn't dispense my {$700.00} because it was 'unable to process ' but electronically informed XXXX that it did and XXXX   sent Suntrust {$700.00} from my XXXX checking account. This totals $ XXXX that Suntrust now had. This has caused me to miss my first mortgage payment in eight years. 
I talked to Mgr XXXX four times, but was told today Suntrust is set up for the defrauded customer to have to do the fighting with the bank from where the funds were taken from ; NOT Suntrust ATM that failed to dispense the funds as Suntrust does not service their machines. 
That means Suntrust takes no responsibility for their errors and places the onus on the consumer/customer to suffer. 
With four employees inside who knew the ATM was OOS, why did not one of them  place a sign on the ATM? Would it have been too much of an effort to do so? 
I can only guess it would have been even though I requested a notice be placed on the machine. Over an hour later there was still no notice on the ATM. With the popularity of that branch, I can only imagine how many customers have been inconvenienced and have lost money by the lack of management responsibility and Suntrust policy.

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 2018-10-28
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XXXX XXXX XXXX reported me 30 days late on my auto loan in XXXX. I called in on XX/XX/18 & the representative confirmed I was only 21 days late. I requested to have the information corrected and was told that I would have to send a letter to dispute the inaccuracies. 
I have now sent in 3 letters with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: EQUIFAX, 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:
According to the FCRA, 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 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 the Verifiable Proof ( an original consumer contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Furthermore, I have sent proof to several months back containing an identity theft affidavit as all the items being disputed are a result of identity theft. I demand that the following accounts be verified or removed immediately : All the items below are a result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NATIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX please remove all non-account holding inquiries over 30 days, and add a promotional suppression to my credit file to prevent further identity theft. Inquiries as a result of identity theft : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
I have submitted numerous disputes to XXXX  since XX/XX/2018 and 3 method of verification requests. 
To date I have not received any information they have complied. 
Keep sending investigation results : Dispute file # XXXX Verified as accurate : The disputed item was verified as accurate, Dispute file # XXXX disputed info updated and other info updated, Dispute file # XXXX verified as accurate and updated. 
I have asked them to comply with my method of validation requests and/or send me a copy of something factual XXXX XXXX has sent them to base their reporting on or delete this derogatory information XXXX XXXX is submitting to them. 
I have sent countless requests to XXXX XXXX for debt validation and they have continued to report since XX/XX/2018 negative un-validated monthly updates to all 3 credit bureaus. XXXX  and Experian state they are still investigating. XXXX needs to be driven completely out of business.

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 2020-04-28
Company: Westlake Services, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was contacted on XX/XX/XXXX in regard to my account not being up to date. I was told my XXXX payment did not go through, but I had proof and explained it did go through. Westlake Financial told me to send my statement for XXXX to XXXX XXXX XXXX. No one has responded back to me yet. I called back on XX/XX/XXXX and spoke to XXXX. She had told me the months in question are XXXX, XXXX and XXXX of XXXX. She had told me those payments were retracted by me or my bank. I did not retract those payments and I immediately called my bank who told me they did not request any money to be retracted. I then called Westlake Financial back and was told to speak to a supervisor but every time I called there was never a supervisor available. On XX/XX/XXXX XXXX called me saying I was 100 days late and I was being sent to collections. I had explained to him nothing was put back into my bank account and I was told by Westlake that it just happened on XX/XX/XXXX. Again, I called on XX/XX/XXXX and spoke to XXXX who then told me in order to get this resolved to send my statement to a supervisor. After speaking to XXXX and XXXX  it is clear this has been happening since XX/XX/XXXX. Every payment I have been making has been going to the supposed late or no payments. I was never contacted or received any notice by mail or email regarding my account being behind. XXXX transferred me to her supervisor XXXX XXXX who told me to resend my bank statements to prove the money was pulled from my account. On XX/XX/XXXX I spoke to XXXX who told me she was contacting the accounting dept. I did not receive any response back until XX/XX/XXXX from XXXX which she stated they had found my XX/XX/XXXX payment and they were looking for my XXXX and XX/XX/XXXX payments. I am very frustrated and upset at this point because I have proof it was pulled from my account and nothing was put back in. I have been threatened that Westlake will reposes my vehicle. I have been threatened to be sent to collections. My references are being harassed as well. I keep calling to get updates about my status and Westlake keeps giving me the same answer which is I need keep sending them proof of my statements. I called XX/XX/XXXX to speak to XXXX because she has not contacted me since XX/XX/XXXX. I finally spoke to XXXX another supervisor and she spoke to XXXX who had told her the reason for the delay was because my bank statements looked altered. I was never aware of this new information until today when I called Westlake to make a payment. There was no way that I could have altered my bank statement when I printed it directly from my bank. This needs to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: TOYOTA MOTOR CREDIT CORPORATION
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:
Toyota Motor Credit Corporation on multiple occasions has attempted to and did swindle money from me, theh wrongfully report false credit information on the credit Bureaus and has not let me access the online account of my second vehicle. Toyota keeps hanging up the phone and will not respond to the claims and proof we sent them over fax they acknowledged the fax once then changed the story after. They keep sending letters harassing me and my son on the matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-19
Company: AmeriCollect
State: GA
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:
XXXX XXXX  {$96.00}? 
Account was settled with XXXX XXXXXXXX XXXX ... grave errorsfalse claim and reportingI want this account removed immediately or litigation may follow. Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. You can not collect a debt twice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: CITIBANK, N.A.
State: WA
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:
XX/XX/XXXX - {$1800.00} purchase from Vendor XXXX - A custom railing manufacture XX/XX/XXXX through XX/XX/XXXX - Drawings are provided, measurements taken XX/XX/XXXX - Railing arrives it is 12 '' taller than specified in the drawings - 49.5inches tall XX/XX/XXXX - An additional {$1000.00} is paid ( balance remains {$850.00} ) to aid in the repairs. 
XX/XX/XXXX - Railing is taken back to vendor who makes adjustments XX/XX/XXXX - Railing goes to powder coat facility, they refuse to powder because the railing is ruined - all warped due to heat from the welding according to the vendor. Vendor and I have a dialog and the vendor expects me to take a damaged railing that was so bad his own vendor XXXX the powder facility ) contacted me directly about it. Vendor refuses to do anything. 

I have now paid {$2800.00} and received no goods or service. I do not have possession of the railing and Citi will not speak to me regarding the situation. I have called on XX/XX/XXXX, XXXX, XXXX, XXXX some times multiple times on the same day. I wait on hold for 60 minutes and the recording gives me a bunch of XXXX and hangs up on me. They clearly have not read my document, will not speak and stole my money!

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 2019-06-26
Company: Meridian Financial Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Meridian Financial is reporting multiple debts on my credit report, from a time-share in Florida, called XXXX XXXX XXXX XXXX. We did sign some papers with XXXX XXXX years ago, but there is a 10-day right of rescission in Florida, and we rescinded the contract within 10 days of signing. We have never visited that property since, and their attempt to collect this debt is either an error or gross negligence.

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 2021-10-19
Company: FC HoldCo LLC
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
i had a car and it put me down and they wouldnt fixed it and plus the state of Missouri has a lemon law that they didnt abide by so they still had my car and because of covid i couldnt get it fixed and my report shows charge-off and they violated the FCRA laws

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 2020-04-28
Company: Experian Information Solutions Inc.
State: MA
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:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX XXXX XXXX XXXX XXXX {$600.00} US DEPT ED XXXX {$6000.00} XXXX XXXX  XXXX {$330.00} COLLECTION XXXX {$7000.00} COLLECTION XXXX {$510.00} XXXX XXXX {$4500.00} BANKRUPTCY CHAPTER XXXX XXXX {$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 2018-11-19
Company: Synovus Bank
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2018 Balance : {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
It was on XX/XX/XXXX at XXXX XXXX when I lost {$800.00} due to fraud. I had noticed someone selling an XXXX XXXX for {$800.00} on the XXXX XXXX. I asked if it was still available. He then said it was and that the only way to pay him was through XXXX. He asked me that he would meet somewhere after the payment was sent. He then sent me pictures of him leaving his apartment and even recording himself stepping in his vehicle. That assured me that he was a legitimate seller. After the money had been sent, he then sent me screenshots of him accepting the money and even offered to call me. He called me soon afterwards and told me that he was on his way. I waited for him in a College parking lot. Minutes began to pass. I sent him messages if he was going to come. He sent me screenshots that he was minutes away. Then after an hour had passed, I proceeded to call him again but the phone number was unavailable. I then called him with XXXX XXXX  and the last thing he said was " Why did you end the group chat '' before blocking me on XXXX. On XXXX, there are the photos and the video he sent me along with other victims he tried to scam as well. He also sent photos of other XXXX  and XXXX accessories that he was offering to sell as well. I believe those were stolen as well. I tried my best to contact 6+ people and warn them that they are speaking to a scammer. I couldn't find them. After I realized that I was a victim of fraud, I called Bank of America and told them what had happened. They created a claim and gave me a claim number. The female representative assured me that this would be resolved within 10 business days. I reported the seller on XXXX as well. Today is XX/XX/XXXX and have received a letter from Bank of America from the Dispute Resolution Services. They stated " Our records indicate that we initiated the transfer in accordance with your instructions. As a result, your account will not be credited for this claim. '' I feel as if they didn't conduct a thorough investigation and proceeded to not take this claim seriously. I have the seller 's number, name, screenshots/photos, video, and chat log still with me. I believe Bank of America should consider their customers a priority rather than simply giving them the bad news.

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 2022-10-09
Company: DISCOVER BANK
State: TX
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:
Information never changes on none of the accounts disputed and comes back as verified when there are clearly errors on account status, late or missed payments not being updated to none and collection accounts not being verified for removal instead being reported as charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2018, XXXX XXXX XXXX  ran a hard inquiry on my credit. The creation of my new joint checking account with the Bank was completed on XX/XX/2018. However, as I was signing up for the joint checking account there was no note that a hard inquiry would be ran in order to approve the creation of the account. This unauthorized inquiry into my credit has lowered my credit score. Additionally, I have attempted to fund my account and have started auto-deposits from one bank to XXXX XXXX, and have yet to see it be reflected in my account. To date I have funded the account with {$500.00} that appears as deducted from my origin bank account but does not appear in my XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19
Company: SYNCHRONY FINANCIAL
State: ME
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, XXXX XXXX made an agreement with me to take off a debt if I paid it in. 

On XX/XX/XXXX, I paid the debt. 

After checking my Credit Report, they neither notified XXXX/ XXXX XXXX of the debt being paid off, nor took it off my Credit report. 

When I called XXXX XXXX, they told me it was not their responsibility to tell the Credit Agencies, nor XXXX XXXX that I paid the debt, But it is still there. 

I am including both my letter and proof of payment. 

Account name XXXX/XXXX Account number XXXX .... 
Recent balance {$0.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Closed. {$1200.00} written off. 
XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Address identification number XXXX Sold to XXXX XXXX Type Charge Card Terms NA Credit limit or original amount {$800.00} High balance {$1200.00} Monthly payment {$0.00} Recent payment amount {$100.00} Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Comment Purchased by another lender. 
Reinvestigation information This item remained unchanged from our processing of your dispute in 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 explanation
Consumer complaint received 2021-10-19
Company: PNC Bank N.A.
State: FL
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:
I make a lot of online purchases. Every time I have used my PNC card for an online purchase it gets declined. I then have to call into PNC 's fraud department as I only get a text message to verify the transaction evert 4-5 declines. PNC has to " Hard reset '' the card each time, and even then while they are on the phone the card still declines half the time. There wait time is extremely long right now because of there merger. I escalated to a manager today and the managers response is " nothing we can do to prevent it, its a known issue for over 2+ years ''. How on earth can you have problems with a system that directly impacts clients for over 2+ years and not fix it???

Company response to consumer: Closed with explanation