BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-29
Company: REGIONS FINANCIAL CORPORATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/2020 I was charged NSF fee even though there was enough money in the bank. On XX/XX/2020 I was again charged NSF fee even though there was enough money in the bank albeit there was a pending charge. On XX/XX/2020 I was again charged NSF fee on that pending item. So was charged twice for the same item. On talking with my bank they said it happened during processing so I would not be able to see where or how I was eligible for the NSF fee. This reeks of dishonesty and is definitely not transparency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-16
Company: PENTAGON FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have spoken to Pen Fed numerous times and filled out paperwork about a charge that was not authorized by me appearing in my account statement for XXXX XXXX in XXXX. Each time I speak with someone, Im told it will be taken care of shortly, but the charge has still not be reversed. The debit card was deactivated almost immediately and a new one issued, but still the money has not been returned to my account. More than 2 months have gone by since it was first reported.

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 2022-11-15
Company: EQUIFAX, INC.
State: GA
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX  XXXX, GA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX, GA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXXXXXX XXXX  XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: Experian Information Solutions Inc.
State: IL
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:
Experian did not delete the inaccurate address from my credit report. On XX/XX/2021, I disputed an inaccurate address on my credit report, they updated the inaccurate address with another inaccurate address.

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 2020-10-29
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
PayPal is claiming that I owe them {$2300.00} for a transaction with someone named XXXX XXXX. They say that Mr. XXXX payed money to them which they deposited in my bank. Mr. XXXX wasn't satisfied with the transaction so they refunded his money and they now want the money that they deposited in my account back. 
The problem is that I didn't have a transaction with Mr. XXXX or anyone else and the money was not deposited in my account. On further investigation it turns out that they deposited it to a Visa debit card that isn't mine. I have suggested that they recover the money from the same debit card they deposited it to but they say they can't. 
It seems clear to me that the account was hacked and the debit card belongs to the scammer. Probably XXXX XXXX, if that is his real name. The deal was supposedly on XXXX XXXX and he had complained and got his refund by the XXXX. That's a little fast for a legitimate transaction. PayPal should be able to figure this out too, but I'm sure they feel that it will be easier to extort the money out of me than to get it back from the scammer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-20
Company: LEXISNEXIS
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I HAVE IDENTIFIED INFORMATION ON MY REPORTS THAT ARE A RESULT IDENTITY THEFT. THESE ITEMS ARE NOT RELATED TO ANY TRANSACTIONS COMPLETED BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-21
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent the letters to this beauty in accuracies on my credit report. It has now been over 60 days and I still have no response. I understand that there is a pandemic and the bureaus have up to 45 days to make and challenge all information reported on my credit report.I have even sent letters informing them of the investigation and still no response. I feel as if I was a victim of the equifax Data breach. I am unable to continue with furthering my success with these negative items on my credit report according to Law 611 if the item is not verified it must be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: VALLEY NATIONAL BANCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2018 I applied for a checking account with XXXX XXXX XXXX   online. On XX/XX/XXXX, the account was opened. I applied to open up an online account, but it wasn't opened for a week. I called on XX/XX/XXXX when I was told I needed to verify my identity with a letter. I faxed over the letter on XX/XX/XXXX and was told my account would be opened as soon as they received the letter. It was verified that the fax was received by Valley. However, on XX/XX/XXXX and XXXX, the bank told me that my account would be opened the next day. Without an online account, you can't see recent transactions or transfer money or anything. On XX/XX/XXXX, it still wasn't opened. I called and they said it was because my signature didn't EXACTLY match the signature on my license. However, it did. I believe that Valley is preventing me from opening my online account so they don't have to credit me the {$150.00} that I would have gotten if my online account was opened within the first month of opening the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: Avant Holding Company, Inc.
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I filed XXXX XXXX bankruptcy XX/XX/XXXX which included Avant as an unsecured creditor. The bankruptcy was discharged in XXXX of XXXX. Avant continues toncintact me by phone and email demanding payment of {$310.00} in violation of my rights under bankruptcy law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
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:
The companies in this complaint are continuing to report fraudulent information on my credit report. I told them my identity was stolen. They still are ignoring me and reporting the fraudulent information on my credit report I sent them multiple letters explaining the issue. They claim they are verifying the information, but how can verify something fraudulent??? Then they said I didn't provide no information on the accounts such as account names and numbers. How? We'll once again im uploading my letters I sent directly to XXXX containing all the information they said I didn't provide, such as account names and numbers. I sent these letters to the companies as well along with my police report and they still to continue to break the law and report fraud on my reports.

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 2020-10-29
Company: General Motors Financial Company, Inc.
State: GA
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:
On XX/XX/XXXX XXXX XXXX XXXX settled a multi-state law suit in regards to lending practices for car loans provided to consumers between the years of XXXX to XXXX. This settlement affected 34 states including Georgia. Part of that agreement provided relief for consumer who received loans during that period and XXXX XXXX XXXX and its associated companies XXXX XXXX and GM Financial agreed to the following conditions : XXXX will pay {$65.00} XXXX to the 34 participating states for restitution for certain subprime consumers who defaulted on loans between XXXX XXXX, XXXX and XXXX XXXX, XXXX, XXXX is required to allow them to keep their car and waive any loan balance, up to a total value of {$45.00} XXXX in loan forgiveness, and XXXX will also pay up to {$2.00} XXXX for the settlement administrator who will administer restitution claims, and pay an additional {$5.00} XXXX to the states. The settlement also includes significant consumer relief by way of loan forgiveness. In all, XXXX has agreed to waive the deficiency balances for certain defaulted consumers, with approximately {$430.00} XXXX in immediate forgiveness of loans still owned by XXXX, and additional deficiency waivers of loans that XXXX no longer owns but is required to attempt to buy back. My home state of Georgia is apart of this settlement and I was notified about the settlement by the Attorney General of my state. I was informed to contact XXXX XXXX XXXX. in regards to the settlement. After contact XXXX, GM Financial, and XXXX XXXX they informed me to that they were not aware of a settlement and if I had a problem it needs to be disputed through the credit bureaus. I filed a dispute with all three bureaus and instead of investigation the issues XXXX and its other companies added additional negative remarks to my accounts which impacted my credit scores which was opposite of what the law suit stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I was contacted by What I believe was GLA collections ( as Id had a call from another number about a week before and the number did identify as their agency. ) the agent I spoke with said hes calling to settle a case. I am aware of the FDCPA laws in place. I asked specifically 3x WHAT COMPANY ARE YOU WITH? The agent repeatedly stated hes calling to handle a matter for a case on my maiden name

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
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: Was not notified of investigation status or results

Complaint:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still many items to be corrected. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 2019-01-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On several occasions I have spoken with Experian and it seems that their fraud alert has begun to hold my credit hostage even from me. I have made several changes with a customer service representative only to not be helped, lied to and then told that I can not access, make changes or even update my own account information on my credit report. They have caused me to lose a financial deal as well as financing of a car even when I'd spoken with someone to make these changes and promised that it was. These people and this credit agency are scumbags.

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 2018-02-28
Company: Early Warning Services, LLC
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
I offered a delivery service using my truck to bring a large amount of chopped wood to a certain location. I was told I'd be paid by the person I spoke to and his friend regarding the amount of work it took. I have used XXXX many times as it's a payment service that ties to XXXX  XXXX XXXX, never had an issue before. I got a new cell phone last night but I back the phone up each night and when I restored the phone contents, all of my accounts appeared fine. I said once I received the money I would do the job. I received two emails to my account at XXXX saying that the funds that I expected were in my account, one for {$1500.00} and one for {$2000.00}. I performed the job. After I was done I checked my XXXX  XXXX XXXX account and the money was not there.The person I was talking to had their phone off. It appears they knew that they could get this job done for free as long as they used XXXX. Now to the gross negligence on XXXX XXXX part. It appears my phone being reset last night enabled XXXX to disconnect from my XXXX  XXXX XXXX account.There was absolutely nothing done to inform me that the money I have gotten emails saying I was in possession of would be forfeited. Once the person paying me for the service noticed that the money did not in fact deposit but was still on XXXX, they were able to cancel that payment. No where did I recieve any warning that my account was no longer connected to XXXX. The money was not deposited in my XXXX XXXX XXXX account and safe as it typically is, instead it was taken back as soon as this person realized the job was done and the money was still available to them. This is a blatant lack of responsibility on XXXX XXXX part. Even the email itself says only that I had received payment and nothing else I would like for the to pay the full amount of {$3500.00} for the work I performed. I was not able to contact a single person on their support line, it is computer ran and only has the ability to move you from menu to menu, you can not press zero for an operator and when I did think I found a way to talk to someone, the phone hung up ... 3 times. ZERO customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: EQUIFAX, INC.
State: SC
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 am writing to submit a complaint regarding incorrect information on my credit report that was reported by Equifax. On XX/XX/XXXX, I contacted XXXX regarding the following inaccurate information on my credit report, but to this date, they have not responded to my request. 
The following account is not mine : XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$400.00} ). Please remove it from my credit report. 
XXXX XXXX XXXX  ( Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$4800.00} ). Please remove it from my credit report. 
XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$400.00} ). The following account was never late. Please correct this inaccurate information on my credit report. 
XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$460.00}, Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Please remove it from my credit report. 
XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$560.00}, Original Creditor : XXXX XXXX XXXX ) Please remove it from my credit report. 
XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1900.00}, Original Creditor : XXXX XXXX XXXX ) Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: Reliant Financial Corporation
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This collection is damaging my. Credit its making it hard to buy my house

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01
Company: DISCOVER BANK
State: AZ
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:
Got 5 hard inquiries I dont recognize, from Discover financial SER on XX/XX/XXXX, 3 from XXXX XXXX  XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX And XXXXXXXX XXXX on XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10
Company: LEXISNEXIS
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I am XXXX XXXX XXXX  and am submitting this complaint myself with no third party. I, XXXX XXXX XXXX consumer, XXXX XXXX and original creditor of an open-end credit plan was denied my right of credit by XXXX XXXX XXXX XXXX XXXX as XXXX XXXX XXXX 
On XX/XX/XXXX the company responded with a letter dated XX/XX/2021. I have applied for a card after the 30 day wait requested in the letter attached. XXXX has wilfully neglected me of my right to the open credit line associated with XXXX. 

Adverse action was taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( XXXX ) ( A ) ( iii ) are up to {$5000.00}. LexisNexis Risk Solutions XXXX XXXX  doing business as LexisNexis XXXX XXXX are now civilly liable to pay me for the damages. 

I was notified of this transgression of my rights specifically 15 USC 1601- the Truth in Lending Act by XXXX XXXX XXXX doing business as XXXX XXXX on XX/XX/2021 via EMAIL. According to 15 USC 1602 definitions of the Truth in Lending Act, I, as a natural sentient possessing an open-end credit plan was harmed by LexisNexis Risk Solutions XXXX XXXX doing business as LexisNexis & XXXX adverse action was taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to {$5000.00}. LexisNexis Risk Solutions Bureau XXXX doing business as LexisNexis XXXX XXXX is now civilly liable to pay me for the damages.

Company response to consumer: Closed with explanation