BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-19
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I own a commercial building and previously banked with PNC. 
My tenant inadvertently sent the rent to PNC bank XXXX, but we had changed banks, closed the PNC accounts, and notified the tenant. 

PNC cashed the checks totaling almost {$7000.00} and held the money for several months. They now claim the funds were returned, but XXXX XXXX, who originally issued the checks, has provided documentation of the cashed checks and the account debits, and has no record of the funds being returned. After 4 months and numerous phone calls emails faxes etc, PNC has still not provided acceptable documentation of the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Experian Information Solutions Inc.
State: MO
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 mailed a letter to Experian, XXXX, and XXXX on XX/XX/2023, with tracking number XXXX. Despite over 30 days passing, I have not received the investigation results from the credit bureaus. This situation is perplexing. As per 15 U.S. Code 1681, if a consumer disputes information accuracy and notifies the agency, the agency must conduct a free reinvestigation within 30 days. This legal requirement has not been met. 

Accounts : - XXXX XXXX, Acc # : XXXX - XXXX XXXX, Acc # : XXXX - XXXX XXXX XXXX, Acc # : XXXX and Acc # : XXXX - XXXX XXXX  XXXX, Acc # : XXXX - XXXX XXXX, Acc # : XXXX - XXXX, Acc # : XXXX - XXXX XXXX, Acc # : XXXX - XXXX XXXX XXXX, Acc # : XXXX and Acc 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 2022-09-06
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Greetings, I have been trying to resolve these issues with navy federal now, for a long time, and they keep treating me like a criminal. I did a bankruptcy in XXXX, and navy federal was listed on default. Now, every time I log in to my account, there is a notice that they are flagging me. I spoke with someone regarding this matter, and they told me this should not appear on my account. We are now more than XXXX years. I tried opening a new account so that I could receive my direct deposit from the VA, and they kept saying that I had a balance that was owed to them when it was due to fraud, and I had to file a police report, complaint with CFPB and spoke with them in regards to that matter. 
Now, this company claims they only serve military individuals and their families. Still, I know that they have civilians with open accounts with bad credit and bankruptcy, I have proof, and I have some of these individuals ' names. And yet we, as the total and permanent XXXX veterans, are being denied services. 
I am upset about the injustice and the double standard this bank is showing to military individuals. I have been banking with penfed and vystar, and they have been perfect to me and the reason why i am filing another complaint is to remove those negative account in my profile and allowing me to open an account when i want and that i have the right and eligibility as a XXXX veteran to do so. 
They will write backj to the cfpb, that they did their due dilligence and that i should call so and so for more questions. WOW really navy federal?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX has a accounts an my credit report on my Equifax that should not be there. Account number XXXX showing an opening date of XX/XX/2016 I disputed the item and it was removed and then reappeared on my report. I wish to resolve this issue as quickly as possible by having this fraud information removed from my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
since XX/XX/2022 I've noticed on Equifax.com my credit score and only 1 card reporting in my history was not mine. I reached out to Equifax whom advised me that they see the issue with my online as they can visually see all 7 open accounts reporting on the backend on their system, who then assured me the issue will be fixed within 24hrs once we disconnected the call. in XX/XX/XXXX I applied for a loan which I was denied for as the lender advised I have no score with Equifax and history shows only 1 account. I called Equifax on XX/XX/XXXX as I remembered this was the same issue I was assured that was fixed back on XX/XX/2022 that was not fixed! I stayed on the phone 3hrs after being transferred and hung up on ; I worked with XXXX who told me that there was clinch with the company as she see all my accounts as we went over ALL 7 reporting accounts and disputed the account that was not mine. which since then was removed. after waiting 3 hours the agent advised that this something that will take longer and will have to call me back within 72hours. XX/XX/XXXX I called as to get an update, I was advised that it was fixed XXXX. I checked my credit report while on the call and only one account was reported back and 1 account XXXX XXXX XXXX XXXX  ) that was not mine was added back. they told me there's nothing can done as they can't see my history anymore on they're side. and that I would have to tell all my creditors to report my payments to Equifax. I told them all my creditors never stopped reporting to Equifax. instead Equifax erased my credit history and stopped reporting my accounts no my creditors. The agent was very rude nonchalant advised there's nothing else that can be done. I asked to speak with a supervisor she stated that she is the higher up the ball stops here with her. I asked 4 more times she finally stated that she has a superior but he is very busy with other calls I can leave a request but he most likely won't call me back. I was in disbelief that a company that has access to a person livelihood can be so inconsiderate unprofessional non helpful and deliberately make you feel that your issue does not matter when Equifax is at fault for erasing my history. I put the request in and called back to try to speak to a supervisor and im currently now on hold

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Credit card
Issue: Transaction issue

Complaint:
I am writing your agency because I did a complaint previously in here regards some charges on my Capital One card, case #  XXXX , about  XXXX  disputed charges from the merchants  XXXX  and   XXXX   XXXX  . I got a response and it says that the merchants responded to the dispute notice and based on the information they received, the merchant 's decision not to honor my refund request appears consistent with the terms and conditions the merchant makes available to consumers in connection with the purchase at issue. In resume they denied because they are saying they sent a copy of the merchant 's cancellation policy, the point is if they DID NOT provide the services that I paid for, then none of this cancellation p olicy matters.They calle d me unsolicited, pushed me their services as needed and now they did not deliver it. So I am looking for my refund as they were incapable of do the work that I paid them to do it. The reason why I started the dispute is because the services were not rendered by the companies, I did authorize the merchants to charge my card, but I did not receive the services that I was led to believe that I paid for. They made me a bunch of promises and they did not fulfill with their end of the deal. I am very upset because my bank is not even trying to understand my situation. I tried to open a dispute right after the charges and it seems like they are ignoring the fact that I got scammed by these scam artists. All I am asking is the chance to open a dispute. I tried to resolve with the merchants but they do n't respond my calls. All I want is my money back. Even if they tell me they did work for me now it is too late, since after I paid them I could barely get in touch with them or get any straight answer from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently checked my XXXX  report and there is a collection being reported by SYNCB Banana Rep.I tried reaching out to them but I havent heard anything. This account is not mine. I would like to see validation of when and who opened this account. I never signed any document to allow for this account.

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 2018-02-06
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I recently applied online via the American Express web site for a DELTA RESERVE CREDIT CARD FROM AMERICAN EXPRESS, with an annual fee of {$450.00} USD. Prior to completing and submitting the application and being approved, there was no disclosure of the fact that an additional fee of {$170.00} USD per year is applicable if I wanted my secondary cardholder to have the RESERVE card ( rather than the default PLATINUM card ). This is an important item which should have been clearly disclosed in the Terms & Conditions prior to even getting to the application page. For American Express to make this disclosure only *AFTER* I had already completed the application and *AFTER* I had already been approved as the primary cardholder is misleading, deceptive and dishonest. I called American Express to report this issue and to file a complaint, which was supposedly escalated up the ladder within American Express " for review '' but was shocked that no one would be following up with me directly on this issue. American Express agreed to downgrade the secondary cardholder to Platinum and refund the fee after the fact, but this completely ignores the fact that my decision to apply for the RESERVE card itself was based on the understanding ( due to lack of disclosure ) that there would be no additional fee for the secondary RESERVE cardholder. What recourse do I have? I feel that American Express should be legally required to provide this disclosure PRIOR TO APPLICATION AND PRIOR TO APPROVAL, which was not done in my case. On the basis of this lack of disclosure, I believe that I should get the secondary RESERVE cardholder at no additional cost for each membership year and for as long as I keep the primary RESERVE card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Experian Information Solutions 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2018-02-06
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was charged excessive fees for credit card transactions. A California-based website, XXXX, processes transactions from their XXXX location, not known to me at the time. This resulted in international transaction fees. Also, the merchant recently changed their merchant category code ( MCC ), which resulted in cash advance fees. This totals 7 % for the same transaction. There were five from XXXX   and one from XXXX. These were all online, not at an ATM or bank where Ill expect cash advance fees. The credit card agreement does not make it 100 % clear under the fees section that multiple fees are possible for the same transaction. It seems to suggest that international transaction fees are only for purchases and not cash advances ( since that has its own fee ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX XXXX they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old XXXX  PLEASE HELP ME PLEASE im XXXX now.with no 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 2017-08-20
Company: EQUIFAX, INC.
State: NC
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:
Ever since XXXX XXXX, I 've been reaching out to Equifax about removing unauthorized inquiries on my credit report. I sent them at least two letters and disputed online about the unauthorized hard inquiries on my report but Equifax never removed them due to the inquiries to be " valid '' but could not provide proof of its validity. The following are the inquiries in question : XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX (XX/XX/XXXX ) XXXX XXXX (XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Resurgent Capital Services L.P.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Text, emails to me daily XXXX XXXX harassing me about this accounts I have told them. I cant at the moment and remove my number from contacting I will contact them when Im ready.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The Original creditor has failed to show proof of the original signed documents ( CONTRACT ) for the vehicle. per the FDCPA and the Law of being granted XXXX  days to prove the original debt and my original wet signature. I did not sign anything therefor I want this taken off of all Credit reporting agencies. 

I AM SEEKING RESTITUATION IN MONETARY GAIN. I never signed any information or paperwork on any 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 2019-07-20
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Sears Citibank Credit Card reported late payments on this months XX/XX/XXXX & XX/XX/XXXX, even though I called with enough time to ask if any payment arrangements will affect my credit report and they said no. Now theyre saying that because the payment was set up a day after my statement closed they needed to report it that way but never mentioned that through the phone. 

I called to postponed it with ahead of time for the same reason to prevent negative impacts to my credit and because I was going through some financial hardships back then. They help with lowering my payment but I was asked to close my account. I want to make sure those late payments are removed from my account, the account is in good standing and everything owed or due back then was resolved within enough time.

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 2017-08-30
Company: Kashia Services
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I am currently out on XXXX XXXX after having XXXXXXXX XXXX XXXX XXXX & I can not afford to pay the high interest payments while I 'm out of work. They have started calling my place of employment & several references even after I told them not to. The interest is way to high as well.

Company response to consumer: Closed with explanation