BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-08
Company: PNC Bank N.A.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I responded to an ad on XXXX about a rental property in XXXX ( XXXX ) The scammers posed as XXXX and XXXX XXXX who were subletting their apartment on XXXX XXXX XXXX XXXX After paying an application fee of {$35.00} via XXXX I was sent a paper application with the address of the property as well as the contact info of he owners. The application looked legitimate to i filled it out and sent it. I was contacted via text and was told of the deposit of {$270.00} XXXX XXXX ) and the prorated rent of {$370.00} ( XXXX ) and a parking/amenities fee of {$99.00} ( XXXX ). I paid the prorated rent of {$370.00} via XXXX to XXXX XXXX, " wife '' The scammers attempted to get me to use XXXX XXXX and XXXX XXXX to receive all payments. 
After difficulty I told them i could use XXXX and they sent invoices which led me to believe they were legitimate. I was told of the lockbox location for the keys after paying the fees, i was also told that a bed would be provided. When asked about when the sublte agreement would be sent, he said the next day. on XXXX i inquired about the lease agreement he said his wife would send it, after a second inquiry he said he would check again. The next day XXXX, i drove to the property in the morning to see if the lockbox was at the front desk like he said. 
The property required a FOB to get in. I emailed the property to verify if Suite XXXX was legitimate as stated on the application. i was contacted by a member of staff at XXXX XXXX XXXX who told me that the suite did not exist and that XXXX and XXXX XXXX were not residents there. They also told me that this has become a growing problem with their property and they have contacted XXXX to take down the listing I then immediately filed disputes with PNC Bank, XXXX and XXXX for the money that was lost. The President of XXXX sent a letter that verifies that the listing on the application is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: AMERICAN EXPRESS COMPANY
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/XXXX, I enrolled in an American Express Offers offer to earn XXXX Membership Rewards points for spending at least {$300.00} at a XXXX property on my Amex EveryDay card. On XX/XX/2018, I spent {$660.00} on my Amex EveryDay card at a XXXX property. Amex confirmed that the XXXX bonus MR points would post after my next statement closes on XX/XX/XXXX ( see attached screenshot of conversation ). That statement closed and the bonus points have not posted. I followed up with Amex customer service via chat on XX/XX/XXXX, and was told the points show as awarded, but not posted and they are refusing to do anything to have them posted to my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-07
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Haven't been awarded the XXXX Miles in the T & C of the offer when I signed up for Delta Gold Skymiles card ending in XXXX. It hasn't been honored by American Express. We have confirmed that you are eligible to receive the promotional offer and show that youve met the required {$2000.00} spend requirement to receive the XXXX bonus SkyMiles. As a result, we issued XXXX bonus SkyMiles to your account on XX/XX/XXXX which will be available to view on an upcoming statement. However, we dont show that you have met the qualifying Delta purchase requirement as the purchase you made with Delta was for a Gift Card. Purchases that do not meet the spend requirement are disclosed in the screenshot you provided with your complaint with the header Up to XXXX Bonus Miles. We also dont show that youve met the additional {$1000.00} spend requirement in order to receive an additional XXXX bonus SkyMiles. You still have time to meet the spend requirement. For the {$50.00} statement credit, you have until XX/XX/XXXX to make a qualifying purchase with Delta. To receive the additional XXXX bonus SkyMiles, you have until XX/XX/XXXX to make an additional {$1000.00} in qualifying purchases. After the spend requirement has been met, the account is subject to a 6-8 week review before bonus SkyMiles may be awarded to the account. Thank you for your Card Membership. While this may not be the entire outcome you desired, I hope this letter has provided you with useful information. 

As of XX/XX/XXXX, I have met the requirements for the XXXX   Delta Miles.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-09
Company: WELLS FARGO & COMPANY
State: WI
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 opened this account in XXXX through Wells Fargo. It was for XXXX XXXX XXXX XXXX XXXX only. I made my purchases with this card at XXXX for home improvement. At the beginning of XX/XX/XXXX I paid off my credit card with check # XXXX which cleared the bank on XX/XX/XXXX. Shortly thereafter I received a new credit card from Wells Fargo stating the account would now be a XXXX credit card instead of just a card for home improvement through XXXX. On XX/XX/XXXX, I sent a letter to Wells Fargo advising my account was now paid in full and I wanted this account closed at consumers request immediately. On XX/XX/XXXX, I received a " Notice of Right to Cure Default '' from Wells Fargo.I contacted them immediately to find out what was going on. Wells Fargo never closed this account after I requested that by mail in XX/XX/XXXX Someone was able to gain access to this account and used the XXXX credit card number to make unauthorized purchases from XX/XX/XXXX through XX/XX/XXXX.They maxed out the credit card and changed the account to paperless billing so I would n't see it. Formal dispute letters were sent to Wells Fargo and the three credit reporting agencies. Finally on XX/XX/XXXX Wells Fargo completed their investigation and confirmed the charges were fraudulent and unauthorized. Their letter of XX/XX/XXXX states " ... we have closed your account, and instructed the consumer reporting agencies to remove this account from your credit file. '' They never removed the negative reporting and when I went to apply for a credit card I was declined due to late payments reported by Wells Fargo. I have been trying to get them to remove the late payments on my credit reports since XX/XX/XXXX! I called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX! They tell me it will be corrected and yet it still remains on all three of my credit reports. I need someone to please help me in getting this negative reporting removed from my credit 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 non-monetary relief
Consumer complaint received 2018-06-07
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I have tried to resolve this from XX/XX/17 to the present. XXXX XXXX XXXX said they would pay my final months lease payment because I turned the car in one month early.They checked the car in and there was no damage. I leased a new car from them and 3 months later I get a bill for XXXX from a collection agent. I then started calling Hyundai Motor Finance and the dealership. I have emailed, and sent documentation proving that I am accurate and honest about the sequence of events. After 5 months of fighting with XXXX XXXX XXXX  they gave me XXXX. The entire time I was speaking with Hyundai Motor Finance. I then called them, and put in writing that I would pay the bill, but I wanted this off my credit report. They refuse to correct my credit report. The dealership that represents HMF lied and did not do what they said they were going to do and they damaged my credit. I have 30+ pages of documentation and numerous requests to have HMF remove this from my credit. HMF refuses to acknowlege that they are wrong. HMF has ZERO customer service, and they refuse to accept responsibility for their dealership that represents XXXX. All they want to do is trash my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
Company: Sequoia Financial Services
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I went to XXXX to see a doctor for a XXXX issue. When I arrived at the reception desk, I provided my insurance information and asked whether there would be any out-of-pocket charges. I was assured there would not be any. As such, I saw the doctor and they ran several exams. A few weeks later, I received an invoice in the mail and immediately called XXXX to dispute the charge. After all, I'd been told there would be no charge. I spoke to two different people at XXXX and both rejected my dispute outright with no research and were openly confrontational. I later received a notice from Sequoia Financial Services notifying me they would send a notice to the major credit reporting agencies that I neglected to pay. I called them and told them the situation and they were uninterested and insisted I pay. I never would have seen the doctor had I been told there was an out-of-pocket fee. And especially not if I had known just how expensive that out-of-pocket fee would be ( now {$610.00} ). Fast forwarding to today, I now have reports with all 3 major credit reporting agencies that have lowered my score from the high 700s and low 800s and brought it down to the 600s. This is patently deceptive and amounts to extortion ; threatening my finances to get paid for a service they assured was covered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: SYNCHRONY FINANCIAL
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: Public record information inaccurate

Complaint:
My name is XXXX XXXX, a customer of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX. On XX/XX/XXXX, we applied for equity loan with the bank : I and my wife, XXXX XXXX. The bank responded with a letter asking us to complete so that it will be able to access our information through the IRS, form XXXX  ; however, we did response by signing and sending the information to the IRS as directed by the bank. Surprisingly, we received a letter from the bank the same day denying the equity loan when the information we sent had not even been processed either by the IRS nor the Annual Credit Repair Request Service. We filed a complaint with the XXXX XXXX XXXX questioning the abrupt suspicious stop of our application process contrary to the previous letter of the bank. The two officials of the bank investigating this matter are : XXXX XXXX XXXX, XXXX-XXXX-XXXX-XXXX and XXXX XXXX, Senior Vice President, XXXX XXXX XXXX XXXX. 
The XXXX XXXX claimed in the letter sent me that we applied for a credit program with TJX reward card. We never did, and had never done any business with this bank ever. However, this was intentionally done in order to sabotage our application with XXXX XXXX. XXXX XXXX is our mortgage company who even refinanced our house, our request for the loan is to repair our house. And we have other things placed into our credit report that are not true, but only used to disqualify our application. It's fraudulent, and should be investigated. You can reach me by phone : XXXX-XXXX-XXXX. Thanks.

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 2018-06-07
Company: Santander Consumer USA Holdings Inc.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a loan with SANTANDER. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and SANTANDER with no successful resolution. XXXX, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
This particular account has been closed since XX/XX/2017. It is a charged off account that has a {$0.00} balance. 

According to the XXXX XXXX five points of compliance, this particular credit bureau ( Transunion ) is using ACDV ( Automated Credit Dispute Validation ). When using automated validation, information is not being correctly investigation because the e-Oscar system is simply just " copying and pasting '' old information and treating it as new. 

This account needs to be removed and deleted from my credit report. I have sent numerous letters to have this account removed to no avail.

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 2019-01-22
Company: Caliber Home Loans, Inc.
State: ME
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:
an error was made on my computer to send my mortgage payment of {$2000.00} to 2001. I was ill and my husband was helping out. this went on for 2 months. no one sent out a letter or called. on the third month I got a call from CALIber stating I was 2 months late on my mortgage with penalties and going into collection of some sort. I argued with them that I know I am over playing to begin with and my mortgage was always paid for even missin {$140.00} I complied and sent in what they asked for and my credit was crushed and the fact that I knew there was more than enough $ in their account. then in XX/XX/XXXX I get a check for XXXX overpayment. I called again to get them to correct this and they would not help me. we have never been late for a payment of any sort in our 40 years married. T0 be treated like we did not know what we are doing and they were right with no appolgy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
My girl friend and I purchased a used XXXX XXXX and financed it with Ally finance. They have report us more than 30 days past due 3 separate times incorrectly. I found this on my credit report while trying to obtain a home loan. My loan officer and myself along with an employee from XXXX XXXX  called Ally to question the late payments. My due date on the loan is the XX/XX/XXXX of every month. In XX/XX/XXXX they reported me 30 days late when the check was presented to my bank on the XX/XX/XXXX and was cashed. In XX/XX/XXXX, they again reported me 30 days late. This check was written on the XX/XX/XXXX and presented to my bank on the XX/XX/XXXX and posted on the XX/XX/XXXX. The 3rd offense was XX/XX/XXXX I had missed the payment for XX/XX/XXXX and made a double payment in XX/XX/XXXX after I had received a nasty gram from ally reminding me that they did not receive XX/XX/XXXX 's payment. I am asking that these two 30 days late marks on my credit report be removed as I believe it is illegal to report incorrect information. This is adversely affecting my credit report and lowering my FICO score. I am also asking that as a courtesy, ally also remove the 30 day late payment in XX/XX/XXXX, as they appear to have issues with there book keeping. They claim I bounced a check to them, however, I find no bounced checked fee listed in my account during that time frame.

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 2023-01-20
Company: Scratch Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
NOTIFIED OF LOAN IN DEFAULT VIA US MAIL BY SCRATCH SERVICES LLC Loan for XXXX funds under a XXXX number that is not ours Business name similar but not correct

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
Company: The Receivable Management Services LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX of XXXX, CA mailed our company compliance posters on XX/XX/XXXX. These posters were not ordered or authorized by our company. We contacted XXXX XXXX and informed them of this fact. They stated that the items were authorized by our company president on XX/XX/XXXX. This is not a true statement. 

XXXX XXXX refused to pay for return shipment or to cancel the debt. They subsequently referred the matter to a collection agency, who contacted our company on XX/XX/XXXX. We responded with an email response to XXXX XXXX, but received no response. We were contacted again by the collection agency on XX/XX/XXXX. Our president called the agency ( Receivable Management Services, LLC ), and notified them we considered this instance of fraud on the part of XXXX XXXX and would be taking appropriate action.

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 2017-12-09
Company: Experian Information Solutions Inc.
State: LA
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 recently pulled a copy of my credit report and to my surprise I noticed that you are reporting inaccurate data- such as : REPORTING AN ACCOUNT AS A COLLECTION ACCOUNT MULITPLE MONTHS IN A TOW WHEN AN ACCOUNT CAN OHNLU FO INTO COLLECTIONS ONE TIME. NOT 4 TO 24 MONTHS IN A ROW LIKE YOU ARE REPORTING IT!!! AND NOT AS A BRAND NEW COLLECITON EACH MONTHYOU HAVE REPORTED THESE ACCOUNT INACCURATLEU LONG ENOUGHREAGING OF AN ACCOUNT IS A MISREPRESENTATION OF MY CREDIT HISTORY.. SO DELETE THESE ACCOUNTS NOW!!!!!! PLEASE!!!!!

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 2022-08-10
Company: EQUIFAX, INC.
State: MA
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 any inaccurate date, information, reported account history, and addresses 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. 

I pulled my entire credit report and noticed inaccurate dates, addresses, missed payment info and account history, remarks and information. I decided to write 409 letters to each credit agency on XX/XX/2022 to fix this. As well as a verification of method used letter on XX/XX/2022 to follow up and verify information that was verified. I also wrote a demand and comply letter to continue to try and resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX, I first went to my bank and withdrew {$400.00} in cash and went right over to Citibank and deposited it there to my other account. I received two receipts for the deposit, but the money never showed up on my Internet account, nor did it show up in the records of Citibank in the XXXX. I spoke to XXXX at about midnight on the XX/XX/XXXX and she said she did not see a {$400.00} deposit. I spoke to XXXX at approximately XXXX on XX/XX/XXXX in the executive response unit in XXXX XXXX , TX , and he said the money was in my account, but I looked at my internet just before I called him, it was not in my account online. I then called the assistant branch manager XXXX, who was at a different branch in XXXX XXXX, as the branch manager was at a meeting and not in the branch. This afternoon, I went to the branch manager and told him the problem and he basically said I was a liar!!! He did not try to see what went wrong and did not take any responsibility and it didnt even ask my name. 

When cash is deposted it is supposed go into my account and show in my account immediately, but it didnt until approximately XXXX on XX/XX/XXXX. I have never had a bank do this to me. 

I pulled all my money out of my account at Citibank and left the account open, but also canceled my direct deposit, as I do not trust this bank! 

There is something very wrong with XXXX in XXXX, CA

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 2021-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
i opened a account in 2018 for my personal account. I applied for a job on XXXX in found out it was a scam now i cant open any account due to this problem which is ruining my life for business needs in also to support my family. i have done anything wrong i reported this to a clerk due to me thinking this was to good to be true. the clerk told me to get rid of this check in that there will close my account to investigate but now i am under FRAUD.

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