BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-06
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I mailed a check to a vendor for almost {$7000.00} and the check was stolen from the XXXX. The thief " bleached '' the name of the vendor, changed it to her name and cashed it. First National Bank of PA cleared the check and the funds were taken out of our account. When I discovered that our payment had not reached the vendor, and I could see the name had been changed on a copy of the check online ( XXXX week after the fraud ), I went into the bank and spent XXXX hours filling out a fraud report on XX/XX/2022. In addition, I filed a police report, and the US Postal Service sent a representative who told me they had been surveilling the home of suspected mail thieves and were able to retrieve a copy of the fraudulent check and deposit slip to prove my funds had been stolen. They were able to obtain a search warrant and two people were arrested. I sent this information to the bank via email so they would have the contact information of the XXXX fraud department. The bank assured me that they were reviewing the case. Today is XX/XX/2022 and the bank has still not refunded the stolen funds. Although the branch manager has been extremely helpful and supportive, we still don't have our money back and it is impossible to pay bills with an " I'm sorry ''. I don't know what else to do but to leave feedback on how the bank has responded to our situation. This is First National Bank of PA and is located in XXXX, NC. I hope this feedback helps someone else to understand how First National Bank of PA handles fraud cases and the length of time it will take to get your money back ( if we ever do get it back ) when it is so obvious that the situation is fraudulent. XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-21
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021. I was scammed on XXXX. I saw a post with an investment opportunity and went for a it. A close friend of mine had posted it, so I was sure that it was okay to trust. I contacted the company and was immediately instructed on how to get started. They asked me if I could put a {$1000.00} deposit down to hold my spot, so I transferred funds from my savings to my checking account and sent it. I then received a call back stating that they were going to red flag my account because I lied about sending them the money! They physically called me to say this. I XXXX the money and theyd help me invest it into bitcoin is what the ad also said. They seemed nice and promising, I thought nothing of it. They asked me to resend it, so I transferred another {$1000.00} to them but this time to a different contact as instructed. These transactions were completed via XXXX. I then reached out to my friend to let them know what I have done, only to be told by another friend that it was a scam. I immediately contacted my bank to report it and was told that because the transactions were pending, there was nothing that they could do and that I should wait the following day. On XXXX XXXX, I went to PNC back to file a dispute and on XXXX XXXX I was informed that my claim was denied because my bank does not protect consumers against 3rd parties like XXXX ( which I had used ). I asked the bank to escalate my dispute and received a call XXXX XXXX only to be told again that my claim is denied and that they ( PNC XXXX does not protect consumers against 3rd party transactions and to only send money to people you know. I explained that I am am very intelligent, do not insult my character, I WAS SCAMMED! They said sorry and hung up. Ive been blocked from using the mobile app, online banking, XXXX and more. I was scammed and they treated me like the criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: TFC Credit Corporation of California
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I took this loan just before starting XXXX XXXX  at XXXX XXXX XXXX which began on the XXXX of XXXX. By XX/XX/XXXX I realized this was not for me and dropped out. I knew I would owe some money so I contacted the school to find out how much. They contacted me back and let me know I owed XXXX. I contacted the lender to work something out and we did. I received a payoff letter for the amount of XXXX on XX/XX/2023 that needed to be paid by XX/XX/XXXX. The next day ( XX/XX/XXXX ) a new account was opened. I was alerted through an email. I immediately called TFC ( the lender ) and was told that XXXX renegotiated the loan for more money XXXX. Is this ethical or even legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My information with equifax has been breached. Here is the proof and they refuse to delete these accounts. 
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 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX So please delete these from my credit reports immediately as I was a victim of this data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-08-11
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I contacted the company in regards to a notice I received pertaining to legal action from a debt. The lawyer that answered was abusive and very rude in speaking with me, so I asked to speak to someone else and he slammed the phone in my face. I now do not feel comfortable contacting this company again due to this experience and the abusive nature they are known for based on XXXX reviews. I tried calling Comenity Capital Bank, however, since the debt had been sold they could not assist me. This may result in adverse actions towards me as I do not have anyone else to contact to learn more about the debt notice and options.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: EQUIFAX, INC.
State: TN
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:
The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under. 

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 instruction. 

Also the Credit Bureaus took more than 30 days to complete my investigation here is my certified mail tracking XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was a victim of a wire fraud and scam. My bank Capitalone Bank recall the wire but fail to provide any update and failed to protect me from the scammer. {$20.00}, XXXX was wired transferred to acccount at XXXX XXXX under false pretenses. Have I have known that the money was going to a scammer I would have never wired the funds. The person who received the funds XXXX XXXX on XX/XX/2022 admitted that he received this funds but wired it out as soon as he received it. He did not question the wire. He is an accomplice to this wire fraud. I was able to find XXXX XXXX on the internet and contacted him. He said he took the wire and transfer it out by buying bitcoin and delivering to the scammer. Capitalone bank is also accomplice because they did not assist in recovering this wire fraud in timely matter. They have no standard operating procedures in place to protect customers like us. They recall the wire yet failed to follow up with the beneficiary bank. The wire was recall since XX/XX/XXXX as soon as the fraud was discovered but there was no movement. The beneficiary bank refuse to cooperate or has given no update to my claim. XXXX XXXX is accomplice to this fraud because they have failed to appropriately respond in a timely matter and failed to investigate nor close his account for fraud. XXXX XXXX failed to respond in the timely matter and from what I heard Capitalone can not contact them directly. My bank has to wait which for XXXX XXXX  to respond. The lack of urgency in the matter will cause tremendous harm to the victims of scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This notice is to inform you that you have broken the law. You unlawfully reported unauthorized accounts on my consumer report that have violated my federally protected rights to privacy and confidentiality under FCRA law 15 USC 1681. I have not given written permission to put anything on my credit profile. You have violated me pursuant to 15 USC 1681B, the permissible purpose of consumer reports. You have no permissible purpose by law to contact third parties with my private and personal information. Your offenses amount to aggravated identity theft pursuant Title 18 USC felony punishable 1028A. You have knowingly transferred a felony punishable with up to 2 years of imprisonment in addition to civil liability up to {$1000.00} per violation. You are also in violation of 15 USC 1692G and my instructions are for you to delete these accounts immediately. 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 My only name is XXXX XXXX XXXX. My only address is XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: GA
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: Their investigation did not fix an error on your report

Complaint:
To update this suspicious information, I sent a letter to the three credit bureaus. I believe that these accounts have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. 

XXXX XXXX XXXX Balance Owed : {$450.00} ; XXXX XXXXXXXX Balance Owed : {$900.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
Company: JPMORGAN CHASE & CO.
State: NJ
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:
My account became overdrawn XXXX USD because of a lost wallet where I already reported my passport stolen that is now XXXX for international travel. Chase Bank is lax wuth their overdraft protection allowing excessive overdrafts to occur in extreme situations like my own. The process for unauthorized ACH 's is prolonged where I must wait to receive an affidavit statement by XXXX mail first and hopefully within the 10 business day timeline. I have a substantial secondary account in the meantime, but the claims process is overwrought when in my instance a lost/stolen identity is straightforward where XXXX XXXX returned the money taken from unauthorized debit card transactions immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-07
Company: JPMORGAN CHASE & CO.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/2022 email from mortgage broker XXXX XXXX at Chase Bank. XXXX ID XXXX to explore a mortgage XX/XX/2022 convey him I would not need a mortgage as the house I saw over the weekend was old He then sent me a text message ( saved as proof ) called me a XXXX and a XXXX 

These XXXX  abuse were very powerful now it stays with me and make me XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Chime Financial Inc
State: MN
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 called chime customer service and thought I was talking to a representative who then. took remote access of my phone and transferred all my funds from my XXXX XXXX and savings account to my checking and transferred all my funds to his account I disputed it with chime, and they denied my dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: EQUIFAX, 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:
I have previously diputed inaccurate information on Equifax from XXXX XXXX Account Number xxxxxxxxxxxx XXXX ACCOUNT PREVIOUSLY IN DISPUTE NOW RESOLVED BY DATA FURNISHER This is incorrect. 
The information was not updated. Conflicting data reporting Example : Date of First Delinquency XX/XX/2018 But shows XX/XX/2018 paid as agreed Also no data entered for several months ( XX/XX/2018 etc.. ) I feel they are ignoring my letters. 
Section 611 states that failure to investigate these items within 30 day gives reason to immediately delete inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: SUNTRUST BANKS, INC.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I previously requested Suntrust to establish overdraft protection on my account when I received an overdraft fee in XX/XX/XXXX. They advised that it would be established. In XX/XX/XXXX I requested then received another overdraft fee of {$36.00} and they advised that the overdraft protection was not established as advised by the previous representative and they would confirm it corrected and waive the fee, the conversation occurred on XX/XX/XXXX. XX/XX/XXXX a transaction went through and there was n't enough funds to correct the transaction I was charged the fee and requested the fee to be waive and was advised that due to the fee they fixed in XX/XX/XXXX they were not able to adjust an additional fees on the account. Escalated to a supervisor who was unwilling to help or support on XX/XX/XXXX Requested to escalate further and she declined.

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 2023-07-29
Company: EQUIFAX, INC.
State: FL
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:
YOUR COMPANY IS IN CLEAR VIOLATION OF THE LAW. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATE ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report CLEARLY STATES : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; DELETE THE ABOVE LATE PAYMENTS FROM MY CONSUMER REPORT, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account ( s ), and sending out a free copy of my report after the changes have been made will result in legal actions being taken against your company,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25
Company: KEYCORP
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XX/XX/XXXX XXXX Robocall from XXXX XXXX XXXX threats of legal action sheriffs office and other more ominous action I called number back to inquire what on earth as to best of my knowledge i have no legal issues Person answering identified themselves as a debt collector XXXX (? ) made reference to an old Key bank account closed in XXXX in XXXX or XXXX i informed them that i was on the National Do Not Call Registry and that the debt in question was over 15 years old and well outside any collectible statute and hung up. 
I am currently living in XXXX statute for unsecured debt is 5 years in XXXXXXXX and XXXX in XXXX  XX/XX/XXXX XXXX XXXX Robocall again making ominous threats about a sheriff office complaint and legal action from XXXX XXXX XXXX robocall provided XXXX XXXX XXXX as call back # again person claiming XXXX be from collector XXXX (? ) i again informed them that i am on the National Do Not Call list and that the bank account was closed back in XXXX or XXXX and was well outside any statute of limitations and to conduct themselves accordingly. I have reported to the matter to the Florida Attorney General hotline and additionally will be also to the Office of Financial Regulation I had blocked both # s but have put them on caller id and will be saving any further attempts to contact me and hopefully will be able to save the threatening recordings

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: FIRST HERITAGE CREDIT LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
My wife has a loan with a finance company. They have called me, the husband XXXX XXXX several times about the account daily, talking reckless to me, threatening legal and I am not the account holder. Called my mother in law who was not listed as a point of contact. Account got behind and all personal info was shared with me and I am not the account holder. First heritage credit XXXX sc

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Experian Information Solutions 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX, XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2200.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX 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 non-monetary relief