BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-04
Company: PNC Bank N.A.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/19 XX/XX/19 {$500.00} I deposited a international check on the XXXX of XXXX. Was told that it would be in my account on XX/XX/2019 because it was in the collection procees. I called PNC in XXXX, alabama and talked to a teller named XXXX. She was very rude and unprofessional, when I asked if I could speak to the Branch Manager she told me she wasnt in today and that she wouldnt know. I told her that if she was barring me from speaking to somebody of authority than " this wouldnt work in her favor '' she then proceeds to say that Im threating her and that she would hang up. I then tell her that I have this converstaion recorded and if she lies on me I will try to get her fired for false accusation. She then changes her tone and denies that what she ment. She asked me who did I speak with and I tell her to " hold on and let me get the recording '' -- - it takes time to retrieve the recording because I have alot of them saved, while im searching, she starts to act like I wasnt on the phone and ask " are you still there '' I chime in and tell her to 'hold on and that you know I'm trying to locate this recording, so you can see that this is a ongoing situation and that I've already talked to a branch manager and she specifically told me the money would be in my account on the XXXX. She then claims Im yelling at her and she hangs up. I also want to note that on XX/XX/19 XXXX had hung up in my face but I decided not to report it due to reciver problems with my phone. I have the conversation recorded. I called PNC corporate but theu dont have a complaints department.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
just contacted the synchrony bank to report fraud charges done by someone else other then me

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 2019-02-04
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have called and disputed these accounts. I have emailed the CEO to have his team look into it and start a dispute. I have even sent in documentation showing that an old Mortgage account should have no late payments. The company responds by saying they can not read the document clearly or that I have already disputed this information and unless I have newer documentation, they can not reinvestigate.

1. XXXX XXXX FKA XXXX - is NOT my account and needs to be deleted. 
2. XXXX XXXX is showing 2 late payments - this account was never late. 
3. XXXX XXXX XXXX XXXX XXXX is showing late payment ( s ) - this account was never late.

4. XXXX XXXX XXXX has several late payments. I have sent them proof that this account should have no late payments and they refuse to remove them saying they can not read the document. 
5. XXXX XXXX  XXXX shows late payment ( s ) - I have never paid this account late. 
6. XXXX XXXX XXXX This is not my account and needs to be deleted.

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 2017-12-07
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
On XXXX XXXX, XXXX, I spoke with a representative at Citi Bank about a payment plan. I am XXXX past due and can not afford that due to family obligations, bills, and a lawyer earlier in the year which was all stated in the recorded phone call. I stated REPEATEDLY that I did not have the funds in XXXX to make a payment. He came back and told me we could settle on an agreement of XXXX per month for 5 years at zero interest. I agreed, once again stating that I did not have the funds for XXXX and starting XXXX XXXX, XXXX and the XXXX of every month after, I could pay XXXX a month. On XXXX XXXX, XXXX I recieved a letter stating that this agreement was terminated due to no payment when I did n't have a chance to pay because it 's not XXXX XXXX. Once again, I stated repeatedly I could not pay in XXXX and that was not an issue to him at all. They made NO EFFORT TO CONTACT ME AND SENT MY ACCOUNT TO COLLECTIONS. I call them on XXXX XXXX, XXXX demanding I speak to the same guy I originally made this deal with or forward me to some type of XXXX or supervisor to deal with this. The lady on the phone refused to transfer me and lied to me saying she could n't access my account anymore. I was just on my account that morning so I knew she was lying to me. I go to log on again not even 3 hours later and I 've been blocked from my account, and have no access to see anything. The point of this complaint is that they did not follow through with their side of the agreement, when I told them multiple times I could NOT pay in XXXX and made NO EFFORT TO CONTACT ME. Please take the time to listen to the recording from 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 non-monetary relief
Consumer complaint received 2017-12-07
Company: CURO Intermediate Holdings
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
My XXXX XXXX card was stolen from my car along with a small journal with a lot of important numbers I keep in my armwrest. Because I barely use my card, I didnt notice it was lost until I tried to make a purchase at a restaurant. I called my bank to report my card stolen and they told me of transactions on the account. I informed the specialist that I lacked online access to see these transactions and that I would like to get access and file a dispute. The specialist told me I had to wait till the transactions posted and said she will email me a login info. I never received the email, and called back 2 days later to see if ye transactions posted. The supervisor told me yes and helped me file a dispute. She then said she will send me another login information to gain online access, but I still didnt receive it, and it was like that back and forth. I didnt hear from my bank till a couple of days when I received my replacement card and I couldnt activate it. They told me my account was closed, but wont tell me why and that I should go online and referr to the card agreement service page. I did t hear from them again until I called today to ask for the status of my claim and they told me they reached a decision on XXXX that said they denied my claim because my card was used with a merchant close to where I live. I told the lady so if I someone robs a bank closer to the owners home does that mean the owner is at fault? I asked hem to reopen my case and ask for video footage or a receipt where I signed anything and they refused and told me to send in an appeal letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: CL Holdings LLC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed through the Company directly along with having the record deleted from my credit accounts for debt that is not under contract or has no valid contract to owe. So now I am here asking for help. They are negatively impacting my credit score which is affecting my business loans on a contract that is not binding or has not contract showing ownership.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2018, I discovered someone had been trying to use my credit to purchase homes and cars. I found an excessive number of inquiries on my credit report that do not belong to me. I filed an identity theft report with FTC on XX/XX/2018. I reported the fraud to all three agencies. XXXX  and XXXX removed the fraudulent items immediately. However, Transunion refuses to do so. They claim I have to call each creditor on the report and get a letter from them to remove the inquiry. Since I didn't request credit from these companies, I have no way to contact them. I tried looking them up but the only name on the report is abbreviated like XXXX XXXX XXXX. There's no company I can find called XXXX XXXX XXXX. How does Transunion expect me to contact a company of which I am not aware nor can I find on the internet? I thought the credit reporting act to protect me from issues like this. 

I have contacted Transunion several times regarding this matter and they refuse to remove the fraudulent items which is dramatically lowering my credit score. My XXXX  score jumped to XXXX when the items were removed and my Transunion score is still only at XXXX. It is hurting my ability to prosper and move forward in my life. I come from a long line of military men going back to the XXXX through my dad who was a XXXX. Please help me ... I don't know what to do/how to move forward.

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 2019-02-04
Company: Automated Accounts Management Services
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX.. I received an alert from the major credit bureau alerting me that a collection account was added to my credit file. Which resulting my FICO score to drop. I looked at my report it was AAMS who added an old debt from XXXX XXXX  XXXX. 
XXXX XXXX  XXXX had placed a {$460.00} medical debt on all 3 majors credit bureau since XX/XX/XXXX. The account fell off on all my my report late XX/XX/XXXX. I was very surprise that the account was sold to AAMS who never notified me of this old account they acquired from XXXX XXXX XXXX. I have 2 medical account with AAMS which I have been paying for more than 4 years {$50.00} every months. On XX/XX/XXXX at XXXX XXXX  I received a call from XXXX at AAMS who told me over the phone that a letter they mailed to me came back with an address change. I told him yes, indeed I moved. I gave XXXX my new address. XXXX never discussed of this old account that AAMS purchased with XXXX XXXX  XXXX. As a matter of fact, he confirmed that I only had 2 accounts with them {$310.00}. and a {$2300.00} account as of XX/XX/XXXX. he never mentioned of this old account they purchased in XX/XX/XXXX. I never received any letter of this old debt {$460.00} for medical visit I did at XXXX in XXXX. I had to pay this debt right away because of the house closing i have in 2 weeks. I felt violated

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: EQUIFAX, INC.
State: MO
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:
Equifax and XXXX are reporting incorrectly a balance due on the XXXX - partial account number XXXX. These items were included in the Chapter XXXX BK. XXXX is reporting this item correctly. This incorrect reporting is harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: BBVA FINANCIAL CORPORATION
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2018 I opened an account with BBVA Compass. In a weeks time, they allowed my account to be compromised, they froze it, i did not even HAVE my debit card yet when they did. They have still not let me get my money out. Even had to open a SECOND account and they still won't let me. I had to miss my father 's funeral due to them not giving me access to MY MONEY. I filed a fraud claim, I have continued to not be able to pay bills or pay for meds I have repeatedly been railroaded by every department in this bank. I have been discriminated the to my XXXX, refused STILL to allow me to get my money. im Broke, mad, and I want HELP. They also made a mortage I NEVER  applied for

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-01
Company: Experian Information Solutions 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:
Second request ... ..I received a call from XXXX and follow up email stating it could take up to 60 days for this error to be corrected. I am requesting CFPB notify the major credit agencies XXXX, XXXX, Experian, and XXXX who reduced my credit score from XXXX to XXXX in error. This error will have an effect on any major purchase I had planned in the month of XXXX. Hopefully, with your help this matter can be rectified asap.I will attach a letter from XXXX which does not state who they are going to notify and not a person to follow up with. 
Thank you again, 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 2019-02-04
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I wrote a verification letter to IC Systems in XX/XX/2018 and did not receive a response from them at all. I filed a dispute with XXXX XXXX as the account is not mine. I explained to them that I wrote a verification letter to IC Systems with no response from IC Systems. On multiple occasions without sending proof of verification, they ( XXXX ) claimed the account is verified accurate.

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 2020-06-24
Company: EQUIFAX, INC.
State: NC
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'm trying to get a small loan to make some renovations to my house but today XXXX/XXXX/2020 they ran my credit and they told me that I did not get approved because I had too many accounts in negative standing appearing on my credit report. I had no idea that there were accounts in negative standing on my report so I looked through it and I saw about ten accounts on my report that I never opened. The accounts are from companies that I have no written or verbal contract with ; I did benefit anything from these accounts that were opened in my name without my permission such as money, goods, services or any other benefit and I never made payments towards any of these accounts. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau. I have filed this report to the best of my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: Tower Loan of Mississippi, Inc.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Tower Loans has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2019-03-15
Company: EQUIFAX, INC.
State: MO
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 feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: Experian Information Solutions Inc.
State: MO
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  and Experian are reporting incorrectly a balance due on the XXXX - partial account number XXXX. These items were included in the Chapter XXXX BK. XXXX  is reporting this item correctly. This incorrect reporting is harming my credit score.

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 2023-01-21
Company: WELLS FARGO & COMPANY
State: CA
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 had a Wellsfargo checking and savings and a business credit card and had charges on those accounts without my knowledge. I received this info to file for the settlement.

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 2018-07-30
Company: Comerica
State: UT
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I receive Social Security monthly. Since I do not have a bank, Social Security recommended the XXXX XXXX card to have the money deposited on. On XX/XX/2018 an ATM withdrawal of {$300.00} plus atm fee of XXXX was deducted from my card at a XXXX in Washington State. I live in Utah. When I contacted XXXX XXXX they said they would review it an add the {$300.00} back on if fraudulent. They sent me a letter determining it was fraudulent, however, instead of adding {$300.00} they deducted an additional {$300.00}! I have called them no less than six times! Each time I was transferred to a supervisor and told to " wait '' as they had no way of taking care of this problem. It would just be taken care of within the system as they had already alerted their other department. I was told this on the XX/XX/XXXX!!! It is now the XX/XX/XXXX. I have no money for food or rent! I then went into the Social Security Office. They told me the money they sent to XXXX XXXX was sent back to them. They also said they would try to resend it. XXXX XXXX said they never returned the money. Social Security said NOT THEIR PROBLEM and to only talk to XXXX XXXX. XXXX XXXX knows nothing about returning the Soc Sec money back to Soc Sec and can not do anything about The now missing {$600.00} ( the initial theft and then the addition XXXX XXXX   deduction ). This whole scenario is convoluted and neither companies are willing to speak with each other or help me, so I am appealing to you. Again.. I have no funds available for food or rent!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have attempted to dispute what Experian is reporting regarding my credit history. It seems they are reporting conflicting information between summaries and my actual credit report. Also there was a significant drop in my credit score but the reporting doesn't indicate why. Experian does not have a way on it's website to either inquire or dispute an issue of this kind. Although the site 's FAQ says you can add a statement, there is no way to access a way to add the statement. When trying to call Experian to discuss the issue you have to wait an endless amount of time to reach service support. It seems the user experience was designed to avoid consumers from managing damaging information published by Experian.

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 2019-02-04
Company: TMX Finance LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX I got a title loan from XXXX aka ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX  {$1200.00} ( including {$33.00} Lien Filing Fee ). On XX/XX/XXXX I paid back the {$1200.00} principal plus {$90.00} on the XXXX  app which I believed was more than enough to cover the interest on a 6 day loan for less than {$1300.00}. After my payment is said I still owed {$220.00} due by XX/XX/XXXX. That would be a total of {$310.00} interest on a loan for less than {$1300.00}. That is more than 24 % interest for a 6 day loan on {$1200.00}. Is this legal? If not, how do I get what is fair paid back to me?

Company response to consumer: Closed with explanation