BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-13
Company: Experian Information Solutions 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-06-08
Company: SANDY SPRING BANCORP, INC.
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened an high savings account with Sandy Spring Bank. I applied for the account online and spoke with their security division prior to them approving and opening the account. The initial deposit from another bank was completed on XX/XX/2023. I have attempted to receive online access on multiple occasions. On XXXX, I spoke with their Client Center who stated that I needed to present myself to a physical branch location to be able to set up online access. I inquired on how I might be able to access my money and again was told that the only recourse was going to a physical branch location. I would have set up this account, nor would I have allowed the transfer of funds from another financial institution. Further, I am concerned about the security practices of Sandy Spring. If there was a need to confirm my identity or provide additional information, shouldn't that have been done prior to them opening the account and moving my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-03
Company: Century Credit & Collections, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Today, XX/XX/2020, I received a letter from Century Credit & Collections , LLC. This is the first time I have received a letter with my daughters name attached. It states false information. I called the company and spoke to XXXX XXXX who wrote the letter, she has always been nasty and mean to me in the past so when she knows its me she automatically is rude and careless about my concerns, her tone of voice and rudeness has proven she does not like me. I explained to her this is the first time with my daughters name attached she said oh yes, you have several accounts in collections with us explaining mine and now my daughters, so she combined her bills with mine and she said the amount and I stated no my daughter has a primary insurance and secondary and I have provided anything the union has asked for, she cuts me off and stated it doesnt matter that they are a third party company and she doesnt discuss insurance I said no insurance will pay she said too bad that this will be reported and it will damage my credit report. I told her I dont care ( because Im Upset, shes always rude and mean to me always threatening me ) and I know where to file a claim and she hangs up on me. I called back requesting to speak to the manager and she said she was and I said ok well you have issues and I will need to go above her because she would not allow me to leave a complaint, and she said she doesnt care and that she will notate that on my account and hung up on me again. 

Back to the union, every-time I spoke to the union they said all bills have been paid. This is the first I am aware this bill went to collection ( for my daughter. ) all my daughters bills have always been covered. I have emails correspondence with the union for any documents they request in order to cover my daughter. All her other well baby check ups have been covered I dont understand why this one is now reporting incorrectly and is damaging my credit.

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 2023-07-05
Company: Carter-Young, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXXXXXX XXXX I was notified by Carter-Young Inc. ( company representative XXXX XXXX ) that I have a debt collection from XXXX Before that, I received only one call on XX/XX/XXXX, but I could not respond due to travel. I have NOT received any communication from the debt collection agency or the original creditor about the supposed debt since the first delinquency date of XX/XX/XXXX ( this is what is stated on my credit report as of now ). 
On XX/XX/XXXXXXXX XXXX  I sent a written request to the debt collection agency asking to verify the debt ( please, see the attachment with proof of mailing ). I asked to show the original contract and explain what caused my obligation to pay the debt. Moreover, the company representative, XXXX XXXX, on XX/XX/XXXX phone call mentioned that the company used my SSN to verify the debt. I asked to explain how they could do that if I only arrived in the United States on XX/XX/XXXX for the first time and was issued SSN later. This is four months after my credit reports claimed delinquency date ( XX/XX/XXXX XXXX  ). It has been one month, and I have NOT received any response from them. 
I believe my consumer rights were violated in several ways : - The debt collection was reported to the major credit bureaus without informing and verifying the debt with me first. I have NOT received any communication/calls from the debt collection agency or original creditor before XX/XX/XXXX. The collection was reported to credit bureaus on XX/XX/XXXXXXXX 
- The collection agency has failed to prove the debt within a reasonable time frame ( 1 month ). My request for verifying documentation was not addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
PNC completed their takeover of XXXX in XX/XX/2021. Since then, their online banking service has become erratic, and now I have been unable to access my funds for the last two weeks. I went to the branch-they could not assist me, but did submit an internal complaint, telling me I should expect an answer in 3-4 working days. They called in 3 days when we were not home. They left a call-back number which no one answers.so much for customer response I still can not log into my account and still get an error message advising to try using another browser, which implies the largest US browser XXXX XXXX XXXX XXXX has somehow become incompatible with their system. They also list a help number, XXXX, which has a prerecorded message of " higher than normal call volume and minimum wait of 20 minutes ''. I tried waiting for 37 minutes before giving up on their wonderful customer service. 
I was able to log into a text box on their web site, actually able to talk to a live person. She told me their servers were down as why I could not access my account and simply try in an hour. Male bovine excretion is still XXXX*, and my trying again gave the same result. But even the most weak-bladdered bed wetter in their IT department should have found the bug in two weeks if that was indeed a valid cause, but I doubt it was. Totally frustrated and need to pay some bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Exeter Finance Corp.
State: VA
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 Exeter Finance has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish my account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09
Company: DISCOVER BANK
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I decided to refinance my student loans with Discover to save on some interest as I was getting a lower rate with another service provider. 
My loan was paid off at Discover on XX/XX/2018 and there was an excess payment of more than {$3000.00} on the account. 
One week later, on XX/XX/2018, I contacted Discover to find out about the status of my refund due to the overpayment. 
I talked to the customer service representative and her supervisor and I was told Discover has a right to hold onto the payment for upto 45 days. They are really busy with processing thousands of student loans so they can not verify the payments have been applied to my account accurately. In about 45 days, they will mail out a check which will take another 7-10 business days for me to get my money back. They have a right to hold onto my money ( they gave me an exact amount {$3300.00} ) as they look to verify all closing details. If they have the exact amount of refund owed, that means the payment have been posted already. I never had a late payment on my account and no payments have been missed ever on the student loan. But they still want to ensure that ' no extra unknown charge ' pops up on my account in this timeframe I think it is a really unfair practice that it takes them upto 45 days to post my payments accurately and they have a right to hold onto my money for that long. I am accruing interest on the refinanced loan while Discover decides to hold onto my money for close to two months and not doing their job in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
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:
I strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my account. It is crucial that you promptly eliminate this incorrect account from my record.

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 2022-12-09
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXX is reporting I owe them a total amount of XXXX dollars. After numerous attempts to contact the agency and ask for debt verification and debt validation as well as a sign contract with this agency ( which they were unable to provide ) but instead sent a bill from XXXX. I have reached out to the credit agencies and I am not getting any responses to the discrepancies on my credit reports are reporting inaccurate information as I have never had an account or signed contract with this company. 

This account has come back verified but what actual proof did they verify because they still did not provide a contract I have specifically with this company. I reached out to this company over 30 days ago and have yet to receive a response from anyone.

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 2022-01-25
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Within the dates of XXXX XXXX I applied for a balance transfer with Wellsfargo Bank , due to a promotion. This balance transfer was to transfer the amount from my home bank to Wellsfargo, in return Wellsfargo would send the approved amount to my home bank and I would be left with the only the bill for Wellsfargo. My application was accepted. Within a month, no amount of money was transferred to my external account to pay off the other debt. Since XXXX, I have ben left with a bill from Wellsfargo to pay off the new credit, while still paying off my original balance at my home bank. It has been 3 months since the acceptance of the application. My home bank has no knowledge of a check/ ACH transfer/ etc coming from Wellsfargo. Wellsfargo keeps concluding " research ' that it was sent but can not confirm with me which bank/ account it was sent to. I have sent numerous documents and screenshots of my bank statements dating back to the beginning of XXXX, time late XXXX. I have not received any news. I still do not see any transfers into my home account and i still have a bill wellsfargo.

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 2023-07-05
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received this letter on XX/XX/23 stated credit reporting notice in the amount of XXXX the original creditor is Syncrony bank and I didnt take out a loan for that amount with that bank. I called the toll free number that was provided and they told me I am a co borrower I asked for the documents and they refused. This is not my debt and I need help with getting this resolved.

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 2022-12-09
Company: The CBE Group, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company calls everyday and hangs up when I say Hello. I have multiple recordings. When I called them back, the company they're looking for is not mine. They are looking for a company called Certified by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
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:
Kohl 's credit card. When I called and paid the credit card. Kohl 's repeated turning me into the credit bureau twice after payments were made. After I leave here I am driving to Kohl 's department store and paying the card completely off. I paid the card over the phone and the report still says I owe {$83.00} dollars. I am taking a {$100.00} dollar bill to Kohl 's and then I will owe nothing. Inaccurate reporting. I tried to dispute this with Kohl 's and No solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: Experian Information Solutions Inc.
State: TN
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 got scammed by XXXX XXXX XXXX, they used the co-signer scam on me and took advantage of my naive position as an immigrant that doesn't know anything about how things work and the fact that I had good credit and they just wanted to sell a car no matter what. They made the co-signer scam by telling the person I was just accompanying that he didn't qualify on his own for financing and said that since I had a relationship with him they suggested me to co-sign for him, they lied to me assuring me that In was only signing as a reference to help him be able to get a loan and have the car with better interest and better price. But this is of course FALSE!, this was repeated by another finance manager when I tried to XXXX the car, she said they ( XXXX XXXX ) couldn't get to me for money because he was the principal not me, it was until months after that I realized of the scam and lies, when the lender ( XXXX XXXX ) called me to explain I was equally responsible for paying the debt. The debt on the loan is now {$22000.00} with {$2200.00} in late payments. 

I accompanied my boyfriend and roommate at the time XXXX XXXX XXXX, to buy a car at XXXX XXXX XXXX. I just went with him as a company but when he applied the finance manager told him that he didn't qualify and that he needed a co-signer, they asked about what was our relationship and proceeded to tell me I could co-sign for him and that I was only signing as a reference to help, no one explained to me what co-signing meant and I am an immigrant and I do not know anything about that. No body told me I was going to be responsible for paying if we didn't and that I had to rights to the car. Once I realized XXXX XXXX XXXX was a con artist I tried to take the car back to the dealership, only to be told by XXXX XXXX another financial manager at that dealership that they could not come to me for money because he was the principal and I now know that is not true, she lied to me. I lend him the down payment money which he paid in full to gain my trust, he said he would pay the car once he got the inheritance money from his mother 's death and that was all a lie.

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 2022-12-09
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:
For the company to do what is fair and equitable to me as a consumer by deleting the items identified as Identity Theft from my consumer report.

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 2022-12-09
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/XXXX I received an email from XXXX stating : XXXX has identified a change in your credit information. This could be the result of a new inquiry, line of credit or a change to an existing account. 

I then requested a credit report through XXXX to review my credit history. I noticed that the new account in question was for an Home Depot credit card that was open on XX/XX/XXXX with a balance of {$2900.00}. 

I contacted XXXX and requested a dispute. I contacted Home Depot to close this account and conduct a fraud investigation on XX/XX/XXXX. I also alerted the XXXX XXXX team to notify them that this was indeed fraud and request a security alert be added to my account so that I would be notified if any new attempts to open account happened.

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 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/ I tried to contact transunion and they were closed I want my account information updated on my line of credit My account balance is XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-17
Company: EQUIFAX, INC.
State: TX
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:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint with the CFPB regarding unauthorized inquiries on my credit report. These inquiries, which are reported on my credit report from [ name of credit bureau ], do not reflect any activity by me. 

The following inquiries have been reported on my credit report without my knowledge or consent : [ XXXX, XX/XX/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 XX/XX/XXXX XXXX XXXX, XX/XX/XXXX ] These inquiries have caused me financial harm, as they have negatively impacted my credit score, which affects my ability to obtain credit and other financial services. 

I am asking the CFPB to investigate this matter and take appropriate action in accordance with the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. I request that the unauthorized inquiries be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
XXXX XXXX charged my card an unauthorized amount of {$210.00} on XX/XX/2023. 

I disputed this charge with Bank of America on XX/XX/2023. 

XXXX XXXX said they accepted the dispute claim that Bank of America sent them on XX/XX/2023 and provided a sequence number of XXXX. Bank of America said they never received it and my money is not back in my account. Ive been calling both companies for answers and they just keep putting it on the other company. XXXX of these companies have my money and will not return what is rightfully mine. 

I need my money and Bank of America is supposed to be protecting my funds and instead they are gold ing it with my consent. Or XXXX XXXX is lying about sending my money back. I dont know but they both are not being straight and someone is lying. A dispute should not take this long especially when the merchant claims to have sent back the money to the bank.

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