BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-16
Company: TRUIST FINANCIAL CORPORATION
State: NC
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:
On XXXX at about XXXX XXXX. I entered my location BB & T bank to get my money card activated for the bank to identify my as the cardholder. XXXX XXXX XXXX NMLS # XXXX was the one who refuse to help me with opening my account he made me so upset he caused me have an XXXX attack upon leaving. XXXX had to come to the bank where I was placed in the back of to give me XXXX and I also had extremely XXXX XXXX XXXX all due with these dealing with XXXX XXXX. And my card still didn't get activated. He made it point not to activate my card because he saw how frustrated I was becoming while trying to get him to talk to the cardholder of the XXXX XXXX that is afflicated with the BB & T branch. I feel this kind of treatment I received at this branch is very unprofessional this isn't my first interaction with this teller. He seems to be rude and disrespectful to me each time I visit this branch. This employer should be fired for the amount of distress I endured.

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 2018-12-21
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XXXX XXXX make it a practice to periodically check customer 's credit reports apparently. Then based on that they lower credit limits. I understand that they think this is necessary even if the customer has am excellent history with them which does not seem to matter. However, It is totally unethical to lower credit limits that are intentionally below a customer 's balance causing them purposefully to be over limit which intern they quite promptly report to the credit bureaus. When purchases were made they were made with the perception that the amount used was available at the time. These practices are not only unfair to the consumer they are unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: Waypoint Resource Group, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never know I have debt for XXXX XXXX in XX/XX/2014 for something I already done with XXXX XXXX in the pass why now they want to take money for me they send me in credit report when I try to call them they told me my name was writing wrong they have my same address they need to do better do try to steal people money bill for XX/XX/2014in never talk to me never send any bill Im just found in credit report chapter XXXX XXXX  some of them waypoint resource groupe. {$600.00} they said XX/XX/2014

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: EQUIFAX, INC.
State: MI
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I was trying to trade my XXXX at a XXXX dealership and I was told that as of XX/XX/2021 we can only br return to a XXXX dealership. They are not allowing anyone else except the lessee to make the payment. This is something new and is forcing consumers to be channeled only to the car manufacture dealership. Not allowing people to get out of there lease for another manufacture. This has to be ill eagle

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: HOVG, LLC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We keep getting recorded calls for someone who does not live here and is not known to us. We have called the number and explained that the person does not live here but the calls continue. This has been going on for months now. I do not have the name of the company but the calls come from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Since some XXXX put these chip readers in. Several stores readers using CREDIT CARDS refuse to process the cards without a pin number. If I use my pin then the XXXX at huntington charge me extra fee as a XXXX card when I plainly hit CREDIT on the terminal. This SCAM is no longer acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I opened a care credit account for dental work. The account was supposed to be interest free if the account was paid within the promotional period. I subsequently had additional dental work done, each with a new promotional period. Synchrony bank arbitrarily applied the payments to whatever promotion they wanted and paid off more recent activity prior to older activities. This action and deceptive practice threw the first promotion into expiration and I was subsequently charged over XXXX $ in back interest. I was not made aware of where synchrony was applying payments or given an opportunity to rectify the situation. Synchrony care credit is sets you up for programmed default then slams you with steep interest fees without even giving you the opportunity to know where your payments are being applied. They are deceptive, uncooperative and fall back on some boiler plate terms that in the end XXXX you over.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Convergent Resources, Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
In the debt collection agency receiving my account information, I set up autopay to get the account paid off in a timely manner. There have been multiple issues with them not taking scheduled authorized payments then taking multiple payments at once. XX/XX/2022 and XX/XX/2022 are around the dates these issues have happened. Being they took no payments in XXXX, I am having to pay the rest of the account in full.

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 2018-12-21
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened my Wells Fargo Business Checking account on XXXX in a local branch ( in North Carolina ). When opening the account, I registered with a {$500.00} new account promotion ( using a personal promotion code : XXXX ). The promotion required a {$2000.00} deposit / balance in the account for 60 days and 5 debit card transactions. The {$2000.00} deposit was posted on XXXX and the debit card transactions were processed on XX/XX/10. It has been more than 60 days since completing all required bonus terms. I have contacted Wells Fargo online support multiple times and they have been unwilling to assist. I have contacted my local Wells Fargo branch multiple times to drive resolution - each time I have been told I will receive a call back but never do. I filled out a " Missing Incentive '' form with a phone agent on XX/XX/10 and still have not received my {$500.00} bonus. I find it very misleading that Wells Fargo dangles these promotions to small businesses and then does not follow through, no matter how hard you try to get them to fulfill their obligation. I am happy to share a copy of the bonus terms with the CFPB or Wells Fargo ( uploaded as an attachment to this case ).

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 2021-07-01
Company: PNC Bank N.A.
State: NY
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:
review the accounts that appear on my credit report, without any authorization, they are harming me. 

Identity Theft XXXX  XXXX / XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft PNC BANK Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX. 
Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 
Identity Theft XXXX  Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
on XXXX XXXX, 2017, I received a letter from Key Bank closing our checking account for : your account relationship poses excessive risk to the bank. 
I had the same bank for over 43 years ; I have NEVER had any issues, such as over drafting or anything. 
When I received the letter I went to the bank and they informed me that : they or I can terminate the business relationship at any time without any explanations, thus, they dont need to provide me with any reason. 
That I was a great customer never had problems with me or I with them and " I 'm sorry is nothing that we can do ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX HE XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Ally Financial received payment from XXXX XXXX on a GAP claim in the amount of {$6500.00} on XX/XX/2018. It took them two full weeks to process the payment. Since I had been making payments during the very extended claim process with XXXX XXXX. The payment of {$6500.00} resulted in an over payment of {$2100.00} on the loan which should have been refunded to me. I have confirmed with XXXX XXXX and they stated the payment made to Ally Financial was from the date of loss and any over payment should have been refunded to me by Ally. The overpayment has not been sent back to XXXX XXXX. I have made multiple calls to Ally Financial regarding this matter but still have not received the refund or even an explanation of why the funds do not show as a positive balance on the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX $ XXXX Opened : XX/XX/XXXX XXXX $ XXXX Opened : XX/XX/XXXX XXXX XXXX $ XXXX Opened : 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
Consumer complaint received 2022-11-24
Company: Experian Information Solutions Inc.
State: OH
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 had fraudulent charges on a XXXX  credit card that I disputed with XXXX and they verbally agreed to reverse and then I closed the account because I had been trying to close unused cards I'd opened in the past in general, which they verbally said was no big deal. We had already paid for the charges with our autopay and so we also initiated a reverse of the charge from our banks side. 

Despite the verbal assurance from XXXX that the fraudulent charges were reversed, that wasn't true and I found out later that the autopay reversal we initiated triggered something internally for them. 

This is all over {$92.00}. Which I ended up paying, even though they are fraudulent, just because I have XXXX XXXX  kids and don't have the bandwidth to track something like this. 

Fast forward a few weeks and we are buying a new car and I get denied for one of the lenders because of {$92.00} THAT I ALREADY PAID EVEN THOUGH IT WAS FRAUDULENT. 

And I'm here now submitting this complaint because I disputed with all XXXX credit agencies and my disputes have been denied. 

I paid the {$92.00}!!! And now my score is XXXX for the first time since college probably for this stupidity. 

I will take XXXX to court if I can because this incenses 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 explanation
Consumer complaint received 2023-08-18
Company: TRUSTMARK CORPORATION
State: MS
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:
OVER CHARGING CHECKING ACCOUNT THAT WAS NEVER USED. FOUR ( 4 ) SENIOR VP 'S WHERE ALL TOLD TO CLOSE THIS CHECKING ACCT & TO DEPOSIT EMPLOYEE BENEFIT FUNDS INTO A XXXX ACCOUNT NOT A CHECKING ACCOUNT THAT EMPLOYEE BENEFIT DEPARTMENT TOLD ME TO OPEN. I HAD JUST HAD XXXX XXXX & OVER XXXX XXXX. MY CHURCH WAS HANDLING EVERYTHING BECAUSE I WAS TO ILL. 
I TOLD ATTORNEY & EVERYONE THIS BUT THEY HAVE CONTINUED HARASSING ME.. {$1200.00} OF BANK FEES IS STEALUNG. TRUSTMARK ATTORNEY ISSUED WRIT IF GARNISHMENT ON MY PART-TIME NON PROFIT JOB LAST MONTHFI FOR THIS. I HAVENT BEEN ABLE TO PAY MY RENT, GROCERIES & MY MEDICATION SINCE. THIS IS HARASSMENT ON A VULNERABLE 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 2021-07-16
Company: ENCORE CAPITAL GROUP INC.
State: NY
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:
These accounts don't belong to me. Please remove them from all XXXX credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft XXXX Date of inquiry : XXXX  This is not mine.

2. Identity Theft XXXX Date of inquiry : XXXX This is not mine.

3. Identity Theft XXXX Date of inquiry : XXXX This is not mine.

4. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX  This is not mine.

5. Identity Theft XXXX Date of inquiry : XXXX This is not mine.

6. Identity Theft 01 XXXX XXXX XXXX Account Number : XXXX  This is not mine.

7. Identity Theft 01 XXXX XXXX XXXX Account Number : XXXX  This is not mine.

8. Identity Theft XXXX Date of inquiry : XXXX This is not mine.

9. Identity Theft XXXX XXXX Date of inquiry : XXXX This is not mine.

10. Identity Theft XXXX XXXX  Date of inquiry : XXXX This is not mine.

11. Identity Theft XXXX XXXX XXXX  Date of inquiry : XXXX This is not mine.

12. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX This is not mine.

13. Identity Theft XXXX Date of inquiry : XXXX  This is not mine.

14. Identity Theft XXXX Account Number : XXXX  This is not mine.

15. Identity Theft XXXX Account Number : XXXX This is not mine.

16. Identity Theft MIDLANDCRE Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX filed ftc on all XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$13000.00} past due as of XX/XX/2020. 
Account TypeCollection Balance {$13000.00} Date OpenedXXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$18000.00} past due as of XX/XX/2020. 
Account TypeCollection Balance {$18000.00} Date OpenedXXXX Dispute Revolving Accountsshow tooltip button XXXX XXXX   XXXX potentially negative icon Potentially Negative StatusClosed. 
Account TypeCharge Card Balance {$850.00} Date OpenedXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My card has been declined many times over the past month, and all my payments being held ( for security purposes ). When I check the account online, the balance is XXXX, and card declined. I have accepted this for a while and have used other credit or debit cards, but today my daughter who is XXXX had the card declined at a gas station and had to wait for 1 hour and 40 minutes until I was able to get Citi Card to clear the payments made 12 days ago ( on XXXX XXXX.Today is XX/XX/XXXX ). Two of the attendees just hang up on me, and the third one connected me to my checking account bank to verify the payments. While on the phone, XXXX XXXX  explained that it is Citis responsibility to get the payment, which happened only on the XXXX of XXXX, and cleared only yesterday, the XXXX of XXXX. Despite all the bureaucracy that seems to involve a simple payment made over the Citis app, even after Citis supervisor say that the payment was only cleared on XX/XX/XXXX, my daughter was still shooting me desperate text messages, because it was very embarrassing to have to wait at the gas station for the card to work at her lunch time, which was only 1 hour. She had to call up a friend who came to lend her money because Citi couldn't take care of the " problem '' right away. 
Is unacceptable to me as a client that I have my purchases declined at cashiers, that my daughter goes through this situation, that my money is being held at no interest, not even respect, for weeks. All I was told after all, was that they apologize for the inconvenience. 
My conclusion was that if I cant rely on a credit card, it becomes useless, I decided to close the account. When asked the attendant about the miles I have on it, she said she couldn't anything about it. 
Money cost money. I have had over 7k held by this financial institution for no cost, and am disgusted by it. This situation should really be reviewed by who can respect and defend the costumerrights.

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 2023-08-19
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
The NC State Employees Credit Union experienced some kind of fraud with several XXXX XXXX accounts across the state and had to shut down for several hours according to them and they took money from some of my associated accounts to handle their fraudulent debits from whoever hacked their bank

Company response to consumer: Closed with explanation