BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-06
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I havent officially complained about this issue yet, but only because I cant get through to Santander Bank. Im XXXX and when I call their XXXX   line, Im on hold forever until it finally just disconnects. I tried calling their main number using a  XXXX  service but the representatives are either hanging up on me or Im getting disconnected with them as well. So my complaint is this ... I have two erroneous charges on my debit card. They appear to be atm withdrawals. There are also some atm fees. Im attaching a screenshot of the unauthorized ATM charges. Please open a dispute claim for these and send me a new debit card.

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 2017-12-29
Company: Social Finance, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Student Loan ReFi ( # XXXX ) Unfortunately, I was dissatisfied for the following reason.They lured me into applying for a loan. I submitted basic information including my SSN # and they prequalified me. I submitted more information to conclude the process. At the last minute, they declined the offer. What about the -25 point hit my credit score took?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-06
Company: Netspend Corporation
State: AZ
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:
On XX/XX/2018 at XXXX XXXX  MST I received an Alert to my Text Messages from Netspend Credit Card stating suspicious activity on my account and so I immediately called it using my PIN. at the same time 3 separate transactions were taking place. At around XXXX XXXX I got the rep on the phone an we went thru the process to identify me and completed that once that was done the payment that caused the alerts started to process thru my account {$10.00}, {$200.00}, {$1100.00}. she was able to stop the {$200.00}, but not the {$10.00} and {$11000.00} as the block was removed at XXXX XXXX. This Netspend company did not stop these transactions even after I said they were not me ... .I was provided the PIN the unauthorized user used which was XXXX which is the last 4 of  the card NOT the PIN. The funds or transactions were actually ok 'd and  my account was deducted. I explained this is my Rent and i need my money as this was there ERROR releasing the information. I was told it would Escalated and Disputed was it processed. I attempted to call XXXX XXXX XXXX where the purchases took place as well, and was told I would need to Dispute with Credit Card company. I have requested this is am XXXX XXXX an email advising of the Dispute requested and I was told they could not provide this information. I need this information to provide to my Rent Provider to make them aware ... I was told it takes 10 days for this to be Disputed ... I have been met with unsatisfactory service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: Experian Information Solutions Inc.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-12-12
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Dear Sir/Madam, Sub : TD denied my {$500.00} bonus and gave evolving reasons. 

I opened checking and savings accounts with TD bank USA in XX/XX/2021 and met all the terms and conditions for {$500.00} bonus but TD bank didn't credit me the bonus. They gave me a variety of changing reasons to deny bonus. All along in past months, I kept requesting to confirm my bonus eligibility but never got a straight answer. I filed complaint but the management didn't make any attempt to help. They kept telling different and changing reasons and apologized for poor customer service and also acknowledged that they need to groom their team but their apology didn't do any good to me. All the conversation with them is documented in secure messaging and mails. Disappointed, I ultimately put my account closing request to them yesterday. But I thought that this has to be reported so that no other customers have to go through this. 
If you could help with this, it would be great. 

Thanks in advance & warm regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12
Company: CURO Intermediate Holdings
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have tried to pay off the loan numerous times for a settlement amount and customer service says they cant do it and they transfer me to the collections department. I talk to collections and they say I have to speak with the origination department. Basically they give me the run around and kept charging me interest. Collection agency says Speedy Cash doesnt want a settlement amount they want the entire amount which is the outrageous interest charges that I tried to prevent when they gave me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXXXXXX 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 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 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 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.

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 2021-12-12
Company: Paypal Holdings, Inc
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
To Whomever this may concern, My name is XXXX XXXX and I run a family owned fashion brand on XXXX. We decided it would be a good idea to use paypal as a payment processor for our sales. In the beginning, we had some issues with paypal due to it being a brand new account so we were on the phone with them 3-4x a week verifying tracking # 's and other business info to prove our legitimacy etc. We provided them with all of the information that was needed by them. It was going so well with them, and so was our business. Black Friday and Cyber Monday is the busiest time of the year for us so there was a high amount of transactions/orders. We roughly processed around XXXX with them. Right after Black Friday was over, Paypal has held around XXXX of our funds ( 180 days ) and we need this to pay our employees, pay for ad spend, and other overhead costs. I spoke to XXXX and she reassured me everything was perfect on their side after providing them all of the documentations they asked for ( before the 180 day hold ). I called paypal the day the limitation hit our account and the rep said he could not give us any info. The least we can get is an explanation. This is really hurting our business. We need that XXXX back. I am very disappointed and plan on taking legal action. 

Then, out of nowhere

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666 b A Creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason...

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 2021-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
my rights have been violated according to the FDCPA, 15 usc 1692. As the original creditor and natural person i did not give this company permission to report any of my personal information to any consumer reporting agencies. According to 15 usc 1692d ( a ) ( 2 ), a company can not report anything negative to my consumer report that will ruin my reputation. The FCRA, 15 usc 1681, states our consumer reports represent us. Also, according to 15 usc 1692e this alleged debt is false and misleading.

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 2017-12-29
Company: Experian Information Solutions Inc.
State: FL
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:
The credit bureau is refusing to delete three collection accounts on my report that are not mine. They are all reporting under the same collection company called " XXXX XXXX XXXX '' for different amounts. The first account is for {$1100.00} with account number # XXXX and an open date of XX/XX/XXXX. The second account is for {$1400.00} with account number # XXXX and an open date of XX/XX/XXXX. The third account is for {$2500.00} with account number # XXXX and an open date of XX/XX/XXXX. I have spoken to representatives at this XXXX XXXX company and the records that they have do not match my personal information. I was directed to dispute these errors with the credit bureau to have them deleted from my credit but the credit bureau is coming back telling me that I need to contact them back. I am being given the runaround when the issue is really with the credit bureau who does not want to fix their mistake.

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 2023-07-19
Company: Paramount GR Holdings, LLC
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:
I received a credit report notification from XXXX. Upon downloading my report, I found a fraudulent personal loan on my account that was issued by GoodLeap LLC for which I have no knowledge of. Upon calling Goodleap and providing my name, they assured me that there is no personal loan under my name and that I should have XXXX and XXXX contact them to remove the account from my credit report. I disputed this account with XXXX and they said that this loan information came back as accurate with someone named XXXX XXXX ( under the impersonator address XXXX XXXX XXXX XXXX XXXX, CA XXXX ) opening a joint account at Goodleap that has some association to my name I would like to file a police report of fraudulent activity and note that my identify may have been stolen and fraudulently used to issue a personal loan to someone who I do not know and have no association with

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was made aware that a ruling was made against Wells Fargo for Mortgages between the years of XXXX and XXXX for changing terms, etc, etc and had to pay back consumers for mishandling of accounts. I had a mortgage with Wells Fargo between the years of XXXX and XXXX and have not received notification on this and my email and contact information has since changed. I am checking to find out more information on how to find out if i qualify for damage payments.

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 2017-11-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
FromXX/XX/XXXX To XX/XX/XXXX I wasXX/XX/XXXX in XXXX XXXX XXXX California. All charges/purchases/withdrawals/activity on my debit cards and my credit cards. Including my Kohls credit card. I did n't make my first purchase untilXX/XX/XXXX I did not spend nor authorize Anyone to have control over my cards while I was in the XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax has a continued issue with my credit report. I can not unlock my credit report because they continue to not update my validation date. Even when I sent what they requested via a complain to update any and all invalid data with proof via the CFPB complaint system.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: PNC Bank N.A.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Reference : XXXX previous complaint against PNC Bank I just received notification that PNC Bank needs more time to investigate this complaint. 
As I stated before, no warning was given, and I had less than 30 days, after receiving numerous letters concerning closures of all my accounts. I don't accept PNC 's delay of needing mire time to resolve the problem. 

Update : Item 1 ) My Fico Scores with PNC were kept very low of {$800.00} for several months, while I had outstanding accounts and no late payments. While another Bank, where I only had a Credit Card, its Fico Score was XXXX. 

Item 2 ) I was not offered Disputes several times. Item 2a ) P
NC 's Executive Office interfered, trying to cancel my Credit Card and mail me a new one within 5 ( five days ). Since pending purchases, I didn't accept their offer, but took care of the dispute myself within 2 ( two ) hours.

Item 2b ) XXXX XXXX debited my Credit Account by mistake, however, deleted the charge a couple of hours later. Informed a Ms. XXXX about the error, however, she told me that the " merchant had been paid '', and the " charge '' was obviously passed on as as the charge. 
Item 2c ) I also made Ms.XXXX aware of a mistake in her letter, and I was assured that a corrected letter was to be sent to me. As today, XX/XX/XXXX, I never received this promised and corrected letter. 

New Item of complaint : Item 3 ) I have been unable to log on to PNC Bank lately, trying to retrieve payments made and being considered as deductions for Income Tax purposes, which I would require to file at the beginning of XXXX for the current year of XXXX. 

Summary : PNC Bank failed numerous times by making mistakes and shortcomings, which I have given its Customer Service including its Corporate Office, and I felt very offended, the way I had been treated with the " thanks for your help '' and closing all of accounts in good standing. 
Giving me the less than 30 days I had ( due to the postal delivery ), I do expect PNC not to give them more time ( 60 days ) to complete its 'investigation ''. 

submitted by XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-12
Company: SYNCHRONY FINANCIAL
State: GA
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:
Sychrony Financial has placed an unauthorized hard inquiry on my XXXX Credit Report. The inquiry was placed on XX/XX/2020. I didn't authorize this inquiry. I previously complained regarding this matter and they claimed they couldn't locate the inquiry so I emailed them the screenshot of their hard inquiry on my XXXX Credit Report as a response to their email from the office of the president. They still have yet to respond or remove the inquiry although a screenshot of the inquiry has been provided to them.

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 2021-12-12
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)—
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
NYS department of higher education has discharged my student loan, once i attempted to return to college at XXXX XXXX  I was reported to nslds for obtaining a student loan with the intention of discharging another loan, that is not true. 

XXXX sent word to XXXX university that I am not eligible to receive federal student loans and that improper information blocked my ability to obtain my bachelors degree and hindering my quality of life. According to federal student aid the loan was discharged and I am not in fault and am eligible for othe loan. I demand that XXXX remove the hold off my record and allow XXXX XXXX  to disburse my student loans, asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: MoneyLion Inc.
State: CA
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 closed this account in XX/XX/XXXX after multiple refusals to allow me to change my payment method. There only was I was allowed to make payments on my loan was via my closed XXXX XXXX XXXX account. 

As of XX/XX/XXXX, they have continued to change information making it worse for my credit every time. 

I feel I should not have negative credit impact for an account I attempted to pay and was not allowed to. I've disputed this with all 3 credit agencies and they just take the company 's word over mine. 

I am listed as having derogatory payments and having my amount closed via settlement. AMD while these things are technically true, it was via fraud on the company 's part.

Company response to consumer: Closed with explanation