BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-07
Company: PNC Bank N.A.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Hello, In an emergency a few years ago I ordered checks through my bank, PNC, and it wound up costing almost {$40.00}. I ate it at the time because it was an emergency and I did n't have much of a choice. When I went to my bank to ask if there was any way to get simple basic checks at a low cost or preferably free since it 's a service that should be offered to customers for free ( I did not realize you have to spend money to spend money as well ) and the marginal cost of checks has to be very low for a bank. They lied through their teeth. First the representative claims to me that there was no shipping on these checks and they cost between $ XXXX-XXXX. Then he proceeds to sell me on a higher fee account on claims that there would be a heavy discount on ordering checks. I made it through to the checkout portion only to find he had lied to me about shipping costs and in fact an new order of checks did cost between XXXX-XXXX dollars. And if I recall correctly it took forever to arrive a few years ago. To make matters worse he told me I was not allowed to order checks through anyone else but the third party PNC chose. Oh and the kicker he got me to abandon a no fee grandfathered account here. PNC are a bunch of crooks. I have little hope that this will do anything because of how cozy the administration is with the financial sector but hopefully posting this publicly will get more people aware of the shady practices of even the most " respectable '' banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: CITIBANK, N.A.
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
The basis of this complaint is that Citi credit card did not proceed with a dispute against fraudulent transaction I had through XXXX but ultimately paid for with the Citi card. I provided information to Citi after searching this scam and is now a very prevalent scam but Citi still refused to even process the dispute. I will detail the situation in greater detail below but the general scam is to send a 2 cent plastic piece to say sent the item versus sending the item paid for. Due to this and technically the basis for dispute is the incorrect item was sent but this is the basis they rejected. 

I ordered XXXX XXXX XXXX  on from XXXX  and my credit card was charged {$52.00} by XXXX. I did not receive any order confirmation except of XXXX receipt and then shipping notification with tracking info. On XX/XX/XXXX instead of the XXXX XXXX XXXX XXXX XXXX I received a tiny package with a piece of plastic/button inside ( the same tracking number which was in XXXX system, photo is attached ). After filing a dispute via XXXX the seller stated that I must return this piece of plastic to XXXX although their website provided a Florida address but it was necessary to send it to XXXX to get a refund. The seller 's web site shows the same return shipping address in Florida and also has US phone number which is actually out of service. I searched on the Internet and found out that other people who bought from this web site were scammed the same way - ordered expensive items and received pieces of plastic instead. The name on the web site does not match the name in XXXX XXXX ( Return Policy and order information with the seller 's info are attached ). 

This is information on the website : Send all returns to : XXXX XXXX XXXX, XXXX, FL XXXX, United States. 
Recipient : XXXX XXXX XXXX Email : XXXX Phone : XXXX This is seller 's info in XXXX XXXX : Seller info XXXX Return shipping address 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 explanation
Consumer complaint received 2023-01-03
Company: Block, Inc.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2022 cashe did not dispense from the ATM XXXX the company yet to refund me for the inconveniences of the ATM. Would like interest

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: Advanced Resolution Services Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am having a problem with Advanced Resolution Services INC. they will not provided me proof of verification of a Bankruptcy Chapter XXXX on my public records. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) and Bankruptcy Court you are required by federal law to Verify-through the physical verification of the original signed consumer contract-any and all accounts you post on my credit report. I demand to see Verifiable Proof ( an Original Consumer Contract with my Signature on it ) you have on file of the accounts on my public records. I have enclosed a copy of the method of verification letter that was sent to Advanced Resolution Services Inc. as well as a letter from the Illinois Federal Bankruptcy Court stating they do not give any information to any third party Advanced Resolution Services INC. Also my Social Security Number is not listed as well as my address is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: Experian Information Solutions Inc.
State: NV
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:
Derogatory accusations including ALLEGED INQUIRIES must be Metro 2 compliant to retain or report so delete these not physically with proof of permissible purpose from the exactly and legally identified as me. I did not authorize you to report not proven compliant information and you must comply.. Delete inquiries made by 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 explanation
Consumer complaint received 2019-02-24
Company: BB&T CORPORATION
State: AR
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2016 I sold my side by side! I was givin a check witch was approve by XXXX XXXX The check was sent to them for the payoff witch was $ XXXXI got a receipt the the side by side was payed in full.Now they are trying to tell me I owe them {$13000.00} and are steadily adding interest.This has caused me a lot of stress.I wasnt able to get my XXXX XXXX refinanced.

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 2019-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 account doesn't belong to me.. Transunion report it multiple times on my credit report which makes it worse ... I disputed the accounts with Transunion for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. All government funded student loans should not be reported on a credit report, this is a clear violation of the FCRA..IThe error is preventing me from obtaining credit. CFPB please step up and delete this ASAP

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 2020-09-02
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I was able to get the payments lowered. However, I had lost my job after separating from my spouse leaving me having to get an apartment for my children and myself. I contacted the company with this information that I did not have any incoming money to make payments at that time. I had enough money to pay rent by using my 401k. Then COVID-19 happened and I didnt start work right away. When the divorce was finalized and my lawyer was paid and the house was sold, I went to pay off the card and it no longer showed up for payment. I did not receive any letter indicating the account was sent to collections or the card company was going to send to collections of payment was not received. Now there is a derogatory indicator on my credit report because of the card company failing to work with me in my situation. I planned on paying off the card once the funds were available from the house sale. Therefore ; the information is poorly reported by the card company. At the most a negative report but not derogatory. I didnt refuse to pay I just could t pay at that time. The company was aware of this respectfully.

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 2017-12-21
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am disputing the balance of XXXX on my XXXX credit card acct. Balance is very high and I have found multiple errors on my last billing statement alone, to be very concerned about the handling of my acct, to date. I have sent in overpayments on purchases too and no one seems to " know '' where money went. 
XXXX XXXX XXXX creadit card .... REFUSES to address my overcharges of items and added postage on my XXXX charge account. Company continues to give the EXCUSE " we can not see what original charges and they WILL NOT send me a representative name and a fax number, so I CAN SENT THEM A COPY of my account history, to review charges for errors on my acct. It is very clear that there has been mismanagement of my account over months now. 
I am disputing the account balance with XXXX customer ser. and bank, both companies are not working with me to address my over charges and both companies have been reported to the Better Business Bureau. 
** I am still waiting for a final response from Better Business Bureau Florida on XXXX customer service with their companies final response as to what they are willing to do to help me resolve this issue. 
** '' I just want to pay this card off and get these companies out if my life. I however will not continue to pay in an acct, that I am getting over charges on. 
***history OF ATTEMPTS to resolve attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: Sequium Asset Solutions, LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is regarding the account I had with XXXX XXXX XXXX XXXX, account # XXXX. My regular monthly billing for the internet service was {$30.00} which I paid diligently. One fine month my bill increased by {$55.00} to a total of Appx. {$87.00} ( just for internet service! ) without any contract notification to me. I called them to rectify the ghost billing, and they said that there is now increase to my billing amount ( without notifying me and giving me the opportunity not to renew their services with them ) and that I had to pay that extra amount. I disagreed to that and Paid them the {$30.00} that I was actually obligated to pay. I also cancelled their services and returned their equipment to the nearest service center I had three phone calls with XXXX XXXX XXXX to resolve this. I also notified them on 2 separate call that I was also receiving separate ghost billing with a different name ( XXXX XXXX ) to my mailing address. XXXX XXXX XXXX acknowledged that it was a case of fraudulent identity theft. 

XXXX XXXX XXXX did not rectify the ghost billing. They sent the {$55.00} amount to a collection agency called SEQUIUM ASSET SOLUTIONS, ( XXXX ) XXXX who did not notify me of any collection via Mail, but placed a claim notification with XXXX. Now my credit score is negatively impacted for no fault of my own. 

I want to lodge formal complaint against XXXX XXXX XXXX XXXX and Sequium asset, for harassing me for bills that I do not owe. They need to be penalized for creating undue financial misery.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: Santander Consumer USA Holdings Inc.
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On XX/XX/XXXX, a car I financed in XXXX, XXXX through Chrysler Capital was illegally repossessed. 

Points of concern : 1. The repossession firm indicates XXXX didnt initiate the repossession, but after the tow truck driver picked up my car based on what he referred to as a hot hit, he ( XXXX with XXXX XXXX ) stated Chrysler agreed to begin repossession proceedings due to a late payment. 

2. A notice of right to cure default was never sent. 

3. A notice of repossession was never sent. 

4. I was not given an opportunity to correct the defaulted payment amount and car was sent to auction without my knowledge or consent. 

5. As of today, XX/XX/XXXX, I have received no communication from Chrysler Capital in form of mailing or telephone contact. My on, one account indicates nothing regarding a repossession. 

6. The repossession agent is not properly licensed in Colorado. Hes been told to not trespass on my landlords property previously, but continues to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I recently requested my free annual credit report from Experian using the mail-in form provided at XXXX. Instead of sending me my report, Experian sent a letter ( dated XX/XX/19 ) requesting additional information be sent to them ( photocopies of government issued ID, bill/statement, etc. ). However, there was no information in the letter on where to send this information or how the letter should be addressed. Nor was there a phone number to call to request more information. As the letter specifically said this information was to be sent to them ( Experian ), they should provide this information. Attempts to find this information at their website was fruitless. 

Considering this company makes money gathering and selling information about me without my consent, I should not have to jump through hoops to get these legally mandated reports. If they need additional information before providing this report, it is on them to provide clear instructions on how and where this information is to be sent. 
By making this process harder, more ambiguous and time consuming than it needs to be they do not appear to be honoring the spirit of the law requiring these reports be provided. I should not be expected to guess where to send sensitive documentation.

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 2019-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Derogatory accusations including ALLEGED INQUIRIES must be Metro 2 compliant to retain or report so delete these not physically with proof of permissible purpose from the exactly and legally identified as me. I did not authorize you to report not proven compliant information and you must comply.. Delete inquiries made by XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX XXXX  , XXXX 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 explanation
Consumer complaint received 2019-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XX/XX/2015, I rented a XXXX XXXX car using my Capital One credit card from XXXX XXXX XXXX. After missing a flight back to Nebraska, I mad arrangements with XXXX XXXXl service to drive the car back to Nebraska and return it to the XXXX XXXX location. They quoted me an additional fee of around {$400.00} for returning it to another location at a later date. The total would have then been {$600.00}. 

Payment for additional fees is usually paid when I return the vehicle. I was going to pay the amount that exceeded my credit card limit with another card, however XXXX informed me that the payment had been authorized from Capital One. The charge was over {$2500.00}. 

I contacted XXXX to dispute and they did not resolve the issue. I contacted Capital One on a Friday evening to dispute. The following Monday they asserted that the charges were valid and that they had rightfully authorized the limit to be exceeded. 

I have never opted into this option and questioned Capital One disputes department for years. I have recently opened another dispute only for the issue to still go unresolved. I never opted into this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: Navient Solutions, LLC.
State: AR
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have tried to look at different options for repaying my loan through Navient online. However, when I select " Repayments Options '' there is no opportunity for me to determine the best route I should take. There are only two links that tell me to contact them at XXXX. When I have called that number, I have been informed that I don't have any option to help change my repayment options because I have private loans through them. At first, my account was serviced through Sallie Mae, but then was transferred to Navient a few years ago. I don't understand how I don't have the opportunity to consolidate my loans or have an opportunity to lower my payments when I have had these loans since 2008. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
We've been American Express Gold Card Members for over 5 years now with no delinquencies whatsoever. We never had an issue using our card until 3 years ago, when one month we failed to make a payment on the due date and paid the following day to bring it current and since then American Express penalized us with a pre-set limit of about ~ {$1500.00}. 

American Express sees we spend much more than that and all of the payments are made on time with no issues

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
This XXXX loan was paid in full and still showing a balance of {$1300.00} in my credit 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 explanation
Consumer complaint received 2020-09-04
Company: EQUIFAX, 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 information incorrect

Complaint:
Equifax, will not allow me to dispute my XXXX XXXX, Equifax customer service rep, XXXX made up security identification questions to verify my id, I already verify my identification once but was required additional information not disclosed in my credit report. Equifax has violated the Fair Credit reporting act by reporting false information and not allowing me to dispute my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.

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 2020-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have called countless time after paying my installment in full, the issue of XXXX XXXX XXXX XXXX   representative providing misinformation. When I originally signed up for the loan it was because it did not ding your credit score. Fast forward a couple months, I was laid off and that was communicated. The representatives that helped me XXXX & XXXX both said that, we do not report to the credit bureaus, if I can make a payment itll stop me from going to collections thats the only way itll affect my score. Thinking that two representatives were telling the truth I did exactly what was instructed. Then after the loan is paid off in full, they then furnish the late history which reflected in a credit score drop. If this was communicated originally, I would have bit the bullet and paid it in full to prevent dishonest practices.

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