BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-09
Company: Experian Information Solutions Inc.
State: TN
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: Was not notified of investigation status or results

Complaint:
This was not sent in error i am a consumer by law and my information was misused and now I have some false not 100 percent accurate accounts on my credit report. Unauthorized use of 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 2021-02-19
Company: Experian Information Solutions Inc.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX and XX/XX/XXXX. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2016-10-06
Company: PNC Bank N.A.
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I received an email this afternoon from my bank, PNC, to let me know I have the option to opt out of their arbitration clause and that if I choose to do so, to clink on the link that is supposed to be in the email. 
However, there was no such link in the email. So, I went to their on-line chat service and brought this up. They said I could call the bank and talk to XXXX of the consultants. I asked though, if they could just send me the link. They said I should call. 
After I called, I spoke to XXXX XXXX, PNC Customer Service Representative about this. She said they were working on the link. I expressed my extreme dismay and concern that the bank would send out an email without the link attached and that it felt to me like they were making it hard for customers to actually opt out. I also said that the online chat people at least should have been able to give me the link. 
She took my information and will be opting me out of arbitration with a follow up letter to confirm this. Again, I expressed my concern, asked her to send my complaint to the appropriate PNC officials and that I would let the banking regulators know - thus my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have over 100 inquiries on my Transunioun Credit Report that are due to my identity theft. They will not provide me with any information to validate these. 
XXXX Bank XXXX # XXXX is not my account. they will not validate it. 

XXXX ACCOUNT NUMBER XXXX DOES NOT BELONG TO ME AND THEY DID NOT YET REMOVE NOR VALIDATE THIS AND XXXX ACCOUNT # XXXX XXXX THEY KEEP PUTTING BACK ON UNDER ANOTHER COLLECTION ACCOUNT # XXXX. 

I HAVE EXCELLENT CREDIT. OVER 30 ACCOUNTS BUT THE INQUIRES ALONE ARE NOT MINE NOR CAN BE VALIDATED. 
XXXX ACCOUNTS WAS DUE TO IDENTITY THEFT ACCOUNT # XXXX ACCCOUNT # XXXX XXXX AS WELL XXXX BANK ACCOUNT # 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 2016-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
All my accounts have been paid as agreed, there is a mistake on a XXXX XXXX XXXX account # XXXX I need this corrected 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 non-monetary relief
Consumer complaint received 2021-03-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I bought tickets to XXXX XXXX on XX/XX/XXXX. They were floor seats and I was so excited, then they changed my tickets from floor to standing, so they could get more people in. So we sold the tickets but due to covid, she kept pushing the concert date back. Many of our other tickets to see other performers were giving the money back but not for the XXXX XXXX concert. 
On XX/XX/XXXX, I received an email from ticket master stating that the concert was cancelled. On XX/XX/XXXX, I received another email from XXXX stating that my refund was processed and I should see the money in my account in 5-7 business days. On XX/XX/XXXX at XXXX XXXX I called Wells Fargo to start a claim since I had not received my refund. The gentlemen told me that it would take 10 business days to refund my money and gave me my claim number of XXXX. 
Monday, XX/XX/XXXX, I still had not received my refund so I called again to see the status. XXXX at XXXX XXXX at this time told me that she was the only one who has worked on the claim since it had been over 120 days since I purchased the tickets. But that I have no proof or documentation to suggest that I am owed this refund. She tells me that I will have to wait another 10 days and that I will receive a letter of my results. 
I was not happy with this so I called back at XXXX and spoke with XXXX and she tells me that I am denied and will not get my money back. She says if I am not happy with this, she will transfer me over to account resolution department and his name is XXXX who asks me to go over the issue again. He tells me to send him the XXXX email by fax or email and that they will take a look at it. And that it will take 1-2 business days to receive the documentation I have. 

XX/XX/XXXX I filed a complaint against Wells Fargo to the Consumer Financial Protection Bureau. I was then contacted by the Consumer Financial Protection Bureau ( CFPB ) that the complaint was received by Wells Fargo. On XX/XX/XXXX, I received an email and later that week a letter from Wells Fargo stating they are looking into my case and the letter was signed by XXXX XXXX I was also then sent a letter stating that I was going to receive temporary credit, which I did. 

On XX/XX/XXXX, I received a letter stating that they found there was an error that occurred for my tickets because they had me change my debit card, and they said that the remaining credit that was money back from insurance for the tickets was final and to remain in my account and that my case is now considered closed. 

XX/XX/XXXX, a letter to me from Wells Fargo states that they are researching my case again.

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 2017-01-28
Company: PNC Bank N.A.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Open account with PNC Bank, since beginning have trouble with them, let it go as an error but it did escalate until week of XXXX XXXX, when have to request them to close the account, payments that went okay, were returned with no apparent readon when account was positive. Still dealing with fallout, any help, appreciated it. Sincerely, XXXX XXXX. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: Resurgent Capital Services L.P.
State: GA
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 going to try this one more time before I seek legal action!! The account reporting on my credit file from LVNV  is being reported on my XXXX credit report TWICE!! The LVNV  account for {$550.00} account number XXXX is posted to my XXXX credit report TWICE. I said this twice because their investigation is coming up short both times because they are NOT addressing my issue. I have attached a copy that XXXX claims they verified that clearly shows after an investigation the duplicate accounts are still posted. This is a violation of my rights by both XXXX and LVNV. If this isn't corrected I will be forced to sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX onTransunion. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I applied for a credit card and was denied ( see attached letter ), I had lifted my security freeze per process described and it did not allowaccess to my credit file as claimed by credit card company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-12
Company: Chime Financial Inc
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I received a notice via email that my account had been closed. No reason other than " I violated the terms of the deposit agreement ''. Really? What terms? If you call from the phone connected to your account, the automated system directs you to send an email, and hangs up on you. I used a different phone and also could not connect with a representative. I finally had to use my husband 's phone, which is connected to his Chime account, to get to a live person. After 2 hours on the phone with 2 different individuals, I was told that they have no control over my account closure and that " I would be mailed a check for any remaining funds in my account within 30 days of the closure ''. That is not acceptable. I had funds in both my checking and savings, including my payroll direct deposit that had just posted the night before. After some internet searching, this appears to be something Chime is doing to a lot of their good customers, and keeping the funds from the closed accounts. I have contacted a Consumer Protection Attorney, who is investigating and is quite certain this is conversion. I want this bank shut down. They do not have physical branches you can enter to retrieve your funds, they limit your access to how much of your funds you can withdraw each day, and it is a major effort to even reach someone on the phone. They are committing fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: DISCOVER BANK
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:
NUMEROUS TIMES I HAVE REACHED OUT TO XXXX  AND TO XXXX  IN REGARDS TO THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. I HAVE SENT THEM MY IDENTITY THEFT REPORT NUMEROUS TIMES, I HAVE SENT THEM NOTARISED DOCUMENTS, I DON'T UNDERSTAND WHAT IS THPINT OF ASKING FOR DOCUMENTS AND ANY CIVIL COURT REGULATIONS WHEN AT THE END OF THE DAY YOU ARE AT THE MERCY OF THE BUREAU AGENT, OR SOMEONE AT DISCOVER SITTING BEHIND THE DESK MAKING DECISIONS. THSI ACCOUNT IS FRAUDULENT IS NOT MINE AND SHOULD BE REMOVED FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21
Company: U.S. BANCORP
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Us bank is reporting XXXX separate automatic teller machine abuse on XXXX and they are all incorrect. I would like to know what must be done to get these removed so I can open an checking and savings account

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: HYUNDAI CAPITAL AMERICA
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Dear Hyundai Motor Finance I, the consumer and natural person, was denied credit by Hyundai Motor Finance l when I applied for a Auto Loan. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by Hyundai Motor Finance due to the response I received. Hyundai Motor Finance is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Hyundai Motor Finance. If Hyundai Motor Finance fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make Hyundai Motor Finance criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 16810. I will also follow up with an invoice for said violations ( {$10000.00} } per violation ). Thank you. XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved

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 2023-03-17
Company: OPTUM BANK, INC.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
Optum Financial has managed my XXXX account while I was employed by XXXX XXXX XXXX XXXX. In XXXX of XXXX I initiated trustee to trustee transfer request between Optum Financial and Lively, in which the funds were transferred directly between providers. On XX/XX/XXXX, this transfer took place successfully and I never had to take possession of these funds. However, in XXXX Optum Financial has issued a 1099-SA form for XXXX tax year, in which it claimed that I received a 30k+ distribution, which created for me a large tax liability to IRS. When I called Optum Financial in an attempt to correct this error, the customer service rep. ( XXXX ) told me that Optum has issued a check # XXXX that I cashed and therefore closed my account. Off course this wasn't true, and it never happened. The rep told me that there is nothing more she could do for me. At my request, the rep promised to email me and have a supervisor contact me about this problem. None of these things ever took place. I request that Optum Financial correct their error and reissue corrected 1099-SA form, so I can proceed to file my income tax return. I have all the necessary documents supporting my claim. I request that Optum Financial resolve this error as soon as possible, because I can not file my income tax based on their incorrect 1099-SA..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disputed the 2 accounts listed on my credit report which were " verified by the credit bureaus. 

Both accounts are with XXXX XXXX. 

Both accounts are reporting as charge off and reporting a past due balance/balance of the following : one account {$2000.00} and {$950.00} Letter of validation was sent to XXXX XXXX. Although they responded, they failed respond to the actual request for validation. They only verified the account listed. 


Per my request " Your failure to satisfy this request within the requirements stated in the Fair Debt Collection Practices Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees. 

A credit diclosure statment was requested to be filled out and returned. Failure to return would result in the following : Upon failure or refusal of collector to validate this collection action, collector agrees to waive all claims against the debtor named herein and pay debtor for all costs and attorney fees involved in defending this collection action. 

Original request is attached as well as their response.

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 2016-02-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I Filed a Complaint with Consumer Financial Protection Bureal concerning XXXX XXXX XXXX and XXXX has Responded and Resolve my Dispute with them and have terminated further collection efforts and closed their file and have notified the bureaus to Delet their trade line from my Credit file this reply I 've received on XXXX XXXX by E-Mail and again by postal service Transunion is the only bureau that had not removed XXXX XXXX XXXX Trade Line from my Credit File in fact Previously to my Notice from XXXX XXXX they was not on my Transunion Credit File until after I 've Received the Notice to Remove XXXX XXXX XXXX from All Bureaus on This Date XXXX/XXXX/2016.

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 2016-07-27
Company: BMW Financial Services NA, LLC
State: FL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
BMW financial reported on our credit report that payments were not made for a 60 day period for my auto loan during the time I had a lease on a XXXX XXXX. This particular car was in the repair shop for over 8 weeks total over the time of the 3 year lease - the late payment that is being reported on both my wife and my credit report was during the period the dealership that sold me car said they are trying to get this car lemon under the lemon law of the state of Florida. Previously to this situation all payments to bmw financial were always made on time. The dealership told me they were actively trying to get the car fixed or replaced in a timely manner since my situation fits the criteria to have a new car so I held my payments with the anticipation that it was going to be done like the said and it would be quick. They also recommended that if I called XXXX XXXX and let know my concerns maybe they would help move the progress along. I wrote to the CEO directly and called bmw financial and explain my situation. I told them that I am holding my payments per the dealership because that may help them move on get the situation corrected - I trusted the dealership because I had bought XXXX cars from them before and believed that they would get this corrected. however, that did not happen I did not get the car replace but what XXXX did was to give XXXX or XXXX payment back for the time for the time I did not have use of my vehicle but that being said they still marked my credit report for delinquent payment even though we were trying to work out this situation. I have written to the credit bureau to get this resolved but it has not been corrected - the loan has been closed but both my wife and my credit report has been adversely affected for no fault of our own. XXXX acknowledge it was their problem but I am being hurt because no one communicated with bmw financial. Prior to this situation we did not have any late payments to bmw what so ever but now its adversely effecting my ability to gain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: PNC Bank N.A.
State: MD
Product: Credit card
Issue: Credit determination

Complaint:
I went to the PNC branch in XXXX, MD to get a debit card and debit card only. I specifically told the manager that I do n't want credit card. He assured me that he is only requesting a debit card to be sent to me. After a couple of weeks I received the debit card as I requested. But then I also received a notice that a credit enquiry was performed PNC sent me a credit card as well. Since then they have been pressuring me to activate the card, which I did not and I am not going to.

Company response to consumer: Closed