BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-05
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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$31000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$52000.00}, XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$29000.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2020-03-26
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
SunTrust / Truis is not being helpful with mortgage forbearance during the pandemic. I am out of work due to the Corona virus and am attempting to be pro-active in not falling behind with my mortgage. 

I have called Suntrust everyday since Friday XX/XX/XXXX. They have a special number for their Mortgage Solutions team XXXX. After being on hold for four hours the line automatically goes dead. This has happened to me three times now. I have no idea how to get a hold of a customer service agent to help me. 

This is not how a company should be run.

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 2021-04-21
Company: Paypal Holdings, Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a debt collection from XXXXXXXX XXXX  saying I owed money to PayPal on the amount of {$1200.00}. Culprit used my name and number but after calling PayPal I realized they used a different email. XXXX. Paypal collection says that the account was closed in XX/XX/2019. I received no mail from PayPal before it went to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I sent a wire transfer for USD {$10000.00} on XX/XX/2022 from XXXX XXXX  in XXXX XXXX XXXX where I live. The next day I was informed that the account number was incorrect and the recipient rejected it. I returned to the XXXX branch I sent it from ( XXXX XXXX XXXX branch, my local ) that same day and canceled it, and was informed that I would receive the funds on Monday XX/XX/2022. Since then I have struggled to get the money back with no success. I have spoken to XXXX personnel numerous times and all I get from them is that the hold up was Chase bank who would not release the funds. XXXX XXXX wire office has reportedly sent them instructions to reclaim the funds twice. It is now 20 business days since I canceled the wire with the bank officer and I still don't have the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: Lending Club Corp
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I took a loan from Springstone Financial now Lending Club in XX/XX/XXXX through dental office " XXXX '' in the amount of {$24000.00} for dental implants. When I signed up for the loan I was told that it is interest free for 24 months and after that the interest will kick in on the amount remaining in the account. In XX/XX/XXXX, I was charged {$6400.00} in my account. I contacted Lending Club and asked about these charges and that 's when they explained to me that these are deferred interest charges from the 24 months of their promotional plan that just expired that month. I had {$3300.00} remaining from the original {$24000.00} loan. I immediately paid this amount. I also disputed the interest charges ( {$6400.00} ) and asked to close my account. I was told that I will not be able to close my account until the disputed amount is resolved. I was also told that I do n't need to make monthly payments on this disputed amount until it is resolved. Since then, I am being charged every month finance charges ( {$160.00} for XXXX and {$190.00} for XXXX ) on amount that I 'm disputing and on the account that I ca n't close. These are very high charges that are unfair to me since I am in this financial position because the terms were not provided to me the day I signed up for this loan. I received a letter on XXXX from Lending Club rejecting my request to dispute these charges explaining to me that these are " valid ''. And that the plan information was provided to me in my monthly statement. The crucial information of " Deferred interest '' was never provided to me when I signed up for the plan for me to make a decision to take it or leave it. Also because I was not informed about this condition in the plan, I did n't not look for it in the monthly statement. I believe that I was tricked to sign up for a plan and was not made aware of its crucial condition and wo n't be able to withdraw from it if I saw it after the fact because of my dental needs at the time. 
Quick search in the internet, I found that Springstone Financial ( now Lending Club or XXXX ) has lawsuits and CFPB Actions regarding the " Deferred interest promotional plan '' that I apparently was signed up for without my knowledge because of deceitful means used to promote this plan. In the CFPB action that I am attaching here with my complaint, Springsone was ordered to refund {$700000.00} in consumer relief to 3200 consumers as a result of the deceptive marketing and enrolment practices in its dental-service provider network. Springstone was also ordered by CFPB to reimburse and notify consumers affected by these practices. I am a consumer that is affected by this program and I am finding Lending Club action to pursuit me with these charges after CFPB took actions against them unfair and unreasonable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-29
Company: PNC Bank N.A.
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I wrote a {$100000.00} check against my HELOC, and the bank unilaterally split into XXXX XXXX {$90000.00} and a {$10000.00} XXXX and charged me XXXX for writing a check. Rather than a single transaction for {$50.00}, they charged me for XXXX transactions of {$50.00} each. I tried to complaint via online chat, and the person said that the loan department said that 's how they do it. I went into a branch to complain, and the person in the branch XXXX XXXX XXXX XXXX called the loan department, who told her that if anyone writes a check over {$90000.00}, they automatically split it into XXXX transactions in order to charge the transaction fee XXXX. 
I have paid off and closed the account ( including paying XXXX {$50.00} fees XXXX, but this behavior is sleazy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-26
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Legal Department, XXXX  has updated the following accounts on my credit profile but, they have still failed to provide me with an original signed contract with my signature on it. Under the FCRA section 609 & 611. Equifax  has violated my consumer rights by not adhering to the law, Section 611 ( S ) ( A ) states you are required to promptly delete all information which can not be verified. The definition of verify, according to the black law dictionary is to confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accounts, petitions, pleadings, & other papers. Contract law states that only way to contest an affidavit is to respond another affidavit. According to the black law dictionary an affidavit, a written or a printed declaration or statement of facts, made voluntarily in confirmed by the oath or affirmation of the party making it, taken before an officer having authority to administer such oath. Equifax  failed to respond to my previous sworn statement if of dispute affidavit with another sworn statement of dispute affidavit which is against contract law. Also, section 605-B ( a ) block. Except as otherwise provided in the section, a consumer reporting agency shall block the reporting of any alleged identity thief, not later than 4 business days after the date of the receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity thief report ; furthermore, under the FDCPA section 809 states if the consumer notifies the debt collector in writing within the 30 day period described in subsection ( a ) of this section that the debt, or any portion thereof is disputed, or that the consumer request the name or address of the original predicator, the debt collector shall cease collection of the debt or a copy of a judgement, or name and address of the original creditor, is mailed to the consumer by the debt collection. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. If the following accounts and inquiries are not deleted immediately from credit profile. PLEASE IMMEDIATLELY PERMANENETLY DELETE THE FOLOWING ACCOUNTS AND INQUIRIES FROM MY CREDIT PROFILE UNDER THE FCRA SECTION 609, SECTION 605B, SECTION 611, AND FCDPA SECTION 809

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: SYNCHRONY FINANCIAL
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I received a letter dated  X/XX/2017    from Synchrony Bank where I have accounts, that " a request has been sent to the  XXXX   XXXX   credit reporting agency re questing that the inquiry reported under the Synchrony Bank be deleted from your credit profile ''. There was no contact name on the letter, no record or incident number, no contact info other tha n a   XXXX   XXXX   number i n  XXXX , Ohio. The letter also incorrectly specified a middle initial for me even though I have no middle name. I tried to contact the bank by phone soon after receiving the letter but no one I reached knew anything about it or could help further. The exact wording of the letter is not clear as to what happened ( I ca n't understand it ) but it did trigger  XXXX  other letters from  XXXX   XXXX  and the  XXXX  other major credit monitoring services  (   XXXX  and  XXXX   ). T he  XXXX  from  XXXX   XXXX  referenced the original bank letter, I think, by indicating  " Re :  SYNCBJCP '' but otherwise did not reference the bank by name but did say that the " above creditor ... received a credit application containing your name and social security numb er '' ( more information than was in the banks letter ).    This whole think has caused stress and concern for myself. I would like to think I am sophisticated about these things but I am not sure this is some kind of scam or not. Initially I thought so but since the bank 's letter preceeded all of these notifications from credit reporting issues about an " incident '', I am not so sure.   I would like some knowledgeable person from Synchrony Bank to either confirm that the initial letter was a scam ( that somehow triggered the letters from credit reporting agenc ies ) o r, if not, please detail what happened, especially if someone has tried to use my information to apply for credit.   Thank you for your time and consideration.

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 2020-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Credit bureau says account with XXXX XXXX is verified. Sent multiple rounds of dispute recently was told that my dispute was frivolous and they will not reinvestigate. I have contacted the collection agency requesting for debt to be validated multiple times and received no response ( see certified mail attachment ) however this account remains on my report and trans union specifically refuses to reinvestigate or remove it.

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 2022-09-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/22 I deposited a check for {$9400.00}. However, my bank ( Wells Fargo, N.A. ) put a hold on my account for {$18000.00} ( twice the check amount ). When I called and spoke to a banker and then a supervisor, the supervisor said that putting a hold on for twice the amount of the check was not an error, but rather that it " is all part of the process. '' In the screen shot I'm attaching, you will see the deposit of {$9400.00} and the hold for {$18000.00}. I want to know why a hold was placed on my account for twice the check amount, and not just for the amount of the check.

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 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$31000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$52000.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$29000.00}, and XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$12000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2015-09-25
Company: PNC Bank N.A.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I had bank account with PNC bank. On XXXX XXXX, 2015 I deposited a foreign check at my local branch drive thru teller. The next day I went to bank and withdrew {$500.00} cash through ATM. Later on in day I received email stating my account was overdrawn. When I deposited check teller never said there was gon na be hold on check and there was nothing on receipt. Few days later i received letter saying they were closing my account and would have to wait 45 days for check to clear. When i contacted PNC they said my account being closed was a corporate decision. I just spoke with someone at bank today and they said my money would be availible after XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
During Tuesday, XX/XX/XXXX and Wednesday, XX/XX/2020, I attempted to call Chase/Amazon to ask for the two months furlough on my credit card due to being positive with Covid-19 and the financial hardship. I stayed on the telephone ( XXXX ) for 3 hours and no one picked up the phone. I then established an account and attempted to leave a secure portal message but it only allowed certain messages to go through. Then my password suddenly no longer worked. 
It seems that Chase/Amazon Prime will not allow the consumers to request this assistance during this trying time. Also, a neighbor got my mail by mistake and had opened it. I noticed that Chase had placed the entire account number on the Statement which is illegal in some states including North Carolina. In the " Account Summary '' the entire account number is on the statement. 
This is a violation that needs to be addressed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account # 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.

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 2022-09-05
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, T XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX 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 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help

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