BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-05
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: Their investigation did not fix an error on your report

Complaint:
No resolution to a incorrect item on credit report. I am concerned about the validity and accuracy of your investigation of the account with XXXX XXXX XXXX account XXXX. Last month a requested an investigation because the items were not reported accurately on my credit report. I received feedback from you stating that an investigation was completed. your investigation did not outline nor explain who, how, where you obtained your informaiton. What documents did you received to conclude your investigation, and who did you talk to? Please provide a complete copy of all the information you obtained to concluded that your investigation has proof that these items are correct. FCRA guidelines states. my right to know how you verified itms on my credit report or a fine many be assessed up to {$1000.00}. Delete these items as soon as possible or obtain documentation to prove your investigation.

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 2021-04-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I took a loan out for a XXXX XXXX XXXX Bank of America and they have been charging me double for the last two months. They claim it is a system error but its happened the last 60 days. They say its happening to other customers yet they have not fixed it yet and they are scamming customers out of double 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 2023-01-05
Company: Experian Information Solutions Inc.
State: NJ
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. Experian must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients.

Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30- day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to ... promptly REPAIR all information which can not be verified. The account needs to investigate and correct from erroneous reporting in my file are listed on my credit report : 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 2022-09-16
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022, there was an unauthorized withdrawal in the amount of {$1800.00} from my chase bank saving account. Reported to chase bank & closed compromised account and created a new saving account immediately. Banker in chase branch promised it wont happen again as the account now set as high alert. On XX/XX/2022, another unauthorized withdrawal in the amount of {$1900.00} from the newly created saving account. Chase bank has a very poor security system which has no protection to their customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-05
Company: World Acceptance Corporation
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Sale of account

Complaint:
I am so displeased with this company care creditXXXX. Learned that care credit is not for everybody. Care credit has deceptive credit card marketing and sales. I have an active care credit account with this company. When signing up for the care credit, health care representative signing my mother and I up never explained about how care credit works nor told us about the reoccurring monthly interest that would be happening after promotional period had ended. My mother and I was not informed that care credit is in fact a credit card and never received our enrollment paperwork from this company when first signed up. The representatives told us this was the only option to pay for our expenses at the emergency XXXX hospital. Pressuring vulnerable, naive and helpless individuals at the time of need to sign up with care credit because it 's there only option is not right. The health care receptionist only relied on the pamphlets and did n't seem trained upon care credit procedures and policies. I have contacted Care credit on numerous occasions about this to only get no real help at all from customer service and management. 

Care credits late fee policy is flawed in many ways as well. Even when you send in a post dated payment with this company they will not go by post date, but whenever they choose to look at the mail will be the date posted to the account. This can be very misleading for clients when sending in payments because its not our fault that mail carrier methods can be delayed at times. I had to contact the company XXXX about this matter to only resolve the issue by the manager about the late fees occurred during those times that it was mailed before due date and was posted after due date to only receive a late fee without knowing. The managers waived those late fees that occurred and I have never been late since then. 

I have even did research on the credit card company Care CreditXXXX and I have found that my situation is happening all over and has happened to many in the past. Why do care credit keep doing this to there customers. I have also become a victim of care credit deceptive ways and poor trained staff upon enrollment process at the time. If I was to have known that this companies ethics was like this I would of avoided it at all cost. The way I have been bamboozled to borrow money from this company is not right. It 's a shame that I feel stuck with a company like this that has many deceptive ways. Why does most car loan companies only charge you a XXXX time interest fee upon your borrowed amount, but care credit choices to charge you over 25 % interest every reoccurring month ridiculous scheme.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-16
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I am trying to get it removed off my credit I am XXXX on XXXX I dont have the money to pay the loan it will take me a lifetime and I will be XXXX and gone and still off I can not pay this so I asked the company can they please remove it off my credit they will not remove it I am struggling its a lot of pressure on me and my finances please please remove off my credit thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: Total Card, Inc.
State: SD
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 XXXX  XXXX XXXX  AKA Total Visa  Card had a card opened fraudulently in my name. It appears on my credit report. When I contacted them about removing it, they added an additional file with a collections account with XXXX XXXX XXXX. I now have two fraudulent lines on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Account Name : XXXX XXXXXXXX Account Number : 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 2015-11-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I am a USAA debit card customer. Recently, my debit account number was hacked, so the bank replaced my card with a new card. In the meantime, XXXX payees reported that they had not received their monthly payment. Payee A contacted me by email and I resolved the problem by giving them the new card number. Payee B contacted me by email and then sent an email saying that they had resolved the problem by charging my new debit card. I never gave anyone at Payee B or USAA permission to debit my new debit card account. 
USSA has reversed my charges and given me a new debit card. But there is no explanation for why the bank or the XXXX network allowed payee B to be payed with my new card. Finding out what I know has wasted hours of my time. It 's worse than dealing with a car dealer!! 
This is a form of customer harassment. Why do banks get away with this?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01
Company: Collection Information Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was advised by the Internal Revenue Service that my social security number and other confidential information were compromised. Sometime in XXXX to XXXX my personal details were stolen and have been used up to XXXX XXXX when a security alert had been placed on my credit files. These fraudulent accounts range from medical ; utility accounts and credit card accounts and must be deleted from my history. I forward the details of these accounts in question and a copy of the Identity Theft Affidavit and I have had no response from both the credit bureaus and the creditor/collections agent.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: PNC Bank N.A.
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened personal & business accounts with PNC Bank for over 6 years without any problems or issues. I have recently revived a letter from the bank which informed me that my XXXX personal & business account will be closed on XXXX XXXX. 2015 without any explanation to given any reason. Therefore I contacted the bank 's Underwriting department over the phone, and asked them for the reason, but they failed to give me any information about the reason for accounts closure. I decided to stop by my local branch and I asked them to give me the reason, they too did not give me the reason and they claimed that they could not disclose such information. As a legitimate customer / consumer I do feel that I have a full right to know what did I do wrong to be dropped out from PNC Banking services, therefore I 'm requesting your authority to help me find the reason so I could understand it and to keep for my own references. 
Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
respectfully, that you are incorrectly reporting some information on my credit report. I'm pretty angry right now to be honest, but I know that mistakes happen. I trust you'll fix the situation. Here 's the wrong info : Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Incorrect late payment Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Incorrect late payment I keep immaculate records of payment history a crossed all my bills and accounts, and there should be no late payments showing here. 
Inaccurate late payments like this are preventing me from obtaining credit that I'm trying to apply for because it's lowering my credit score big time. I've already been in talks with some experts who have informed me that there are laws to ensure that inaccurate credit information can't be reported. 
I take this very seriously and I would appreciate it if you remove the late payment marks off this

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 2020-10-05
Company: National Credit Adjusters, LLC
State: SD
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 XXXX XXXX XXXX  AKA XXXX XXXX XXXX had a card opened fraudulently in my name. It appears on my credit report. When I contacted them about removing it, they added an additional file with a collections account with National Credit Adjuster. I now have two fraudulent lines on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05
Company: PNC Bank N.A.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
We have been charged overdraft fees on our interest personal checking account on three different occasions over a period of four months. At no time on these three occasions was our account overdrawn. I log onto our online banking everyday and constantly monitor our activity. A printout of the most recent {$36.00} overdraft charge is attached. You can see that at no time did our account have a negative balance, but PNC charged an overdraft charge of {$36.00}. How can a bank charge an overdraft fee when the account to which it is charged does not have a negative balance? I think this is grounds for an investigation into a class action lawsuit. This has happened to us three times, and I 'm sure it has happened to other PNC consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
respectfully, that you are incorrectly reporting some information on my credit report. I'm pretty angry right now to be honest, but I know that mistakes happen. I trust you'll fix the situation. Here 's the wrong info : Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Incorrect late payment Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Incorrect late payment I keep immaculate records of payment history a crossed all my bills and accounts, and there should be no late payments showing here. 
Inaccurate late payments like this are preventing me from obtaining credit that I'm trying to apply for because it's lowering my credit score big time. I've already been in talks with some experts who have informed me that there are laws to ensure that inaccurate credit information can't be reported. 
I take this very seriously and I would appreciate it if you remove the late payment marks off this

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 2018-01-20
Company: Netspend Corporation
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
I received a prepaid XXXX from a company called XXXX on XXXX XXXX, 2018. It already had my babe embossed on it. I couldn't get through to a live representative because the voice machine wanted me to provide a card number or my social security. I gave the card number but it tried to get me to activate it using my social which I was not going to do. I was worried that someone has fraudulently applied for this card in my name. If not and the company just sent me a card like this without any request then I feel that is a security risk. What if I hadn't lived at the address or someone else managed to activate this card they sent me?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: MONEY SOURCE, INC., THE
State: OK
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
The Money Source did not provide complete responses with documentation requested in my debt validation, QWR and accounting request. XXXX response was it would be " too burdensome ''. They have violated the Privacy ACT & divulged my private information into the public as well as effected my ability to extend my credit by reporting negatively to the Credit Bureaus when under the Cares Act. XXXX has harassed, humiliated, intimidated as well as tried to exhort me since they bought the alleged loan. XXXX is in violation of TILA Title 15 1635,16 CFR 33.2. XXXX has not only breached any Trust, but disclosed non public information without my consent and used the mail to harass and intimidate knowingly and willingly. This is a scheme to steal personal, family and household goods. 
I have the right of rescission if not provided at closing and XXXX was provided the documentation by the consumer, but XXXX has again completely disregarded my rights as a consumer and have moved to foreclose. There has been no contract or consideration made with the Money Source. This is a breach of Trust and violation of Title 15 1666b, e and denial of my rights under the Color of Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: Netspend Corporation
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I had {$1100.00} in unauthrized transfers on my card occur and had three denied claims that were submitted in time with signature and had my account closed and the balance of {$1600.00} sent to me in three bad checks that were insufficient funds and were bounced and returned to me by Netpsend bank Western Union. 

Western union owes me {$2700.00} for denied claims submitted in timeframe signed and for closing my account without authorization and sending me a bad 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 2016-06-20
Company: The Collection Connection
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
A company called collection connection just sent me a letter demanding payment in full within 10 days or they claim will they turn it over to an attorney in my city. I do not owe this debt. I paid the XXXX in cash when I withdrew. They have never validated this debt. I have disputed this account on all XXXX bureaus to no avail. Not only are they threating to sue me on an account I do not owe, not validated, but its also after the PA statute of limitations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation