BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-19
Company: BB&T CORPORATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I deposited Cash in the amount of {$960.00}. The following day I deposited a check in the amount of {$550.00}. When the ATM machine read the amount it said {$650.00}. There was not an option to change the amount. I know that the bank teller will retrieve the check and enter the right amount upon receipt. On Monday XXXX XXXX my brother deposited XXXX cash into my account. Now the check is on hold and I a being charged a overdraft fee for several transactions.. I spoke a XXXX XXXX at the BBT Address : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone : ( XXXX ) XXXX She was extremely rude and told me that since I made the mistake at the ATM, which I did n't that was the reason I was receiving a overdraft fee. The overdraft fee is now XXXX. I can not get anyone to help me resolve this issue. I spoke with 5 people at the bank and everyday I am being charged a new overdraft fee. I spoke with XXXX XXXX at the XXXX XXXX Branch, XXXX XXXX at the XXXX XXXX Branch and XXXX XXXX. I also spoke to a XXXX XXXX at the call center in Texas. She took my complaint and advised that someone would get back to me within 24 hours. I emailed the Branch manager at the XXXX location for assistance, but he was on a conference call and has not gotten back to me regarding the overdraft fees. The date for these transactions were XXXX XXXX, 2016. BBT is constantly charging me overdraft fees. This is ridiculous and costing me a lot of money. I was also charged an overdraft fee on XXXX XXXX. I was told by the Customer Service rep that there was a n my paycheck from my job check that I have been receiving weekly. The total amount of charages was {$200.00}. I had XXXX in the account. I want to know why I was charged {$100.00} in overdraft fees. This bank is ripping me off and I need help please. I am on XXXX from a XXXX where my XXXX. I am in XXXX to rise. I need to know if BBT is going to be responsible for any additional medical treatment I may need from the XXXX of all 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 explanation
Consumer complaint received 2020-08-06
Company: PNC Bank N.A.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
I just recently opened an account with XXXX XXXX with the intent to trade stocks on a small scale. In attempting to link my account at PNC bank I was given a message that says PNC has restricted the linking of my account to this company. I see no reason for this restriction. I am serious about what I do from a business perspective so please investigate this matter and relay the outcome as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: EQUIFAX, INC.
State: FL
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:
Hi, XXXX XXXX is showing on my credit report. This debt is older than 7 years but Equifax, XXXX  and XXXX  continues to report it. Dates keep changing. When will it ever come off of my report??? Ive had an issue since day one when the salesman lied and told me that with my trade in I was going to receive a special of 90 days no payments due only to find out that wasnt true which made my first and second payment late. Can you imagine your very first and second payment being past due? I thought I had 90 days! So I was playing catch up from day one. Then they signed me up for every extra service and charge known to man.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22
Company: Red River Collections Inc.
State: ND
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I should not have the much to owe on this..it was a rent problem and there giving me all the money we owe on my background!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30
Company: BB&T CORPORATION
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened check account with XXXX XXXX XXXX, XXXX TX on XXXX XXXX 2015 and the banker helping me with account clearly told that there is no minimum balance needed. I told him that I will be going to XXXX on XXXX XXXX. On XXXX XXXX, XXXX transferred my account to BB & T as BB & T bought all XXXX in Texas. BB & T says that they received my account from XXXX with a negative balance of {$59.00} and BB & T threatening me that they will charge off my account and report it for collection if I do not pay. XXXX says that they reversed {$59.00} charge ( {$25.00} for checks and {$34.00} overdraft fee ) as it is not of my fault to receive stale ( not usable ) checks and my account was transferred to BB & T with ZERO balance but not negative. I am sandwiched between these XXXX banks as XXXX and BT & T refused to talk to each other as they said that they are not allowed to discuss about customer accounts as they are separate banks. After several phone calls and several requests, XXXX gave me a ticket number for the case but have not heard back from them yet. Meanwhile, BB & T is threatening me via phone call that they will take further steps to collect {$59.00}. To avoid further complications and effect on my credit, I requested my nephew to pay {$59.00} into my BB & T account and requested them to close the account. 
I am a victim of the sale of XXXX to BB & T and it is totally unfair for both banks not to talk to each other to resolve the error and putting customer in great trouble to the extent of ruining their credit for no fault of theirs. 

I request your authorities to talk to these both banks and ask them to help me to resolve this issue. I am sure that there might be more customers in this situation and victimised.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: VA
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:
This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance : {$74.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$62.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX : {$72.00}

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 2015-04-06
Company: MARINER FINANCE, LLC
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
XXXX has listed on my credit report a debt that was abolished by Mariner Finance in XXXX 2013. This was a joint account as I co-signed for a coworker to purchase a used car but Mariner Finance has been listing account as an individual account. Mariner Finance agreed to relieve me of all financial obligation, garnishments, and prompt deletion of credit entries in exchange for a one-time payment of {$3000.00}. The payment was immediately rendered and the stipulations were signed by a judge of the XXXX County District Court that same month. XXXX keeps verifying the debt as valid because Mariner Finance is supplying fictitious information because collection efforts remain in effect for second party on account. XXXX County District Court has assured me that they do not verify debts, make entries to credit reports or make deletions. XXXX County District Court has assured me that they do not verify debts, make entries to credit reports or make deletions. XXXX credit bureau is also listing the erroneous account by Mariner Finance as past due in the amount of {$1500.00}. I have been fighting with this company over this issue for approximately 2 years. 
I need the judgment and the erroneously reporting account deleted from my credit bureau reports as promised. 
Licensed by the Maryland XXXX # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
These social security numbers associated with me are inaccurate and neeed to be REMOVED from my credit file immediately 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 non-monetary relief
Consumer complaint received 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
FCRA violations : inquires not mine XXXX  XXXX., XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record XXXX XX/XX/XXXX FCRA violations : payments never late XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed.

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 2020-08-06
Company: Santander Consumer USA Holdings Inc.
State: SC
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:
Was told they were allowed to run my credit to sell my closed written off debt

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: NATIONSTAR MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Between XXXX and XX/XX/XXXX, and after I filed a CFPB complaint against Nationstar Mortgage, they allow me to submit a Second Loan Modification based on my hardship financial situation. I have submitted all the documents that they requested uploading them through its website. I contacted several times Nationstar Mortgage to get a resolution. On XX/XX/XXXX I spoke with a representative and he told me that the modification was denied without any explanation and I request a denial letter that they said they will email me and send on regular mail. Shortly after I received a letter dated XX/XX/XXXX ( attached ) stated that they are waiting for third party to complete the evaluation. I called again on XX/XX/XXXX and XXXX told me that they denied the loan modification and has sent the letter that I request again to have sent by email, XXXX told me that she was sending as an attachment on email. I have never received the denial letter. Instead I have received a letter notice that per agreement modification they will increase the interest rate per the schedule. Please see the attached letter. 
First at all Nationstar does not care about customer service, their phone system does not allow to speak with loan modification department. Nationstar does not care about clients that want to keep their home. They only care about increase interest rate and consequently their profits. I really doubt that they have a Loan Modification Department and or Underwriters that analyze documentation for loan modification applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

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

XXXXALL ACCOUNTS BELOW HAS VIOLATED MY RIGHTS*** XXXX  Account XXXX # XXXX has violated my rights. 
XXXX  Account XXXX  XXXX  IN CO # XXXX has violated my rights. 
XXXX Account XXXX # XXXX has violated my rights. 
XXXX Account XXXX # XXXX has violated my rights. 
XXXX Account XXXX # XXXX has violated my rights. 
XXXX Account XXXX # XXXX has violated my rights. 
XXXX Account XXXX # XXXX has violated my rights. 
XXXX Account XXXX # XXXX has violated my rights. 
XXXX Account XXXX XXXX # XXXX has violated my rights. 
XXXX Account XXXX  XXXX # XXXX has violated my rights. 
XXXX Account XXXX XXXX # XXXX has violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: ALLY FINANCIAL INC.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Phone number XXXX employee XXXX XXXX left 2 messages after it was explained to her that we do not have a current loan with Ally Financial. 

I called Ally Financial and asked them to stop calling. The representative stated they are looking for XXXX or XXXX ( not a member of our family ). I asked how they obtained our number and was told that they just called numbers with similar names and states looking for potential family members. 

My first thought was someone had a loan in our name or used us as a reference. I was told that we do not have a current loan and our number is not associated with the account they are trying to collect.

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 2020-08-06
Company: EQUIFAX, 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:
Equifax is reporting false or fraudulent information on my credit report. There is an inquiry on my report from XXXX XXXX which occurred in 2019. I have no knowledge of this company nor have I authorized or signed any contracts. I have sent dispute letters to Equifax twice, and results have came back in the decision not to remove an inquiry that isn't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: BB&T CORPORATION
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am very devastated for all the excuses BB & T Mortgage has gave me in order to denied my loan. I have tried to work directly with them but they keep prolonging my loan and making me fall more behind. I been forced to re-apply every time, I am an elderly man and this is causing my health to decrease and I have even start working a second job to proof BB & T Mortgage that my intentions are to keep my house. BB & T Mortgage needs to review my loan under the correct income, I am sure they keep doing this to me because I am an elderly and they think I do not know my right but I do and I am fighting to stay in my house. Therefore I wont stop until I safe my house this is the only thing I have left, and I do not want to end homeless. Please have some compassion and review my loan fairly. I am a VA and have serve my country this injustice needs to stop.

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 2020-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Hi, XXXX XXXX is showing on my credit report. This debt is older than 7 years but XXXX, TransUnion and XXXX  continues to report it. Dates keep changing. When will it ever come off of my report??? Ive had an issue since day one when the salesman lied and told me that with my trade in I was going to receive a special of 90 days no payments due only to find out that wasnt true which made my first and second payment late. Can you imagine your very first and second payment being past due? I thought I had 90 days! So I was playing catch up from day one. Then they signed me up for every extra service and charge known to man.

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 2022-05-17
Company: BARCLAYS BANK DELAWARE
State: MA
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: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/2022 I purchased XXXX airline tickets to XXXX through XXXX. I subsequently noticed XXXX charged me twice for each flight. I alerted XXXX and the XXXX extra charges were removed from my credit card activity. When I went to pay my Barclays bill, I noticed the charges had reappeared. I contacted XXXX who told me Barclays had only paid them once for each flight. XXXX Ive been shuttled between Barclays ' fraud and disputes departments. They told me the case was closed and resolved. 
I asked them how the case could be closed when I still haven't been refunded the {$1200.00}. 

I was finally directed to yet another department at Barclays who admitted the mistake was theirs. At the time I had purchased the tickets there had been fraud on my card and I'd been issued a new one. Somehow XXXX of the flight charges were on XXXX card number, XXXX on the other. Barclays had finally admitted their mistake. The man I spoke with, promised I'd be reimbursed. within forty-eight hours. I asked him for his name and if it was a new case number, and he refused. That was on XX/XX/2022. I have still not been reimbursed. Original case # 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 monetary relief
Consumer complaint received 2017-04-30
Company: EQUIFAX, INC.
State: IA
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:
XXXX   XXXX   XXXX     {$240.00} I called and had this settled and paid off. I cant remember the person I spoke to but I asked before I pay this settlement will it be removed from my credit. The rep told me yes but she lied. Then I tried to call back and they told me that they never told me that, they send it to credit bureaus as pay as agreed. This needs to be removed because it has been paid off and I was told that it would be deleted off my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-19
Company: PENTAGON FEDERAL CREDIT UNION
State: LA
Product: Credit card
Issue: Billing disputes

Complaint:
I have a credit card account with Pentagon Federal Credit Union and have requested several times that the credit insurance I am being charged monthly be discontinued via email within their secure email messaging platform and they refuse to do so unless I sign documents. My email from within their secure website should be good enough. 
I have placed the credit insurance debit charges that they keep charging me into dispute, yet I logged in today and I can not find anything about the status of the disputes. This month, another charge for {$.00}. These charges may be small, but they add up, and when this may be occurring nationwide, it adds up to a considerable amount of money. When I inform you I no longer want the credit insurance it should be removed prompty without the need for dispute resolution or me having to go to regulatory agencies to complain.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-12
Company: General Information Services, Inc
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I contacted General Information Services to verify and validate the information that they have on record as it was incomplete or nonexistent. General information Services failed to provide the signed agreement between me and the original accuser that contained ANY facts that matched what they had in their database system. They did not change the status nor did they provide me with relief for the damages that they caused me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation