BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-15
Company: Financial Recovery Services, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I wrote letter to collection agencies to verify that I owed the debt and I received only copies of the statements from original creditor but no signed document was provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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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 2020-10-19
Company: Experian Information Solutions Inc.
State: VA
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: Investigation took more than 30 days

Complaint:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2023-09-13
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I AM CURRENTLY ENROLLED IN A DEBT SETTLEMENT PROGRAM. I HAVE REPEATEDLY REPORTED TO THE CREDIT CARD COMPANY THAT I AM IN THE PROGRAM, TO CONTACT THE LAW FIRM INVOLVED FOR SETTLEMENT PURPOSES. EACH DAY I RECEIVE MULTIPLE, MULTIPLE, MULTIPLE PHONE CALLS. I HAVE SPOKEN WITH A REP FROM THE COMPANY AND GIVEN THEM THE COMPANY NAME & CONTACT NUMBER. CALLS CONTINUE MULTIPLE TIMES A DAY EVEN WHEN I REPLY THE SAME INFO TO THEM OVER AND OVER AGAIN. I HAVE ALSO CONTACTED THE DEBT SETTLEMENT COMPANY TO DISCUSS MATTER. I AM RECEIVING CONFLICTING RESPONSES FROM THEM AS WELL. ONE PERSON STATES TO GIVE THE CREDIT CARD COMPANY THE INFO AND ON PERSON SAYS NOT TO GIVE THEM THE INFO. SORTA AT A LOST ON WHAT TO DO. THE LAST REP I SPOKE WITH SUGGESTED I TAKE THIS ROUTE. I HAVE OBVIOUSLY A FINANCIAL HARDSHIP I AM WORKING THROUGH TO GET SETTLED. 
THIS COMPANY IS COMENITY BANK ASSOCIATED WITH A XXXX CREDIT CARD.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17
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: Investigation took more than 30 days

Complaint:
In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the 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 reseller. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). 

The account with XXXX XXXX is not my account. I have contacted verizon on multiple occasions requesting a copy of the original contract which should include my wet signature and a picture copy of my ID. I have not been provided with this information. Please provide this information within the guidelines stated above according to the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-04
Company: CITIBANK, N.A.
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Citi Priority Savings & Checking account. Citi makes it difficult and time consuming to close the account unless you pay fees. 

The bank places unreasonably low ACH transfer limits to registered external accounts - a $ XXXX monthly limit seems designed more to prevent access to funds vs mitigating risk. 

So when closing the account, a customer is required to pay a wire fee, or wait 3 weeks for a check in the mail. That's correct, 10-15 business days is what Citi requires to send your funds - all AFTER closing the account and keeping the float. 

Further detail - i called on Friday XX/XX/XXXX to close the account. After indicating my intent i was placed on hold and the call was disconnected. I called back, waited on hold and was transferred to two reps before finding out how difficult Citi makes it to access funds and close an account. 

Citi makes it easy to deposit, and hard to withdraw. That stinks. 

It's practices like this that make consumer protection agencies necessary - and that's an unfortunate tax on us all.

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 2023-03-09
Company: AES/PHEAA
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
AES is reporting old AESXXXX accounts with a XXXX balance to my XXXX and XXXX credit reports that should have been removed after loan rehabilitation was completed on the accounts in XXXX of last year. These listing are also reported to the credit bureaus as duplicate accounts often, which significantly negatively impact my credit score and prevent me from renting a home for shelter and opening new lines of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: TRUIST FINANCIAL CORPORATION
State: FL
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:
My complaint is against Suntrust who I believe is now Truist Bank. My complaint is for Suntrust failing to take action to remove an unauthorized credit inquiry on my credit report from Suntrust. On XXXX 2021 I purchased a vehicle from XXXX XXXX. Before making The purchase by without the assistance of XXXX applied and obtained an auto loan using XXXX XXXXXXXX XXXX. While XXXX was processing the paperwork they made a mistake and applied for financing though several banks including Suntrust without my permission. XXXX has sent a certified letter to Suntrust and others explaining this mistake and ask them to contact XXXX to have this hard credit inquiry removed from my credit report. I have also sent a certified letter to Suntrust asking them to contact XXXX to have this inquiry removed because it was not authorized by me and is having a negative affect on my credit report, my loan applications and my acquisition of credit. I have since wrote several letters and made numerous phone calls to Suntrust since these first letters were sent. Suntrust has not responded at all. Each time I call Suntrust Im told the complaint will be forwarded to the Suntrust credit reporting department and Im given a reference number. Every time I call back for an update Im told the previous reference numbers do not bring up a case and I must start the complaint all over again. I have contacted XXXX and Im told I do have the right to have this inquiry removed since it wasnt authorized by me. XXXX also explained to me that ti have this inquiry removed the removal should be requested by the creditor that did the inquiry which is Suntrust. When XXXX made this error applying for loans in my name they applied to several other banks creating many credit inquiries. All of the others with the exception of one have contacted the credit bureaus requesting these inquiries be removed. So far most have been removed with a couple still pending with the credit bureaus. I am requesting Suntrust contacts XXXX Credit Bureau and asks that this credit inquiry be removed from my credit report since it was done in error.

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 2021-06-09
Company: PNC Bank N.A.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
1 ) Ordered item from XXXX. 
2 ) Item was hacked by someone in Georgia.

3 ) Notified XXXX that I did not receive the ordered item. 
4 ) XXXX reordered item. 
5 ) XXXX referred me to XXXX XXXX XXXX to buy a XXXX XXXX protection for my computer. 
6 ) Ordered XXXX with XXXX XXXX for {$290.00} for 2 years. 
7 ) On XXXX, I was contacted by XXXX XXXX stating they would credit my checking account {$390.00} for 3 years of XXXX XXXX protection. 
8 ) I cancelled the {$390.00} transaction because my contract with XXXX XXXX had not expired ( one more year to go till XXXX. ) 9 ) I filed a fraud complaint with my bank and your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Equifax and XXXX both are reporting inquiries to my credit report that are not mined. I am a victim of identity theft and I've sent a copy of the police report to Equifax by fax and received a confirmation that it went through, they're claiming they have not received it. XXXX  provided me a fax number that the confirmation confirmed was a poor line and was not successfully submitted, they advised me to mail in a copy, but at this point I dont have the time as I am going through escrow, I've worked with them to remove all inquiries that do not belong to me and to no avail. both have provided me confirmation numbers Equifax # XXXX XXXX  # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13
Company: ALLY FINANCIAL INC.
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My XXXX account was hacked and charges were made and chsrged to this card vause it wss on file with XXXX. I have tried severall times to get these chsrges removed from my card to no aviale they keep giving me the dispuites departmrnt even though its fraud. I want these charges removed from my account.

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 2023-09-13
Company: GOLDMAN SACHS BANK USA
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Apple card closed my account on XX/XX/XXXX and i had severall open dispuites with them. They have not given the money for my dispuites i have sent them documents showing that they never credited my account for the dispuites their are severall that were never added ro my account and i have sent in documents severall times the ammounts are as follows {$240.00} XXXX home depot as explained severall times their were two orders one was cancelled due to shortages and the money never refunded. 

{$170.00} home depot apple insists that the merchant gave me credit for this when it says on my statement that credit was denied when I log in it's showing A plus balance of XXXX and if you add the other three to that that they that they never did it will be {$900.00} and I wan na know how I go about getting that money back because my apple card was closed and this has been well long over 90 days. Im sending documentation and showing that this was never credited back that the XXXX never credited my account back and neither did apple because if it was I would have seen a credits in one of those and I am sending all the statements there and the XXXX XXXX and XXXX were never given credit by either apple or XXXX it does not show up on my statements I need to get this issue resolved and get this taken care this is going on five months and it seems to be every time I call I get a different answer from whoever answers the phone if you have any questions please give me a call my number is area code XXXX thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: Frontline Asset Strategies, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I pay the debt it was a pay for delete never was deleted then I got a call from a private phone the other day saying it was frontline assets the guys name Was XXXX telling he can remove it for {$100.00}. If I XXXX XXXX him the money sounds like a scam. I payed for a deletion I want it deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: NCB Management Services Inc.
State: PA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is a continuous debt collection that resulted in Identity Theft with a provided Police Report when XXXX XXXX ( try to collect ) as of XX/XX/XXXX 1. CFPB Reference Complaint XXXX XXXX. XXXX XXXX. XXXX NCB Management Service has made several attempts to Collect and pulling hard inquires report my credit report trying to collect a pay day loan that was a result of identity Theft ( Rise Payday Loan.

I have disputed this numerous of times and it was resolved in XXXX. The Debt Collection Agency again as of XX/XX/XXXX is trying to collect. 

Reference of Older Case in XXXX ( Resolved As Not My Account do to identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
A company called 5/3 Bank purchased my loan from XXXX XXXX. The new mortgage holder has recently paid the taxes on the house as required. This puts the escrow balance to a negative XXXX. This happens every XXXX when the taxes are paid. 5/3 bank has claims that my escrow shortage is {$7400.00} and because of that I must pay an extra {$610.00} monthly in order to catch up on the escrow balance. Their are wrong! Here are the escrow details. My annual insurance is {$1700.00} and the taxes are {$7300.00}. Which total XXXX a year or {$750.00} a month. But 5/3 bank wants me to pay {$1300.00} a month escrow. That calculates out {$16000.00} in escrow paid over the next 12 months. But the amount of my insurance and taxes combined is only {$9000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I talked with my representative return the car after it was deemed unreiable, representative stated that i could return and it wouldnt be put on my credit and that he would fix and resell then write off the rest but this was plafce on my credit worthiness

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 had my credit ran today XX/XX/2020 because I want to refinance my home but I was told I would be unable to do so because of two accounts reflecting badly on my credit history. The accounts are from XXXX XXXX for an amount of {$4900.00} and Child Support Enforcement. I have no idea what these accounts are for or who they belong to. I did not open them nor have I ever opened any other account with those companies. I did not authorize these accounts to be opened in my name nor did I benefit anything from these accounts such as money, goods, services or any other benefit. I did not take part in any purchases or payments that might have been made towards these accounts. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In early XX/XX/2019 I contacted Bank of America about my Alaska Visa Signature Credit Card. I did not like that I was charged interest when I paid my account on time. I was told that the interest was legitimate which I did not agree with and told them that I wanted to close the account. 

I called back in a couple days to close the account and was not told that the annual fee had been added to my final statement. 

When I received my final statement and saw the annual fee charged to a closed account I assumed it was and error and called B of A I was told that it was not an error since I had closed the account 2 weeks after the annual fee was posted. I offered to pay a pro-rated amount for the 2 weeks and was informed by two people that I would be required to pay the whole amount which I think is ridiculous.

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 2023-09-13
Company: JPMORGAN CHASE & CO.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Chase Bank has been blocking online access to all accounts for several weeks. They are forcing acceptance to a XXXX XXXXXXXX XXXX agreement. This PDF is 125 pages long! I do not have the time, patience, and possibly the competence ( due to the complexity and length of legal language within ) to fully read and understand such terms. This is an abuse of power by one of the few national banks, to a decades long customer.

Company response to consumer: Closed with explanation