BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-12
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I am writing to complain about the unethical sales practice of this financial institution. 
I opened my account when it was Onewest Bank with the banker, XXXX, at the XXXX branch to help with her deposit goal a couple years ago. During account opening, I asked if there would be fees on the account and she told me not to worry about it. I never received bank statements for this account and thought she would take good care of my account. Last XX/XX/XXXX, I thought of using the remaining funds in this account for property tax payment. 
Since I lost my access to online banking after the merger, I called Customer service to try resetting my online banking. There was a system issue and the person on the phone was not able to reset online banking for me. Instead, he provided me the account number and routing number so I can use the account for ACH payments. I confirmed with him that my account would be fine/no fee after the tax payment of {$10000.00}. 
After several months, I decided to use the account for a card payment on XX/XX/XXXX. To verify if the payment applied, I called customer service again on XX/XX/XXXX. The representative helped me reset online banking and I noticed there are multiple XXXX XXXX/monthly charge on my account since XX/XX/XXXX. After an hour of research by the phone representative, she finally found out the charges are costed by the balance requirement. She agrees that the charges are not ethical and should be taken care of but unfortunately, she has no access to service this account as Trust account must be handled by the local branch. 
Since the XXXX branch is closed after the merger, I went to the XXXX Branch and spoke to the bank representative. She mentioned that there is no authority limit to credit these fees and sincerely apologize for the how unethically the banker setup the account. She spoke to the branch manager and suggested me to send her an email regarding the complain. I sent her the email regarding the fees on XX/XX/XXXX and I thought someone would handle it. I waited over a month and decided to go to the branch and close out the account today. 
These fees should never occurred if my online banking does not have issue due to the merger and how I did not have access to my account since the merger occurred. When I called customer service, I would expect he would be knowledgeable to explain the account requirements/possibly down grade my account so these {$300.00} in fees would not happen. The local branch should be handling the complain and escalation since XX/XX/XXXX but no one at this bank cherish a client relationship but opening account unethically to meet their goals. I am super disappointed how First Citizen Bank handles legacy OneWest Bank account and glad that I would never do business with this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I sent dispute letters to investigate inaccurate information I've found on my credit profile. It's now XXXX of XXXX and I've never received a response to my request, no investigation has begun and no response has been sent.

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 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 my NUMEROUS request that I have been a XXXX XXXX XXXX XXXX and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$6300.00} XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$330.00} ARS ( Original Creditor : XXXX XXXX  XXXX XXXX XXXXXXXX ) XXXX Balance : {$620.00} XXXX XXXX Balance : {$110.00} XXXX XXXXXX/XX/2022 XXXX XX/XX/2022 XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022

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 2021-10-25
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:
Each bureau is responsible for ensuring that they are accurately reporting info on my credit report. Ive reached out to equifax previously and informed them that the account from child support doesnt belong to me. I even sent a letter to the address equifax is reporting is not EVEN FOR CHILDSUPPORT ITS FOR AN AGRICULTURAL COMPANY in XXXX. So anytime equifax has said theyve verified information as account theyve clearly been lying because the contact info equifax has for me to reach out is WRONG!!! Ive attached a copy of my credit report along with they letter I sent out to child support trying to get this removed from my credit because equifax is reporting inaccurate info Ive also attached a copy of my Id and social and any other info so that equifax doesnt lie and say they cant find me in systems

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: Convergent Resources, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Convergent sent a notice of collection for debt with XXXX XXXX XXXX XXXX for over XXXX in which I have never done business with. I asked them for an original contract with my signature and they could not produce any documents. I asked them to provide any evidence showing amounts service etc. they did not provide. This company is illegally targeting and trying to collect debts not owed. I have also contacted the CFPB and an attorney to resolve this debt scam immediately. They are aggressive attempting to collect on the debt that is not mine in first place. I contacted Them as soon as I saw this collection on my credit report. They could NOT find any negative accounts in my name.. I still have my phone active and in current status with them I disputed this collection with convergent, the dispute was within 30 days of them notifying me and posting this collection on my credit report. Per Fair collections practices act I disputed this account within statutes of limitations and they should have removed it form my credit report immediately, but they ignored all of my letters and keep aggressively calling me on my cell, house, work and now at my parents house this is outrageous and should not be allowed. please help me stop these calls. I am also filing an official complaint with FTC I spoke with a representative who took all the information and I have sent all supporting documentation and recorded phone calls with threats and harrasments and their agents acting as law inforcement!!! Please cease and desist unverified collection account. And delete all false information immediately.

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 2021-03-16
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I asked about the available rate for an equity loan of {$50000.00} ( they initially offered over {$100000.00} ) ; and XXXX XXXX refused to answer. She refused to transfer me to someone who could. She hung up on me after being unprofessional.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: CITIBANK, N.A.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I closed my accounts with Citibank on or around XX/XX/2023. I was able to consolidate two separate accounts over the phone. I was told over the phone that checks for the remaining balance for both accounts, one with {$300.00}, and one with {$3800.00}, would be mailed to my address and should arrive in ~10 business days. I called again in late XXXX to inquire where the checks were, as I had not received anything and was told to wait another week as they get delayed in the mail sometimes. I called again in early XXXX and I was told to wait 1 or 2 more business days to receive the checks. On XX/XX/XXXX, I received one check dated XX/XX/XXXX for {$300.00}. The check for {$3800.00} did not arrive and is still outstanding. I called Citibank again on XX/XX/XXXX and received no additional information. 

I called again on XX/XX/XXXX and was told that they would void the check and send a fresh check to my address. The second check for {$3800.00} was issued XX/XX/XXXX and was due to arrive on XX/XX/XXXX. As of XX/XX/XXXX I have yet to receive either check for {$3800.00}. In speaking to the bank on XXXX XXXX, I was told they will void the second check and that I should expect to receive it on or around XXXX XXXX. 

My mailbox is locked and the only people with access are my immediate family. Neither check for {$3800.00} has arrived, and Citibank has no other options available for me than trying to send a third check. The representatives told me they would log my case and file a complaint within the bank to learn from this issue. No explanation could be given as to why the checks have not arrived. I have essentially lost access to {$3800.00} for three months which is a major detriment to my financial wellbeing, just because I do not live in a state with a Citibank office where I could've visited to close my account. This has been incredibly stressful and I do not wish others to have a similar experience.

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 2023-06-09
Company: EQUIFAX, INC.
State: CA
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-16
Company: Finance System of Toledo, Inc.
State: OH
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 filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 

I have already disputed these items, but the bureaus did not remove nor validate them.

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 explanation
Consumer complaint received 2021-10-25
Company: Experian Information Solutions 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:
This is regarding a letter I sent XX/XX/28 certified receipt # XXXX. Pertaining to XXXX accountXXXX. I informed Experian that this account was illegally reported on my report and that I disputed XXXX and never got a reply. I disputed it with Experian and I received a response that the account was updated when it shouldve been deleted. All other bureaus have removed except Experian Im asking for removal of account and Ive attached copy of letter I sent to Experian along with their response

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: Experian Information Solutions Inc.
State: NC
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:
Subject : Incorrect personal information To Whom It May Concern : I recently reviewed my credit report and noticed you have incorrect personal information in my file. Please use the documents Ive provided to update my correct full name and address. Also, please remove any names that dont match my ID. Please remove any addresses that dont match my current and valid address.

I have included the following information : Copy of my photo ID Proof of current address Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the FCRA requires consumer reporting agencies ( or CRAs ) to conduct a reasonable reinvestigation to determine whether disputed information in a consumers file is inaccurate. 


Under the Fair Credit Reporting Act, you have 30 daysto resolve a dispute. If the item can not be verified by the creditor within the time frame, it MUST BE be removed from the report. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2022-07-23
Company: MIDFIRST BANK
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: Account status incorrect

Complaint:
MidFirst / Midland Mortgage violated federal laws regarding the CARES ACT Forbearance and VA Partial Claim in that they charged unlawful late fees and other erroneous fees to my federally backed VA mortgage before and after the VA Partial Claim - even though my mortgage was never late, and then MidFirst / Midland Mortgage reported on my credit reports for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX that my mortgage was late, delinquent, and past due between 120-149 days as of XX/XX/XXXX ( which is fraud and lying as I was current on my mortgage when I received the CARES ACT Forbearance in XX/XX/XXXX and through XX/XX/XXXX ). MidFirst / Midland Mortgage then issued a threatening letter in XX/XX/XXXX - after receiving the VA Partial Claim payment in XX/XX/XXXX that if I didn't pay late fees and other erroneous fees by XXXX XX/XX/XXXX then they would call the entire loan balance due and begin foreclosure proceedings. We disputed these late fee and erroneous fee amounts and stated this was in violation of federal law, but we paid the fees with the request that the fees be refunded. MidFirst / Midland Mortgage continues to assess late fees and erroneous fees during the time in which the mortgage was protected by the CARES ACT Forbearance - thus continuing to violate federal laws with regards to the CARES ACT Forbearance, VA Partial Claim agreement, TILA, FCRA, RESPA, FDCPA, while engaging in Fraud, Lying, Extortion, Racketeering, and Conspiracy to Commit. MidFirst / Midland Mortgage illegal actions and violations of the law caused me harm as my credit report suffered by losses at and over 100 points in XXXX, XXXX, and XX/XX/XXXX. My VA mortgage account number with MidFirst / Midland Mortgage is XXXX. MidFirst is the parent company of Midland Mortgage and their contact number is XXXX. U.S. Government Official - VA Official XXXX XXXX has evidence to support and substantiate this claim and his contact information is ( XXXX ) and his telephone number is XXXX option XXXX, then option XXXX - extension XXXX. This information regarding violations of federal law and criminal activity by MidFirst / Midland Mortgage was reported to the FBI as of XXXX XX/XX/XXXX, as they are engaged in a conspiracy with XXXX XXXX XXXX XXXX, XXXX ( the former mortgage company between XX/XX/XXXX - XX/XX/XXXX ). The victim, a 100 % XXXX Combat Veteran can be contacted by telephone at XXXX or by email at XXXX or by mail at XXXX XXXX XXXX, XXXX, SC XXXX. ///NOTHING FURTHER TO REPORT///

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-02
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, I received a fraud alert message from TD bank attempting an unauthorised transaction for {$160.00}. Upon receiving that, I replied NO as a prompt and my card was immediately locked. I called them and since I needed a replacement card I ordered for a new card. On that day when trying to dispute the transactions they mentioned it was not posted in their accounts and that I have to wait until all unauthorised transactions was posted. Only on XXXX I could file the dispute for a total amount of $ XXXX I had informed the bank just few hours after the alert message not realising that my card was stolen. 
I requested documents pertaining to the exact time of the transactions, method of use of the card as in between those transaction there were my personal transaction by using the phone pay and whenever I use my card I always put a PIN no. in the stores. I didn't receive the details and my dispute was denied twice ( filed on XX/XX/XXXX and XX/XX/XXXX ) saying that there were " valid transactions conducted by me after the fraudulent transactions posted '' to which my question is I did use the new replacement card and my phone pay app all along for personal use and I don't understand their denial on that verdict. I also submitted a police report on the matter for reference of the bank. 
I also spoke to the technical team of the bank to get a clearer understanding and the unauthorised transactions are so apparent when I inquired the details of the transactions. 
They provided a provisional credit and I didn't use any of it as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24
Company: AMERICAN EXPRESS COMPANY
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I paid XXXX between XXXX XXXX. They should have applied anything more than the min payment to the highest apr they applied to the lowest apr. cash advance is the highest. Purchases is the lowest. They tried to say they can apply to purchase first bc each one has different rate that is a lie. They didnt apply my payment right and refuse to fix it.

Company response to consumer: Closed with explanation