BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-29
Company: Waypoint Resource Group, LLC
State: OK
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:
somebody placed a car in my name without me knowing and it got towed.

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 2019-05-03
Company: CITIBANK, N.A.
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:
had ID theft done hacking, sent all reports I had to move this has taken over my life SENT FTC, cfpb complaints noone will help just turn down after turn down not taken in consideration of the ID theft Banks telling to remove my fraud alert uneducated people that these people have hired that don't even belong in a branch have you guys really ever shopped your own banks? 
Walk into one very rarely do I get a trained profession. Cutting pay for what? to get people that don't XXXX about banking? You guys are the bread and butter of the American economy but you rather cut pay and make the government spare your expense cfpb should be the higher ups of the banks protect our economy not try to XXXX us. YES its sad to walk around with the knowledge I have and walk into a bank. XXXX when people are put in the wrong position I'm sure XXXX XXXXa wouldn't be a very good RB or XXXX XXXX a great WR, so put people in the right position to succeed. STOP having the government monitor every. You guys owe it to us get this stuff right no reason why you guys only do something b/c youre afraid of the cfpb do it b/c its the right thing to DOOOOOO

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 2023-01-20
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Columbia Debt Recovery LLC, XXXX Genesis has attempted to collect a debt I do not owe on behalf of The XXXX XXXX XXXX - Unit XXXX - Reference : XXXX relating to move-out fees. I've retained legal counsel, XXXX XXXX of XXXX, TX, who sent his most recent certified letter to this company dated on XX/XX/XXXX, to halt any collections activities or reporting. 

Today, XX/XX/XXXX, my credit alerts indicated that this company has reported a collections to the three credit reporting agencies and has dropped my scores in the excellent range ( XXXX, XXXX ) which is down XXXX points due to their false collections reporting. They've violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) and I want the collections permanently removed off of my reports as this is a matter that will escalate a lawsuit. 

Again, my attorney has sent Columbia Debt Recover/Genesis certified letters several weeks ago and has since attempted to call them I responded to their collections letter to formally dispute the debt that does not belong to me and contacted them by e-mail on XX/XX/XXXX and identified the debt for {$1200.00} for move-out related expenses to include a XXXX  speaker system, cleaning fees, etc. which were are fees that I do not owe. 

I've never had any responsibility to any portion of this debt XXXX is attempting to collect, and I have evidence proving this since Ive documented everything via video of my move-in and move-out, along with e-mails to management, and sworn testimonies of gross negligence by XXXX malicious, incompetent managers which are attached as supplemental records. 

I've also attached my XXXX  scores to include XXXX and XXXX from XX/XX/XXXX to XX/XX/XXXX. As you can see, my XXXX XXXX XXXX score dropped to XXXX and I've yet to see the damage this company has done to my XXXX XXXX score due to their negligence and lack of due diligence and responsiveness. I've also included my formal statement and exhibits.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/XXXX, I applied for a Federal student loan consolidation with direct loan and the SAVE income driven repayment plan.

My consolidation was processed, and MOHELA is my servicer.

About one month ago I spoke with a MOHELA representative because my loan had been in administrative forbearance since XX/XX/XXXX. I was advised by the representative that the IDR was still in process and there was nothing that I needed to do on my end. 

The forbearance was then extended to XX/XX/XXXX, and most recently, it was extended to XX/XX/XXXX. 

Today, on XX/XX/XXXX, I received a billing statement advising that my first payment is due on XX/XX/XXXX, in the amount of {$170.00}. However, according to my student loan account, the IDR is still processing as of today, so the bill that I received today, is incorrect.

Am I expected to pay my first student loan installment based on an incorrect billing statement?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I review a current copy of my credit report and show dept of XXXX showing late payment to student loans. Currently, I have never been late and I sent mulitple dispute inquiries with no successful updates and have past the require timeframe per FCRA. Please delete account of my credit report listed below. 

DEPTEDXXXX Account number:XXXX**** DEPTEDXXXX  Acoount number:XXXX**** DEPTEDXXXX 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 2023-08-15
Company: SYNCHRONY FINANCIAL
State: GA
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:
I am a victim of identity theft I have about XXXX inquiries that I don't recognize on my credit reports. XXXX or XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX 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 instruction 15 U.S.C 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a customer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2020-12-13
Company: Action Collection Agencies, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I contacted the retailer via email on XX/XX/2023 ( see attached email ) requesting a paid in full invoice for a generator installation at my home. The retailer responded back the same day that as soon as they see the funds deposited we will get the receipt out to you. I am a bit perplexed as Synchrony processed a purchase on XX/XX/2023 for {$7500.00} for merchant XXXX XXXX XXXX on Synchrony Home card ending in XXXX. Also, a purchase of {$5000.00} was processed with the same merchant on XX/XX/2023 to XXXX card ending in XXXX. I would like to receive a paid in full invoice from the merchant for my records. Please advise me when the above mentioned purchase amounts will be sent to the merchant.

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 2020-12-13
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2900.00}, {$370.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 

-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$370.00} -This is not 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 2021-03-08
Company: JPMORGAN CHASE & CO.
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I got scammed for XXXX for trying to order a puppy online XX/XX/2021. Long story short it was XXXX for the puppy. Upon arrival they added 3 different fees to receive puppy, that were 100 % refundable. I only paid 2 fees because when they asked for the 3rd one I knew it was a scam. Chase bank says that cant do nothing about.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Background : My father had a checking account with BMO. I was added to the account when his health got bad. He passed away in XX/XX/XXXX. 

As part of closing the account I was transferring funds out of the account but keeping it open as I was trying to track any bills/benefits/accounts he had connected to it, but had withdrawn much of the funds. Had an unexpected charge from his closed cable account which put the account negative {$130.00}. 

I contacted BMO through online chat on XX/XX/XXXX to ask how to close the account properly. I was told to transfer in funds so it was a XXXX balance, and then I could close it through online chat again. 

That same day I initiated a transfer using BMO 's website. I received an email confirmation that the funds would be pulled from my XXXX  account to BMO. BMO sent an email saying the funds were taken from the XXXX account on XX/XX/XXXX and would be available in the BMO account in another day. On XX/XX/XXXX, BMO sent an email saying the funds were credited to the destination account as of XX/XX/XXXX. 

The Issue On XX/XX/XXXX, I logged in to contact chat and close the account. I saw BMO had closed the account on XX/XX/XXXX, but stated it was closed with a negative balance and money owed, and they sent derogatory information to XXXX. 

I contacted online chat who refused to assist me saying they could not verify my identity, though just 10 days earlier I had communicated with them in the exact same manner.

I then spent 45 minutes waiting on hold to explain the situation to a customer service rep, who put me on a hold for a long period, and then told me I had to talk collections.

She forwarded me to the collections dept, which is just a voicemail box that tells you to leave a message and they will contact you back in 24 hours. I left a message with my contact info and explanation. Three days later I have received no response. If I log into the account it still says closed with negative balance sent to 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 2023-08-15
Company: Westlake Services, LLC
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Usautosales went bankrupt the account on my credit is paid in full due to the bankruptcy and westlake portfolio apparently took over the debt from usaautosales but we don't have a contract with them and they have added the payoff to be want I financed my car for a year ago and we can't get our titles

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
While I was at work some man stole my wallet and wipped out my bank account. I notified the bank immediately and was told a claim was being made and I could receive a preliminary credit of the funds taken seeing as I was STRANDED with no way home from work fast forward a week later and my funds have still not been credited back to my account and Im being told I have to wait for the investigation to conclude. However there is video proof I was not the one to make the purchases and a police report has been filed for theft of my bank cards

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 2020-12-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
So, I've been working on my credit since XX/XX/2020. I've made several efforts to pay my bills on time and add positive credit. I've managed to pay down my debt and have been fortunate enough to increase my score using good habits. 
Recently I've noticed that my score with Equifax went from XXXX to XXXX for no apparent reason. My scores with XXXX and XXXX have gone up on a steady basis. My scores with XXXX and XXXX are XXXX and XXXX. My scores with Equifax are Now at XXXX. I have examined my reports to see where things may be different and have yet to see anything that would cause my scores to be this low. My information with XXXX  is a mirror of Equifax. I've called Equifax to inquire about this and no one has answer. My scores have consistently gone up with the other bureaus and Equifax hasn't. I'm in need of assistance and this causing me not be a candidate for purchasing my first home.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: CITIBANK, N.A.
State: CT
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:
Attempted to dispute three transactions with Citi. 

Merchant advertised table top board games on XXXX and I placed three orders for 17 games total. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$62.00} It turns out company is well known fraudster ( XXXX ). This name was not associated with the original website that the games were advertised on but appeared in the billing description. Within a few days, the website that was selling the items disappeared off the web. They never sent tracking numbers or invoices. 

I immediately sent in disputes to Citi documenting how this is a known fraudster and despite this being easily verified as a scam, they have denied my dispute and the appeal. 

Merchant provided Citi with fake tracking info which does not match up with 15 board games being shipped. 

Games never arrived, I'm out {$150.00} with no recourse.

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 2019-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I never had credit or applied for any types of credit or loans. I recently downloaded XXXX and saw a couple accounts listed on my credit report that I have no knowledge of. I ask that these accounts be removed from my report because they don't belong to 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 2021-08-20
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: DE
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We applied for HELOC on XX/XX/XXXX. We were prompt with submitting the documents, but kept getting asked the same exact question about the difference in my XXXX vs XXXX income over and over again with no explanation why they kept asking. I gave the same answer every time. I had to demand that someone tell me what the difference was that they had an issue with, and none of the phone reps that I spoke to could tell me. After months of back and forth, it turns out that the underwriters ( multiple at this point ) did not look at all of my documentation, as I had uploaded multiple w2s for XXXX  as soon as w2 was requested in the very beginning of the process back in XXXX. This caused a significant, months-long delay and our contractor estimate expired for the work this credit line was for. Of course since material costs have gone up significantly, my new estimate has almost doubled. 

Secondly, I spoke with a rep on the phone, who scheduled our closing. The day before our first scheduled closing, the account rep ( different person ) called to schedule our closing. I informed him that we already had it scheduled for the following day. He replied that it wasn't scheduled and we couldn't close because the underwriters needed 3 days of notice. Fine, I rescheduled again, and this time - the day before - I was sent a request for most recent paystubs. I had provided these on three different occasions the first times we were supposed to close.

All of the details are documented in my account portal with Santander, and I'm sure there are plenty of phone records. This has caused me financial loss, and has damaged my credit significantly. The credit authorization I provided in the beginning had expired, so they ran my credit again without authorization.

I also suffer from severe XXXX  and other related XXXX XXXX that I don't want to disclose here, and this experience has caused me undue suffering and has been overall detrimental to my XXXX.

I have attached email correspondence, but the majority of the information related is logged in Santander 's systems.

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