BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-06
Company: Genesis FS Card Services, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Milestone continues to report inconsistent and incorrect payments history. I have disputed the account many times and each time they respond with a different payment history. The 3 credit bureau all have different information. Each month my account gets updated with different information that is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have had accounts with Suntrust for over 30 years. When they changed to Truist the online banking feature began having problems. On several occasions bills I had setup to pay via XXXX did not get paid. I went to the bank for help on XXXX occasions. They were aware of the problems, helped me and apologized. Just when I thought everything was ok, on XX/XX/22 there was a knock at the door. XXXX XXXX had come to turn off my power. They said my bill hadnt been pain in 2 months and was now due again.. 

I knew I had set that bill up to be paid in the usual Suntrust/Truist online banking app just as I had this bill and every other bill each month for XXXX + years. It was very easy to see my payment history in that app. I went to the bank yet again after cooling off for a few days.. I spoke to a banker that helped me before ( cant find his card ), and he tried to investigate. He called their Tech Support department and was not able to identify the problem. He asked the bank XXXX, XXXX XXXX, to assist. She offered assistance but could not identify the problem. 

They offered me a {$50.00} visa gift card. I told them the fees I had to pay XXXX XXXX were more than that. XXXX said if I could provide proof of the fees charged they were credit that back to my account. I immediately went home and emailed the proof ( attached ). I waited for the promised next-day call. I finally called them to follow up after XXXX days. I was told by XXXX that they investigated and found no proof that I attempted to pay those bills, so they would NOT reimburse me. 

I asked if it made any sense at all that looking at my credit history, and they knew they were having major issues with the online banking system during the transition, that I just decided not to pay mu power bill until they shut it off. They said nothing, which caused me to open new accounts with a better bank. 

Opening new accounts was no easy task. I had monthly checks automatically deposited, I had XXXX payments automatically deducted monthly. I paid my bills online. It will be an inconvenient dance for several months until everything is complete and I can work with XXXX bank. 

I am hurt that Truist thought so little of me that they let me take my money and close my accounts, including my credit card, checking and savings accounts for a {$75.00} fee they refused to pay.

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 2023-10-17
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting 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 victim of identity theft 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 items 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 items : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05
Company: CITIBANK, N.A.
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I called Citibank multiple times between XXXX XXXX XX/XX/2022 ( including chats ) to transfer money from my Citi XXXX XXXX account to close on a mortgage loan due to close XX/XX/XXXX. I was told so many different things by different representatives and feel I was truly misled. Here are a few of the things I was told : 1. You can't transfer money over the phone. You have to do an online transfer. 
2. You can transfer up to {$50000.00} per day. 
3. Our online transfer system is down. It is a known issue that we are working on. 
4. I can do a phone transfer for you. Please give me the routing and account number. I was put on hold and transferred back into the queue. 
5. You can only transfer {$10000.00} per day. 

I had to talk to multiple people just to get the complaint escalated into the Executive Response Unit only to be assigned to a trainee who had extremely poor customer service skills. When I asked to speak to her manager she told me no I had to deal with her. 

I finally ended up having to close my checking and savings account to get a cashier 's check so we could close on our house on time. I don't even know at this time how many representatives threw me cold transfer back into a queue to start totally over. I have no idea how many hours I ended up spending on the phone trying to get this situation resolved. I had been a customer with Citibank for 15 years. Not once did anyone acknowledge the fact that I was a long time customer. I also do not feel anyone in a leadership podition was truly made aware of my concerns or offered a true apology. 

I really would like to request every call ( or chat ) be reviewed between the dates mentioned above ( including every call segment where I was thrown back into a queue ) for quality purposes so that management can understand the opportunities they have with their employees! I also would like to receive a true apology for all I had to endure and the level of stress it caused.

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 2023-10-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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 SECOND request to dispute particular data in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm disputing have nothing to do with any transactions I've conducted or authorized in order to obtain goods, services, or money. Please remove the items listed below. 
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 according with the fair Credit Reporting Act XXXX Account # XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX # XXXX - XXXX XXXX, # XXXX - XXXX XXXX  # XXXX - XXXX XXXXXXXX, # XXXX - XXXX XXXXXXXX, # XXXX - XXXX XXXXXXXX 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 furbish an 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 non-monetary relief
Consumer complaint received 2023-07-06
Company: AUSSRQ Holdings, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Initially I contacted XXXX XXXX and let them know I had no idea what this was nor have I ever received any items from them personally. Time passes and now I'm receiving a collection notice I'm a debt collector company called oliphant USA I never shop at XXXX XXXX. Supposedly I bought some anti-aging cream I'm a XXXX XXXX XXXX XXXX man I don't need anti-aging cream nor have I ever bought anything of the sort I let them know this and they are insisting that the debt is mine which it's not I am getting extremely offended and tired of dealing with them and this fraud and do not wish for it to impact my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: MOHELA
State: NJ
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, my current employer completed the digital certification process to verify my ongoing employment at a 501 ( c ) ( 3 ) organization. This certification will increase my PSLXXXX qualifying payment amount from XXXX to XXXX, making me eligible to apply for Public Service Loan Forgiveness.

As the payment pause came to a close and my certification went unprocessed, I repeatedly attempted to contact MOHELA to understand the status of my employment certification, spending many hours on hold waiting to speak with someone. I was finally able to get through to a representative on XX/XX/XXXX and she acknowleged the delay in processing but said she wasn't able to see why my certification was still pending. She advised that she would place my loans in a processing forbearance for the time being, through the end of XXXX, to give MOHELA more time to process my documentation. I received a letter in my MOHELA inbox stating that my forbearance had been approved until XX/XX/XXXX. 

On the same date ( XX/XX/XXXX ), I received a billing statement dated XXXX in my MOHELA inbox, advising that I had a payment of {$580.00} due on XX/XX/XXXX. I assumed that this had been processed before the forbearance went through and disregarded it. 

As the payment due date approached, I called MOHELA almost daily. Because the tool that allows you to receive a call back instead of waiting in the hold queue is not functioning, I spent hours on hold over several days, never reaching a customer service agent. On Friday, XXXX, the payment due date, I waited on hold for XXXX minutes, interrupting an important work call to speak with the MOHELA rep once they finally answered. I asked him about the billing statement and he shared that my forbearance had actually NOT been approved and that I did, indeed, owe a payment due that day. He said that NO forbearance is allowed until the PSLF qualifying payment count shows XXXX, totally contradicting what the prior customer service agent shared. I received no correspondence from MOHELA notifying me that my forbearance had not actually gone through. 

The agent mentioned that there are significant delays in processing the digital employment certification submissions in particular, as the submission process was flawed, resulting in duplicate records being created, which now have to be manually resolved. He could not advise on the timeline for that resolution and told me there is nothing I can do, including submitting the verification in another format, as that would only create yet another duplicate record to be resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-02
Company: Credit Karma, LLC
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I was pre-approved for a credit card, I applied for a credit card via credit karma and got denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: Northwood Asset Management Group
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
The original creditor, XXXX XXXX XXXX charged off the debt and sold it to XXXX XXXX XXXX. Who then hired a third party, Northwood Asset Management Group to collect the debt. Mr. XXXX of Northwood Asset Management Group threatened me with criminal fraud charges if I did not pay either the full amount today or make arrangements today. They did get my debit card # information with the arrangements. But then, I started questioning whether they can do that to get their money. Thats not legal, after speaking with a consumer protection attorney in my state. I feel this debt collector broke federal law and wish for them to be pursued for their actions. Also, when I told them I could only afford $ XXXX/month, they refused that amount and forced me to pay them $ XXXX/month to keep from being criminally prosecuted. Which is illegal, also.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to express my deep concern and frustration regarding the numerous attempts to remove fraudulent items from my credit file. Despite my efforts to address and rectify this situation, it appears that unauthorized parties are persistently attempting to manipulate my credit report, raising serious questions about the security and accuracy of my credit information. 

On multiple occasions, I have observed and documented several attempts to remove fraudulent items from my credit report without my consent or validation. These actions not only jeopardize the accuracy of my credit history but also indicate a potential security breach. 

Despite the significant impact of these removal attempts, I have not received any communication from your agency to verify or authenticate such changes. The absence of proper verification procedures is deeply concerning and contributes to the ongoing vulnerability of my credit information. 

The persistent nature of these removal attempts has heightened my concerns about the risk of identity theft. I have taken immediate steps to secure my personal information, but I urgently request a thorough investigation to prevent further unauthorized alterations to my credit file. 

I am formally requesting that your agency conducts an immediate and thorough investigation into these incidents. I also seek regular updates on the progress of the investigation and detailed information on any actions taken to prevent and rectify the unauthorized removal attempts on my credit report. 

To assist in your investigation, I have attached relevant documents. I am asking for your assistance to remove these fraudulent items in my credit file : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-25
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
EQUIFAX MORTGAGE SOLUTION ( EQUIFAX MORTGAGE SERVICE ) labeled Miscellaneous meaing of various types or form different sources. I did not give any authorization for the process of that, different sources unknown using my XXXX information for applications etc. I applied for mortgage loan with XXXX this is an Act of an Privacy Breach, there is no reason i shall have inquiry from EQUIFAX based on mortgage service. Resulting in other mortgage services having inquiry on my credit file as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter on XX/XX/2018 ( dated XX/XX/XXXX ) from Franklin American Mortgage Company subject : Annual Escrow Account Disclosure Statement. Upon review, I noticed their calculation of anticipated annual disbursements was incorrect. They used the same amount for city tax as they did for county tax. In fact, the city tax was approximately {$2400.00} less than the figure they used to calculate a revised escrow payment. The incorrect escrow analysis resulted in a new Mortgage payment that was higher than it should have been. 

On XX/XX/XXXX I called Franklin American and spoke to customer service agent XXXX. He told me they would reassess on or about XX/XX/XXXX. On XX/XX/XXXX I fax 'd county and city tax documents to Franklin American as directed by XXXX. After XX/XX/XXXX, I called back and spoke to XXXX who told me there was still no change and to call back after XX/XX/XXXX, but hold making a mortgage payment till just prior to XX/XX/XXXX in case the monthly amount was reassessed. On XX/XX/XXXX I called and spoke to XXXX who told me to check back after XX/XX/XXXX. On XX/XX/XXXX I called and spoke to XXXX who told me an update had taken place on XX/XX/XXXX. They had received documents from the city of XXXX and it was now back in research. On XX/XX/XXXX I called and spoke to XXXX who informed me that the city tax number I had provided was accurate ( no kidding as I fax 'd that document on XX/XX/XXXX ). I asked to speak to a supervisor but was told that was not possible. She stated that a new escrow analysis would be done in XX/XX/XXXX and I would get a revised statement. She also said that my new monthly amount would be {$2600.00} and I would get a refund for any overpayments. I asked how the analysis could be done in only XXXX business days and how could she already have a revised mortgage payment if the analysis had not yet been completed. Her answers were unresponsive. Finally, on XX/XX/XXXX I spoke to XXXX and reviewed the entire litany of calls. He told me the statement had still not been updated. She would put in 2 tickets ; one, to update the escrow analysis and produce a revised mortgage statement and two, to have a supervisor call me. 

A few days later a call came from XXXX asking to speak to me. As I was on travel, my wife took her phone number and extension and told her I would return her call. I called on 2 different occasions, and left messages with all my contact numbers. On the third unsuccessful attempt to reach XXXX, I left a message stating that it was unnecessary to call me back as I was exploring legal action and filing a complaint with CFPB. 

As of XX/XX/XXXX, I have still not received any action from Franklin American Mortgage Company.

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 2020-04-06
Company: AMERICAN EXPRESS COMPANY
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX 2020, I made a transfer of {$500.00} ( out of my XXXX Federal tax return which was direct deposited into myXX/XX/XXXXServe American express Prepaid Account ) into my BankMobile Checking account ending in XXXX. Up until today, XX/XX/XXXX/20 there was a " processing transaction '' note including the amount on my Serve account statement summary. Serve by American Express will not respond as to what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Hard Inquiries on my credit report XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX 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 2022-03-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I received a billing statement for my credit card with Capitol One, Which is XXXX XX/XX/2022. While viewing the list of my consumer credit transactions I noticed a billing error. Capitol One failed to credit my account properly. I was billed {$500.00} and my Available credit showed {$0.00} when In reality I should have {$500.00} of available credit and a Balance of {$.00} Capitol One being a Creditor failed proper treatment of my credit balance and this is clearly explained Pursuant to 15 USC 1666d Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number.

Company response to consumer: Closed with explanation