BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
1. I sent a letter dated XX/XX/XXXX and addressed to TransUnion to the following address, TransUnion LLC Consumer Dispute Center, XXXX XXXX XXXX, XXXX, PA XXXX in regards to incorrect personal information on my credit report. In the letter, I informed TransUnion of the incorrect personal information. 

I requested the information be removed to display only correct personal information. I received a response letter dated, XX/XX/XXXX from TransUnion stating the following : " We applaud your recent efforts to take charge of your credit. We want you to know we're on your side, and we're here to help support you on your path toward credit health. We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party ... ... ... ... ... .. '' In their letter, they also requested a credit repair company identify themselves by providing proof that I gave authorization to a credit repair company to communicate on my behalf. 

There is no credit repair company or third party. As I sent the letters, it appears TransUnion responded to my request to buy themselves some time and declined to correct or remove the information. 

As I reviewed my credit report today, TransUnion recently added and updated my name as it is on the letter I sent to them and also did not remove the other incorrect information. My name is incorrectly spelled and I only go by one name. I want my personal information correctly reported. 

2. I sent a letter dated XX/XX/XXXX and addressed it to XXXX to the following address, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX in regards to an outdated address on my credit report. In the letter, I informed XXXX of the outdated address and requested it be removed. As I reviewed my credit report today, the outdated address is still on my credit report. I want my personal information correctly reported including current information, not outdated information. 

It has been well over 30 days and neither credit reporting company has corrected the errors as I have requested.

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 2020-12-25
Company: Fidelity National Financial, Inc
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I received a response from Chicago Title and did not receive what I requested. Chicago Title sent me back a copy of the mortgage I picked up from the Chicago Title XXXX N.J. Office. The title policy legal description is no where near the same as the deed location. I HAVE REQUESTED AND NEED A COPY OF A VALID CHICAGO TITLE POLICY THAT IS INSURED BY CHICAGO TITLE. I certainly don't need a copy of what I had emailed them from the beginning.

Please send me the Title Policy that is insured by Chicago Title for XXXX XXXX XXXX XXXX, N.J. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The main issue with what's going on with all these communications is I am being confused with that of my Dad due to us having the same name. First of all, it has been years since I had any credit cards. I had cancelled them all in the past when i was younger. I am getting notifications in the mail ever since i left My Dad 's house and his mail has been coming to my address for things that are not mine. His bank statements, his medical bills, and other forms of mail are coming to my house. 
I am getting mail from Portfolio Recovery Associates LLC for a debt that I'm pretty sure is nothing to due with me. I never had a XXXX credit card. I know that for a fact. This is becoming a nuisance now and needs to stop. I recently received a letter from them about a execution order toward a job i don't have anymore which is even funnier. They have the wrong person to begin with!!! Me and my dad have the exact same name and there has been alot of confusion with the identity between us both. It has become to a point where its seriously starting to effect my stability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-26
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2020, I discovered that my online bill pay scheduled recurring payments were showing up as 'cancelled ' 7 days after showing as 'completed '. 
I requested assistance with this issue from SunTrust several times, and to this date I have not only NOT received any help, but I have discovered several more problems with my account, caused by XXXX, difficult, and nasty CSR 's.

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 2023-10-13
Company: U.S. BANCORP
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX recently implemented changes to data availability to third-party websites, apps, and data aggregators. Rather than allowing third-parties to scrape their data, they are instead now funneling all of that to XXXX, which was at one point their own firm that they spun off and are heavily invested in. 

With this change, XXXX is taking choice out of the consumer 's hands when it comes to data aggregators and forcing them to use aggregators that XXXX itself has a vested interest in seeing succeed.

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 2021-09-17
Company: Southern Management Systems Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Southern Management Systems is a third party debt collector that has been illegally harassing me trying to collect debt not owed since XXXX in the amount of {$2000.00}. Using debt validation letters I finally got them to cease and remove all negative marks from my report on XX/XX/XXXX. I have not been able to get an apartment or home since XXXX because of this company. Ive had to live with friends and family the last 5 years because this company ruined my reputation by furnishing false information on my consumer report. A deletion is an admission of the fraud being committed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XX/XX/2021, I entered into a payment arrangement with XXXX ( Capital One ). 3 Payments of $ XXXX and then my balance of over $ XXXX would be XXXX. This is due to Covid-19 and their plans in place to help. I having been effected greatly by Covid-19 was very excited and very detailed with the rep over the phone. I had made it clear that this was to take my balance down to XXXX, and XXXX  and I would be good. The rep stated " YES '' several times. I asked when I would get a paid in full letter, and the rep explained it would be a few weeks after the final payment on XX/XX/2021. So, XX/XX/2021 rolls around and I get a bill in the mail. I called in to ask about it and they said it would take up to 90 days to get a paid in full letter, and that the bills are auto generated. XXXX of 2021 comes I get another bill, but disregard it. On XX/XX/XXXX I get a call from Capital One asking how I am going to pay my XXXX bill. I explained to the rep I had a settlement, and the rep stated I did not. Stated I was in a " build a plan ''. This is the first I heard of this and now Capital One ( XXXX ) is saying their was never a payment plan. When I ask for the transcript for the call, they tell me I need to get a lawyer for it. I have called and talked with several managers all saying the same thing. There is no error on our part and to get a transcript of my call I need to get a lawyer. I asked them, " If their was no error on your part, then why not supply me with a transcript of the call? ". To this day they will not give me any more information on my account with the phone calls they made to me and recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
FCRA violations : accounts not mine XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 7 years 7 months 26 days XXXX XXXX, XXXX : XXXX View account details Account status Age of Account Late payments Closed 4 years 5 months 5 days XXXX XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 12 years 1 month 16 days 3 FCRA violations : inquires not mine XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX  XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX  Dispute this Address Date of inquiry XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: NCB Management Services Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
XX/XX/XXXX I submitted an inquiry for debt validation of an account I did not recognize as valid on my credit reports. I received a letter post marked XX/XX/XXXX with copies of paperwork I do not recognize and a signature that is not my own. Within this documentation is no legal binding proof of identity which was explicitly requested. Furthermore the documentation provided references XXXX and not NCB Management Inc, in which I do not owe and have never owed. NCB continues to report and attempt to collect a debt that is not owed to them or by me at all. I've since disputed this reporting with XXXX, XXXX, and XXXX to no avail. This negative inaccurate reporting is hurting my credit worthiness and affecting my life. 

I am asking for a correct review of this file and that correct information and proof be provided and or reported which is my right as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: SYNCHRONY FINANCIAL
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Im beyond furious with another payment returned. Check out the emails Ive enclosed. I dont have accounts with XXXX XXXX or XXXX XXXX XXXX linked to PayPal Credit. 

My default auto payment is XXXX XXXXXXXX XXXX XXXX. While settling in with family for XXXX XXXX, I saw these emails. I quickly made payment from XXXX XXXX XXXX, XXXX XXXX to me Synchrony! 

Im escalating this to the CPFB as well. My account with XXXX is in good standing and has been funded when these payments were presented. 

Im asking for refund of any fees ( returned item and late payment ). 
Im also asking the account be closed to advances per my instruction and my credit report note as such. The closed by creditor is a negative on my credit file and this closure has not been my fault. 

Im planning to pay off by XX/XX/XXXX to avoid deferred fees and will have to consider whether to give PayPal and Synchrony any of my business with this continuing horrible service 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 monetary relief
Consumer complaint received 2023-10-16
Company: Bread Financial Holdings, Inc.
State: OH
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:
I seldom use my Comenity Bank, XXXX XXXX credit card. I made a purchase with this credit card on XX/XX/2023. I did not receive a statement for this purchase and since I rarely use this credit card its not setup for auto pay and I didn't think about it. When I realized I never got a bill I called Comenity Bank and told them I haven't received a statement, they apologized and waved the late fee and I paid the bill in full over the phone on the same call I made to them. Later come to find out the late payment was reported to the credit bureaus. I filed a credit bureau dispute and asked Comenity Bank update and remove the late payment credit reporting. They sent a letter saying they were unable to make any adjustments to my payment history. I called and requested documentation on how the came to the conclusion they were unable to make any adjustments to my payment history but I never received any additional information. I then disputed the credit reporting with the individual bureaus but Comenity Bank still would not adjust my payment history or give me any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 7. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft

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 2019-10-04
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/19 I made an error that has now caused my funds deposited on XX/XX/19 to be frozen for 10 days. 

I inadvertently transferred money from one account to another, only problem is I to the to and from backwards. As soon as I hit the OK button I realized what I had done. I called Wells Fargo to see what my options were. 

My options were to put a {$31.00} stop payment on the transfer, which didn't make sense because I don't have {$31.00} to spare. Well the XXXX transfer out of my checking from the other account hit so I called to see if we could do an {$18.00} reversal, it was an error on my part, however ; it happened. 

This error has sense caused my checking account to accrue 6 or more overdrafts which now Wells Fargo put a 10 day hold on a deposit that I depend on to pay my bills, get medications, doctors appointments. 

I have explained to Wells Fargo that I am XXXX, do XXXX to try and offset some of my expenses until Social Security makes their decision. 

I have set a lot of bills to be paid automtically, hence the Overdrafts. Once I received the email that they were holding my funds. I called and explained to them I am XXXX and need those funds for XXXX purposes and Bills. 

Being continually penalized {$32.00} for bills that I have set to pay automatically, while the money is there I find ridiculous. 

They have told me once the hold comes off they can give me partial credit for the overdrafts. That is not going to help someone is XXXX and unable to make a living.

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 2023-07-12
Company: MORGAN STANLEY & CO. LLC
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My troubles started when I had to change phone carriers. In the process I was given a new phone number. I had no trouble establishing my identity with XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX. E*trade insisted on sending me a 6 digit code to several different old phone numbers they had on file. They never gave me the option of responding via email with their codes. 
I contacted an agent who sent me my new new Morgan Stanley Debit card and said he'd try to erase all my old nmbers on file. I waited a week and again tried to log onto my checking acct and was again given a code, and again, to another old phone number. I tried anyway. By this time my account was flagged for what they term, " Unusual Activity ''. 
I called them again and was told to submit a Customer Verification Form with a copy of my signature on any State ID 's. I waited several weeks and tried one more time to access my checking account to no avail. I sent another verification form to them with my new driver 's license and my notarized signature by my local XXXX XXXXXXXX XXXX XXXXXXXX. 
I don't know what else to do other then seek out help from you. These funds are all I have as a retired veteran. I've already been charged {$100.00} for two small checks I wrote to pay my water bill returned for insufficient funds. Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Genesis FS Card Services, Inc.
State: DC
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  Account # 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 explanation
Consumer complaint received 2021-02-08
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Huntington Bank without notice, any court order or other legal means capriciously seized all my funds in a checking account I've had for decades. When I attempted to transfer my funds to another bank, Huntington Bank blocked the transfer. I'm a permanently XXXX former state XXXX and rely upon very limited SSI. Huntington Bank seized stimulus money and could provide no explanation. I can not pay my bills and insurance and am at financial risk of peril and/or becoming homeless. The lady from the Huntington Bank Risk Department could not release my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: CITIBANK, N.A.
State: NV
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 already had a Best Buy credit card, and when i XXXX  to a new state I did not get a new card in time. They have a cool feature that if you give them your social they can look up your card info and charge that Bestbuy card digitally. The person ringing up my items tried to get another card in my name, or just negligence on his part but he ran another credit card resulting in a bad pull. I was denied obviously since I already had a card, but the inquiry will not drop off for two years. I have emailed citi Best Buy services during the time of XX/XX/2022. They told me it would take 90 days for them to respond to the claims. Ive been trying to reach them for months with no updates, and the hard pull is still on my record.

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