BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I have a checking account with Citizens Bank that had an amount that was over {$17000.00}. On XX/XX/XXXX, I received a call from XXXX XXXX XXXX to notify me that a check in the amount of {$12000.00} was made under my name and under my account. The check was from Citizens Bank and it was cashed at XXXX  XXXX XXXX. I contacted Citizens Bank right away. I went to the Citizens Bank branch that is in XXXX Massachusetts. They made me file a claim which did by phone. They also made me filled out two declaration forms which I did and answered the questions at best of my knowledge. They did received both of the declaration forms. I called the claim office on XX/XX/2023 for an update, the person that I spoke to insisted on telling me that I was the one who wrote the check which I honestly didn't. A fraudulent check was made under my account and under my name. Citizens Bank is showing no interest in giving me back my money or finding a solution to the problem

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: SYNCHRONY FINANCIAL
State: MI
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 accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC1681, section 602, which states that I have the right to privacy. 15 USC 1681, section 604 ( a ), section 2, also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ), a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-17
Company: SYNCHRONY FINANCIAL
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I do have a paypal account but I never applied for a credit card or anything else to do with paypal. 

I would like them both removed. So how do I get them removed?

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 2020-06-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
ALL THREE CREDIT BUREAUS SHOWED MY POSITIVE HISTORY ON MY XXXX XXXX CARD ACCOUNT XXXX - NOW IT GOT REMOVED AND MY CREDIT CARD COMPANY SAYS IT IS REPORTING AND IT DOES NOT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. All of the following inquiries should be removed from my credit report immediately : 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  XX/XX/2023

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-17
Company: Nelnet, Inc.
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Firstmark has stated to me in various calls and letters that they now own one of my student loans. I have requested debt verification on XX/XX/2021 via certified mail. The company has failed to verify the debt with me and has now made my account delinquent on my credit report.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: The Bureaus, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/2017 amount of {$490.00}. An account that was opened underneath my name I have no recollection of. I spoke with the collection agency and I stated I neve had the card. I spoke with capital one who was the original credit company. And they searched their records and they do not have any information of the application or the credit card being tied to my social. I followed their example and wrote the collection agency stating the facts. I as well wrote a written letter to all three credit bureaus and explained the situation. As well wrote capital one themselves per customer care to have it removed and they refuse to remove it. As well i feel and believe they are rebuying the collection report to keep it on my credit report for longer than it should be. I feel i am being abused by the company and they are not removing false information from my report. I even wrote the XXXX and they refused to respond to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13
Company: OPORTUN FINANCIAL CORPORATION
State: IL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
They are overcharging me for a last payment for a loan that got superseded/absorbed by a new loan. I made the payment, {$55.00} ( when my monthly payments are {$100.00} ) and they deducted it. Now they say it didnt happen. When I specifically spoke with someone, ordered the payment outside of my due date for the XXXX monthly payment. And today I just got another call and I explained the situation, and they said that the XXXX went to the new loan. And want to charge me XXXX AGAIN. After i just paid my XXXX  monthly payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-09
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant XXXX XXXX XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to 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 2023-10-05
Company: LEXISNEXIS
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This communication is in reference to my LexisNexis Accurint Report dated XX/XX/XXXX, Consumer Number XXXX, Case Number XXXX. 

This communication shall serve as my formal written notice to LexisNexis that my LexisNexis Accurint Report contains numerous inaccuracies. Additionally, this communication shall serve as my formal written request for LexisNexis to remove the inaccuracies that I have identified in my LexisNexis Accurint Report. 

The item in dispute is the Outdated Drivers License Information that LexisNexis is reporting on my LexisNexis Accurint Report. 

This is my second notice to LexisNexis regarding the Outdated Drivers License Information that LexisNexis is reporting on my LexisNexis Accurint Report. 

This information is outdated because the item in dispute expired in XXXX. Additionally, I have NOT lived at the listed address in over 21 years! 

I kindly request that LexisNexis promptly rectify the inaccuracies that I have identified in my LexisNexis Accurint Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Experian Information Solutions Inc.
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: 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 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 2021-06-17
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
In 2020, upon receiving a points incentive XXXX XXXX points XXXX to renew my American Express Platinum card for a {$550.00} annual fee, I agreed to renew my card for another year. 

This year, I tried to cancel the card but American Express told me I would have to return the points given last year if I cancelled it. The reason given is that the condition of receiving the points was that if I were to cancel before the year was up, I had to return the points - the representative calculated that because I agreed to renew the card on XX/XX/XXXX, I had to cancel my card on XX/XX/XXXX in order to not have to return the points. HOWEVER, I was told that I have to cancel my card PRIOR to XX/XX/XXXX, i.e. by XX/XX/XXXX, in order NOT to be charged the {$550.00} annual fee, as that was the deadline I had to cancel the card and not be charged for the annual fee. So this difference of ONE DAY, due to some kind of technicality in calculating the days, is making me unable to cancel my card without the penalty of having to return the XXXX points I was given for renewal ( and I've already spent the points ) and I think this is unconscionable and a way of forcing card holders to keep renewing a card that they no longer wish to renew.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-11
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Rushmore Loan Managements Loss Draft reimbursement process has intentionally delayed reimbursements payments for many weeks to months multiple times. The most recent incident is as follows. 

XX/XX/XXXX three paid in full invoices were submitted for reimbursement and I requested a final inspection. 
XX/XX/XXXX a final inspection report of our home confirmed repairs were 100 % complete. 
XX/XX/XXXX I contacted the company to express concern to the failure to reimburse. 
XX/XX/XXXX I followed up as no reply to the above was received. 
XX/XX/XXXX a claim administrator contacted me to say that although the invoices were in their possession for 8 weeks, verbal confirmation of payment in full was needed. One vendor was reached. I contacted the second vendor and asked them to confirm payment in full. That vendor had no voice message to demonstrate an attempt by Rushmore to confirm payment. The vendor confirmed with me that they called and left a message confirming payment in full. 
XX/XX/XXXX I contacted the company again to request reimbursement. 
XX/XX/XXXX a third vendor confirmed payment in full. 
XX/XX/XXXX a partial reimbursement was received. 
XX/XX/XXXX I receive a call saying the final reimbursement will be processed and the process may take two weeks, plus based on previous reimbursements, three weeks to mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
On XX/XX/2023 Fisrtmark Services sent me a stamente on the following the oustanding principal balance was {$6400.00} the interest was {$60.00} the company was unable to explain why the payments was handled in this manner I told them the discrepancy was arbitrary and innacurate. On XX/XX/2023 I received a new statment with corrections on the oustanding balance the new amount was {$5700.00} the interest was {$59.00}. How I am going to trust FirstMark Services? based on this enormous discrepancies charges on my loan? Is obvious to me that they are mishandling the payments. On XX/XX/2023 I sent a payment in the amount of {$1700.00} the company charme for {$800.00} to paid the supposedly oustanding interest of my loan the remainder of {$950.00} was towards the principal. even though I have not received any statement they the company claim I still owe an oustandi interest of {$59.00} for the current month of XXXX. Every time I called the company give me a different balances o denied I have made payments or simple hang up. Is very frustrating dealing with this company who has demostrated a luck of integrity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
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: Account information incorrect

Complaint:
As of XX/XX/2020 my Equifax score was a XXXX. On XX/XX/2020 that score dropped XXXX points to a XXXX. This drop was supposedly due to a credit limit decrease with XXXX XXXX from XXXX to XXXX. However at the time this credit limit decreased my credit balances decreased by {$860.00} ( itemized and listed below ) which should have been enough to sustain my score instead off causing it to do take a tremendous dive. Additionally, I received a credit limit increase of over {$4000.00} for my XXXX XXXX XXXX I have also received XXXX other credit limit increase and my score has still not gotten back to normal. 

When this incident occurs my Transition score was not affected and is still a XXXX. Please fix this reporting issue. 

XXXX decreased by {$240.00} XXXX XXXX XXXX decreased by {$65.00} XXXX XXXX XXXX XXXX  decreased by {$10.00} XXXX XXXX XXXX XXXXed by {$540.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XXXX XXXX I closed my account. They informed me that I had a late fee of XXXX to pay. Told them I just sent you a payment for XXXX, I pay you XXXX every other month. My payment is just XXXX a month that I charge every month. So that day I went to the post office and sent out the check for XXXX certificated mail # XXXX. They received the check on XXXX XXXX signed for by XXXX XXXX. I never heard from them or got a statement at all in XXXX. On XXXX XXXX, they still haven't cashed the check for XXXX ( certificated mail and signed for as stated above ) so I stopped payment on that check and sent out a check for XXXX. I sent out a letter with proof asking the company why they still haven't cashed my check for XXXX, that enclosed is a check for XXXX sent out certificated mail # XXXX and tracking # XXXX account ending in XXXX enclosed all this information on the check too. I went to the bank today and they just cashed my check from XXXX XXXX, for XXXX, they signed for it on XXXX XXXX, XXXX XXXX I got a bill for XXXX. They are still charging me a late fee on top of late fees. Plus every day they call me none stop. I have no idea why, when all they had to do in XXXX is just cash the check for XXXX that they signed for and that would have been the end of it. But no they just had to harass me every day by phone never saying hello or never leaving a message either. They started this problem not me. This is a bank every one should be aware if how Comenity Bank is treating people. I would never do business with them again and I think every one should close there accounts with Comenity Bank and let them go under. They have XXXX different cards, close all XXXX different cards. They don't deserve anyone 's money, if they want to treat people this way for paying there bills. Shut them down.We all have the power to shut these companies down when we aren't treated right.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-13
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-11
Company: EOS Holdings, Inc.
State: MD
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:
Its been over 7 years since XXXX is trying to charge me for equipments that I never had and an account that was base solely on fraud. There is a third party call EOS/CCA base in Massachusetts : www.eos-ca.com. My account # XXXX. 
Current creditor : US asset management inc. 
Original creditor : XXXX The whole thing was a scam base on nothing. I want these collectors to stop sending me to collection bureau every month. 
Best regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX md XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: AMERISAVE MORTGAGE CORPORATION
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a refinance with AmeriSave Mortgage. They offered me a 2.25 % 5 years arm on a VA loan. After submitting all the required paperwork, they increased the arm interest by a half point to 2.75 %. This is obviously a bait and switch. The only reason the company gave after 10 weeks is that the product is no longer offered. Checking the reviews online, it looks like AmeriSave has a history of bait and switch in its past and I guess they haven't changed their crooked practices. My advice to anyone considering a loan from AmeriSave Mortgage is to run the other way. No matter how good the loan sounds, they will just change the terms after about 3 months.

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 2021-11-04
Company: AmeriHome Mortgage Company, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Over multiple instances with mutlpile months Amerihome mortgage company has taken double the payments from me. They have reversed each payment however now in XXXX they say I didn't pay them in all still again taking a payment twice in the same month. Now my mortgage payment is 34 days over due effectively messing with my credit score which is when is starts becoming a bigger deal. I was on hold with there company just for them to tell me they sent me a check that I never received. The supervisor refused to speak to me and just the the original person talk to me while he spoke to her in the background. I was upset or angry I was just trying to be professional about this whole situation. They told me they would fix the issue remove the latest fees but it would take a couple weeks. This company just doesn't seem to understand their own system or the way or works and just has me sitting on hold forever. For them to do this not once but three times is just unacceptable and them to never answer to the phone or just have some.kinda answer just shows there professionalism I'm honestly not sure I want to even be part of a company that doesn't even understand it's owns customers or systems or show the slightest concern for the issue. This company has shown me they really couldn't care less about the consumer.

Company response to consumer: Closed with explanation