BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-01
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Problem : Unable to access my checking account funds at Bank of the West ( BotW ) XX/XX/2020 : Applied for Bank of the West " Any Deposit Checking '' account online, received email confirmation. Used a XXXX debit card to fund the {$5.00} opening deposit. The debit card transaction was approved and funds were taken out of my XXXX account. 

XX/XX/2020 : Account approved and opened, received email confirmation. Immediately created my online banking account, was able to log in and see my routing and account number. 

XX/XX/2020 : Tried to log in to online banking via webpage and mobile app, both methods showed the error message : " Were Unable to Complete Your Request Our records indicate that you dont currently have any accounts eligible for Online Banking. If you believe this is an error, please call us at XXXX XXXX XXXX ), option 3 ( TTY XXXX ). '' XX/XX/2020 : Called XXXX ( XXXX ), spoke to banker about my problem. Banker told me that he was not able to see my account on his end, and would open a case inquiry to see why my account " disappeared ''. He said BotW would get back to me in 3-4 business days. I told him that it was important for me to access my account because they took my {$5.00} opening deposit already and I wanted to use the account to receive direct deposits from work. 

XX/XX/2020 : Still haven't heard back from BotW after more than 7 business days, so I decided to file a CFPB complaint because Bank of the West stole my {$5.00} opening deposit.

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 2023-07-17
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX my checking was hacked. Someone used XXXX XXXX and took XXXX XXXX The bank put a hold on the two old accounts and opened up two new accounts. Now the old account is XXXX $ overdrawn. The bank says I have to pay. Don't even know if the hacker got the money. The bank did an investigation and said I'm responsible. I called XXXXXXXX XXXX and they said there is nothing they can do. They said call bank. And bank says call them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-30
Company: ONLINE Information Services, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Online Information Services is now conducting fraudulent credit practices by updating information on my personal credit file without verification of data. Online Information Services has proceeded with fraudulent collection activities. They have added a collection on my credit file for XXXX, XXXX, and XXXX without validating the debt. I sent a letter to validate debt and hippa authorization. Online Information Services never sent back the information I requested. Letter was sent certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I mailed a physical check to JCPenney/Synchrony Bank which cleared my account on XX/XX/21. The check was cashed by them on XX/XX/21, but rather than submitting the physical check, they somehow transferred it into an electronic funds transfer. Upon trying to resolve this issue multiple times ( beginning XX/XX/XXXX when I learned of the transaction not posting to my account, I started reaching out to them to figure out how to resolve. On three separate occasions, I submitted the requested information and they have denied my claim. I have provided a copy of the statement showing the EFT as well as a letter from my bank with the pertinent information ( they keep requesting a copy of the physical check from the bank, but the bank doesn't have the physical check, only the EFT reference ). the company keeps saying that they can not approve my dispute even after receiving appropriate documentation. 

My email and mailing address are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 monetary relief
Consumer complaint received 2021-12-02
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hello, I sent 3 dispute letters to XXXX experian, and XXXX on XX/XX/XXXX disputing incorrect information from my credit reports and have not received any response as of yet. it's been 3 months, what is going on? I sent another letter to each of the credit reporting agencies in XXXX but, nothing again. From what I understand, if the credit reporting agencies don't respond they have to remove the disputed accounts, well, that is exactly what I am requesting - I want XXXX, experian, and XXXX to remove the accounts I disputed on XX/XX/XXXX which are XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and there is also an inquiry on my credit report that I never initiated from XXXX  on XX/XX/XXXX that I would like 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 explanation
Consumer complaint received 2018-04-20
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX we received a letter stating that our mortgage loan of several years from XXXX  had been sold to a company by the name of Mr Cooper. We continued to have our payment of {$450.00} taken out of our checking account by-weekly. Suddenly when the payment came out automatically on XX/XX/XXXXthe amount had increased to {$600.00}.

On XX/XX/XXXX I contacted Mr Cooper at XXXX. I spoke with a supervisor in there Ohio location. She explained that I was being charged more money due to the fact that I had no home owners insurance. At this point I told this person that I have never NOT had home owners insurance, that this payment also comes out automatically every month. She then stated that Mr Cooper had faxed over 4 separate letters to my insurance company XXXX XXXX  and that XXXX XXXX had not responded. I said, then why would you not contact the homeowner, she said because we do not have to do that by law. So at that point Mr Copper takes it upon themselves to charge you a fee for homeowners insurance. I said that is a terrible business practice and not the correct way to do business. She said that if I could get XXXX XXXX  to fax over proof of insurance that I would have my money back in 2 days. At this time I contacted XXXX XXXX, In speaking with the office manager She stated that she is the only one there and has not received a call or fax from anyone claiming to be Mr Copper. She then faxed them the appropriate information twice and copied me via e-mail.

On XX/XX/XXXX another payment was taken out by Mr.Cooper for {$600.00}. I then contacted Mr. Cooper again at XXXX I spoke with a woman by the name of XXXX in there Georgia location. She was in the insurance division apparently. She stated to me that she could see in the system where XXXX XXXX sent over insurance proof and that she would change the system to reflect this. She then went on to say that I need to call back in 5 business days, speak to someone in the escrow department to be sure that this is in fact fixed. I said, that does not make any sense, you told me you were fixing it right now. She stated, well I can only do some much just contact them in 5 days. Then I proceeded to ask, when will I receive my refund for the 2 over payments that total {$300.00}? She said, oh, well why would you think you would get this money back? I said, because I have my own insurance and you are charging me for your insurance. She said, oh you pay for your own insurance? I said, isn't that the reason we are having this discussion. She then said, well if in fact they do owe you money you will need to wait to call them in 5 days, then they will process it from there and that will take another 5 days. This is just unacceptable ....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Credit Reporting Agencies reporting inaccurate information to credit report affecting The information must be deleted from my report as soon as possible. The information is inaccurate and misleading and as such represents a very serious error in your reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-02
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Credit Reporting Agencies reporting inaccurate information to credit report affecting The information must be deleted from my report as soon as possible. The information is inaccurate and misleading and as such represents a very serious error in your reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: M&T BANK CORPORATION
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My Housing Counselor called the Lender to assist me with funding to reinstate my loan and they hung up on her. She called the same number found on the Mortgage Statement XXXX and the automated system said they were a Company called XXXX. I gave her 2 numbers that I had dialed on my cell phone XXXX and XXXX and they came up as XXXX as well. We reached a Rep and she said that they are like XXXX, information number. I dialed the same numbers on my cellular and reached Customer Service for M & T and my Housing Counselor was then able to get information about my loan.

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 2023-11-11
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Equifax and XXXX both refused free annual credit report. Called toll free help line and no help just phone tree loop. Requested free annual credit report from the 3 bureaus and only XXXX gave me a report. Request made XX/XX/2023 XXXXCST.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 dispute the inclusion of Delinquent Child Support Payments on my TransUnion credit report. According to the law, federal court rulings have determined that Delinquent Child Support Payments do not arise from a credit transaction and should not be reported on any credit report. 

I hereby request that you promptly review my TransUnion credit report and take immediate action to remove the following entry : Account Name : XXXX CHILDSUP Account Number : XXXX I request that you comply with the law and ensure the timely correction of this error. Additionally, I request written confirmation of the removal of the XXXX CHILDSUP account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: EQUIFAX, INC.
State: TX
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:
Two closed accounts Fraudulent accounts Which is generally defamation my name. I have tried several l times to correct this matter with both closed accounts. I tried to contact for fact finding!!!! XXXXXXXX XXXX  unknown account XXXX XXXX I was minor ..... Which is consumer abuse ( XXXX XXXXeeds to do a XXXX because i have not receive any form of payment in any form. This is negligent violation. I have over thirty one inquires on my credit file. XXXX XXXX auto / XX/XX/XXXX via auto loan XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX auto finance XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX Texas hot rides XX/XX/XXXX XXXX Fin XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX all inquries are double

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Experian Information Solutions 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:
This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$610.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$2000.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/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 2023-06-28
Company: National Credit Adjusters, LLC
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was living in the XXXX XXXX XXXX XXXX XXXX Michigan, and at the time I was visiting my daughter in Florida so I received a call from them stating that I was being evicted because my grandson had a bbq, and smoke got in the building, and the fire department report stated light smoke so upon returning home, i received an eviction notice. Ive lived there for 11 years. I got a letter from the apartment stating that there were damages done to the property, but there are some things that were not true about damages I never damaged the apartment, I also have pictures of my items damaged in my storage unit from a ceiling collapsing. Now Im homeless because of what is on my credit report and I am a XXXX XXXX XXXX with multiple XXXX and XXXX XXXX I need to be in a stable home please respond sincerely, XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: EQUIFAX, INC.
State: PA
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:
I have been a victim of identity theft. I recently reviewed my credit report to find request for information but this is all Fraudulent request. I have not applied to any of these places. Please review the attached FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: EQUIFAX, INC.
State: SC
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:
XXXX, Equifax, and XXXX ARE IN Violation of FCRA 15 U.S.C 1681a ( 3 ) RESTRICTION ON SHARING OF MEDICAL INFORMATION. The are reporting two collection accounts on my consumer report that is totally inaccurate from XXXX XXXX XXXX. Under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission for them to release my medical information to a third party.saying the account is verified without stating how this account was verified. As a consumer I have a right to privacy Under the FCRA, 15 U.S.C. 1681 ( 4 ) which states, There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality and a respect for the consumers right to PRIVACY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: Experian Information Solutions Inc.
State: NV
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:
I have no memory of this account XXXX XXXX Opened XXXX {$140.00} I have no memory of- XXXX XXXX XXXXXXXX Opened XXXX {$430.00}

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 2022-12-07
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: Account status incorrect

Complaint:
Citi did not send any notifications when a payment is due or past due. They went straight ahead and reported it to all credit bureaus for the 30 days past due without trying to contact me about the past dues in any forms of communications. I did make a full balance payment when I was able to log into my account a few days after the due date. I tried multiple attempts to work with the company ; however they refused to work on reporting to credit bureaus when I noticed and even lowered my credit line from {$7000.00} to {$300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hello, I sent 3 dispute letters to XXXX XXXX  and equifax on XX/XX/XXXX disputing incorrect information from my credit reports and have not received any response as of yet. it's been 3 months, what is going on? I sent another letter to each of the credit reporting agencies in XXXX but, nothing again. From what I understand, if the credit reporting agencies don't respond they have to remove the disputed accounts, well, that is exactly what I am requesting - I want XXXX, XXXX, and equifax to remove the accounts I disputed on XX/XX/XXXX which are XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  and there is also an inquiry on my credit report that I never initiated from XXXX on XX/XX/XXXX that I would like removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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