BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Hello I have been a citizen bank customer for three years, I enjoy most of my business and I can book with this company from a wide range of locations in my area or there Saturday hours are there reason why they had kept my business this far. But on Saturday XX/XX/2018 I make to wireless Deposits from my supplemental income or XXXX in the amount XXXX with my direct deposit from my employer after a few withdrawals I had XXXX I deposit the money into my account before XXXX  because I had problems previous about deposits not going into my account because they update there systems. I made sure my deposit was complete and was added to my account by logging in to the mobile app after checking my balance I rest assure that all my funds were in my account. But the next morning on Saturday XX/XX/XXXXmy account was about hundred dollars off I thought I missed Calculated What are spend. And we just keep an eye on my account I even transferred any money that was for bills and select second checking account so I knew what I was spending on Monday I seen all of my withdrawals were Set up and nothing was pending or on hold so I transfer my money back into my count as well as made a {$360.00} deposit cash the ATM but again the next morning my account Was lower than expected but the posit that I had made less than 24 hours  ago had a balance of {$100.00} lower than yesterday nothing was pending or should have been taken out of my account I waited for the banks are open I want to live in citizen bank on XXXX and XXXX XXXX XXXX I was humiliated made to look like a liar or a fool They tried to convince me that I spit something or something was still pending and was talking out of my account I try to explain to him that I had set the mobile app as well as my balance and what was in my account did not reflect the deposit that I made yesterday I asked for answers no one could give me any. I can home call the XXXX number and went over the Conversation once again the Agent could not explain to me where my money went I even spoke to a manager I try to explain that the mobile app it will show what has been withdrawn And the balance will reflect it but theres no purchases Or anything on hold Infacted I only made a mobile deposit in the last 24 hours they told me the could see any withdrawals so the only possible answer is the app was wrong about my balance

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-16
Company: CarMax, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX I submitted documentation ( FTC Identity Theft Report, Police Report, and Statement with clear identifiers ) that stated that CARMAX AUTO FINANCE account opened on XX/XX/XXXX with account number XXXX was opened by someone else that was not me due to Identity Theft. XXXX refuses to remove the account despite clear evidence booked by the XXXX XXXX Police Department stating that the account was opened due to Identity Theft. XXXX already removed the account from my report due to Identity theft. XXXX did not provide me with proof that the account was opened by me, and therefore it should be removed by Federal Law. 

In addition to Carmax Auto Finance, There are several accounts opened via Identity Theft that XXXX refuses to remove : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX. Please remove these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Millco Management
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Amerifinancial called me about a {$40.00} debt less than a week ago. They said it was for a doctors visit. I called the doctors office billing department, spoke to a man who reviewed the date of charges, and the doctors billing contact agreed i should not owe for that visit for blood results and it was billed incorrectly. He told me he was going to look into it, and will hold off on having it reported to my credit ( i specifically asked him to please review it ASAP so it doesnt go on my credit ) and he told me " not to worry about it, it wont go on your credit report ''. Well, Amerifinancial reported it to my credit on XX/XX/XXXX, not even a week later. I called them today and told them it isnt even confirmed as being owed yet... and that the doctors office billing representative informed me that he was looking into it and putting it on hold. The guy on the phone got agitated and started raising his voice at me after i explained to him that this is not even a confirmed debt and i am entitled to at least 30 days to confirm this / work this out with the doctors office. He also tried to make up every excuse in the book as to why they are allowed to destroy my credit on an unconfirmed debt. I am also in texas, which is a one party consent state. I told him at the very beginning of the conversation that i record all of my calls because of bad behavior by other debt collectors in the past. He got really upset and said he doesnt consent to being recorded, and then hung up on me. I called them back and the next representative hung up on me. This debt is not even verified yet and they are reporting it to my credit. I said up front, if i owe it, i will pay it. The first time they contacted me by phone was last week. They claim to have sent out a letter without tracking or verification, but i never received anything. The account is from XXXX, but i was just made aware of it less than a week ago. The doctors office isnt even done looking into it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: CITIBANK, N.A.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I partial disputed twice {$320.00} and shows up on my citi statement on XX/XX/XXXX as XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$640.00}, {$12000.00} XXXX pesos ( exchange rate ). 

On XX/XX/XXXX I paid online and got on email from XXXX  XXXX confirming my hotel reservation, the total reservation amount of {$12000.00} XXXX pesos, and the deposit that I paid the same day, XX/XX/XXXX, which was {$6200.00} XXXX pesos. 

I paid the deposit with my XXXX credit card, transaction date of XX/XX/XXXX XXXX XXXX XXXX in the amount of {$310.00} or {$6200.00} XXXX pesos ( exchange rate ). 

Yes, the merchants name shows up differently on the two credit card statements. 

After my stay at the XXXX XXXX XXXX, I realized they overcharged me because I had already paid half the total amount ( the deposit ), {$6200.00} XXXX pesos, using my XXXX XXXX  XXXX  on XX/XX/XXXX. On XX/XX/XXXX I should have only been charged the remainder of the total reservation amount, {$6200.00} XXXX pesos, {$320.00}. I reached out to the hotel, and they told me it was an error on their part, but they stopped responding to my inquiries shortly after and still are. Therefore, I decided to dispute the charge with Citi immediately. 

Since this was a partial dispute, on XX/XX/XXXX I paid Citi for what I owed, {$6200.00} XXXX pesos, half of {$640.00}. 

Citi denied my dispute twice and again after I sent in a letter explaining more in detail the situation. I disputed this overcharge immediately so Citi would have no excuses when it came to helping me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: DISCOVER BANK
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:
XXXX, XXXX, & XXXX  IS IN VIOLATION OF THE FCRA!! They are not properly VERIFYING consumer accounts. Per the FCRA furnishers are to verify and validate accounts by requesting/providing ACTUAL DOCUMENT PROOF BEARING A CONSUMERS SIGNATURE SUBSTANTIATING ALL CLAIMS/ACCOUNTS. THESE REPORTING AGENCIES ARE LAYZ AND ARE NOT FOLLOW THE PROPER PROCEDURES LISTED IN THE STAUES OF THE FCRA. IF ACCOUNTS ARE NOT PROPERLY VERIFIED WITH PROOF OF CONTRACT THE ACCOUNT ( S ) MUST BE DELETED IMMEDIATLEY!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: MT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am having trouble with making my payments with SPS, I had gone thru a financial hardship due to XXXX XXXX where I had lost income and suffered job loss during my time of being infected with XXXX. During this time, I kept communication with SPS where they placed me in a Forbearance program pushing my payments for several months. After my financial hardship was over and I was able to resume making my payments I applied for mortgage assistance and was later approved for a trial plan modification on XX/XX/XXXX. I received the trial plan modification documents and proceeded to make the payments on the account as instructed. My first trial payment was not due until XX/XX/XXXX I attempted to make the XXXX trial payment on XX/XX/XXXX thru XXXX XXXX ( Please see attached receipt of payment ) after I had made the payment, I called SPS to make sure the payment was received and applied. Well, after several weeks and after numerous calls trying to track the payment, they informed me the payment was not received even after I sent SPS the confirmation receipt thru XXXX XXXX. SPS informed me to try to send the payment to them again which I did and on XX/XX/XXXX I sent them another payment thru Wire using the payment instructions provided by SPS representatives. At this point I figured my account was fine after making XXXX payments thru certified funds. 

SPS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX -- XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : UT I then later received a letter stating they had closed out my Loan Modification due to Nonpayment even though I had made XXXX payments on the trial modification. Recently I applied again for assistance but within 3 days they denied my request and refused to remove the foreclosure date on my account set for XX/XX/XXXX. I feel this is in violation of XXXX XXXX Laws as stated on your CFPB site as well as a violation of my Homeowners XXXX of rights law set to protect me from lenders abusing and miss placing my payments and proceeding with foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Metro 2 Compliance and Oscar must be investigated and was not investigated per the company reposes. This is not lawful. Also invalid updates were done to accounts that have not changed including this account and an account from XXXX. IF these account were not in compliance they must be deleted this is causing harm to myself by allowing these companies to commit unlawful and non-compliant entries into credit reporting systems and instead of deletion allowing those same companies to damage myself again and again. These two items must be deleted.

Investigation was not an actual investigation. I demand a Metro 2 Compliance and e-Oscar investigation involving the following on my credit report : XXXX XXXX XXXX Account on my credit report XXXX it is showing past due balance and other items that are not in compliance with Metro 2 standards and must be deleted immediately.

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 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
My name is XXXX XXXX XXXX and I have been trying for the past 3 months to get an update on my credit and credit dispute results however, i keep getting beat around the bush with no updates it has been more than 30 days and no results from my investigation. Please see the attached documentation for my complaint towards the XXXX credit bureaus if they can not meet my demands I want the identity theft information I disputed on my credit report gone

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 2022-11-16
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage went from round point to fifth third bank. I received a letter about the the takeover. However, the company has not been able to give me access to my account online for over three weeks now. I have not been able to make a payment because I can not access my account. Fifth third bank continues to tell me that they can not verify me and that I would have to wait 30 days to verified again. I have never experienced not having access to my consumer account in a timely matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02
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: Credit inquiries on your report that you don't recognize

Complaint:
My complaint is regarding XXXX XXXX. They placed an unauthorized inquiry on my Equifax credit report on XX/XX/XXXX, This was not authorized by me, i was not contacted as is required on my Victim Fraud Alert. I am victim of Identity theft and this has been reported to the 3 Credit Bureaus and Law enforcement, please see below. Personal statement ( s ) XX/XX/XXXX& XX/XX/XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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 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 explanation
Consumer complaint received 2022-12-29
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: Their investigation did not fix an error on your report

Complaint:
After carefully reviewing my credit I report I see a number of inaccuracy on my credit report. First I would like to state that I never gave Experian nor XXXX written consent to furnish anything on my report. No consent is identity theft and infringement upon my privacy. This damage my reputation with lending institutions and house associations. You didnt do your due diligence with protecting the consumer you vowed in good faith to do so. Theres 3 big violations that I was to point out 1. According to the IRS ( Internal Revenue Services ) income cant be reported as debt.

2. According to the FDCA a debt collect may not attempt to collect alleged debt in a state/county/ or city in which debt collect is not authorized to conduct business. ( See XXXX XXXX XXXX XXXX  ). These debt collector arent authorized to conduct business in Arkansas or Texas. 
XXXX, XXXX Acct # XXXX ( See XXXX XXXX ) -XXXX XXXX XXXXXXXX acct XXXX XXXX ( See Exhibit 2 ) 3. According to the FCRA all account must thoroughly verified before report. If the name, account number or amount of the report account is incorrect then it must be removed. The account below isnt mine. The name report on the account doesnt belong to me. My name is XXXX XXXX the below account is list for someone by the name of XXXX XXXX. 
XXXX XXXX XXXX Acct # XXXX ( See XXXX  XXXX ) XXXX, XXXX agreed to cease all communications see ( Notice of Cease & Desist CFPB Complaint # XXXX ). According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through medium. *This includes but is not limited to telephone calls, emails, social media, or any Consumer Report Agency.

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 2022-11-16
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
To whom it concerns Chase card services has two accounts under my Social Security number and my name that are identity theft and were not opened by me. 
First account ending in XXXX & 2nd ending in XXXX. 
To assist with the research my information is as follows XXXX XXXX XXXX XXXX These accounts are reporting as close to my credit reports such as XXXX XXXX and XXXX and based on My credit report they were both opened in XX/XX/XXXX. 

Again these are identity theft accounts fraudulently open under my name I never open these accounts and will not be held liable. 

Let me say that I have been attempting to get this matter resolved since I noticed them in late XXXX on my credit reports. I have reached out to the company I have sent credit bureaus information regarding this Ive attached a few communications with Chase and their responses for you to see. For whatever reason when I follow up on the investigation theyve either verify the account without providing any evidence or just not follow up at all. 

You will see in the responses specifically in XX/XX/XXXX I requested them to verify any information and they just responded with we have reviewed and confirmed its valid. This specific example is Unacceptable as they are ignoring the laws as they must abide by two without providing any evidence on how they verified it. The next step will be a small claims court lawsuit against Chase for the specific reason as they are failing to provide any evidence whatsoever through mailed responses. 

After calling into the fraud department and getting circled around with different representatives not knowing what to do or having any resources available to help with this matter a few times they explained to me that there was payments made from a XXXX XXXX bank account and thats why they are verifying it. 

Again this information was provided over the phone it was not provided through the mail response but based on that information I did get a letter from XXXX XXXX stating that Ive never had a bank account so the payments could not have been made for me further proving that these accounts are identity theft and fraud. 

So please see the responses from Chase and understand that They have failed to provide evidence to verify these accounts which is unacceptable under the law. 
Just based on talking to Chase over the phone I have disproved that these accounts could be mine through a bank account see attached letter from XXXX XXXX. 

Needs to be resolved now and the lingering back-and-forth communication with Chase is unacceptable without any resolution. 

These accounts are fraud they are identity theft were opened without my authorization and need to be deleted from my name and credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Bread Financial Holdings, Inc.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I filed a previous complaint # XXXX ... ..against Comenity Capital Bank, XXXX XXXX XXXX, XXXX Ohio XXXX. I was offered financing from my dentist to pay for a procedure. The dental office told me I could make monthly payments when I was approved ... .no one explained that there would be late fees if I did not pay by the XXXX every month. I called Comenity and told them due to my pay schedule I could not pay the XXXX and asked if they could make it a later date in the month. They refused to it. I have made similar arrangements with other creditors. Every month I make my payment and every month they charge me a {$41.00} late fee. Why do I have to pay this fee which was never disclosed to me when i signed up? I have never missed a payment. They responded to my original complaint by crediting me {$50.00} only to charge {$41.00} again on my most recent bill. They are stealing from me and I refuse to pay anymore. Why are they allowed to bully their customers and steal funds through this ridiculous policy. As I said, I have never missed a payment so why do I have to pay {$41.00} extra every month. I need the CFPB to stand up for me!! My account number ends XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX accordance with the Fair Credit Act XXXX XXXX XXXX Last reported XX/XX/XXXX {$440.00} Open balance XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/XXXX {$640.00} Open balance XXXXXXXX XXXX XXXX Original creditor XXXX XXXX XXXXXXXX XXXX Last reported XX/XX/XXXX {$0.00} Reported balance Highest balance {$5900.00} 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

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