BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: TX
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 sent my letter on XX/XX/2023 asking the credit bureaus to " investigate every piece of information '' on the accounts I have attached. 

According to the FRCA, the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law? Also, many pieces of information on these accounts are still not reporting 100 % accurate and according to the FRCA 15 USC 1681, everything has to be 100 % accurate. I have attached the credit report showing the inaccuracies and inconsistencies. How have the credit bureaus verified these accounts if they are showing so many discrepancies on fundamental pieces of information such as addresses, date account opened, balances. 
I asked the credit bureaus to share their method of verification and validation of these accounts, but they failed to respond.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14
Company: EQUIFAX, INC.
State: FL
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:
I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Block, Inc.
State: KY
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 I noticed to unauthorized charges to my Square checking account from XXXX in the amounts of {$36.00} and {$55.00}. Square refuses to investigate the matter stating they cant see the location of the charges made. Square also refuses to contact the merchant directly on behalf of the customer to verify fraudulent charges. I have contacted Square by phone and email. I have tried numerous times to request an escalation and further action on this matter, all requests have been denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: EQUIFAX, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
I CHECKED MY CREDIT REPORT AND NOTICED I HAD UNAUTHORIZED COLLECTION FROM XXXX XXXX XXXX XXXX WITH ACCOUNT NUMBER : XXXX OPENED ON XX/XX/2023 FOR {$7900.00} ON XXXX XXXX EQUIFAX ACCOUNT NUMBER : # # # # # # # # XXXX ON XX/XX/2023 FOR {$7900.00} AND ACCOUNT NUMBER : XXXX ON XXXX  ON XX/XX/2023 FOR XXXX. THAT I DO NOT RECOGNIZE I BELIEVE SOMEONE MAY HAVE APPLIDED FOR SOME THINGS IN MY NAME AS FRAUDULANT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
These credit bureaus are reporting this information incorrectly and frequently. This account was paid in full XXXX of 2020 with no late payments and I sold this vehicle to XXXX XXXX dealership in good standing. I will be attaching support evidence of my claim and Im asking that any derogatory marks and negative marks be removed from my credit report 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 2023-11-03
Company: CCF Intermediate Holdings LLC
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Sometime during the year of about XXXX  insufficient funds, overdraft fees.Cause payday loans not to be paid. Ssn # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
M & T Bank - XXXX Funds Frozen On XX/XX/2023 the day that I receive my XXXX check as I am a XXXX XXXX XXXXXXXX XXXX XXXX all of my accounts were frozen under suspicion of fraud. I went to the local branch to verify my identity and confirm there was no fraud activity on my account. 

My wife deposited a XXXX car insurance check for {$3400.00} as our parked car was hit and the second action was my wife sent me a XXXX for {$1300.00} dollars. 

My mortgage was declined due to my accounts being frozen. I requested to please at least give me access to my XXXX check for my mortgage as I am on a repayment plan and if payments are not meant on the schedule provided I will face immediate forclosure. They have denied this request as of XX/XX/2023. Even though I have given all documents to show and dispell any fraudulent activities, they are holding my XXXX check XXXX and forcing me into foreclosure if this isn't rectified immediately. 

I explained that XXXX months of my XXXX payments are off limits. ( Look Back Period ) At this time I feel I am being targeted and discriminated against because I am a minority XXXX veteran.

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 2023-08-10
Company: Experian Information Solutions Inc.
State: GA
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:
Experian is reporting a debt that XXXX removed a long time ago because creditor was not able to validate debt in the timeframe given. 

The FCRA states debt must be removed if not validated and XXXX did just that. 

Experian is still reporting this collection account on my credit report from the company. 

XXXX Outsourcing balance of {$4700.00} This is a violation of the Fair Credit Reporting Act as Experian must Follow Suit and remove this debt.

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 2023-11-03
Company: OneMain Finance Corporation
State: MD
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
My monthly installments are due on the XXXX of each month. Due to unforeseen financial crisis, I have not been able to reach the payment on that date, however able to make the payments the following pay period. I requested to change my due date but was told I wasn't able to. Due to my financial situation I am able to make the monthly payments towards the principal loan, unfortunately this incurs late fees, which I am unable to pay in addition to the principal at this time. 

One Main Financial continues to call my personal cell during work hours at least five times a day from several anonymous phone numbers : 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 I've requested them to please stop calling during work hours threatening to confiscate my vehicle.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have reached out to Equifax about 15 different times over the last few months. I am desperately trying to buy a home. My mortgage co is able to obtain my credit report from XXXX and XXXX but not from Equifax. I have open tradelines starting in XXXX that are still open and active. These are major creditors like XXXX and XXXX XXXX XXXX that I know for certain report to all 3 credit agencies. When attempting to pull my Equifax file ( which is required to give an underwriting decision, Equifax is not releasing it stating : EQUIFAX : INQUIRY INFORMATION IDENTIFIED AS FRAUDULENT BY CONSUMER - REPORT NOT AVAILABLE. 

I have never changed my name, I have lived at my same address since XXXX and I have never altered or changed my social or date of birth. I have NEVER filed a fraud claim, nothing. 

I am a loan officer for a mortgage co and I will tell you that we are seeing this same error message with ONLY Equifax a LOT this year. About a 3rd of credit reports we pull, we have no access to the borrowers Equifax file and it's this same error message. Never any challenges with XXXX and XXXX. Like, what is going on here!!!??? 
Is it because of their SECURITY BREACH in XXXX??? 

I have called EF about 15 times in the last few months. They've requested that I FAX a copy of my drivers license and social security card and can never find it. I can not believe they can ask me to FAX my personal stuff like that but I have no choice. When I call them back after the 5 day period they are extremely rude and tell me no one can help me until they receive the docs. They are rude and I can not move on with my life because of THEM! 

Bottom line, I want this resolved so I can put a contract on a house. The lack of inventory right now makes it difficult to just wait until EF can do their job and help me so I can purchase a home. 

I NEED HELP, PLEASE! 

Thank you, XXXX XXXX XXXX cell XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: REGIONS FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened a checking account with Regions Bank on XX/XX/XXXX  under the following promotion : https : //www.regions.com/XXXXXXXX XXXX *Here 's how to earn a {$300.00} bonus : 1. Open a new personal LifeGreen checking account by XX/XX/. Get started by opening an account online with promo code XXXX, or register and present your personalized email voucher when you open your account at your local branch. * 2. Enroll in Online Banking within 90 days of opening your account. 
3. Make {$1000.00} or more of qualifying ACH direct deposits that must post within 90 days of account opening. Deposits must be new to Regions. 

I included the promo code XXXX in my application and printed to pdf the application as evidence. I met the terms of the promotion four days later on XX/XX/XXXX, but did not receive the {$300.00} bonus. I have called and emailed to check on the status of Regions honoring this promotion several times since XX/XX/XXXX. This morning I was told that Regions would not honor the promotion despite my evidence that the promo code was attached when I submitted the application. They do not see that it was attached and said that there is nothing that they can do. Please find my evidence attached to this complaint.

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 2018-11-26
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Their was an fraudulent attempt from an unknown individual out of Florida and applied for a XXXX credit card. 
Long story short this is the second attempted to get this inquiry removed from my credit report still reflecting as of XX/XX/2018

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 2023-12-13
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My credit reports are showing late payments from XX/XX/2022 for my XXXX Account. I have always paid this account on time as agreed, and the late payment is inaccurate/incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: Shellpoint Partners, LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX XXXX XXXX placed an escrow on my account in error. I received a letter from XXXX dated XX/XX/XXXX, explaining that it was an error, and that they are currently in the process of cancelling the escrow error. The cancellation, to my knowledge never occurred, due to the fact that I am still being charged an extra {$79.00} per month on top of my regular fixed rate of XXXX per month, plus Lender Placed Insurance of {$130.00}. My fixed contract, signed back in XX/XX/XXXX, states {$340.00} a month. I should be paying a total of {$480.00} including insurance per month. Let me now fast forward to the present XX/XX/XXXX. I received a letter dated XX/XX/XXXX from Shellpoint Mortgaging Services stating that the owner of my loan has entrusted them with the servicing of my loan, and the amount due is {$630.00} per month. I have contacted them multiple times asking for an investigation into the matter, in order to rectify the situation that has been draining me for more than a year. I presented XXXX ' letter explaining the error. They write me back, and I quote " Shellpoint 's records indicate that we have already received the same or a similar correspondence that we have already responded to. Since your additional correspondence did not provide any new or additional information for us to form the basis for a new investigation, our response remains the same. Therefore, we will not be conducting another investigation. '' end quote. 
How can they get away with this. I live in a double wide trailer that I have been paying on for twenty one years, and have never missed a payment with the exception of last month XX/XX/XXXX. I am being extorted, and have been paying what they have put out for me to pay because I do not want to lose my home. I am extremely frustrated due to the circumstances of being continuously robbed every month. I can only hope this complaint does not fall on deaf ears, or blind eyes. I am attaching documents that I are pertinent, and discussed within this email. Also I am attaching an email that I sent to them in aggravation that is laced with a couple of profanities. 
PLEASE SOMEONE HELP!! 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
After making two trips from Oregon to Virginia to visit my elderly ailing mother, my credit card charges was at {$3200.00}. My husband suggested I find a zero interest balance transfer card, so I started searching online. The next day XXXX received a phone call from a guy by the name of XXXX XXXX ( XXXX ), from " Card Services '', who did not speak very good English ( should have been a clue ) who eventually transferred me to a XXXX XXXX ( XXXX ) who stated she could take care of my problem. She explained that their fee was {$1400.00}, and having never done this before I did not know. She tried to open a card in my name, but was unable to get credit approval, so suggested we apply in my husbands name. We got approved for a XXXX, with a {$3800.00} limit. She then told me to call her back when we received the new card. In the mean time, she charged my original card the {$1400.00} fee, which now put my balance well above the limit of the zero interest card. I called my original card company, CapitalOne, to dispute the charge, but was told that since I had authorized it, I could not dispute the charge. Then they transferred part of my balance to the new XXXX. These people need to be stopped, you can get balance transfers done for 3 %, not thousands of dollars. I would like to be able to get my {$1400.00} back. In the mean time, my husband went to our bank and got set up with a zero interest balance transfer card at no fee, then transferred all of the other balances to the new card, so that issue is now resolved. There should still be a way to recover my, in my opinion, fraudulent charge of {$1400.00}. CapitalOne must have a name and address where funds were sent! Please help! I am now fully aware of how ridiculous this entire process was, but having never needed this service, I simply did not know. 


XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-13
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
On XXXX XX/XX/2023, there was a new credit card application submitted to Chase with my personal information. 
I immediately contacted Chase, verified that it was not me, & they closed/cancelled the application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received a bonus from my company in the form of an America Express e gift card on XXXX. I tried using it at most online retailors ( XXXX, XXXX, XXXX, etc. ) and it did not work. I also tried it for instore purchases at other stores and it did not work. I called customer service and asked if there was an issue. They informed me there was none and that these retailors " probably '' did not accept this card. I asked for a list of retailors that did and they informed they did not have one and could not provide me a website or another representative that did,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
on the date XXXX XXXX I sent a letter certified mail tracking number : XXXX To XXXX XXXX XXXX account number XXXX. Transunion, XXXX And XXXX claims to have done a investigation, but how is that possible if i have not received a response they proclaimed the debt was validated, but provided me with no documentation as proof. Additionally Account type, Account details, Account status, Balance, Last reported date, date last reported, high credit, date opened are either reporting wrong or incomplete information. These are inaccuracies on my credit profile and i demand they be removed 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 2023-11-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have, since early XX/XX/2023, asked Citizens Bank to terminate my bank account. I drew down the funds in the account to a XXXX balance, and requested that the account be closed. On two separate occasions, the bank has reopened the account due to an erroneous charge being made on the account. In both instances, I was charged an overdraft fee and a low balance fee. After multiple hours waiting after each instance, those fees were waived. I had to bring the balances back to XXXX, and request the account be closed for good. I asked them to waive the 60 day period, and they have refused. I asked them to backdate my account closure to the initial date requested to expedite the process of terminating the account, and they have refused. I have had to call them in the middle of the night during my honeymoon to get these charges waived, as they compound after five days. I have spent approximately XXXX hours on the phone and via their online chat feature attempting to close my account. As their hours of operation of their customer service line do not extend beyond or outside of normative business hours, this constitutes a meaningful loss of time at work for me, in addition to the significant frustration caused.

Company response to consumer: Closed with explanation