BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-06
Company: CITIBANK, N.A.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2019 XX/XX/2019, XX/XX/2019 I have contacted Citibank and advised them that I have been a victim of identity theft. They choose not to look into this matter and wanted payment. Also they wanted to setup payment arrangements. I have even sent the collection agency notice advising them that I am a victim of identity theft. I am requesting this negative information to be remove from my credit report because it is hindering me from buying things such as a house. This is not my debt it belongs to someone who used my information to obtain it. This has been going on for 9 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 2019-09-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Hello there, I was sent an email by Capital One to bring XXXX to my saving account and maintain the money till XX/XX/XXXX to earn a bonus of {$450.00}. I deposited XXXX into my account and maintained the money for the specified period but Bonus was not deposited into my account as of XX/XX/XXXX. I contacted their customer service multiple times and they have no clue when my bonus payment will be made except for telling me to wait 60 days. I have attached copy of email sent by Capital One showing the promotion. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: SUNTRUST BANKS, INC.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have a car loan being serviced by SunTrust Bank. I want to be able to see how my payments are being applied to interest and principal. I can log into my account, but the information provided online by SunTrust does not include a breakdown of how my payments are being applied, so I have no way to assess whether they are being applied properly. I have contacted SunTrust by telephone and by online messaging, and they informed me that I can go through a cumbersome process to have the information sent to me by snail mail. I don't want to have to go through this every time I make a payment! This information should be readily available to me! ( I've attached a transcript of my most recent attempt to communicate with SunTrust -- a difficult and fruitless process. )

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 2020-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD
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:
On my credit report from all three bureaus, it lists several of my federal student loans were 90 days past due in XX/XX/2015. I was in school full-time during this, so it should have been in deferment. I have filed two disputes at all three credit bureaus, and a message to my loan servicer Neltnet. They have denied to fix, despite me sending in a transcript showing I was in school and only have included a note from me that I dispute. This is causing me to get denied for housing, car, etc.

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 2018-08-07
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I went to purchase an auto with XXXX XXXX XXXX NY XXXX XXXX on XXXX On XXXX on my credit file there were another 4 inquiries from different creditors that I did not give authorization to run credit reports on me. Inquiries are held for 2 years and they affect you credit score. I did not give all this institutions any signatures for them to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: CITIBANK, N.A.
State: GA
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:
RE : dispute with XXXX Citi Card - XXXX  XXXX  claims an order was delivered but never was delivered. I have repeatedly provided XXXX Citi Card with proof of non delivery to me to no avail. In fact they have gone out of their way to outright lie to me claiming that documentation was never received by them when in fact they have admitted as such. Tracking clearly shows this was delivered to XXXX XXXX FL, I do not live there and have received nothing! Now dealing with executive response unit but this has been going on since XX/XX/2018. What has happened to this company? Its time to leave ... ... ... ... ... ... ... ... ....

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 2018-08-07
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:
In XXXX I had my identity stolen in what was the XXXX XXXX and XXXX XXXX hack, someone used my XXXX  XXXX XXXX account and opened up a XXXX card. I immediately contacted law enforcement and reported under penalty of perjury the theft. Shortly after I contacted all 3 credit report agencies and asked the information be blocked pursuant to 15 usc 1681c-2b, all agreed, in XXXX of XXXX after noticing some inaccurate information on my Experian report I noticed they reinstated the accounts ; without notifying me-A violation of the fcra and FACTA amendments, Nor did they explain why, which under the FCRA is absolute and without question. I checked every report from XXXX and they randomly reinstated the accounts in XXXX of this year, in flagrant violation of numerous federal and state laws. I am a bona fide victim of identity theft and this has now cost me numerous accounts that have been denied or closed!

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 2018-08-07
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mother passed away and I have given Fay Servicing the certified Letters of Testamentary and Court order which says I am the personal representative. I just received a copy of a letter from Fay Servicing which states they are not accepting me as the personal representative. I brought this property out of foreclosure and Fay Servicing did not want to accept my payment and I had to go to court in order to get help. They will not provide a history of my mothers mortgage payments and said in court she had not made a payment in 8 years, but she received a XXXX for interest which disproves what they had said. They refuse to provide me with any information and I have sent them paperwork numerous times and they keep asking for it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I sent Identity Theft affidavits in to all 3 bureaus in regards to a XXXX  XXXX account that doesn't belong to me, I was a victim of IDENTITY THEFT ... .XXXX  XXXX XXXX XXXX XXXX XXXXXXXXXXXXX {$340.00}, the accounts were found to be fraud and were removed from all 3 bureau reports, now XXXX and TRANSUNION have put the fraudulent account back on my reports after removing it, and have reported 1 late payment on account that is not mine and that I have never made any payments on ... ... I want this account removed and deleted from my credit file permanently. It is hurting my credit worthiness and my ability to obtain legal credit in my own name.

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 2020-08-22
Company: Experian Information Solutions Inc.
State: MS
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 complaint is not filed by a third party. 

Experian and XXXX  are fraudulent on my credit accounts DEPT OF EDXXXX is fraudulent on my credit Account # XXXX. XXXX XXXX XXXX is fraudulent on my Acct # XXXX. XXXX/XXXX is fraudulent on my Acct # XXXX. XXXX XXXXXXXX XXXX XXXX XXXX is fraudulent on my Acct # XXXX. XXXX is fraudulent on Acct # XXXX. 

These are fraud, I didnt benefit, apply for, and authorize these accounts.

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 2018-12-18
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is a complaint from XXXX XXXX against Midland Credit Management for Midlands failure to provide requested information for the debt alleged. On XX/XX/18 received a demand letter from creditor in response to consumers written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity.

Creditors demand letter did not include the requested information that would show ownership of the account by Midland. Failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
TD Bank wants me to drive while XXXX to another state in the middle of a hurricane to sign a signature card because they failed to get one from me after having me open up an account over the phone. The money originated from an account with a signature card on file. This puts not only my health at risk but my XXXX  heath at risk. Last night we had tornado 's came through and TD Bank will not release funds for me or my family to get groceries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
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:
Debt was paid to portfolio recovery solutions and they agreed to remove negative trade lines on the grounds i was never informed of the debt via my ex wife who was receiving notifications to the home i was court ordered to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On Monday, XX/XX/XXXX I received a letter from Chime bank with a new debit card ready for activation. The materials stated to activate the card in the app. 

It also provided me account numbers and routing numbers to give to my employer for direct deposit. 

I did not open an account with Chime bank, and wanted to take steps to remove this account. 

I called the number on the back of the card ( XXXX ) but was unable to speak to someone. 

I emailed Chime bank at XXXX ( I did not want to open their app ) and received an automated response from XXXX. She stated she would forward the information to the " Correct Department '' and I have not heard back since. 

I sent another email with additional information that might be more identifying to the account I am discussing but I did not receive any response either. 

It has been more than the 2 business days that they asked for. I would have appreciated an actual response or call from someone who would look into the matter rather than an automated response, so I am filing a complaint with the Consumer Protection Financial Bureau in hopes that they would actually investigate, respond, and close my account. 

I have already placed a credit freeze on my account ( from years ago ). 
I have placed a security alert on my account with the credit reporting agencies. 
I have placed an alert with XXXX ( which Chime does not participate in ) in order to prevent other bank accounts being opened fraudulently. 
I am happy to provide additional information as needed to settle this. I want the account to be closed and any activity to be marked as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: JPMORGAN CHASE & CO.
State: CA
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 and filed 4 unauthorized charge disputes with Chase Bank. I was a victim of bank fraud. Someone got a hold of my bank account and used it to make purchases with XXXX. The first transaction was for {$1.00} on XX/XX/XXXX. The second transaction was for {$2500.00} on XX/XX/XXXX. The third transaction was for {$2.00} on XX/XX/XXXX and the forth transaction was {$2100.00}. On XX/XX/XXXX, I realized an error and called Chase Bank to withdraw the first dispute for {$1.00}. After filing the claim, Chase Bank issued a temporary credit only for the first two transactions in the amount of {$2500.00}. I told them they should have credited my account for all the transactions because the date of the first transaction was now XX/XX/XXXX. Since I reported the unauthorized purchases within 60 days of occurrence, I am protected under regulation E. Chase Bank needs to credit back my account for all three transactions in the amount of {$4600.00}. 

I have contacted XXXX and they said since these amounts were fraudulent, the bank just needs to cancel the ACH transactions. They will not dispute the process. Without the bank 's approval, they can not send the funds back to my bank account. Otherwise, they would.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I sent Identity Theft affidavits in to all 3 bureaus in regards to a XXXX  XXXX account that doesn't belong to me, I was a victim of IDENTITY THEFT ... .XXXX XXXX XXXX XXXX XXXX XXXX {$340.00}, the accounts were found to be fraud and were removed from all 3 bureau reports, now EQUIFAX and XXXX have put the fraudulent account back on my reports after removing it, and have reported 1 late payment on account that is not mine and that I have never made any payments on ... ... I want this account removed and deleted from my credit file permanently. It is hurting my credit worthiness and my ability to obtain legal credit in my own name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-06
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have contacted this company several times, looking to resolve these issues related to items being reported on my credit report. 

I have consulted with the hospital directly, and know that they have verified that Myself and my children were covered by both primary and secondary ( XXXX ) insurances on the dates that this company is attempting to collect on. 

I have been covered by XXXX from XXXX through XXXX. 

XXXX XXXX, my son, has been covered by XXXX through these dates as well. 

XXXX XXXX, my daughter, has been covered by medicaid from XXXX through XXXX. 

This is in addition to our primary insurance at the time. The hospital had them both on file, and failed to bill us properly. 

In addition, they unknowingly sold my HIPAA covered information to this agency, who now refuses to send proof of me releasing any rights to have them have ownership of this information that is being held by them. They have chosen to not acknowledge my dispute with them, and I will have to exercise my rights as a consumer by law.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was just looking at my statement from TD bank. I do have over draft and maintenance fees .Then I looked at my Social Security check deposited and it is XXXX less than my original deposit.Thank You

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-21
Company: CFS Holdings, Inc
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I requested not to be called by Confident financial Solutions. I spoke to them and let them know my husband had been moved to bi-weekly paychecks and I would make a payment when I can. 

I have been recieving phone calls Daily even though I asked them not to. It is bad enough I stopped answering my phone. Then I began recieving email a couple times a day. They also began calling my Mother in law and Father in law at home and work. They discussed my loan even though my In laws are not on this loan at all. 

The final straw arrived today XX/XX/XXXX. I received a message on my work XXXX page. They made it seem like I was a friend they had lost contact with and was double checking I hadn't changed my number. 

When I said I didn't know who they were they responded. 
" I am with Confident Financial Solutions. I have Great news for you. Can you call today at XXXX '' This is beyond unprofessional and I am now scared to even answer customers questions on my XXXX account. The fact that they used an employees XXXX  to contact me is unethical and wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Opened an account with Capital One Credit Card 3 weeks ago. A day before my card arrived the card was listed as restricted. I received my card and was not able to activate it due to the restriction. On XX/XX/18, I called to enquire about the restriction and how to resolve it. They sent me a link to submit my personal documents to verify my identity. I was not able to send my SS card as the only proof of name change was my marriage license. I also sent my drivers license, passport, birth cert, XXXX license, bank statement. I called again XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They still stated the documents I sent were not adequate enough. They should have stated that from the first call. No SS card, no approval. I just sent all of my personal documents and I feel that they are fraudulent for not stating that they will ONLY accept a SS number. They have also done a hard pull on my credit. I will cancel the unusable card since they will not accept my current documentation. I want the closing of the card to not affect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
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: Their investigation did not fix an error on your report

Complaint:
I have disputed XXXX XXXX for months now. I have sent certified mail to XXXX XXXX requesting validation of debt. I have sent a follow up letter telling them they are required by law to send me the proper documentation proving they have the right to report on my credit. I have not received the response with the request information. I have submitted these documents to the XXXX  & Equifax with no response. I want XXXX XXXX to either send me the requested inform or delete the account from all 3 credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Comenity bank ( which handles XXXX 's credit cards ) went into my credit report and saw two new cards. The algorithm kicked back that it should DRASTICALLY decrease my credit limit, even though I have been paying on time for more than a year. This has decreased my FICO score and is, simply, unfair. I need a resolution that is just, immediately. HOW CAN YOU BE PENALIZED FOR PAYING ON TIME???? These rules and algorithms need to change immediately. It's predatory.

Company response to consumer: Closed with explanation