BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-08
Company: FIFTH THIRD FINANCIAL CORPORATION
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:
Ms. XXXX filed an identity theft dispute of the fraudulent MasterCard account upon which Fifth Third declared " We have conclusive evidence that you conducted the transaction '' via letter of XX/XX/18. However, they provided no supporting evidence of this conclusion. XXXX submitted a formal dispute, including victim 's police report, on XX/XX/XXXX. The certified/return receipt requested was received by XXXX with an illegible signature as of XX/XX/XXXX. On XX/XX/XXXX, Fifth Third claimed that they did not have the Limited Power of Attorney, provided by XXXX, as was signed for on XX/XX/XXXX. So that same day, Ms. XXXX submitted a file disclosure request as allowed by law. That was again signed by an unknown again on XX/XX/XXXX. Ms. XXXX was then contacted by Fifth Third on XX/XX/XXXX requesting a copy of the Limited Power of Attorney, police report and ID Theft affidavit ( again ). This documentation was faxed to the representative at the provided fax # of XXXX. To date, neither XXXX or Ms. XXXX has received any documentation supporting Fifth Third 's claim of validity or evidence that Ms. XXXX actually applied for, authorized or used the account in dispute. This is a complete failure of XXXX XXXX to abide by Ms. XXXX 's legal rights as provided by FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
That account was already solved. I spoke to the main company that sent me to collections, i already settled it it was a unfair confusion that was stated during documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: Experian Information Solutions Inc.
State: MO
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  ; Experian and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-08-25
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX I deposited my paycheck from my employer as usual through suntrusts mobile check deposit app feature. The check was received by the service and I was told the check was put on a hold, for what I thought was the weekend due to them being closed but in reality ended up being something completely unexpected. Without being notified in any way my account was closed/ frozen. The reason they gave me was fraud even though there was nothing fraudulent with the account or the check deposited as all my coworkers checks deposited through their respective banks with no issue. What can be done about this? as it is apparent I am not the first to have an issue of this kind. Locking off peoples access to their funds is serious and the way they have responded to any complaints or questions is sickening. When called they are quick to say they are not obligated to tell me anything about what is going on and that my local branch cant help me. And next say they are going to determine if THEY think I should get MY money through their investigation that will take about 15 days. This bank is making interest off of the money of people who can no longer afford to pay their bills or rent. This is plain disgusting. My employer has told me that the check cleared on his end so he does not need to give me that money which was called fraudulent so if suntrust decides to keep it that is plain and simple theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28
Company: EQUIFAX, INC.
State: AL
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Bankruptcy XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$1800.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Due to the latest massive credit breach, someone, through fraudulent means tried to establish a line of credit using my information. the day was XXXX 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 2018-10-08
Company: ADVISORS MORTGAGE GROUP, LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This Advosors Mortgage Group it look like is not real. By mistake I applied with them for refinance my house and I received a small thank you card from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX... Inside the envelop is a little bussiness card from Advisors Mortgage group XXXX XXXX XXXX XXXX XXXX # XXXX XXXX CA XXXX NMLB # BRANCH XXXX NWLS # XXXX A+ Rating with the XXXX XXXX XXXX ... 

My personal bank account was hacked 3 times after the comunication with this people. 

I am not sure if this people they are involve too but my responsibility is report this type of issues..

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Dear Consumer Financial Protection Bureau, CFPB : SEVERAL FEDERAL DIC, FDIC, INSURED BANKS ARE ENGAGING IN BANK FRAUD, ROBBERY, AIDING AND ABETTING BANK FRAUD, ROBBERY, HIRING PEOPLE WHO MAKE ERRORS AND OMISSIONS, MISTAKES, AND STUPID-XXXX ACCIDENTS. THOSE BANKS BEING ( INCLUDING BUT NOT LIMITED ) TO XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( NOW XXXX ), XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX. ALL ACCOUNT CLOSED. DO NOT HAVE COP XXXX XXXX XXXX XXXX XXXX NOR THAT CONFUSED XXXX XXXX A. GOOD BADGE XXXX CONTACT ME EVER AGAIN. HOLD THEM ACCOUNTABLE AND HAVE THEM CEASE AND DESIST, MAKE CORRECTIONS, FINE THEM, AND TELL THEM TO MOVE THE XXXX ON. 

TRACE ALL CASHIERS CHECKS BECAUSE I AM THE PURCHASER AND THE ONLY PAYEE. THOSE ARE GUARANTEED FUND FOR ME, MY FAMILY, AND MY VERY XXXX XXXX SAFETY ONLY. I DID NOT PLACE A STOP PAYMENT, I DID NOT REPORT THE CASHIER CHECK LOST, STOLEN, DAMAGED, FORGED, AND I HAVE NO KNOWLEDGE OF A LEGAL STOP PAYMENT. THAT IS MY VALID SIGNATURE ON ALL CASHIER CHECKS. 

XXXX YES, I WANT TO PRESS CRIMINAL CHARGES. I DO NOT OWE XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NOR XXXX XXXX XXXX XXXX XXXX XXXX NOR XXXX XXXX XXXX XXXX. AND XXXX NO THEY CAN NOT WRITE OFF DEBTS I DO NOT OWE AND REPORT TO ANY XXXX NOR 3 CREDIT BUREAUS ( XXXX, TRANSUNION, NOR XXXX ) AFFECTING MY CREDIT AND SAFETY ABILITY TO MOVE ONWARD. THEY ARE IN VIOLATIO OF 15 USC 1692 AND EACH BANK OWES ME {$1000.00}. 

I ATTEST, AFFIRM, AND CERTIFY THE STATEMENT AND INFORMATION IS VERY ACCURATE, VERY TRUTHFUL.

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 2018-09-18
Company: SIMMONS FIRST NATIONAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Simmons Bank Decreased the Credit limit on visa Credit cards of hurricane evacuation victims.

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 2020-11-15
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX had reported incorrect information. XXXX XXXX  says that they correct the information with the credit reporting agencies, but my credit report still shows negative information about my XXXX XXXX  credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: Consumer Financial Services
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On XX/XX/2016 I went and applied for a new car and got approved but in my credit report it was stating I owed almost {$3000.00} on the truck I was trying to trade in so the dealer wouldn't give me much for my trade in because the amount I owed. I knew I owed close to {$500.00} but no where close to {$3000.00} so I called multiple times to the finance company where I took out the loan and didn't get a response so I went in and disputed the amount so with my original contract I had on hand and a print out of all payments made it came out that I owed {$490.00} and I paid that with debit card in full and received a letter signed and said paid in full about 2 weeks later I got the title .. so don't know where this extra money they say I owe because if I owed any money I would of never got the title from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: Receivables Performance Management, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This account should have never been reported to my credit report. There was an error with XXXX and the issue was resolved directly through XXXX. This collection agency was notified early XX/XX/XXXX by XXXX to delete the account and has yet to do. In fact, theyve recently verified the account as valid with XXXX after XX/XX/XXXX which was after Ive received the letter from RPM promising to remove the account. I called XX/XX/XXXX and spoke with XXXX who informed by that it will be additional 30-60 days since i exercised my right to dispute the account. I plan on pursueing legal action if this account is not removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a notification from XXXX on XX/XX/XXXX indicating that a new account had been reported on my credit. 

XXXX XXXX XXXX reported a fraudulent XXXX XXXX account that was already removed from XXXX in XX/XX/XXXX. This action violates the the Fair Credit Reporting Act [ 15 U.S.C. 1681 ]. 

Additionally XXXX XXXX XXXX did not send a written notification. This action violates the Federal Validation Notice [ 15 U.S. Code 1692 ]. 

On XX/XX/XXXX the per violation penalty increased from {$3500.00} to {$3700.00}. No debt collection company should operate above the law. 

Therefore I have submitted this complaint for investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-24
Company: M&T BANK CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 180 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX,. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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 2018-03-13
Company: WELLS FARGO & COMPANY
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/XXXX i submitted a agreed payoff amount to Wells Fargo Dealer Services in order to finalize and payoff a auto loan. At this time time i was told that that once payment was received it would take three days for the title to be electronically released since I was in a state that kept title electronically ( Ohio ). I called back on XX/XX/XXXX and was told that it was still being processed and it might be released that afternoon ( they had my money though ). I called back Mon and it still had not been released but it was processed as paid off on XX/XX/XXXX. I continued to ask for someone to speak to in regards to it being released and was told there was no one else to talk to. I called back Tuesday morning and then was told it was still being reviewed and they had 7-10 working days to process the procedure. I stated that someone told me that they had processed it already as paid on XX/XX/XXXX why cant it be electronically released? They said that was not true and they still had time to review the payoff. I stated you have my money and have had it for over a week what is there to be reviewed this is the settlement that was agreed upon already. I met my part of the agreement and my title should be released when I met my part of it. This delay is causing me problems of something that I paid for as agreed upon. Wells Fargo has accepted my payment but has not released my title in the timely manner as payment has been processed. When the funds cleared the title should have been released. There is no review process upon a already agreed upon settlement. WHAT IS THE REVIEW PROCESS! A DELAY IN INTEREST BEARING BANK PRACTICES.

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 2019-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
My twin sister 's name is the main name associated with my social security number. I've been unable to remove it from my credit report after calling, mailing copies of my social security card and driver 's license, and filing an online dispute. I am unable to obtain any credit through places that run checks with Transunion, as it comes back as saying that my social security number does not match my 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 non-monetary relief
Consumer complaint received 2021-03-25
Company: JPMORGAN CHASE & CO.
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2021 I received an email from XXXX stating I placed an order for Baby Formula and shortly there after I received another email saying my order was added to for air pods. Both purchases were made in XXXX Tx. I live in XXXX Tx and have never been to XXXX. I did not place these orders so I contacted my credit card company which is Chase letting them know I did not place these orders and that they are fraud. Chase said they will issue me a new card number and that I would not be responsible for fraudulent charges. On XX/XX/XXXX I saw the charges were back on my account and I received a letter from Chase saying I am responsible. I called and spoke with someone and they said they would look into it. I did not get their name. I called back on XX/XX/XXXX and spoke to XXXX from Illinois and he said he would submit it for further review. He also said I would hear from someone within 3-5 days. I still hadn't heard from someone as of today, XX/XX/XXXX, so I called and spoke with XXXX XXXX I'm not sure if I got his name correctly ) and he said it can take 1 to 2 billing cycles for resolution. I am very upset with this situation. I am a person with a credit score of over XXXX and I pay my bills always and in full. I am wanting a resolution and I want to not be responsible for charges I did NOT make. I will attach all documentation that I have. 

Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 U.S.C 1681 Section 602 A states the right to privacy.

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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account number XXXX XXXX XXXX XXXX  Account number 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 2018-03-13
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Citibank , N.A . put a default on my record when they sent me a letter to pay my mortgage starting in XX/XX/XXXX without giving me a chance to respond. I didnt know at that time they already put me in default. I feel this is unjust because they didnt give me the time needed. I need them to give me more time. I was getting the money from a friend when they put a default on my record. I believe there is a law that says that you have to give the homeowner 30 days notice before this is done. 

In 2013, after calling and talking to Citibank we asked to settle the HELOC since our house was no longer worth what it was when we got the HELOC. I hired the XXXX XXXX XXXX to negotiate with the lender for a settlement which they did and received a Full Reconveyance. 


We called Citi Banks Department in and they said it was paid in full. Almost two years later I received a bill from Citi Bank, N.A. and was shocked. At that time, I had my records checked and found that after the negotiations they rescinded the Reconveyance more than a year later without our knowledge of what was done. We didnt know about it until we received the first bill and looked at the recording offices records. This is the situation as it occurred I feel this is unjust and have tried for several years to settle with them. I thought that they would negotiate a settlement after paying the company the money. I was hoping for help in overturning their decision of collecting the full funds when that was not owed.

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 2018-08-01
Company: DISCOVER BANK
State: FL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
For 7 years I previously had two 10 year CDs with DIscover Bank ( opened XX/XX/XXXX and XX/XX/XXXX ) and received a " Welcome Letter '' and " Account Agreement Disclosure '' via XXXX several days later for each. I was fully aware of the 9 month interest penalty associated with early withdrawal. 

I opened a 3rd CD in XX/XX/XXXX. via electronic signing. I did not receive a " Welcome Letter '' nor an " Account Agreement Disclosure '' for this 3rd CD. A reprint of the welcome letter ( attached ) was requested and received about two weeks ago. 

I have withdrawn ( early ) all money from CD1 and CD2 and willingly paid the 9 month cancellation fee. I have tried to dispute the outrageous 24 month cancellation fee, {$2200.00}, for CD3 but could not. As a result I have also withdrawn ( early ) all money from CD3 and reluctantly paid the 24 month cancellation fee. 

I was not advised of the ridiculous 24 month penalty prior to opening this 3rd CD.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Requested to place freeze on report and was denied.

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