BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-10
Company: Real Time Group, Inc.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Company continues to call from various spoofed numbers from a local area code. I have asked no less than 3 times for them to discontinue contacting me, as the information they are presenting is not for an account that I recognize ( provided wrong address, wrong personal information, etc ). The information they presented to me for verification also does not match my actual information, leading me to believe they are fraudulent individuals attempting to harass me into divulging my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: STERLING BANCORP
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Paid off my loan with Sterling National Bank in XX/XX/XXXX Loan # XXXX XX/XX/XXXX I received a letter requesting proof of Successor in Interest for my deceased husband Responded to this letter on XX/XX/XXXX providing all documentation requested and asked for timeframe for receipt of discharge of mortgage Received a letter XX/XX/XXXX requesting additional documentation surrounding my husbands death Responded to letter on XX/XX/XXXX attaching all documentation AGAIN Called County today and confirmed there is still not release of the mortgage I need this release. Payoff occurred XX/XX/XXXX it is now 6 months later and still no release.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: Experian Information Solutions Inc.
State: MI
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:
In XXXX, I was approved by XXXX XXXX  for a credit card with a credit limit of XXXX dollars.On XXXX XXXX, the Coronavirus pandemic hits Michigan where I live.On XXXX XXXX XXXX closed my account first and sent me a letter citing " Inactivity '' .When I received the letter from XXXX, I called them immediately.When I called XXXX   customer service to reconsider, They stated to me that the account was closed due to inactivity and I can reapply for a new account but can not reopen the closed account..After my conversation with XXXX card, I immediately filed a complaint with CFPB-XXXX-XXXX  citing closing my account due to Coronavirus Pandemic.I have read many articles and news reports stating '' Millions of credit card users are seeing their credit cards closed or limits lowered during pandemic '' .I did have a XXXX dollar credit limit and paid my monthly payments on time.I had great credit with XXXX.On XX/XX/XXXX, I paid my account off in the amount of XXXXOn XX/XX/XXXX, I made another interest charge payment in the amount of XXXX paying the account off with no balance.XXXX  was the last activity i had on this XXXX card account until XXXX XXXX closed account.XXXX  responded to the CFPB complaint, XXXX  stated in their response that they made there decision based on what was in my XXXX  report.After reading there response and the letter i received from XXXX, XXXX is clearly lying why the closed my account.They closed my account because of the Coronavirus Pandemic and the current financial hardships people are having.I have been working this whole time because my job is currently deemed essential.I have looked up laws under the Credit Card Act of XXXX, Equal Credit Opportunity act, FCRA, Etc and there is no law for closing accounts.In the XXXX Credit Card Agreement, it does state that they can close anyones account at anytime for any reason.There is no XXXX Credit card agreement that states anything on a Pandemic or Financial crisis due to a Pandemic.Because they have closed my account, my FICO score has decreased and caused stress.I have been trying for years to have a good credit and score and closing my account due to current pandemic doesnt help me one bit.Therefore, XXXX  lied and closed my account/card because of the pandemic and financial crisis and used Inactivity as a excuse to close my account.Therefore, XXXX cards CFPB response and letter dont add up.Therefore, My FICO score has dropped causing stress and lower credit scores that will affect my credit worthiness.

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 2023-09-18
Company: Credit Karma, LLC
State: CA
Product: Credit reporting 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:
Since XX/XX/XXXX  till XX/XX/, XXXX on behalf of XXXX XXXX have been checking my XXXX. Not sure why or how to make this stop but it is negatively effecting my credit and ability to open a bank account. Please make this stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Citibank locked my checking and savings accounts after I opened them online in XXXX oXXXX XXXX They never informed me when they locked them nor why they locked them. I found out when I attempted to make a transaction and I couldn't. I chatted online with them and also telephoned them and I was told the issue needed to be resolved with their fraud prevention team. I had no Idea why this happened. I have tried many, many times to resolve this issue to no avail. They keep telling me that I need to be fully verified first before they can acknowledge that they are talking to me. They attempted to send a text to my cell number so that would verify my identity. I have a prepaid cell phone ( XXXX XXXX plan because I only use it for emergencies and I don't want to spend a lot of money for a monthly plan. Apparently, my prepaid cell phone does not work for getting their verification texts. So, they tell me there is nothing they can do. I tell them they could verify my identity any other way and they say they can't because they are using a third party verification. So, I keep getting no where and they have my money and I don't have access to it. Then, one supervisor told me to go to the nearest branch ( 40 miles away in XXXX, NJ ) with 2 forms of Identification and they would unlock my accounts. My son and I went to the branch with many forms of identification. The Citibank banker called the fraud prevention team. We were there for longer than 45 minutes during this Covid pandemic ( I am XXXX years old! ) and the fraud prevention team told the banker that they wanted to sent a text to my prepaid phone which I've already explained does not work. Even the banker at the branch became frustrated with this fraud prevention team. He told them " the account holder is sitting right here and has several forms of ID '' again to no avail. The banker then had an Idea. He changed the cell number in my profile to my daughter 's cell ( not a prepaid plan ) and told me to wait a day for the system to update, then call fraud prevention in a day or two. I did and still no good - I'm guessing because he changed my profile while my account is locked. I keep calling and calling and Citibank keeps giving me the run around. They have my money and they won't give it back! I am an XXXX year old woman and I need this money. The other day, I called the branch manager at the XXXX, NJ branch and he told me there is nothing he could do. I asked him if I'm just supposed to let Citibank take almost {$16000.00} from me? His response was that perhaps in a few years the money could be claimed on behalf of my estate. I can not believe this. How could Citibank just STEAL my money like this? This is criminal and ELDER ABUSE. Please, Please help 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 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To whom it may concern I have been a victim of identity theft and my information have been exposed on the XXXX data breach there have been a numerous amount of accounts that i have discovered on my credit reports that need to be deleted and investigated. please send me a updated copy of my information and credit report once information is deleted.

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 2017-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX XXXX reported a hard inquiry conducted by XXXX on XXXX XXXX from XXXX XXXX - oh. This is the second hard inquiry from XXXX on XXXX XXXX. The first XXXX XXXX, TX. I reported this hard inquiry to cfpb on XXXX XXXX ( XXXX ). I was contacted by XXXX this morning and suggested sending a letter to XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-12
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Two watches were ordered, they only sent one. Disputed on their website twice yet charges remain. Ugh. Please help. I shouldn't be responsible for this charge and the payment is due soon and no one will respond. I should only be charged for the one item they actually sent.

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 2019-03-29
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 was writing to inform you that there are still items are my credit report that are not mine. Please help me to get these items removed from my credit report .I have already contacted my local police and the FTC . I'm also doing this on my own. XXXX XXXX XXXX XXXX, XXXX { XXXX XXXX, XXXX/XXXX, XXXX, XXXX/XXXX, XXXX XXXX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-10
Company: EQUIFAX, INC.
State: MI
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:
In XXXX, I was approved by XXXX XXXX  for a credit card with a credit limit of XXXX dollars.On XXXX XXXX, the Coronavirus pandemic hits Michigan where I live.On XXXX XXXX XXXX closed my account first and sent me a letter citing " Inactivity '' .When I received the letter from XXXX, I called them immediately.When I called XXXX   customer service to reconsider, They stated to me that the account was closed due to inactivity and I can reapply for a new account but can not reopen the closed account..After my conversation with XXXX card, I immediately filed a complaint with CFPB-XXXX citing closing my account due to Coronavirus Pandemic.I have read many articles and news reports stating '' Millions of credit card users are seeing their credit cards closed or limits lowered during pandemic '' .I did have a XXXX dollar credit limit and paid my monthly payments on time.I had great credit with XXXX.On XX/XX/XXXX, I paid my account off in the amount of XXXX.On XX/XX/XXXX, I made another interest charge payment in the amount of XXXX paying the account off with no balance.XXXX was the last activity i had on this XXXX card account until XXXX XXXX closed account.XXXX  responded to the CFPB complaint, XXXX  stated in their response that they made there decision based on what was in my XXXX report.After reading there response and the letter i received from XXXX, XXXX is clearly lying why the closed my account.They closed my account because of the Coronavirus Pandemic and the current financial hardships people are having.I have been working this whole time because my job is currently deemed essential.I have looked up laws under the Credit Card Act of XXXX, Equal Credit Opportunity act, FCRA, Etc and there is no law for closing accounts.In the XXXX Credit Card Agreement, it does state that they can close anyones account at anytime for any reason.There is no XXXX Credit card agreement that states anything on a Pandemic or Financial crisis due to a Pandemic.Because they have closed my account, my FICO score has decreased and caused stress.I have been trying for years to have a good credit and score and closing my account due to current pandemic doesnt help me one bit.Therefore, XXXX  lied and closed my account/card because of the pandemic and financial crisis and used Inactivity as a excuse to close my account.Therefore, XXXX cards CFPB response and letter dont add up.Therefore, My FICO score has dropped causing stress and lower credit scores that will affect my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: Halsted Financial Services, LLC.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
For the past several weeks I've been getting phone calls from Halsted Financial Services. When asking who the caller was from, some told me they worked for Halsted and others were hesitant to disclose their company name and just said " a financial institution. '' I have asked repeated times for them to stop calling. I assume they're a debt collector, however all of my accounts are current. The most recent phone call was from XXXX however each call has a different caller ID, but they all start with XXXX. These calls come in several times per day, despite my request to have my number removed from their systems. I hope CFPB is able to intervene to stop these nuisance phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On three occasions I have made pre-payments marked as 'principle only, but on each occasion they have taken interest out to their benefit. In each case I need to spend 30 minutes on the phone to have the error corrected, and they claim there is nothing they can do about it. When I asked to speak with a supervisor, I was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: Paypal Holdings, Inc
State: NY
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Letter dated XX/XX/2020 states I have a debt to PayPal, inc sent to XXXX XXXX XXXX, XXXX to collect. I logged into the site provided with the XXXX XXXX number and the last four of my SS #. It won't log me in. This debt is caused mostly likely from someone who knew my name, address and my email and opened a fraudulent PayPal account. I should not be responsible for this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04
Company: DISCOVER BANK
State: WY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Application denials

Complaint:
I went to apply for XXXX home equity loan on XX/XX/XXXX. I got full pre-approval under the terms of 30 year loan interest of 9.99 %. I accepted this. They then requested lots of different information that I submitted. Every file said accepted. On XX/XX/XXXX I called them up because there was a small problem with the mortage statement I submitted. At this time I was told I was no longer approved because of debt to income ratio. The thing being I already had pre-approval and even the proof of income was already accepted. This loan would have been XXXX of my current debt payments without the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Self Financial Inc.
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: Reporting company used your report improperly

Complaint:
I had my phone stolen some time ago and its been longer than XXXX years with XXXX XXXX and I called them right after it happened

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX Collection acc 1 Month Date Opened XX/XX/2018 Account Status Closed Payment Status Late - Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department - Unpaid Status Updated XX/XX/2018 Balance {$710.00} Balance Updated Past Due Amount {$710.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: ALLY FINANCIAL INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company violated my consumer rights and heavily impacted my credit score on XXXX, XXXX  and XXXX by sending them to collections and on my credit accounts it states that it was opened on XX/XX/2019 ; I have no knowledge of this and want this removed due to fraudulence. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " It states an entity, company, person and etc. are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts an entity, company, person and etc. post on a credit report. '' And due to Ally Financial not being able to verify the account numerous of times nor provide any type of proof I would like this removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-10
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX Acct # - XXXX XXXX XXXX Acct # - XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly.

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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Account with an appliance company and if only a day late they will first repeatedly call personal cell phone every hour then start calling work number. This is the third time from XXXX XXXX that I have received a call with the latest call received today at my place of employment XXXX XXXX, XXXX at XXXX XXXX while I 'm servicing customers. I have repeatedly asked the caller XXXX to stop calling my work. I pay the account online and have never missed a month of payment. This company took over for the original holder of the agreement which went out of business ( H.H. Gregg ) and if I was going to be late I just notified them. I 've attempted to do the same thing with this company ( XXXX XXXX ) but she continues to call even after arrangement has been made.

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 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX # XXXX, 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
Consumer complaint received 2017-02-22
Company: Harvard Collections, LLC
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I did not receive my five day notice to dispute or a 30 day notice to dispute. I did not receive verification of debt I do not owe this debt

Company response to consumer: Closed with explanation