BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On or about XX/XX/2019 I received a phone call from the Branch Manager of the Citizen 's Bank who informed me that there was suspicious activity on the joint account that I share with my son who is a full-time student away from home. She asked if I was aware of several check deposits that had been made and indicated that the bank was aware of certain scams that ask for bank info when signing up for apps or loans over the internet. I was unfamiliar with these scams and had not recently attempted to sign up for a new app or credit card or apply for a loan. We called my son who also stated he was unaware of the recent deposits, had not signed up for a new app nor applied for a loan. The Branch Manager stated that copies of the fraudulent checks would be sent to me and that the account would be suspended while they investigated further. At no time did she direct me to call to make a fraud claim or indicate that the account was accruing fees. By XXXX, I was receiving letters from Citizen 's stating that the account was overdrawn by {$300.00} and that fees would continue to accrue until paid. Further, this account was referred to collections. When I tried to reach the Branch Manager again, I was told she no longer worked there. I met with the Interim Manager who called on-line services and told me that, even though the checks were not made out to me or written by me, I would be responsible for this debt because they were mobile deposits.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-26
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: Investigation took more than 30 days

Complaint:
Incredibly XXXX XXXX literally refuses to follow the FCRA, FCBA, or any Federal or state law governing billing disputes. This case is as defiant as you will ever come across concerning a financial company 's willingness to follow the law. There can be zero doubt XXXX XXXX is aware of the law, aware how they are in violation of the law as numerous emails, complaints and phone calls have been made to this reckless and defiant company, including to the CEO himself XXXX XXXX, and other board members. There is no other way to read there defiance but as a direct XXXX XXXX to Congress, the CFPB and the Courts. 
XXXX XXXX does business in America, they Profit off of Americans, but they have decided to ignore the laws, probably because they do not have any respect or fear for Congress or the courts. 

Since XX/XX/XXXX, I have had a dispute concerning a XXXX unauthorized charge in the amount of {$1000.00}. Although XXXX XXXX continues to have the investigation open they have been reporting the {$1000.00} as part of my balance to the credit bureaus. Which also places my account over the limit. The correct balance should be reflected as {$430.00}. As a result I have been denied credit including a mortgage and SBA PPP loan. 

XXXX XXXX claims they have contacted XXXX concerning my dispute, However I have contacted XXXX on several occasions asking for information concerning my dispute, each time XXXX has contradicted XXXX XXXX claims, stating XXXX XXXX has never contacted them concerning my dispute. If this is true and it likely is, they should not be in business and the CFPB should sanction them as a message to deter other financial companies from this egregious behavior. I have attached a recording of one of those conversation which happened on XX/XX/XXXX Further, as you will see in the attachments, XXXX XXXX had updated the 3 credit bureaus on XX/XX/XXXX than a week later deleted that update however leaving the XX/XX/XXXX information they furnished. 
XXXX also continues to charge me interest on the disputed charge. 
This complaint will be shared with members of congress, and the Mi. Attorney General and XXXX XXXX XXXX who I intend to retain in the upcoming weeks as soon as the finish reviewing my case. Note : I XXXX they can keep 100 % of whatever amount they may win.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-06
Company: EQUIFAX, 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:
This is my 17th attempt to dispute the information in my credit file which is resulted from an identity theft. Again, Im sending over an Identity Theft Report # XXXX XXXX and XXXX. Pursuant of FRCA section 605B ( a ) ( 1 ) ( 2 ) Credit Bureaus are required to block any information in my file that resulted from an identity theft, not later than 4 business days after the date of receipt with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report. Please block these unknown items from my file XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX, TX XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$340.00} ; US DEPT ED XXXX Balance Owed XXXX {$57000.00} ; US DEPT ED XXXX Balance Owed : {$71000.00} ; XXXX XXXX Balance Owed : {$1600.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX  ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance Owed : {$430.00} ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: Paypal Holdings, Inc
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I made two transfers of {$330.00} into my paypal prepaid debit card account on XX/XX/XXXX. The transfer was completed and approved. On XX/XX/XXXX, I had {$190.00} left on my prepaid card from my government stimulus check and paypal took the {$190.00} and put my account over {$600.00} in the negative. I've since had a deposit of {$140.00} and {$15.00}. Ive tried calling paypal numerous times over the past few weeks to resolve the issue. Every time I've actually been able to get ahold of customer service I've been on the phone with them for an hour before I was hung up on or being told I was being transferred because they couldn't resolve the issue. Today I spoke to a supervisor and she told me that paypal let me use the funds before they were available which is not true because I have a prepaid card and the trnasferwas approved and completed for over two weeks before they took the money out of my paypal debit card and put my account through paypal in the negative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My name is XXXX XXXX, cosigner for my daughter, XXXX XXXX, XXXX XXXX student loan, loan # XXXX. The loan came out of deferment in XX/XX/XXXX; I was not aware a payment was due. Once I became aware of the payment due, I paid it immediately, contacted XXXX XXXX to update my address and set auto pay to ensure timely payments.

As a result of the payment being 30 days late, my credit score dropped from XXXX to XXXX. Therefore, I requested XXXX XXXX retract this late payment as I was unaware of the payment, this is the only late payment, and I have set up auto pay.

XXXX XXXX refuse to retract this late payment from the credit bureau. I believe this is unfair as I have a solid credit history, this current score does not reflect my creditworthiness and XXXX XXXX   should provide courtesy and goodwill for customers who have ONE oversight ; then bring the account current, immediately.

Thank you very much for your assistance with this matter.

XXXX XXXX XXXX  XXXX XXXX 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 2020-12-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
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 have carefully reviewed my credit report and notice there were some accounts that are not mines, inaccurate and will need to be removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : Accounts : XXXX XXXX # XXXX, Portfolio Recovery Associates, Chapter XXXX Bankruptcy I have a copy of my Drivers Licenses and Social Security Card for verification purposes. Please notify me that the above items has been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 
Please Delete incorrect names : XXXX XXXX XXXX Please Delete Address that does not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Ohio XXXX XXXXXXXX XXXX XXXXXXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, Ohio XXXX Please Delete Telephone numbers that does not belong to me : ( 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 This is my number ( XXXX ) XXXX Please Delete Employment Data that does not belong to me : XXXX on XXXX, University XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: EQUIFAX, INC.
State: AR
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:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open are open. lease remove these accounts from my report as soon as possible. They do not belong to me. XXXX {$470.00} XXXX XXXX XXXX XXXX {$220.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: SYNCHRONY FINANCIAL
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: Information belongs to someone else

Complaint:
Hi I reached out to SYNCHRONY BANK because I recently checked my credit report and I noticed there stating I have a outstanding balance of {$1400.00} from the date XX/XX/2021 I have no knowledge of and this is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-26
Company: STATE FARM BANK, FSB
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:
I submitted a dispute with State Farm Bank and the CFPB closed the complaint when the company did not resolve the issue nor address the issue at hand. State Farm simply denied looking into my request and stated that there was no issue. If you search under State Farm Bank complaints online you'll find no less than 1000 complaints of similar nature to mine. This has greatly affected my credit and my ability to get good loan terms. The next step will be law suits against State Farm and the involved Credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Under FEMA guidelines for mortgage assistance moratorium, I was entitled to, and applied for, a 3 month mortgage forebearance due to Hurricane Irmas effects in my state of Florida. I spoke with an SPS rep in XX/XX/XXXX about the forebearance and was given word to stop payments and to call again in mid XX/XX/XXXX for further information. I did not make mortgage payments for the months of XX/XX/XXXX through XX/XX/XXXX. 

In XX/XX/XXXX SPS informed me that I would be responsible to repay those three months as a balloon payment in XX/XX/XXXX. The balloon payment obviously defeated the spirit and purpose of the moratorium, was not a reasonable solution, and was therefore not acceptable, so SPS offered a modification plan as another option, which I accepted. I filled out the required paperwork, and followed all instructions. 

By XX/XX/XXXX, however, I still had received no instruction from SPS as to how much to pay, so I sent in a check for the prior amount I had been paying on the original mortgage ( deposited by SPS XX/XX/XXXX - {$470.00} ). Note : This check is the reason why, I think, that I was later reported in XX/XX/XXXX as a 60 day delinquency ( see below ) instead of 90 days. 

Later that month I learned that the modification plan had reduced the monthly payment, so the next check I sent was for the new amount ( deposited XX/XX/XXXX - {$390.00} ). 

I made the following payments in subsequent months : XX/XX/XXXX {$390.00} XX/XX/XXXX {$390.00} XX/XX/XXXX {$390.00} XX/XX/XXXX {$390.00} These are SPS deposit dates. 

All of these payments have been sent ( and deposited by SPS ) on a timely basis, yet SPS reported to the credit bureaus in XX/XX/XXXXthat I was 60 days delinquent, which remains a serious blotch on my credit rating. 

Their " dispute advocacy team '' - i.e., the people directly responsible for these decisions - do not allow personal contact through phone calls, and handle everything through anonymous letters.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: Experian Information Solutions Inc.
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:
All three credit report companies after disputes still show accounts ADVERSE even though all the accounts have been corrected and in the text show NEVER LATE. The reports need to correctly list these disputed accounts as no longer ADVERSE. please help to have all three reports to be correctly listed. 

Thank you

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 2018-07-12
Company: Servatus Corporation
State: MD
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:
I check my credit at least twice a week due to identity theft last year. I noticed that a company called XXXX XXXX XXXX had an inquiry on my XXXX file dated XX/XX/XXXX. I called the company to ask them why they pulled my credit without my permission and they stated that they have a right to pull my credit because of a debt that I owed. I told them that I'm not aware of any bad debt and I have never received any information regarding the issue. They stated that they sent my information which is not true. I told them that they have violated my consumer rights and they have no right to pull my credit without my consent. I should be given the right to challenge and have them verify all information and resolve the issue there is absolutely no reason for this company to violate the protocol of a consumers rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: Charleston Area Medical Center
State: WV
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am XXXX and was waiting for XXXX to pay their part on the medical bills so I got behind on my bills. I wanted to pay off the bills so I called and was charged XXXX this was on XX/XX/XXXX. This was the total I owed so I paid it. 

Got a letter XX/XX/XXXX, saying I was behind on a bill fro XXXX so I paid it. 

Now come to find out that bill was from XXXX XXXX, and had been paid in the XXXX I paid and now they will not return my money. 

The billing office is hateful and condescending and just try and make you mad..They don't know what they are doing and get paid for that They transfer me from one agent to the next al the while saying smart and hateful things. 


One office blames the clinic the clinic blames the billing office.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-11
Company: Experian Information Solutions Inc.
State: NJ
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:
IVE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES.IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND UNQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY 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 2019-03-05
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: WY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I received a suspicious yellow post card in the mail. It says I recently closed on a mortgage with first interstate BK/OR, and it's important to contact them at XXXX asap! Mortgage ID # XXXX. 
SEEMS SUSPICIOUS!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was set up with auto-pay for an amount higher than the minimum payment and the Minimum payment changed and they charged me late fees even though the account was set up with Auto-pay. I requested the fees to be reverse and they did not do it. Due to this issue my credit score took a dive and they wont fix it either.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-02
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 is missing that should be on the report

Complaint:
I have had an open line of credit for over 7 years yet only 2 years of my credit is being reported by XXXX, XXXX, and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
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 a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a negative account on my account from XXXX XXXX XXXX. This account has not been validated. I would like this account deleted immediately. Its against the a FCRA to added false information on my credit report. I Would like this item removed. There will be attachments that was sent to me from 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 2020-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
THIS IS NOT A DUPLICATE CLAIM. EQUIFAX HAS NEVER RESPONDED TO THE FAIR TRADE CREDIT REPORTING ACT/LAW THAT STATES THEY MUST INVESTIGATE WITHIN 30 DAYS!

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