BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/XXXX, I received an email informing me that my credit card payment to XXXX XXXX  for {$100.00} had not been received. I went to my Citizens Bank account on-line and saw that my check ( # XXXX ) had been altered, with a different payee ( not XXXX ) and a different amount ( {$16000.00}!!! ). 
I called Citizens Bank and told them of the alteration. I was advised to go to my local branch, inform them, and open a new account. 
On XX/XX/XXXX, I received a call from XXXXXXXX XXXX XXXXXXXX XXXX informing me that they had put a hold on that check that had been deposited in a XXXX  account at an ATM ( in XXXX, MA ). 
On XX/XX/XXXX I went to my local Citizens branch, closed by old account, and opened a new one. I was informed at that time of several incidents like mine and was assured that it was clear that my check had been altered. 
On XX/XX/XXXX I received from Citizens Bank a request for information so they could proceed with their investigation. 
I sent Citizens Bank the information they requested : a copy of my bank register with the XXXX check and amount highlighted, my copy of the XXXX bill with the date of payment indicated, a copy of my last bank statement with the copies of all my checks in that time period which showed that the writing on the " pay to the order of '' line and the amount did on check # XXXX did not match the writing on the other checks. 
This information was mailed on XX/XX/XXXX. 
On XX/XX/XXXX I called Citizens Bank Complaint Department and they told me that XXXX XXXX  had been contacted. 
On XX/XX/XXXX I called Citizens Bank again and was told they would again contact XXXX XXXX  and I should contact them again in XXXX weeks. 
On XX/XX/XXXX I received from Citizens Bank the same requests that I had received on XX/XX/XXXX. 
I called Citizens Bank and was told to only needed a copy of my bank register ( which I had already sent ). I sent it again that day. 
On XX/XX/XXXX I again called Citizens Bank and was told that they still need to follow up with XXXX Bank. I was hung up by a supervisor I asked to talk to ( her name was XXXX XXXX. 

This is a complaint against Citizens Bank both for the length of time that they are not returning my money to my account and for the way I have been treated. 
Please contact me if you need any more information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-15
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: Account information incorrect

Complaint:
XXXX XXXX  ACCT # XXXX CHARGE OFF BALANCE This was a secured credit card. The account has been CHARGED off but a balance remains reported on my credit report. I have requested several times for an investigation into the continued reporting violation and haven't gotten any results. They continue to VERIFY as accurate. This has been done without any changes being made, not even an update to this balance.The credit bureaus continue to allow this although it is a clear violation to continue reporting inaccuracies. This account should be 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 explanation
Consumer complaint received 2023-06-29
Company: Grain Technology, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received a credit alert on XX/XX/23 that I had an account reporting 30 days past due. I looked and say that my grain account was reporting 30 days past due when that wasnt true. I reached out to the company via email XX/XX/23, XXXX.I finally receive a response on XX/XX/23 and they told me since I was a few days late paying they were accurately reporting my account past due. 

They are falsely reporting my account as 30 days past due causing a drop in my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: National Credit Adjusters, LLC
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I consumer ( XXXX XXXX XXXX looked at my credit report recently and I notice that this company NCA was violating my rights as a consumer. I have done no business with NCA and don't plan on doing business with them. These accounts are hurting my credit report. As a consumer, I have a right to privacy. I no longer have that due to these collections. I have been harassed which is another violation. Please do not tell me that I have not only I the consumer can consider what is harassment. My character has been defamed. I am demanding the following actions below. I have sent them an invoice with all violations. I have attached my license.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was offered a credit card in store when I made a large purchase of over {$500.00}. I excepted the card and never received the actual credit card. 
About two months later I receive the statement with the total amount of the purchase and late fees - even though I still hadnt received the card nor a previous statement. 
I had tried to create an account online to pay it off quickly and I couldnt do that because I didnt have the card. 
I called to complain and they said they would send me another card. Meanwhile I decided to pay off the total amount and they said they would take off the late fee since I wasnt able to pay due to the problems with the carD delivery. 
I spent over an hour on the phone they told me they would takeoff the late fee and I paid the total balance and asked to close my account. They assured me I was paying off the total amount and yet I received another statement a few weeks later with another charge of interest and another late fee fora rotal od {$33.00}. 
I called to inquire and let them know that XXXX shouldve been taken care of and they told me at that point that unbeknownst to me, my balance had climbed to {$61.00} - versus XXXX! So now they not only didnt take off the 1st late fee that they promised but then they slapped on another {$27.00} and compounded interests! - yet my account is CLOSED. 
This is absolutely predatory- fraudulent ans needs to be stopped. I went from paying off jy total balance to owing {$60.00} without purchasing even a needle for a penny!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-07
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and Equifax credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every XXXX and Equifax credit bureaus shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/2015 Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XX/XX/2017 I call USAA Saving Banks and requested to closed my checking account. I was told by a representative that I had pending charges and once they cleared they would send me a check in the mail for the remaining balance. I received the check and later cashed it. A few months later I received a notification that a late payment was reported to the credit bureau. I checked that notice and it was from USAA Saving Banks reporting that I owe them {$10.00}. They have been reporting me late for the last few months on an account that I closed in XX/XX/XXXX and received a refund from. I have enclosed a copy of that check in my dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-12
Company: U.S. BANCORP
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I wanted to close my checking account at U.S. Bank ( U.S. Bancorp ). I firstly transferred out all my money ( total {$1500.00} ) from my checking account on XX/XX/XXXX. On the same day, I called U.S. Bank ( U.S. Bancorp ) service center to close my checking account. The representative of U.S. Bank ( U.S. Bancorp ) refused to close my checking account on XX/XX/XXXX. The representative said that I had {$1500.00} transfer with pending status and asked me to call them the second day. I followed their requirement and called their service center the second day ( XX/XX/XXXX ) and asked them to close my checking account again. Another representative refused to close my checking account again. The representative told me that they would not close my checking account if I dont pay them {$6.00} fee. I told the representative that this fee was not shown on my U.S. bank app yesterday ( XX/XX/XXXX ). I already informed U.S. bank to terminate my bank service yesterday XX/XX/XXXX. They never charged me any fees before. It is not reasonable to charge me fees when I want to close my checking account.

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 2021-10-05
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was receiving satellite internet services from XXXX up until XX/XX/2020. At that point I cancelled service by calling the company. XXXX continued to try to debit my bank account each month for services provided after that, requiring me to dispute each charge with my bank. Earlier this year I called XXXX again about the erroneous charges. They apologized, and said they hadn't received notice of my cancellation via their internal channels ( even though I had returned their equipment ). Yesterday I received a letter from Southwest Credit Systems, saying my XXXX account ( # XXXX ) had been turned over to collection for {$1500.00} owed. The Southwest reference number is XXXX. I dispute the XXXX charges for services never received, and for attempting to raid my bank account with automatic payment debits every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
I have contacted Experian 3x on the XXXX, 1x on the XXXX, 1x on the XXXX, 1x on theXXXX, and 3x XXXX, of XXXX because there are multiple errors on my credit report. The issue is that Experian does not have current information, hence clausing a low credit score that has resulted in multiple hard inquirer 's See XX/XX/XXXX, and has cost me 2 percentage points on a loan. Experian has made minimal changes, however they have not made the necessary changes to ensure I have the proper credit rating. 

The responses from Experian, simply state the dispute is closed, it says nothing further. 

At this time, I do believe Experian is responding to my requests nor do they understand the gravity of what their actions are costing me. 

I would appreciate any assistance. 

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 2019-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, TRANSUNION AND XXXX HAS ACCOUNTS ON MY CREDIT REPORT THAT ARE NOT MINE. 


US DEPT OF ED/XXXX -- NOT MINE XXXX XXXX -- NOT MINE XXXX   XXXX XXXX  -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX -- NOT MINE XXXX XXXX XXXX XXXX XXXX, FL XXXX -- - NOT MINE

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 2018-12-11
Company: Statebridge Company
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX my loan service stated that I would need to show proof of homeowner liability insurance. I provide this proof through my associations master policy which covers the rebuilding of my home interior and exterior. The servicer placed forced coverage inspite of my writting request not to do so. I had no knowledge of what type of coverage was place, what it covered and the cost was not know until XXXX, when they made the same demands again. Cost was over 10X the  cost of a normal H06 policy. 

I have lived at this residence since XXXX. XXXX XXXX was our loan servicer and not once did they require a personal home liability policy. The homeowners association also has never made such a requiremnent. I understand that this practice is illegal in New York State. he cost of the illegal policy was close to {$5000.00}. A normal consumer home liability policy ( of which I recently purchased ) cost less then {$600.00} per year. The placement of the forced insurance has had severe impact on my ability to pay my monthly mortgage. This annual insurance premium was taken out of my escrow monies which placed me in a negative balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: Uplift, Inc
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I have tried for a month to get assistance on the refund from XXXX XXXX to Uplift. No one will help, hold times are hours and I am purposely given misinformation. There have been nearly 30 communications between XXXX and uplift and it is a nightmare. They are capitalizing interest to make profits and extend the refund process out as they will not back date anything and interest is accruing this entire time. I have travel insurance and should get 100 % refund minus the travel insurance- there is a document uplift is requesting and XXXX XXXX uplift needs to send then something. This is completely illegal what theyre doing to people and should Be looked into ASAP! I have voicemails and emails to support this claim!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: SLM CORPORATION
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Denied loan

Complaint:
hi, my name is XXXX XXXX and wanted to know if I have graduate degrees and partially paid out of pocket for and decide to go back to school would I qualify for student loans? 
I have passed the XXXX  excess amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: Experian Information Solutions 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:
not adding the accounts back to my credit profile that they removed b/c it had good payment history

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 2019-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
on XX/XX/2019 I contacted TU on the phone based upon a recent alert I received saying that there had to be an error pertaining to my FICO score from TU. 

I advised that my FICO had gone down 50 or more points, for NO reason, no explantion of why, no factors explaining why. 

I spoke to customer service and as advised that I was speaking to representaives in XXXX. I asked why XXXX and XXXX FICO had gone up in the 700 's but TU dropped so dramtically, the represntaive did not understand my question. I repeated myself several times, I then asked for a suprevisore, after 15 mins or so, I female supervisor came on the line. I asked the same question she advised my if I wanted the factors of why FICO dropped I would need to pay XXXX $! I disputed thisa and she said that what its costs, either pay or she cant help me! 

this is a crime, its illegal, there is obviously a error in TU system and no one can answer me, and If pay she can tell 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 2021-07-06
Company: EQUIFAX, INC.
State: MI
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:
The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/XXXX and Several times prior to that. 

Account Name : XXXX XXXX  Account Number : XXXX AMOUNT : {$0.00} Reason : Account is fraudulent Account Name : XXXX Account Number : XXXX AMOUNT : {$0.00} Reason : Account is fraudulent Account Name : XXXX Account Number : XXXX AMOUNT : {$0.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$19000.00} Reason : Account is fraudulent Account Name : XXXX Account Number : XXXX AMOUNT : {$1800.00} Reason : Account is fraudulent Account Name : XXXX XXXX  ( XXXX XXXX Account Number : XXXX AMOUNT : {$110.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ) Account Number : XXXX AMOUNT : {$73.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX  ) Account Number : XXXX AMOUNT : {$5000.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX AMOUNT : {$700.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX AMOUNT : {$720.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX AMOUNT : {$880.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX ) Account Number : XXXX AMOUNT : {$420.00} Reason : Account is fraudulent Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD
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:
Upon reviewing my account with Toyota Financial CompanXXXX, I realize Toyota Financial has inadvertently miswrote my housing address which as a result caused me to not receive my billing statements. As a result of this address error, I did not receive my statement and was ultimately late on my account due to the creditors negligence. I am requested that this late payment be removed from my account immediately.

Company response to consumer: Closed with explanation