BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-21
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
To whom it may concern, OnXX/XX/XXXX We received a Fifth Third Credit card statement Trio Credit Card, dated XX/XX/XXXX to XX/XX/ in my husbands name, with a XXXX balance.This credit card in my husbands name was opened up on XXXX. My husband never applied for this credit card at Fifth Third Bank in XXXX XXXX Illinois, so we called the credit card Fraud department at Fifth Third, and explained the situation and closed the credit card down due to fraud. We then asked if any other cards were opened up in his name, or my name and they told us that a XXXX XXXX rewards card was opened up in my name on XXXX and told them this was fraud as well and to close it down.My husband and I NEVER received an official credit card in the mail, nor did we ever receive any statements except for the one dated XX/XX/XXXXto XX/XX/XXXXin my husbands name which alerted us to these credit cards being opened up fraudulently. 
Both of these cards were opened coincidentally the same day as our loan was opened by XXXX XXXX manager at Fifth Third in XXXX XXXX, which makes me believe someone at XXXX XXXX in XXXX XXXX opened up these cards fraudulently. 
The manager at the time, XXXX XXXX was fired from Fifth Third Bank in XXXX XXXX which makes this even more interesting.Not only did my husband and I find out we had these 2 cards opened in our name, but I had 2 other cards opened in my name from Fifth Third Bank, and my husband had 1 other card opened up at Fifth Third in a woman 's name using my husbands social security number. It is our belief that all these fraudulent credit cards were opened up so that the person who opened them up at Fifth Third Bank ( in XXXX XXXX )? " got bonus points '', or extra money for doing this. Why would all of these credit cards be opened up if my husband and I never received an official card to charge with? We would advise ANYONE NOT TO OPEN CREDIT CARDS UP AT FIFTH THIRD BANK due to what happened to us! We reported this to our local police department, The XXXX FBI, and the FTC in XXXX. No one should have to experience this, but unfortunately this has happened to us since using Fifth Third Bank in XXXX XXXX, Illinois.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-27
Company: Experian Information Solutions Inc.
State: NC
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:
On XX/XX/XXXX, I first placed a dispute of various accounts that were showing on my personal credit report, yet were never authorized and were fraudulent due to Identity Theft. Despite placing all proper supporting documents along with the described accounts in the mail with the major credit reporting agencies. Nothing has changed despite me following following their dispute procedures they have not followed the law of the FCRA sec 605b I am in need of assistance in this matter.

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 2019-09-06
Company: DISCOVER BANK
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
After requesting a full credit card payoff with discover credit card. And completely paying off the card. I am being charged interest on XXXX interest charges due to past balances. 
This is the third time this has happened and discover in the past has acknowledged that its a mistake. This must be a systematic overcharging by discover. Please investigate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-28
Company: Medical & Professional Collection Services, Inc. NC.
State: IN
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:
the account just showed up on my account one day and I know nothing about it, called them and they would not even give me any information or explain what its for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a loan through the Department of Education, third party Nelnet, that I am in the process of repaying. In the fall of 2015, I had some trouble repaying my loans, which resulted in four missed payments on my account. I pay ONE bill to Nelnet, with no option to allocate the payment. I have four student loan disbursements, but I was under the impression they were consolidated - especially since I only have the option to pay one bill. However, the company reported my missed payments to the credit bureaus as 16 missed payments ( 4 missed payments for each of the 4 accounts ). This has greatly impacted my credit score, and is keeping me from being able to move forward with purchasing a home. I have contacted the agency and have been told that because I was not in the military at the time of the missed payments, there is nothing they can do. My problem is the duplicate missed payments. It doesn't seem right that if I do not have the option to pay the accounts separately that they can penalize me separately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: MOHELA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I make a payment every month and because it is within 120 days I request that it is applied to the principal. Every month they do not apply it to the principal and I have to call and for them to reapply the payment just to the principal. 

My 2nd to last payment was made on XX/XX/18. I requested that the payment be applied to principal only for the same reason ( within 120 days ). I've called 3 times for them to do this and it is not being completed. It is now a full month. Calling is not resolving the issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: M&T BANK CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I recently opened a checking account with M & T Bank online depositing {$25.00}. XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX eposited a loan amount of {$850.00} on XX/XX/2019. 

M & T Bank stated that is a fraudulent Company and check and put a block to my online access to my checking account. They claim XXXX XXXX check will not clear. 

HOWEVER : I repetitively tried to communicate with representatives of M & T Bank. 

AND THEREAFTER : XXXX XXXX deposited {$900.00} today, XX/XX/2019 and M & T I have employment training to attend shortly and bills to pay. M & T stating my available balance is over {$1000.00} yet they in addition put a Hold on my account AND stated I will have to wait ONE to TWO weeks for their Investigator to call me. FRAUD!!!!!!!!!!!! 

I have very important payments to make and begin my training & employment. This is IMPERATIVE that M & T allow me access to my monies. I had a previous account with M & T Bank, XXXX, NJ just a few months back and as I was forced to not continue work at the time, I had to close my account ; there was never any problem. Please assist. 

Please press Complaint & Fraudulent Unlawful Withholding of Monies against M & T Bank.

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 2020-05-11
Company: DISCOVER BANK
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: Account status incorrect

Complaint:
Discover Bank is reporting a balance of {$280.00} on a closed credit car account. How can there be a balance on a closed account? The account was paid off years ago and this information they are reporting is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: Midwest Recovery Systems
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
XX/XX/XXXX I received a call from Midwest Recovery Services stating I owed a debt for a supposed payday loan taken out in XX/XX/XXXX. They stated that I owed {$600.00} to XXXX XXXX XXXX XXXX and that I gave them permission to take an ACH from a XXXX XXXX account ( which I've never had ) and that it was insufficient funds. When I asked them to send me documentation regarding this debt -since I'd never taken out a payday loan or had a XXXX XXXX account, they hung up on me. I called them back and spoke with a XXXX XXXX and she stated that they are just a mediator and do not have access to that information. I explained that the address they had for me was not mine and that I never had a XXXX XXXX account nor taken out a payday loan and she threatened to send it to the Attorney General for prosecution and that once they do that I would have access to this documentation and then hung up on me again. I did some research online and discovered that they do this to a lot of people and say the same thing and these people also have never taken out a payday loan. This company needs to be stopped. They are ruining peoples credit with fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I checked my personal credit report, which I acquired from your organization on XX/XX/2021 and I noticed that this unauthorized inquiry had been made : XXXX XXXX XX/XX/2021 This is an unauthorized fraud inquiry and must be removed from my credit report XXXX XXXX XXXX XX/XX/2021 This is an unauthorized fraud inquiry and must be removed from my credit report XXXX XXXX  XX/XX/2021 This is an unauthorized fraud inquiry and must be removed from my credit report I contacted the creditors who placed the inquiries ( XXXX XXXX, XXXX  XXXX XXXX , & XXXX XXXX ), and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 

Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation.

Thank you for your help and assistance.

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 2018-11-27
Company: SYNCHRONY FINANCIAL
State: RI
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 got an unauthorized hard credit check on my account earlier today from Syncb. 

After searching online I found that some other people had the same issue and we're unable to fix it by calling the company and they would transfer the call in an endless loop. 

The final solution seemed to be reporting to consumer finance. 

I have no idea who this company is and why they have done a check on my credit.

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 2018-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have asked for debt validation on my credit report from TransUnion. I have requested this many times over the last 5 months and every time it comes back with " verified '' however TransUnion never sends me proof of this verified account. I would like this account verified or removed from my report, I would like them to send the proof that they legally have to showing HOW they verified this account, something showing where I have a contract with this debt and a signature or something showing it belonging to me. The account in question on my report is XXXX XXXX  I have sent certified letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXall requesting that I have proof of this debt and every time without proof they have verified it.

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 2018-06-15
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2018 ; I made a {$600.00} cash deposit at my neighbors US Bank. After taking the money, the ATM displayed a message and gave me a printed receipt stating it encountered an error and can not deposit or return my money. It say I should call the XXXX # on the receipt.

I called the number straightaway and I was told it issue should correct itself within 24 hours.

I have check or call back everyday since and the issue has not been resolved. I went into the branch and was told there is nothing they can do until the ATM is fixed. It has been 5 days and I still dont have my money.

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 2018-02-21
Company: JH Portfolio Debt Equities, LLC
State: TX
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:
JH Portfolio failed to fill out the disclosure statement i sent and was not able to validate debt so a estoppel was placed on them yet I still see a violation of my copyright for unauthorized use. 

I did not know about this debt nor do I recall receiving any letters from JH portfolio prior to them posting me into the credit report.

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 2021-07-13
Company: SYNCHRONY FINANCIAL
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2018-12-17
Company: CITIBANK, N.A.
State: CA
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:
I purchased an XXXX  for {$180.00} on XX/XX/XXXX. On XX/XX/XXXX, I cancelled the reservation for a 50 % refund. I was unhappy with a 50 % refund, so I started a dispute with CITI. 

On XX/XX/XXXX, I received a notice from CITI that they were going to reverse the dispute and charged me {$93.00}. A {$90.00} refund had been received but I had also received a {$93.00} penalty, so I ended up paying more than the cost of the XXXX  for something that I had cancelled and received services from.

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 2020-05-11
Company: ONLINE Information Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
this debt has not shown me a signature that this debt is mines. This debt is {$200.00} and is stopping me from getting utilities for my household.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: Advance America, Cash Advance Centers, Inc.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX XXXX XXXX, ALSO XXXX XXXX XXXX  ARE TRYING TO COLLECT FOR ADVANCE AMERICA. XXXX CONTACTED MY MOTHER AND GAVE HER INFORMATION ABOUT MY DEBT, THEY TOLD HER THEY WERE GOING TO TAKE ME TO COURT IF I DIDN'T PAYED WHAT I OWED. SHE TOLD THEM TO STOP CALLING AND THEY KEEP ON CALLING, THEY SENT HER A TEXT MESSAGE AS WELL. I NEVER USED HER AS A REFERENCE, I DO NOT UNDERSTAND WHY THEY CALL HER. I CALLED THE COMPANY TODAY AND I STATED THAT I HAD NO MONEY AND THEY NEEDED TO STOP CALLING ME AND MY MOTHER, THE LADY I SPOKE WITH SAID THAT SHE WAS GOING TO KEEP CALLING ME EVERY DAY AND THAT I NEEDED TO ASK SOMEONE FOR MONEY TO PAY, THAT THE MONEY WASN'T GIVEN TO ME FOR FREE, I TOLD HER TO STOP CALLING ME AND SHE SAID NO, WHEN I TOLD HER THAT ACCORDING TO THE FDCPA RULES SHE HAD TO STOP CALLING ME, SHE HUNG UP.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: EQUIFAX, INC.
State: VA
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'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). Today on XX/XX/2021, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX  is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX,, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: EQUIFAX, INC.
State: OH
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 602 A states I have the right to privacy.

15 u.s.c 1681 604 A states a consumer reporting agency can not furnish a consumer report with out written instructions from consumer. 

In accordance with the fair credit reporting act the following accounts being on my credit report has violated my rights. 

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

Company response to consumer: Closed with explanation