BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-12
Company: FIRST PORTFOLIO SERVICING 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: Account status incorrect

Complaint:
THIS COMPANY HAD CHARGED -OFF XXXX OF MY ACCOUNTS BUT FAILED TO SEND ME A XXXX FORM. ONCE THIS COMPANY LISTED THIS ACCOUNT AS A CHARGE OFF, THEY FAILED TO PROVIDE ME WITH A 1099-C FORM. THE FLORIDA STATUTE OF LIMITATION ON THIS DEBT IS XXXX  YEARS STARTING FROM THE DATE OF MY LAST PAYMENT. THIS COMPANY NOT ONLY CONTINUED COLLECTING ON AN INVALID DEBT BUT SOLD THIS INVALID DEBT TO NUMEROUS CLLECTION AGENCIES WELL PAST THE STATUTE OF LIMITATION FOR COLLECTING ON THIS DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: SYNCHRONY FINANCIAL
State: GA
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:
Have Been trying to make a regular payment for two weeks. Their app will not allow me to link a new bank. It still is not completed. Made a payment over the phone but they will not drop the {$27.00} late fee. Agent was rude and repetitive and controversial. Refused to help. Refused to get us a supervisor. We have tried their CHAT function. Its just form generated answers. We tried EMAIL. Same thing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
The bank I use is JP Morgan chase bank. My debit card was stolen from me on XX/XX/2018 and its pin was also stolen. I did not know the card was stolen from me at the time and the theif racked up {$4800.00} in charges at 4 different places. At two XXXX they charged around {$3000.00} and at two separate atms around {$20000.00}. Also my bank allowed this person to call and transfer money over from savings to checking at odd hours of the day totaling the amount of {$8000.00}. This all happened in the span of 1 hr and my bank did not stop the card from use. I wasnt aware of any of this because at this time I was sleeping. I have never used my card in the locations or banks money was spent or withdrawn. These location are 45 miles away from my house. My back which is chase bank will not refund me the money. Their only reasoning on not covering my fraudulent charges is that my pin was used. They arent working with me and every time I call to try figuring it out I get put on hold and dont talk to anyone. They keep telling me they cant do anything about it. Ive shown them police reports and photos of another individual using my card from the police.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-13
Company: CITIBANK, N.A.
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:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

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 2023-06-25
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
My rights have been violated due to inaccurate information being reported using permissible purpose ( 15U.S.C.1604 ). My rights have been violated by a block of information resulting from identity theft ( 15U.S.C.605B ). I have been denied bank loans due to these violations ( 15U.S.C.602B ). I was denied consumer goods and also these companies have violated the Violation Of Privacy Act of 1974.i.e. XXXX, XXXX, EXPERIAN, 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 2021-07-13
Company: TCF NATIONAL BANK
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I had some charges come out of my checking account the weekend of XXXX XX/XX/11. These charges caused my bank account to be overdrawn. I deposited cash at about XXXX XXXX on Monday XX/XX/XXXX that brought my account positive. When I checked my account on XX/XX/XXXX, there were five {$37.00} fees on my account. When I called TCF, they said that their cutoff time is XXXX XXXX  MST and that they wont reverse the fees. I find it excessive and unconscionable that a bank can have a XXXX XXXX  cutoff time and charge me {$180.00} for making a cash deposit twenty minutes too late. The bank will not provide me their policy in writing either. I filed a complaint with a supervisor and they said that they would get back to me in ten days, but in the past, those promises have been unkept by TCF. They have inconvenienced me multiple times with system outages and ATM outages related to their merger with Huntington Bank. I feel that they should reciprocate by waiving these fees based on the details Ive laid out here.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have a fraud alert placed on my credit file, that indicates anyone who runs my credit needs to call me and verify and that was not done that violates my right as a consumer I have reached out to the credit bureaus about this matter on more than one occasion to advise about my credit being pulled without my permission and nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: PENTAGON FEDERAL CREDIT UNION
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2019 I opened PenFed Savings account & deposited the {$5.00} they required for me to be eligible to open a credit card account with them also. 
I was asked at that time to provide a color copy of my drivers license, a current utility bill & a color copy of my social security card. I travel for work and did not have my social security card available. I asked if I could use drivers license, utility bill & my US Passport- I was told yes, that would be fine. I scanned those documents and emailed them to the email address they had given me. Several days later I was sent an email telling me the had to have a copy of my SS card. I called and explained the scenario mentioned above & this time was told I still had to provide a SS card copy - he couldnt explain why I had been told that my passport & other documents would be sufficient. Ive now received my first credit card bill & am not able to link my non-PenFed checking account as a payment source. I phoned today XX/XX/2019 and was told that I must provide a color copy of my SS card or a tax statement in order to be able to link my checking account to pay my bill. 
I understand that verification of identity is required & important- but I am XXXX years old and have never been asked or required by any bank or financial institution to provide the documentation they are asking for. Is their request even legal? I would appreciate knowing why the documentation I have provided is not sufficient & whether their request is a violation of current consumer protection law. 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 2020-04-23
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I CONTACTED THE BANKRUPTCY COURT AND THEY STATED THEY DO NOT REPORT TO THE CREDIT BUREAUS. AND THE INFORMATION IS STILL REPORTING ON MY 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 2019-07-19
Company: EQUIFAX, INC.
State: OK
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 three different accounts showing on my Equifax report that has no owners name, the accounts just shows ( original creditor ). 

On XX/XX/2019 I sent a certified investigation letter to Equifax which was delivered on XX/XX/2019 ( Tracking # XXXX XXXX. XX/XX/2019 Equifax sent an updated report on the accounts included on the investigation letter that did not include the three ( original creditor ) accounts. 
XX/XX/2019 I ran a new credit report and the 3 ( original creditor ) accounts was still showing on my report. I then sent a certified discrepancy letter to Equifax on XX/XX/2019 which was delivered on XX/XX/2019 ( Tracing # XXXX XXXX. XX/XX/2019 and XX/XX/2019 Equifax sent a detailed credit report of the accounts that was on the discrepancy letter, and once again the 3 ( original creditor ) accounts was not on the report. 

XX/XX/2019 I ran another Credit Report from Identity IQ and the 3 ( original creditor ) accounts are still showing on my credit report as a collection/charge off, with a consumer disputes this account info, medical, subject has not satisfied debt. 

I have attached all the certified letters and results from Equifax where they never verified the debt and/or removed them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: REGIONS FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I AM AN XXXX YEAR OLD MAN WITH A SMALL REGIONS BANK SAVINGS ACCOUNT. I LIVE MOSTLY ON A SOCIAL SECURITY XXXX PENSION. I AM XXXX XXXX XXXX IN MY XXXX XXXX  AND CAN NOT READ WITHOUT A BIG MAGNIFIER IN MY XXXX XXXX, WITNESS MY USE OF AJLL CAPS. 
I HAVE A RECENTLY OPENED SMALL STOCK ACCOUNT WITH XXXX. 
WITH MY XXXX XXXX BLOW UP FEATURE AND CAN MANAGE. RECENTLY I NOTICED THAT REGIONS WAS FINING ME {$12.00} WHEN I TRANSFERRED FUNDS TO MY STOCK ACCOUNT. XI HAVE NEVER TO MY KNOWLEDGE BEEN ADVISED BY REGIONS THAT THEY WERE DOING THIS. I GET NO HARD COPIES OF MY STATEMENTS. IT IS REAL HARD FOR ME TO TEAD ON LINE STUFF. 
I DO NOT THINK REGIONS HAS THE AUTHORITY TO TAKE {$12.00} DOLLARS FROM THIS OLD SICK MAN EVERY TIME HE TRANSFERS & XXXX OR {$100.00} DOLLARS TO XXXX  FOR HIS NEW GREAT DAUGHTER XXXX. IT SIMPLE IS UNREASONABLE AND UNFAIR.

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 2023-03-16
Company: PLANET HOME LENDING, LLC
State: NY
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:
Hello I am filing this complaint because the band Planet Home Lending that I was paying my monthly payment. I applied for and natural disaster forbearance because of the Covid pandemic. Unfortunetly the pandemic affected our house hold income because my wife lost her hair salon business because of the pandemic. We had no other choice but to apply for this help because income was affected. We eventually sold the home in XXXX of 2022 I informed Planet Home Lending of this. And they said ok no problem and not to worry. So we closed and Planet Home Lending was paid in full I even received a letter stating that. At no point in time did they say thye will report a late payment when they had no reason or right to do so. They did this after they received full payment without notifying us. And they knew that my spouse lost her business because of Covid. So this report of late payment has affected my score and my spouse score and now is making shopping for a new mortgage very difficult because the lower score we can only get bad interest rates. I have contacted the bank nuerous times and I just get the run around i had 2 supervisers tell me thye didnt report anything and then I have another superviser saying they did. Very rude and not caring at all. All I want is this late payment which shoulf not be there removed off my report and my spouse please. 
Thank you for your time XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
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: Public record information inaccurate

Complaint:
I have a paid and satisfied Ga tax state lien that has been released on XX/XX/2017 from the XXXX XXXX XXXX XXXX. I have submitted the information over to all credit bureaus, XXXX, XXXX, and Equifax. All bureaus besides Equifax have released and removed the lien from my credit report. I have called Equifax on several occasions to se reason on why they wont remove this lien from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 sent XXXX XXXX A cease and desist on XX/XX/2021. Pursuant to the FDCPA theyre willfully violating my federally protected rights. A cease and desist is to cease all forms of communication. And communication pursuant to the FDCPA means to convey information regarding a debt directly or indirectly through any medium. XXXX XXXX is harming my reputation to lenders by not abiding by my rights. This is causing me great harm when it comes to me providing for my family by constantly being denied due to XXXX XXXX not ceasing communication through all mediums

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 2018-11-26
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Nationstar Mortgage consistently reports my mortgage as not received. I contacted them 6 months and disputed it thru the 3 major credit reporting companies. Nationstar fixed the problem for approximately 3 months and has stopped reporting my mortgage as being paid. This has dramatically impacted my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: AES/PHEAA
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: Old information reappears or never goes away

Complaint:
I have disputed and asked to remove AES student loans form my credit report with XXXX. I am asking because the account does n't belong to me. The account was transferred without my knowledge.I am asked for it to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: CITIBANK, N.A.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
XX/XX/2018 I opened checking & savings accounts under a {$400.00} new account bonus offer and then transferred the required funds in ( see Bonus Screen attachment ) XX/XX/2018 I started an online chat with CitiBank to ask about the bonus and was told the bonus would be applied by " XX/XX/2018 '' ( see Chat attachment ) XX/XX/2018 I  called to ask about it and was told a " promotion dispute '' Reference # XXXX would be opened and I'd hear something within 10 days. 
XX/XX/2018 Still no bonus so I called again and asked for a supervisor. I was transferred to XXXX who said he would escalate the issue. 
XX/XX/2018 No updates from CitiBank or bonus paid so I called again and asked for a supervisor. XXXX picked up on the supervisor line, told me there was nothing saying when the bonus would be paid and that the bonus team did not answer when he tried to contact them. I told him I would be filing a CFPB complaint so asked if he would put a note in the file so they can prepare a response.

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 2017-09-06
Company: CITIBANK, N.A.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I was never eligible to receive a credit card before till recently yet on my XXXX XXXX it says I have an open account with CBNA since XXXX XXXX, 2017. I 've never heard of that bank ever and I got a phone call saying I have a {$3000.00} debt to pay off but when I told the operator I had no debt or card with that problem he hung up on me. Immediately I was suspicious of the situation. The pictures below show I have a XXXX XXXX card that I just got approved for and the other is the cbna which I have no idea about.

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 2019-09-06
Company: MOHELA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
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 started XXXX XXXX  XXXX in XXXX XXXX, Oklahoma on XX/XX/2018. I was there until XX/XX/2018. During those 3 months I was hit with 6 marks on my credit score. Ive tried calling Mohela and they say theyre not able to take it off because its my fault I was gone and joined the military. In basic training you do not have access to the outside world for almost 3 months. There was no way for me to pay it. So now Im here at my duty station with a terrible credit score that cant get me any loan to get a vehicle I need to get around base. I am constantly asking for rides. My credit can not recover and I can not get a car without it being removed which they refuse to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: Peterson Enterprises, Inc.
State: WA
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 been trying to get a collection account removed from my report. I have filed 2 different disputes with XXXX for the same account and they do an " investigation '' which takes maybe a week or 2, and both times they come back saying that the account/balance is valid. I have sent them copies of the cashed check from my bank that the collector cashed and stamped with their name and address, and XXXX   REFUSES to update my credit report to reflect that information ACCURATELY. They are still showing that I owe them money when I don't and they have seen the checks that prove it!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: ProCollect, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A debt was added to my credit reports BEFORE I was notified of the debt in writing and the opportunity to dispute. The debt stems from student housing for my daughter. She never received the keys or took possession of the unit. We attempted to resolve this with the apartment complex but was unable to. I was not made aware the debt had been handed over to a collection agency until it showed up on my credit report. I tried disputing it with the credit bureaus bureaus but ProCollect continues to validate the debt even though I was not made aware nor was my daughter. I am asking again for them to remove the debt from my credit report and my daughters credit report. Her name is XXXX XXXX. We are supposed to have an opportunity to dispute the validity of the debt before it is added to our 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