BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-23
Company: MIDFIRST BANK
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
The IRA Department issued an improperly payable trustee-to-trustee cashier 's check in the name of an FBO that is NOT me. It also claims that the account number provided by the new custodian was wrong, but that's a load of garbage. The instructions by the new custodian ( that were originals that had been mailed when first received ) had been run through a fax machine at least three times, and it was the bank 's fax machine and procedures that caused the account to appear illegible XXXX made 6s look like 8s ), and none of that matters because the main problem was the payee designation. 

The error was 100 % the IRA Department 's fault, but the IRA Department will not send new funds until the incorrect check is returned. The incorrect check was never in my possession. It was all handled by the IRA Department. 

The IRA Department 's failures should not become my problem. 

Attached are copies of the improperly payable check and the illegible faxed instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-28
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Synchrony Bank is back using their same old habit of sending a bill one month and skipping one month so they can continually add fees to my bill. At the rate they are going I will never get the bill paid down. I have reported them once and for months they stopped their sneaky process. They are back at it. XXXX has numerous complaints about XXXX. How can they continue to do this? It's strange that XXXX XXXX credit card was switched to XXXX XXXX and there's never a problem. Add their constant calling to this COVID virus and it's enough to make a person scream. Do they not know that a disaster is happening? Are they just really that cold? I have about had it.Once I get the bill paid off which will take forever the way do business I am going to cut their cards into pieces and mail them to them.

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 2020-05-28
Company: CURO Intermediate Holdings
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I got a XXXX $ payday loan in 2016 from speedy cash. I offer to pay what I owed. Because of a judgement they put on me..for XXXX now it has went up XXXX $ because I supposedly owe that interest

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: PENNYMAC LOAN SERVICES, LLC.
State: MA
Product: Mortgage
Sub-product: FHA mortgage
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 see multiple 120-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted the court where they are saying its verified through. the court states they do not report any activity to the credit bureaus. so therefore this is not reporting a 100 % accurate. I have filed a dispute with them multiple times but they. keep saying its not coming from me. PLEASE DELETE THESE bankruptcies FROM MY CREDIT REPORT AS IT IS EFFECTING ME ON GET A NEW HOME. XXXX  XXXX AND XXXX XXXX bankruptcy NEEDS TO BE DELTED OR I WILL SEEK LEGAL AND SUE YOU FOR DISREGARDING MY CONCERS. XXXX DOLLARS PER VIOLATION.

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 2023-07-21
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-28
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX  Last reported XX/XX/2020 {$340.00} Reported balance XXXX XXXX XXXX XXXX XXXX XXXX, OR 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 2019-03-26
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
My application for a barclays Card was denied. The reason for the denial is that I have sufficient Credit on another Barclays Card that I have had now for about 3 years.

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 2019-03-26
Company: AES/PHEAA
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Loan service provider should be aware that court order dated XX/XX/XXXX has been uploaded for your review on this day of XX/XX/XXXX. Borrower will demonstrate to court that signature on consolidated loan application dated XX/XX/XXXX is invalid and can not be considered an electronic signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: EQUIFAX, INC.
State: MS
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:
ON XX/XX/2020, I SENT A LETTER TO EQUIFAX AND XXXX DISPUTING THE INACCURATE AND INCOMPLETE ITEMS THAT THEY ARE REPORTING ON MY CREDIT REPORT ANS HAS NOT GOTTEN ANY RESPONSE DEALING WITH THE NEGATIVE ITEMS.I ALSO ATTACHED A COPY BELOW ASKING FOR YOUR ASSISTANCE IN THIS MATTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Experian Information Solutions Inc.
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent 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 explanation
Consumer complaint received 2018-02-03
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XX/XX/2018 I tried to register my citi credit card online. I lost the old card so they put my online account access on hold. After talking to different customer service provider who transferred me to technical support. First time I waited 30 mins and the second time I waited 1 hr and 12 mins to get some one to help me. After filling the complaint about wait time and issue not being resolved the second rep assured me that its fixed. After getting of from the phone call I tried to register the new card and get my online access which didnt work and issue is still pending. I cant access my online account and cant make payments. The citi bank is charging me extra to make the payment over the phone. Its not fair for them to not fix my issue and use an excuse to make extra money by forcing me to make a payment over the phone.

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 2021-11-04
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called the company and ask for proof that the debt is mine and they refused. I asked for an original bill or anything with my signature and they said, they don't have to supply it. I ask to speak with a supervisor and they always put me on hold and then the call is disconnected. I have been trying to remedy this incorrect charge to no avail. I did file a complaint with the credit report agencies, but all they say is " Account information disputed by consumer, meets FCRA requirements ''. I even called the hospital and they say they have no information of anything sent to collections, I ask for the date of service and they failed to supply that information. I have tried to gather information and am unable to get it and the companies in question are not giving me the required information. 

I am retired and on a fixed budget, I have to check where I am spending my money. I don't have much and I do not believe this bill is accurate. I keep getting the run around and it not fair and I find it abusive to me. 

please help. 

CMRE FINANCIAL SERVICES Reported : XXXX XXXX, XXXX - {$270.00} Needs Attention Overview You have 100 % left to pay on this collection. 

Balance {$270.00} Highest Balance {$210.00} Opened XX/XX/XXXX ( 2 yrs, 5 mos ) Account status Open Type Derogatory Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: COLLECTION BUREAU INCORPORATED
State: ID
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX turned over a medical bill to a collection agency that I have no knowledge of. I have requested in writing and through my disputes with XXXX to have verification of the debt and that it in fact belongs to me. I have a minor daughter whose father is responsible for all medical bills. I have never received any clarification as to what this debt pertains to and what it is actually for. I find it extremely frustrating that these credit bureaus can just take the word of a debt collector and never have to provide validation of the deb to the person being targeted for money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from XXXX. 


1. Company Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX XXXXUnauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXXXXXX XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX XXXXUnauthorized inquiry by Identity Theft 5. Company Name : XXXX Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX Inquiry Date : XXXX XXXX, XXXX  -Unauthorized inquiry by Identity Theft

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 2018-10-18
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2018 I wanted to make a purchase online and the seller I was in contact with said they took payments through XXXX. Knowing that XXXX was already built-in to my bank 's app, I felt comfortable with that assuming XXXX had the same or similar policies in place to XXXX so that if anything happened I would get my money back. Also because it was part of my bank 's app, I assumed they would have a contract with a company that supported their customers. However, I sent {$360.00} on XX/XX/XXXX, with the seller proceeding to give me the runaround and a fake tracking number. They stated they dropped off the package on XX/XX/XXXX, but I never received the package. I contacted XXXX multiple times but they could not find any history on the package. After realizing I got scammed, I found multiple other reports of people getting scammed through XXXX. I decided to send a XXXX money request and invoice to the seller through the email I paid money to on XXXX, but they have yet to respond. My bank also does not claim to return the money to their customers as it was an " authorized '' transaction. It may have been authorized initially, but there should be some way of getting your money back in the case of not getting what you pay for. Also, I had to do my own research to find out that they do not have any protection policies in place. When I registered for XXXX, there was no disclaimer that stated their policies regarding scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: Choice Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Choice Rec Is reporting 4 collection accounts that are a result of Idenity theft. One in the amount of XXXX. Two in the amount of XXXX and one more in the amount of XXXX. I notified XXXX  and added a fraud alert to my profile. XXXX  opened a dispute and they claim that the accounts were verified. per the FCRA once the credit agency receive notification that the account is related to Idenity theft they have 4 days to remove it from my credit report. I gave notification to XXXX  on XX/XX/XXXX and all they did was open a dispute. I would like these accounts removed from my report immediately please. This is stopping me from receiving Financial assistance Needed due to Covid 19

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Navient has called my job several times after i have specifically told them not to contact me at work regarding the collection of my student loan debt. These are illegal tactics and practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: First Technology Federal Credit Union
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/21-My checking account was disabled. 

XX/XX/21-I reached out by phone to First Tech, and was told that my account was frozen, no deposits or withdrawals could be made. I could not speak with the fraud department personally, I would have to correspond through post mail.

The reason I am submitting this complaint is a few factors 1. There is no timeframe for resolution that they stated which they could guarantee.

2. There is no way to communicate with the fraud department, except by post mail.

3. There are oversensitive fraud measures relative to other banks I have used.

3. I desperately need this money to pay my credit card bill. I was consolidating it here from a few different accounts in order to make the payment. The total amount is ~ {$6500.00}.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX  IS REPORTING {$1600.00} A INCORRECT ACOUNT ON MY CREDIT REPORTS. THE ACCOUNT IS NOT MINES ME AND MY FATHER HAVE NAME.

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 2020-05-28
Company: Experian Information Solutions Inc.
State: CA
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 AM VICTIM OF AN IDENTITY THEFT, I HAVE SENT ALL REQUIRED ITEMS TO EXPERIAN AND TO XXXX CARDS XXXX  TO HAVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. THE NOTARIZED DOCUMENT WAS ALSO SENT TO EXPERIAN AND TO XXXX CARDS TO HAVE THE FRAUDULENT ACCOUNT. THE ACCOUNT AND THE CHARGES ARE NOT MINE.I HAVE NEVER OPENED THIS ACCOUNT NEVER MADE ANY CHARGES. NOW AS A CONSUMER I AM REQUESTING TO PLEASE HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT. I MA TRYING TO BUY A HOUSE AND THE FRAUDULENT ITEM ON MY CREDIT REPORT IS GIVING ME HARDSHIP. AGAIN I HAVE SENT NOTARIZED ITEMS TO XXXX AND TO EXPERIAN TO SHOW THAT I AM VICTIM OF AN IDENTITY HTEFT, HOW FAR IS THIS TO 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 2018-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
This is to complain about BoA and XXXX using their powers to place pressure on manufacturers and American citizens by denying services to them because they are using a constitutionally protected right and have done absolutely nothing wrong. I hate the fact that my tax dollars were used to bail their sorry butts out and now they are trying to get in to social engineering. Just who do they think they are? I for one will never do business with them because of 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 2021-05-25
Company: Experian Information Solutions Inc.
State: CA
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:
REQUESTED ALL PAYMENT HISTORY MADE TOWARDS CAR PAYMENT. XXXX DENIES TO DO SO. 
THEY ARE REPORTING THAT XXXX WERE WRITTIN OFF. INCORRECT. 
MADE 13 PAYMENTS OF XXXX EACH PLUS A 0NE TIME PAYMENT OF XXXX TO RECOVERY PLUS A XXXX DOWN PAYMENT.

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 2020-05-28
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have sent numerous requests to Experian, XXXX, and XXXX  regarding inaccurate addresses that do not belong to me on my credit reports. I sent letters to all 3 bureaus on XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. each time I attached my social security card proof of address and my utility bill proof of address along with my identification and all 3 bureaus keep not processing my request for removal of the followin addresses : Experian - XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX  - XXXX XXXX  XXXX XXXX  XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief