BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-25
Company: REGIONS FINANCIAL CORPORATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX  two transactions {$1000.00} and {$500.00} was debited against my checking account using myXX/XX/XXXX account and sent to two XX/XX/XXXX merchants : ( XXXX XXXX*XXXX, recipient email address : XXXX ) & "XX/XX/XXXX). I had XX/XX/XXXX loaded on my then XXXX XXXX XX/XX/XXXXand it was linked to my Regions debit card on file at the time and in my dispute with my bank I explained that my XXXX XXXX was stolen. As I explained to Regions bank that My XX/XX/XXXX was hacked into using my stolen XXXX XXXX XX/XX/XXXXand transferred funds to the above mentioned XX/XX/XXXX merchants unauthorized by me. To further explain, on XXXX XXXX my purse containing Region debit cards, XXXX XXXX card & other Bank debit cards, cell phone XXXX XXXX, other credit cards along with my XX/XX/XXXX XXXX XXXX was stolen XX/XX/. I had to get a new phone on XX/XX/XXXX, an XX/XX/XXXX XXXX due to my XX/XX/XXXXXXXX plus was stolen. Also on XX/XX/, I received a Text message from Regions Bank stating '' asking if I authorize " XX/XX/XXXXw/ Regions Debit Card #??? & I responded in text stating " NO '' and with all that they still say I authorized these transactions. 
On XX/XX/2022 the XXXX police department was dispatched & upon arrival on scene, a police report was filled, report # XXXX, XXXX XXXX XXXX was assigned to case. On Saturday XXXX XXXX, I went early to local Regions bank & spoke to bank representative explaining my situation of checks, debit, Visa cards being stolen and she started the process of closing my then checking account and opened a new checking account and issued me a new regions debit card. I have disputed these transactions XXXX XXXX  thru the XXXX XXXX department and stated that I did not authorize these two transactions of {$1000.00} & {$500.00} and I am not satisfied with their resolution of stating " Our review found that the transactions appears to have been authorized. '' I have several supporting documents to provide to support his claim.

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 2015-03-31
Company: Mobiloans, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Receives calls 3-4 times a day everyday but no message. This number comes us on my caller id but because i 'm at work I do n't answer it.

Company response to consumer: Untimely response
Consumer complaint received 2019-11-15
Company: CITIBANK, N.A.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Citi advertised XXXX $ promotional bonus if i opened the account and deposited XXXX $ and maintained the XXXX $ for 60 days and provided them w9 form. I opened the account in late XXXX and deposited XXXX $ on XX/XX/XXXX and kept the funds for 60 days till XXXX. I also sent them my w9 and in the chat they confirmed receiving the w9 on XX/XX/XXXX. In the chat they also confirmed that i have met the requirement for bonus and i should receive it soon. But i has been 5 weeks since i sent the w9, nearly 2 and half months since i opened the account with them and they have not credited the bonus. every time i chat with them, they only say that they are processing my w9 form. This unneccessary delay in crediting the bonus feels like avoidance of honoring their terms. 
Their customer service is awful. So far i have contacted them via chat 5 times. 
with this complaint i am attaching their promo screen shot, my 2 months checking statements and my two chat transcripts of them confirming receiving my w9 and me meeting the requirements for the bonus. I am disappointed at the delay in their crediting the bonus and having to contact CFPB to get them to do it. I have only contacted CFPB after other customers have complained that they did the same. Citi is apparently famous for not honoring the bonus.

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 2021-04-29
Company: EQUIFAX, INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX - OPENED XX/XX/2021 {$480.00} THIS DEBT DOES NOT BELONG TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: Early Warning Services, LLC
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I booked a vacation home through people named XXXX XXXX and XXXX XXXX on XX/XX/2020 for {$1700.00} and it ended up being a total scam. I had numerous email conversions with this person and i even looked up the property and it does belong to XXXX XXXX. After I did not get a response back a few days before our vacation was supposed to start, I started researching and found XXXX XXXX on XXXX. She had told me that i was involved in a scam. I did a money transfer through Zelle through XXXX XXXX  and this payment was sent to XXXX XXXX at XXXX XXXX. I opened up an investigation with them and they said there was nothing they could do. I also have a police report open under incident number XXXX with the XXXX Police Department. There is also a police report open with the XXXX county police under XXXX from a guy named XXXX who we found out also got scammed by the same person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I requested a forbearance thru my current mortgage company XXXX  mortgage. After the 4 month into the forbearance i received a letter they sold the loan. I just received from the new mortgage company Shellpoint Mortgage a demand for payment to avoid foreclosure. I have repeatedly tried to contact them and they say there is not record of my request for forbearance and i owe them the full amt of " late payments ''. This was authorized by the government for Covid relief. I have left messages for my " direct contact person ''. They do not return my calls. I need to start my payments again in XXXX but I have no direction as to how to do this. I have letters proving I was approved for a forbearance, now i have no one to contact to resolve this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have Unauthorized accounts & inquiries on my Credit report. According to the Fair Credit Reporting Act, you are required by federal law to verify Any Unauthorized items on my report must be removed if not % 100 accurate & Verifiable. Please Remove this From my report I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: SANTANDER HOLDINGS USA, INC.
State: LA
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:
in accordance with the fair credit reporting act XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 Section 2 : It states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: EQUIFAX, INC.
State: MA
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 recently tried to buy a home to better me and my families life and I noticed that there are some damages on my credit report. I've already been in breaches and I thought my information would be protected. 

Now my family and I are being affected and its negatively impacting my emotional and mental state. It's also a deformation to my character. 


According to 15 U.S.C 1681 THE ACCURANCY & FAIRNESS OF REPORT & 15 U.S.C CODE 1692G VALIDATION OF DEBTS, the law was broken because these damages are fraud and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
XXXX XXXX. I paid and mailed the {$51.00} charge on XX/XX/XXXX. Target delayed processing the payment until 1 day after the due date and then submitted a late charge. I have subsequently sent XXXX letters to XXXX different Target address. No one has responded to any of these letters ( see attached ). Note that I have perfect credit with unlimited charging available on my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: ONLINE Information Services, Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone in XXXX, TX opened an account without my consent with XXXX XXXX XXXX. Service through the company was provided XXXX at an apartment at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX, TX, XXXX. The bill was not paid and sent to collections. On XX/XX/XXXX, I received notification of this debt in the form of a letter dated XX/XX/XXXX from Online Information Services. I contacted XXXX XXXX XXXX directly and informed them I did not open the account. I was told to contact the XXXX Police Department to file a report. The case number is XXXX. In addition, I was told to file a report with the FTC. I am to submit proof of both reports to officially dispute the fraudulent charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was advised to contact you guys regarding some things on my credit that is not mine. I went to the XXXX dealership and test drove a XXXX. I really need a car so I went home and checked my credit report just to make sure my score was ok. While doing so I noticed a couple of items on my credit report that are not mine. I have contacted my local police and the FTC. I need these items deleted from my report. 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. Inquiries : XXXX XXXX, XXXX, XXXX. XXXX</XXXX XXXX  XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
To whom it may concern, I have been in contact with the credit bureaus concerning an information that is being reporting to my reports. I asked for additional information such as documents with my signatures and have yet to receive any of my request. This is out right unfair and this should not be allowed to happen. I also have requested information from the creditors as well and all I am getting is silence. The last letters were sent on XX/XX/2020 ( certified ) and I have yet to receive a response. The credit bureaus are not in compliance and should be held accountable.

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 2023-03-12
Company: Experian Information Solutions Inc.
State: SC
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:
Denied credit due to inaccurate information on credit report. Unauthorized use of credit being reported. 
15US 1684 15US 602 A 15US604 15US1681 15US1692C

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 2023-08-07
Company: SANTANDER HOLDINGS USA, INC.
State: HI
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:
Santander Account XXXX. : XXXX : SANTANDER BANK IS INACCURATELY REPORTING LATE PAYMENTS ON MY ACCOUNT. SANTANDER BANK IS FALSELY REPORTING A LATE PAYMENT FOR XX/XX/XXXX and INACCURATELY REPORTING A LATE PAYMENT FOR XX/XX/XXXX. BOTH LATE PAYMENTS ARE INVALID, UNPROVEN AND INCORRECT. 
THIS INACCURATE REPORTING IS CAUSING ME FINANCIAL HARM. 
SANTANDER BANK NEVER FURNISHED ME THEIR BANK STATEMENTS WHICH IS THE ONLY LEGAL PROOF THAT IS USED IN A LAWSUIT DISCOVERY PROCESS. 
SANTANDER BANK NEEDS TO LEGALLY PROVE WHEN OR WHEN NOT MY PAYMENTS WENT INTO THEIR ACCOUNT. WHEN DID MY PAYMENTS SUPPOSEDLY ARRIVE LATE INTO THEIR ACCOUNT? WHERE ARE THE BANK STATEMENTS SHOWING THAT MY PAYMENT ALLEGEDLY WAS NOT DEPOSITED INTO YOUR ACCOUNT? WHERE ARE THE BANK STATEMENTS TO PROVE ANY LATE PAYMENTS? 
SANTANDER BANK NEVER LEGALLY SHOWED ME PROOF THAT MY PAYMENTS WERE ALLEDGEDLY LATE! 
SENDING ME A SIMPLE PAYMENT HISTORY STATEMENT IS NOT LEGAL PROOF OF ANY MISSED PAYMENTS, FURTHERMORE A PAYMENT HISTORY AND ACCOUNT STATEMENT CAN BE>AND IN MOST INSTANCES IS INACCURATE, INCORRECT AND FULL OF MISTAKES. 
JUST LIKE IN A COURT HEARING I NEED LEGAL PROOF THROUGH BANK STATEMENTS FROM SANTANDER BANK, EVERYTHING ELSE IS ONLY HEARSAY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-17
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This complaint is against Equifax. 

We just easily had the other credit reporting agencies freeze our credit report by online action. 

Equifax is incompetent to complete a Freeze request. 

Equifax refused our request for a credit freeze. We spent over an hour on the phone and on the computer, answering their questions. 

Equifax ' computer told us equifax can not help us. There was no option for a telephone conversation with someone in the US who spoke English with an American accent. We are Americans, Not XXXX XXXX. 

Then, Equifax told us to send through the US mail all of our personal infromation to get the freeze. Equifax already has our personal information and we will not expose that information to theft in the US mail. 

Equifax 's phone and website systems are inadequate to handle a basic freeze request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have been assessed fraudulent late fees since XX/XX/2012. There are twelve of these!! I was never informed of these late fees until I called Navient recently! My credit history shows I have never been late on any loan or credit card payments. This is a ruse. I have been paying on this account for 15 years and my account has not gone down. Navient told me I had to pay {$1300.00} to ever bring my account down. Capitalized interest on my XXXX dollars loan at 2.8 percent or so is often {$270.00} every few months. That is outrageous and a deliberate attempt to destroy me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: Telerecovery Corporation
State: MS
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 sent out numerous disputes trying to remove inaccurate names, addresses, and accounts from my credit profile. 
This request has been denied and I would like this inaccurate information to be REMOVED : XXXX XXXX XXXX XXXX I would ALSO like these inaccurate information to be UPDATED TO POSITIVE ONLY : XXXX XXXX  XXXX XXXX XXXX XXXX  Date disputed : 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 2021-09-02
Company: Specialized Loan Servicing Holdings LLC
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Settlement Statement Document with U.S. Department of Housing and Urban Development indicate my home were sold for {$220000.00} and it show that my mortgage loan with Specialized Loan Servicing Payoff in the amount {$100000.00}

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 2017-07-04
Company: FBC MORTGAGE, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We entered into an agreement to construct a dwelling with XXXX XXXX. XXXX directed us to FBC Mortgage for a pre-approval, stating that we would receive {$10000.00} in a closing cost concession by using FBC. FBC did not approve the loan and XXXX will not refund {$8000.00} in funds deposited under the agreement and {$440.00} in electrical upgrades. See attached for additional information including dates.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
ON XX/XX/2017 XXXX XXXX XXXX XXXX PLACED AN ACCOUNT ON MY CREDIT REPORT.  I FOUND OUT THAT IT IS ILLEGAL FOR XXXX XXXX TO OPERATE IN MY STATE AFTER THEY DEBTED MY CHECKING ACCOUNT WITHOUT CONSENT ON XX/XX/XXXX. IN ADDITION THEIR COLLECTION AGENCY XXXX ALSO CANNOT OPERATE LEGALLY IN MY STATE ACCORDING TO THE CODE IN MY STATE OF VIRGINIA va 6.2-1501 AND va 6.2-1541.  I DO NOT PLAN TO PAY XXXX XXXX  ANYMORE FUNDS AS I HAVE PAID XXXX EVERY MONTH FOR FIVE MONTHS; WHICH COVERED THE PRINCIPAL OF THE LOAN.
FUTHERMORE AFTER REACHING OUT TO XXXX XXXX TO REVOKE THE ACH DRAFTS FROM MY ACCOUNT  AND RECIEVING CONFIRMATION VIA EMAIL THAT THEY WOULD CEASE DRAFTS, THEY CONTINUED TO MAKE ANOTHER DRAFT FROM MY ACCOUNT CAUSING OVERDRAFT FEES AND STOP PAYMENT FEES.

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 2023-04-23
Company: Eastern Account Systems of Connecticut, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I informed my car insurance company that I am moving back home to IL in XXXX of XXXXand will be paying for car insurance in IL I will not be coming back to FL. They knowingly tried to charge me for FL car insurance when I was already paying for car insurance in IL after I left the state. They reported me to all 3 credit biuros for non payment, that is fraud. I can not pay for car insurance when I do live or drive in their state any more. I have had insurance with XXXX from the day I drove across IL XXXX line. I am living on XXXX, I only have money to pay one insurance, once I paid my rent, phone and insurance here in IL, there is nothing left in my checking account, they caused me a lot of trouble trying to fraudulently charge me for months I no longer lived there. Now their report is ruining my good credit. I tried to remind them I told them I no longer live in FL and I pay for insurance where I live but they continue to try to get the money through a collection agency. These people are dishonest and trying to steal what doesn't belong to them. I went to check my credit and I see 2 derogatory reports lowering my good credit score. This below is it. Please help me fight these frauds. 
Collections EASTERN ACCOUNT SYSTEM, Opened XXXX {$100.00} EASTERN ACCOUNT SYSTEM, Opened XXXX {$120.00}

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation