BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 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 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
Consumer complaint received 2019-02-27
Company: SUNTRUST BANKS, INC.
State: NJ
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 Contacted SunTrust about a unauthorized inquiry on my credit report and unfortunately I was told SunTrust do not have a written consent with my signature in agreement to their invasion of my privacy. 
They also stated they had permissible purpose to do so through other unknown companies that supposedly have a consenting application for credit. 

However, Suntrust have fail to display the application with a signature or electronic signature or any form of consent to allow this inquiry. 

This company records do not provide the one document to be factually sound in their previous statements.

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 2019-02-27
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/2019 I was assessed 5 OD fees in the amount of XXXX a piece by M & T bank for 3 ATM withdrawals and 2 Debit card transactions. I have banked with almost every institution and never in my life have I ever received an OD free for a Debit card transaction. Not only that but, i did these transactions prior to signing an authorization for giving M & T Bank permission to allow ATM withdrawals and debit card transactions that would result in possible OD fees. I feel I should be refunded the total fees the fees are more than all the transactions combined. Since I opened my account I have never had an OD fee until now and I never received a fee when my account went negative accidentally from a debit card transaction until now. I spent XXXX dollars at XXXX and XXXX cents at XXXX XXXX and it cost me XXXX dollars to do so. I have tried to rectify this situation with M & T directly with no success. Hopefully you can mediate to get them to reverse the fees as a one time courtesy and also since again the acknowledgement what done after I had already processed these transactions.

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 2019-02-27
Company: Sequium Asset Solutions, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
i noticed this debt got added to my credit file circa XX/XX/XXXX. Sequium Asset Solutions Failed to send me a notice that they were trying to collect a debt therefore they have violated my consumer rights. I have disputed this debt with all three credit bureaus as well as Sequium. Sequium did respond to my dispute with the bureaus with a questionable bill of service but was unable to provide any solid proof of this account being mine. I also sent Sequium notice via USPS certified mail circa XX/XX/2019 that they have violated my consumer rights by not sending an initial dunning letter giving me my rights to dispute the debt and they have ignored my request to remove this from my credit reports they also have ignored the letter i sent notifying them of their failure to comply by sending me an initial debt notice. I demand this be removed from my credit file otherwise i will seek legal council against Sequium Asset Solutions for their non compliance with the fair credit reporting act!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: AMERICAN EXPRESS COMPANY
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 balance transfer

Complaint:
In late XX/XX/XXXX ( or earlyXX/XX/XXXX ), I opened an American Express Credit Card account for the purpose of transferring some credit card balances to the XXXX Credit Card account. All of the transfers went fine, except for one. 

One particular credit card balance was from XXXX XXXX XXXX for the amount of {$1300.00}. I was not able to complete this on-line, so I called the balance transfer department at American Express and completed the transfer over the phone. 

I then received a letter from XXXX XXXX, dated XX/XX/XXXX, stating that they received a payment for {$1300.00} that went to an unknown account ( See Attachment 1 ). This transfer also appears as going to XXXX 's on my XXXX   statement ( see Attachment 2 ). I subsequently called XXXX 's thinking they would refund the payment to XXXX or directly to me, but they wouldn't speak with me because I do not have a XXXX 's account and they had no way to identify me and suggested I contact XXXX. 

I then called XXXX and they told me they would investigate the matter and assured me this error would be corrected. A few weeks later, I called XXXX back because I had not heard back from them and they again told me they would investigate the matter. I subsequently received a letter dated XX/XX/XXXX of this pending investigation ( See Attachment 3 ). 

I then received another letter from XXXX, dated XX/XX/XXXX, that that they have completed their investigation and that essentially the funds were deposited with the instructions provided ( See Attachment 4 ). I subsequently called XXXX  to obtain clarification, but I was continually passed around from department to department and no one could help me. 

I have confirmed with XXXX that they have not received any payment from XXXX ( see Attachment 5 that has the last 4 numbers of my XXXX account number ). I have confirmed there is no reversal for this balance transfer showing on my XXXX credit card. I have no way of knowing what XXXX XXXX has done with the money. 

I want XXXX 's to refund the money that XXXX sent them mistakenly and then I want XXXX to credit my account for the {$1300.00} amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-09
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There are two collection accounts on my credit report by XXXX XXXX XXXX who claim they are collecting a debt they bought from Synchrony. I have not signed a contract or created debt with either company. I have disputed the accounts several times with the companies and with the 3 credit bureaus. The credit bureaus and the company keep sending me what looks like a last statement that barely has anything on it nor does it prove my ownership of the debt. I have continuously requested a a signed contract or agreement between the parties and I and have not received it because it does not exist because I did not create a debt with either of those companies. I have asked the credit bureaus to remove the invalid debt several times but they have refused to. They have also send me investigations far past the 30 days that are required.

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 2023-05-11
Company: EQUIFAX, INC.
State: WY
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to delete these inaccurate items in my file. 
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
Consumer complaint received 2018-12-07
Company: EQUIFAX, INC.
State: WI
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: Was not notified of investigation status or results

Complaint:
After sending information to verify myself with my disputes, Equifax is delaying my request for an investigation by means of multiple requests for identification that was provided with the initial request. Equifax has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report. 

ACCOUNTS XXXX XXXX XXXX what bankruptcy/inaccurate XXXXXXXX XXXX XXXX what bankruptcy/inaccurate XXXX XXXX XXXX what bankruptcy/inaccurate COLLECTIONS  XXXX not mine XXXX XXXX XXXX not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-25
Company: American Coradius International LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Family of 3, XXXX XXXX  and XXXX XXXX  hacked and controlled on XX/XX/XXXX. 
About XXXX XXXX we started receiving texts from XXXX that our phone service was being shifted. to another carrier. Indeed, our phone numbers were ported and killed at XXXX. Then our email addresses were hacked, and thus we lost control of our XXXX and XXXX accounts. 
Then began several hours of notifications that our funds were being moved, requested, from banks and credit cards. 
WE froze our bank account, and killed our credit cards. 
So no money was actually taken, it just appeared to shift between our 3 family XXXX accounts. But all our money remained where it should be, since we interrupted the supply!! 
HOWEVER, XXXX has a policy that credit card use with them requires a fee! So even though no funds were moved, and XXXX was VERY unhelpful, and unapproachable during this event, they levied a charge just as if credit card funds HAD be used. 
We have emailed, called, responded to emails, had our case elevated, escalated several times, no one acknowledges understanding. Then we received a collection letter from ACI, LLC on behalf of XXXX for {$75.00} on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Billing dispute for services

Complaint:
Attempted to get a free credit report for me and my wife from Transunion. Not realizing that the proper channel was through XXXX, I signed onto the Transunion web-site. Their system is extremely deceptive in that they do not notify you that you are signing-up for a monthly subscription service at the rate of {$19.00} per month per individual. When I received emails confirming the subscription and the rate, I called Transunion to complain. The agent I spoke with indicated that they would cancel the subscription and issue a credit for both my wife and I. I was notified by email that the subscription would be cancelled effective XXXX/XXXX/XXXX but we have not received a credit to our XXXX account. Bottom line is that my wife and I were both deceptively charged {$19.00} for a subscription which we never wanted, spent many minutes on the phone trying to sort this out and in the end, they failed to issue credits as they said they would on the telephone.

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 2020-12-14
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I went to jail XX/XX/2017 while inconserated I wrote them and call to make payment I was behind only 2 months by time I got in touch with them they failed to except payment said they can't take payments after 3months but it was only 2months then forced me in to modify my loan which wasn't my fault it went from over XXXX XXXX to XXXX I sold house and they say I still owe I don't understand how nor did I plus I was paying them up until I sold and they cashed a check that they received

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Experian Information Solutions 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 am writing to delete the following information on my file. The items need to be deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that these items be deleted to correct my credit report. I reported theft of my identity to the Federal Trade Commission, and I have also enclosed copies of the federal Trade Commission identity theft affidavit. Please delete as soon as possible.

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 2020-11-24
Company: MEMBER MORTGAGE SERVICES
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX, I contacted MMS Mortgage company to apply for a mortgage loan to purchase a home. The representative assigned to me was XXXX XXXX. Mr. XXXX sent us an application to fill out per XXXX and my husband and I submitted all documentaion that was requested. Mr. XXXX stated all information received was accurate and we were told not to send any more proof of income. We were sent a preapproval letter for a {$320000.00} for a FHA mortgage pending verification of all documents, appraisal of property, verification of funds and underwriting criteria as we were told we didn't qualify for a conventional mortgage. After receiving this approval letter, we went out and found a home for XXXX but turned it down due to inspection. We found two other homes in the XXXX XXXX area and Mr. XXXX changed our criteria to purchase any home over and over. Anytime we brought this to his attention on any home we wanted to purchase, Mr. XXXX always gave us information on why we were not able to purchase the home due to HOA fees or taxes on the property. We were out looking for homes with our Real Estate agent in the market of {$300000.00} and he would call Mr. XXXX and he was told everything was a go to move forward. Recently Mr , XXXX changed our approval from {$320000.00} to {$130000.00} stating we had given him the wrong figures and he based our preapproval on wrong figures, but we submitted all documentation requested. I callled Mr. XXXX 's supervisor, Mr. XXXX XXXX, on XX/XX/XXXX, when talking with him he stated Mr. XXXX did not follow procedure properly and that he would go over our application and submitted income to verify accuracy. Mr. XXXX called back on XX/XX/XXXX and stated he came up with the amount of {$220000.00} that we could be approved for. Mr. XXXX asked if I wanted to be referred back to Mr. XXXX or another representative, and we requested another rep and that was XX/XX/XXXX, and we have not heard back from the MMS mortgage company since that call. We have went from {$320000.00} to {$290000.00}, down to {$130000.00} now back to {$220000.00}. This company does not follow up in a timely manner as we have been waiting for a response since the XXXX and no call. MMS Mortgage I believe initially did not take our application seriously as there is no way we would have had so many different amounts given to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Apparently I had a missed payment that I did not know about until an app that tracks my finances notified me about a finance charge. I then logged into my card account to pay my bill as a finance charge means there is a late fee. Upon logging in, I see that my account has been closed. I spoke to two operators using chat and 3 operators using the call line. The told me they closed my account due to 2 missed payments over a 24 month period. Not once was I notified that this could happen, wasn't notified that 45 days in advance for major change to credit card account, and wasn't notified immediately after. I tried to resolve the situation and they told me there was nothing they could do even after being a customer for so long. I do not feel that this is right. Especially since I immediately payed once I realized the mistake. I've only ever missed one other payment the entire time that I have had the card and i got the card in XX/XX/2013.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: ARVEST BANK GROUP, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage servicer, Arvest Central Mortgage, applied a new {$10.00} " fax fee '' on my most recent statement. There were currently two fax fees on my account, one from XXXX which I recognize and am in the process of paying, and this second one. I called Arvest on XX/XX/XXXX and the person I spoke with said that she could not tell how the fee was incurred and followed up with one of her colleagues. She said that she would call me back with more details. I waited close to 24 hours and called again after no follow up. The second Arvest associate I talked with on today XX/XX/XXXX was able to make contact with a colleague who stated that the fee was applied, simply, " in error '' to a number of accounts. She said that it would be " taken care of '', but was unable to do it on the spot and did not state when it would be taken off my account. 

I am quite concerned, and frankly, upset by this type of predatory behavior by Arvest. I asked the associate who I spoke with how this occurred and had no details. She also said it applied to a number of accounts. If I did not call, it is likely that I would have unknowingly paid this illegal and predatory fee. Also I am concerned that all of the other accounts are still being assessed this erroneous fee. I believe that is is utterly inexplicable how Arvest can, at its own discretion, apply illegal and fake fees to accounts and then expect account owners to follow-up and to ensure that the fees are removed. Even worse, there appears to be no penalty to Arvest for engaging in this illegal behavior and I receive no monies in return for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate you making the effort to delete and correct some of the data on my credit report, but there are still some items that need to be removed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 a victim of identity theft and been a victim of identity theft for over 11 years. I filed a police report with the XXXX County Sheriffs Office in regards to the following fraudulent and unauthorized accounts, and credit inquiries listed on my XXXX, XXXX and Trans Union credit report : XXXX XXXX XXXX XXXX # : XXXX, XXXX XXXX XXXX   unsecured personal loan, XXXX XXXX XXXX XXXX credit card, collection account : XXXX XXXX XXXX, and XXXX XXXX XXXX unsecured personal loan account # : XXXX  for {$7500.00}, credit inquiries : XXXX XXXX and XXXX XXXX. The accounts are all fraudulent, arent mine, and dont belong to me. The police report case number is # : 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 2018-07-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I signed up for autopay on my Cabela 's Club credit card in XX/XX/2017. They have taken a payment every month since then, but have not credited my account for those payments. They then sold my account to a collection agency, again without applying the payments they withdrew from my account. I called them to ask what was going on after I started getting calls from the collection agency and after my credit had been further damaged by the appearance of non-payment. I supplied copies of bank statements proving all the payments and they credited me with one of the twelve. They have once again debited my bank account today, and apparently have not fixed their error.

Company response to consumer: Closed with monetary relief