BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-05
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2019-10-04
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
Capital one sent information regarding removal of credit inquires off credit file. XXXX, XXXX  and XXXX failed to comply of removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
on XX/XX/2018 I received notice of an XXXX computer ordered on my XXXX account. I called customer service and cancelled the order and the credit card that was opened in my name in fraud. I then received the card and called Syncrony Bank and again cancelled the card and closed the account as fraud. 
I have systamatically changed all my login passwords to hinder the thief that tried to do 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 non-monetary relief
Consumer complaint received 2019-11-08
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I have been working with Citibank on a commercial loan - cash out refinance on a 3-unit investment property in NJ. The property was purchased through a newly formed LLC,  owned 50 % /50 % by me and my partner, my brother. XXXX XXXX, the loan officer I was working with was well aware of the structure, as we provided to him all of the requested documents in early XX/XX/2019, inclusive of the title and other purchase support documents evidencing the purchase via our LLC. About a week prior to our anticipated closing in early XXXX, XXXX mentions for the first time that the title needs to be in our personal names and can't be in the name of our LLC, and he suggests we transfer the title. When we express that we clearly can't do that as the primary reason investors purchase property through an LLC is to mitigate personal liability, he unethically suggests something illegal -- " Off the record, and I shouldn't be telling you this, you can close with title in your personal names and then just transfer it back after the close ''. Obviously that is illegal and he is suggesting something that would breach our contract with Citibank. As a result, we were unable to close the loan since we wouldn't transfer the title, and were at an impasse due to information he wasn't forthright with. We lost fees already paid, months of our time locked into a good rate, and now we are in a position to have to begin all over with a new bank. In summary, he presumed we were not savvy investors and he withheld a piece of information that clearly would have stopped the transaction immediately, in hopes we would be none the wiser and just overlook it in an effort to close, but would obviously be putting ourselves at risk. Further, suggesting to a long-time client of Citibank 's, on behalf of the bank, to do something illegal is something that should make Citibank very uncomfortable and should put his license at risk. He was negligent and mismanaged this process, costing us time and money, aside from acting in an unethical manner.

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 2023-01-25
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I value you setting aside some margin to remove a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts ( 1 ). ( A ). 

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 ( XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: MoneyLion Inc.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Hi, As of XX/XX/XXXX, I havent been able to log in to Money Lion checking account. I called innumerable times since then, talking to incompetent customer service agents and supervisors that tell me the ticket has been escalated ( more than 3 times ) and that their engineers have been working on it ( for almost more than a month now ) and I still havent been able to access my own account or pay certain bills ( that require transfers ). A few times in the past, they withheld funds that I tried to transfer to pay my car payment and credit card, and I was charged late fees for returned payments, even though I had the money in my account. I have not been able to see my account information, know my account number, or see my own investment fund. I have to call them to know transactions and balances, and they still have not fixed this issue. Every time I call, they act as if its the first time Ive spoken with them, and I have to start all over. Theyve also told me Im not the only customer in this situation. Im sure this is borderline illegal. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
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:
Made 2 payments to my account. Never credited but has cleared my checking account. Talked to several people on the phone still not resolved. My bank confirmed check was cashed by usaa

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-04
Company: Investigative Concepts, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company is calling me and my family members about a debt that they say that I owe. The company that they say I owe the debt to I am current with. I asked them to cease communication but they refuse to stop.

Company response to consumer: Untimely response
Consumer complaint received 2018-08-14
Company: LAKEVIEW LOAN SERVICING, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I noticed on my XX/XX/XXXX payment statement that I was being charged a total of {$100.00} simply identified as Attorney fees. I then checked previous payment statements and found that I was charged and had paid {$260.00} in XXXX, XXXX identified again as Attorney fees. I then called the Customer Solutions Department of Lakeview Loan Servicing , LLC. and notified them of the issue. They could not explain what the chargers were for or any notes relating to the charges. They said they would check, gave me a Ticket # and stated they would look into the matter and get back to me. I have since called their Customer Solutions Department 3 times since the initial contact on XX/XX/XXXX with no answer or explanation for the charges. " NO NOTES AS TO WHY THESE CHARGES EXIST ''. Now again on the XXXX payment statement they have once again charged {$35.00} fo " Attorny Fee Assessed ''. Also, I have always paid the Regular Monthly Payment within the 15 days of when the payment is due to avoid any additional charges. This seems to be a means for Lakeview creating a slush fund and I am sure that others must be being charged wrongly too.

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 2019-10-04
Company: The CBE Group, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
On Wednesday XX/XX/19 I was contacted by CBE Financial Group regarding a collection that I inherited. This debt is currently being disputed. When attempting to provide my financial summary and state that I can not afford the amounts they are demanding I pay, a representatives would remind me time and time again that if I do not get an aggreement on file that my pension will be garnished ( 25 % ) and that they did not want that for me. 

That was not the only time that they would say that to me. Nearly everytime I spoke with them I was reminded of that detail. Lastly, I explained how the debt was incurred by a significant mishap on the institution 's behalf. Nothing mattered. 

In my opinion this company is NOT professional, and is not following policy by using threatening tactics to scare people. This isn't right and I hope that someone does something about it!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: R & B Corporation of Virginia
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Thank you for your recent contact dated : XX/XX/XXXX. 

I wrote to you on XX/XX/XXXX, requesting the following documentation, so that I may settle any financial obligation I might lawfully owe : 1. Validation of the alleged debt ( the actual accounting ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 
4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never  been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Arbor Professional Solutions, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XX/XX/2022, {$500.00}, The company is call Arbor Professional Solutions and the woman threatened to take me to court due to the debt. She said unless payment and the check is shown they will take legal action. In order get the documents needed, it will take some time to get them from my insurance as I would have to send them back and then I could send them to this company. I contacted my city in order to ask for more information on this debt because I thought it was for thXXXX XXXX XXXX  that had happened. I had called the company that had sent off my information to this company and it turned out to be something completely different. It was for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I was sent bills but it had the city of XXXXXXXX XXXX address on it. It never stated it was for the XXXX  department for a bill, I was then told by XXXX that I needed to show proof insurance but it's past XXXX XXXX of that and nothing can be done. I was never notified of this, I sent responses with medical insurance information because it never said otherwise. I dealt with the XXXX, and XXXX  that day. So I don't understand why I was charged this when XXXX XXXX XXXX XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Possible Financial Inc
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX there was a false identity theft report made by someone other than myself. On XX/XX/XXXX, I had an address added to my account which was fraudulent. On XX/XX/XXXX there was a federal XXXX student loan opened in my name as well. I filed police reports, FTC, and Identity Theft with the FBI. 

This company was notified once before these accounts were not mine, and never have been and they were informed of the identity theft matter beforehand. It once again was reported to the credit bureaus that I had yet another account from this defendant. I contacted them numerous attempts were made and only got automated replies and responses. 

On XX/XX/XXXX after multiple messages, and attempts to contact such said business, I have sent a refusal to pay letter certified, and according to FCRA regulations, this defendant has violated said letter by not removing said alleged debt from any and all reporting reports. A certified letter document was received on XX/XX/XXXX in their office. 

Refusal to pay guidelines to mandate immediate removal of and all reporting such actions from plaintiffs credit profile. Following received the letter, the defendant made violation of sending an electronic document to email. 

This complaint has two ( 2 ) violations on hand.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 noticed multiple accounts on my credit report that I dont recognize

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 2022-12-01
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 XX/XX/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 2018-04-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
Processed my monthly rent payment as always with an electronic funds transfer. Was notified by my property manager that the payment failed, which was odd because there was plenty of funds in the account, and I had heard nothing from my bank, so I assumed there had been a mistake. I retried the payment, and found out days later that the bank again failed to process the payment despite they're being adequate funds in my account. As a result I have been charged the following in addition to my regular rent payment : Late Fee for XX/XX/XXXXDue on XX/XX/ {$56.00} NSF Fee -1st NSF fee for Rejected ACH XX/XX/XXXXRent Due onXX/XX/XXXX {$25.00} 3 Day Notice Posted on XX/XX/ Due on XX/XX/ {$55.00} 2nd NSF fee for Rejected ACH XXXX Rent Due on XX/XX/ {$35.00} 3 Day Notice Posted on XX/XX/ Due on XX/XX/ {$55.00} Chase has the ability to contact me via call, text, mail, or email and they do so regularly all the time with each method. I was not imformed by chase that they had changed their policy and were no longer allowing my account to pay bills via ach/electronic check as I have been doing for years, and gave me no notice that they had not funded my rent payment. 

This violates SECTION 1005.7 ( a ) 5

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: EQUIFAX, INC.
State: ND
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 one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 non-monetary relief
Consumer complaint received 2019-06-05
Company: PNC Bank N.A.
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We had experienced a financial loss of income in XX/XX/XXXX. By XX/XX/XXXX we could not make our monthly morgage payments. So we tried to refinance our mortgages through PNC mortgage company.

However, we were denied. PNC stated we did not qualify for any of their existing programs.

In an effort to save our home we met with a HUD approved financial counselor through the XXXX  services in XXXX. He informed us that our 1st loan is founded through XXXX XXXX and that we sdould qualify for the Flex Modification program.

PNC never informed us of this and just denied us outright giving us no other options. If PNC would have informed us we could be right now working on rescheduling or consolidating our loans. Not to mention they would lose nothing.

My family has lived in this home for 17 years and have alwys had a good relationship with PNC mortgage company and would like to continue our relationship with PNC. All we wish to do is to continue to live in our home.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
The CRA is reporting that I am 30 days late on my XX/XX/2019 payment, this is not correct, I have submitted my payment confirmation that validates my dispute.

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 2017-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
We opened this account in XX/XX/XXXX and paid on time each month until XX/XX/XXXX when we filed for bankruptcy ( Chapter XXXX ) when we stopped making payments per our attorney. The trustee made payments to XXXX until we dismissed the bankruptcy in XX/XX/XXXX or XX/XX/XXXX. XXXX is incorrectly reporting the account as late every month during this period, instead of stating that it was included in the bankruptcy and omitting the fact they were receiving payments from the trustee.

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 2019-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. I don't recognize this accounts. I never applied for it, I don't have any contracts or agreements with this companies.

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 2022-08-11
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
This complaint is about correcting my credit score because of an error made by the bank providing service in delivering monthly statements which caused a delinquency. I disputed the facts and the bank corrected the mistake, but continued to tell me that my score could not be reinstated. It dropped from excellent to fair. 

XXXX XXXX XXXX reported its conclusion and corrected the report, but the score continues to be fair. I'm dissatified with the entire process and are now suffering a lower rating to the point that today XX/XX/2022 I was denied a credit card application.

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