BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-04
Company: SYNCHRONY FINANCIAL
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:
When retrieving my credit report of XX/XX/2019 on XXXX   I noticed irregularities which led me to find out I am in fact a victim of identity theft. There has been several charges made on multiple credit cards of mine and then finding out of new accounts that I never opened. I did NOT make these transactions nor open any new accounts. This was definitely a direct result of identity theft. It has now come to my attention that my former roommate, XXXX XXXX with whom I moved in with after separating from wife, XXXX XXXX on XX/XX/19. XXXX has called several furnishers to retrieve information and opened new accounts without my consent. XXXX preyed on my emotions at a very vulnerable time and as soon as I started to suspect irregularities in my financial portfolio, she took her son out of school and moved to XXXX XXXX, NV, I believe living with a grandmother that resides there. I have read The guidelines for the procedure by the FTC and have taken all measures necessary. In addition, I filed 2 police reports in both towns I live/lived for theft and fraud, have put fraud alerts on my credit report with all 3 bureaus, informed all necessary parties of the identity theft and have written letters to all furnishes and the bureaus. As a direct result of this I have lost {$50000.00} and have had hundreds of inquiries falsely made under my name. Today I still receive calls from debt collectors and loan officers. It has been a horrific year to say the least. I have ignorantly now fully educated myself on cyber crimes and the measures one takes to secure and recover their credit. I hope that I am given a refund for the money that the individual has stolen without my consent and my credit report will be corrected appropriately. I also would like to let people know that you dont know when it may happen or even if it will happen at all to you so now being a victim of identity theft I can only suggest to everyone to educate yourself on identity theft and take action to protect yourself. And hopefully together we can fight against cyber crimes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX a XXXX  hacked into my son 's Regions Bank accounts utilizing his online account information and stole XXXX. To gain access using an unfamiliar terminal, the XXXX was able to hack the Regions Bank database in some manner and retrieve security passwords. The XXXX   then transferred funds ( XXXX ) from  my son 's savings account into my son 's checking account and utilized XXXX ( a service never before ( or after ) used by my son ) to transfer funds to themselves ( name on transfer was XXXX XXXX ). Luckily, my son became aware of the theft and immediately ( on the evening of XX/XX/XXXX ) locked his account ( presumably preventing the remaining XXXX from being transferred ). The next day ( XX/XX/XXXX ), my son went into a local branch of Regions Bank and filed a claim for breach of the accounts. He also filed a claim with the XXXX ( AL ) city police department. After multiple attempts and denials from Regions Bank stating that they did not find any action of theft despite recognizing the method of withdrawal ( XXXX ) had never been utilized before, we are seeking alternative assistance to recover. Clearly based on the facts as presented and relayed to Regions Bank, this theft was not the action of the account holder.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/2023, I was trying to make multiple purchases at local grocery store chains, including XXXX XXXX and XXXX. My Citibank Premier card kept getting declined. I called Citibank  at XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and at XXXX XXXX. 

Each time, I told Citi representatives that the charges I was making were authorized and was willing to provide them any information needed to verify my identity to ensure the transactions were not fraudulent. While 3 of my transactions went through, there were over 10 attempts where my card was declined due to fraud. I spent hours on the phone with customer service, who eventually locked the card completely and told me I had to wait for a letter in the mail to turn my card back on. 

It has been a week and I have not received the letter in the mail. My card has now been disabled for a week ( despite the fact that it has constantly been in my possession and never used for 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 2022-03-14
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
CFPB XXXX XXXX XXXX  CASE XXXX Date : XX/XX/XXXX Full Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, Wi XXXX Date of Birth : XX/XX/XXXX SSN # : XXXX XXXX XXXX XXXX XXXX XXXX Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX : XXXX XX/XX/XXXX RE : REQUEST TO UPDATE CREDIT REPORT, PLEASE RUSH LOAN PENDING To Whom It May Concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ). I am practicing my right to UPDATE information that does not reflect the current status of certain accounts. More specifically pertaining to comments on accounts. I am requesting that you remove the disputed comments on each of the accounts below with immediate effect. The accounts have either never been disputed, to begin with or are no longer in dispute. 

I am asking the dispute comment to be removed from the following items : XXXX CARD SERVICES XXXX Once again ; This is not a request to investigate, but to update so I expect you to update my file as soon as possible and not the regular 30 day period you are allowed for disputes Truly, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: LoanCare, LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX   website showed payment successful, did not let us fix typo, then 7 days later charged erroneous {$25.00} fee. Loan Care refuses to communicate. 

On XX/XX/2021, we used the loancare.com website to pay my mortgage payment of XXXX due XX/XX/2021. We made and immediately recognized a typographical error in the bank account number for the ACH transfer. Loan Care 's low-quality, XXXX  website did not give me the option to correct the typographical error in the account number. My co-borrower and I tried twice to contact Loan Care to fix the account number, but Loan Care refuses to respond to our attempts to contact them. 

Up until today, XX/XX/2021, the loancare.com website showed in the payment history that the XX/XX/2021 payment had been made successfully. It showed " XX/XX/2021 '' for the next payment due, and would not allow us to make the XX/XX/2021 payment again with the right bank account number. 

Today, the payment history on the loancare.com website changed and showed " BadCheckReversal, '' but did allow us to make the payment for XXXX again with the right bank account number. To our surprise, when we went to pay the {$3400.00} payment for XXXX today, the website forced an additional {$25.00} " NSF '' fee on us without our consent, and forced us to pay {$3400.00} instead of the {$3400.00} we owe. Loan Care has not responded to our attempts to contact them. 

This {$25.00} NSF fee is not right. We did not agree to it. We want it reversed. We also want Loan Care to reply within a reasonable time ( i.e, within 1 business day ) when we contact them. Could the CFPB please help? Thanks! XXXX XXXX and XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2020 I have applied and approved from Shellpoint Mortgage Services for the forbearance Plan on my mortgage accounts due to Covid 19 pandemic. During the forbearance plans Shellpoint Mortgage Services kept billing me for the late fees, service fees and reported negative credit on my accounts. I have sent request to management to remove but the problem was not sold. I would like to make complain and request to be waived on my late fees, service fees and negative credits on my account as the attached for details.

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 2023-02-14
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I was alerted by a text message from Comenity regarding 4 {$0.00} charges on my card that were suspected to be fraudulent. I responded that the charges were fraudulent. I received a response that they would send a replacement card. It is now 4 days later and the fraudulent charges are still on my account. I tried to call their fraud department, however no one ever comes on the line after waiting on hold for almost an hour.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-28
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX XXXX, accessed my report without my permission which is a violation, pursuant to 15 USC 1681n. They put inquiries on my report on 3 dates ( XX/XX/XXXX ), ( XX/XX/XXXX ) and ( XX/XX/XXXX ). This has affected my credit. By these violations, Pursuant to 15 USC 1681n, I am entitled to {$1000.00} 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 2020-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 applied for a loan at XXXX XXXX XXXX XX/XX/20 and I was not approved because apparently there are 4 accounts in negative standing appearing on my credit as well as over twenty inquiries. The accounts are from XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX-XXXX  and XXXX XXXX  ; The inquiries are from several different companies that I have listed on this report. None of those accounts or inquiries belong to me and I did not allow anyone to open these accounts or make these inquiries on my behalf. I filed a XXXX XXXX Police report and got in touch with all of the companies. I did not benefit anything at all from these accounts/inquiries that were opened and made in my name without my permission.

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 2023-03-14
Company: Credit Service, Inc
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The original creditor and the credit agencies unknowingly and without my consent traded my information to misrepresent and hinder my credit report and score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: FIRST NATIONAL BANK OF OMAHA
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/22, there was an unrecognized and unauthorized charge in the amount of {$79.00} on my FNBO business credit card from the third party merchant, XXXX XXXX. I contacted the merchant right away to report the transaction. The representative advised that I would need to request a refund from the person/ company who received the payment. I was provided instructions on how to go into the app to request the refund from the person/ company. After sending the request for refund, I immediately received a notice that the person/ company had declined the request. I advised XXXX XXXX of the matter at which time I was told that there was nothing that they could do because they are a third party merchant. They suggested that I contact my credit card company for assistance. I contacted FNBO to file a billing dispute for the fraud transaction. After a month or so of filing the dispute, I followed up with FNBO only to be told that there was nothing that they could do either.

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 2019-03-21
Company: ONLINE Information Services, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To Whom It May Concern, The reason for my dispute is ONLINE INFORMATION SERVICES # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, ONLINE INFORMATION SERVICES failed to give me my " XXXX '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and XXXX under Section807 ( 1 ) ONLINE INFORMATION SERVICES failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation ONLINE INFORMATION SERVICES is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. 
FDCPA I fail to see where ONLINE INFORMATION SERVICES is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. ONLINE INFORMATION SERVICES has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
For Transunion I'm trying to figure out their method for investigation my recent and current disputes. According to the FRCA this particular verifiable documentation needs to be send to the consumer, but that contrary because the credit bureau ( s ) never presented this documentation on file. Because they process their records electronically, which is again contrary to what the law says what must be done. This law is based on 609 of the FCRA. 

For example a past dispute I disputed the 11 XXXX  accounts in question. From those accounts on Transunion, their was no verifiable documentation given to me as the results were concluded. 

If XXXX  deleted these accounts over a year ago. What information do you have that XXXX  didnt to support the allegation that these accounts are in fact mine, verified, and validated.

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 2021-02-06
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am having issue on connecting to LoanCare over 3 weeks on my XXXX app. 
So yesterday I checked the website but the website is down. I also remembered last year I didn't receive a paper document XXXX Form for XXXX, I was able to call to get some automatic reply on how much interest I've paid for XXXX but I would like to have a paper documentation, Form XXXX, but the whole website is not functioning. 

I checked XXXX, there is numerous complaints about this company. I am worried I am paying monthly to a fake entity and I would like to get a statement monthly and also my yearly statement in paper.

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 2023-09-29
Company: GOLDMAN SACHS BANK USA
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I had a previous Apple Card with Goldman Sachs that was closed back in XXXX or XX/XX/2023. There was an open dispute on the card that was later found in my favor and closed out in XXXX. Goldman Sachs ( by their own admission ) failed to close the dispute properly, so despite my card being closed it is hung up in the Apple wallet and is preventing me from reapplying for another Apple Card. I have been working with Apple and Goldman Sachs since last XXXX XXXX to get this resolved. I have submitted XXXX escalated tickets on Goldman Sachs side to get the dispute dispositioned correctly and closed out in there system so that I can reapply for a new card. I continue to be given the run around. I am told tickets usually take 10 days, however, the last one was given XXXX and still didnt have any additional progress and resulted in another two tickets being submitted. I have talked to several additional Goodman Sachs representatives ( including supervisors ) who tell me there is no eta for a fix, the area that has to correct the problem is outside of customer service, they do not have a direct line to them and can not call anyone for an update or answer and the only method of correction is to submit yet another ticket so they know the issue hasnt been corrected. 
There is XXXX reason that XXXX months have gone by and this is still unresolved because of an issue Goldman Sachs told me is a known issue because their disputes system sucks and cases dont always close properly. If this is the case, then a resolve should take less time than what is currently transpiring, the continued lack of assistance and prevention from applying for credit which I qualify for is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29
Company: Netspend Corporation
State: NC
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
I have called the agencies like NetSpend and go to bank and the XXXX banking and they all tell me that they don't have me on file but I know I've had open bank accounts like my money was transferred or something cuz there's two accounts closed with NetSpend but they would not tell me any information I don't understand because someone stole my identity and it has been difficult ever since to keep my money and everything safe I set up direct deposit but it seems like someone has changed my information again I just got a NetSpend card in the mail and I don't know why please help me thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Chime Financial Inc
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I contacted chime regarding a. Unauthorized purchase made on XX/XX/XXXX for ) XXXX from XXXX XXXX XXXX. I just contacted them today they advised to allow time to investigate a hour has passed and I just received a email they denied my claim and are refusing to credit back my account the {$180.00}. These people answering these calls are foreigners and can barely understand me and I can barely understand them. This charge is fraudulent and they need to give me back my money

Company response to consumer: Closed with explanation