BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-23
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
We deposited a check by mobile deposit. According to the written policy, we were allowed to deposit checks for up to {$7500.00} per day. The amount of the check was {$6900.00}. This was a payment from a commercial customer paying for electrical services. The bank put a hold on this check for 10 business days, which because of weekends and a holiday is almost 2 weeks. This has resulted in incredible hardship for our business as this is 2/3 of our monthly cash flow. According to our customer, the funds cleared their account within 24 hours. So the bank has been using our money for nearly 2 weeks. By phone, they said it was a computer generated hold and there is nothing they can do. The branch manager says they are powerless to change it. I do not believe that a hold on cleared funds can not be lifted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I agreed to a settlement amount with XXXX XXXX  XXXX  the terms of the settlement company agreed to correct payment history to all 3 CRA. The information is still not reporting correctly I contacted XXXX XXXX to do a investigation they sent me a letter stated they needed to correct the payment history still not corrected I tried disputing the information and it still has not been correcting this account is showing a negative account and it should not this is messing up my ability to obtain new credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: SUNRISE CREDIT SERVICES, INC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In late XXXX XX/XX/2021, I was alerted to a negative remark on my credit files with the XXXX bureaus. I reviewed the reports and discovered that a company by the name of " Sunrise Credit Services '' had put a derogatory remarks that I owed them a debt. They are a debt collection agency. 
After much trouble, I was able to contact them over the phone to find out what the debt was about. This was on XX/XX/2021. They informed me that I had debt from XXXX XXXX XXXX ( which I do not recognize ). When I asked why they never contacted me before, the Sunrise representative informed me that they had been sending letters. When I inquired what address they have on file, it turned out to be an incorrect address!! 
I gave the representative the correct mailing address and email address to share with me the information about the debt and the process to dispute the same. 
They have not shared this information with me to this date XXXX almost 2 months XXXX, but now keep sending me " debt settlement '' plans via email. I am attaching this document with complaint as this is the only reference I have. 
The derogatory remark is still on my credit files and I need to get this resolved asap.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I purchased a XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX, the car was in an accident and deemed a total loss. I purchased GAP insurance with the purchase of the vehicle through XXXX XXXX and it was insured through XXXX. XXXX   and XXXX  paid the claim and XXXX has been coming after me for the balance even though I had GAP and car insurance settled it. GAP has paid, and XXXX is still coming after me for money, claiming that GAP didn't pay in full. XXXX was paid over {$10000.00}. I sent over those documents verifying that information and it has not been removed from my credit report.

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 2020-03-25
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was contacted by Ms. XXXX XXXX that resides at XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX, New York XXXX regarding Wells Fargo foreclosing on her real property. Ms. XXXX XXXX alleges that someone has taken loans out against her real property located at XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX, New York XXXX. I stated to her as a foreclosure workout agent, I would look into the matter. I retrieved information from the public record and examined the signatures comparing them to Ms. XXXX XXXX and determined that the signatures were inconsistent with hers and suspect to forgery. Ms. XXXX XXXX signed a Wells Fargo authorization form to release information to me and for me to speak on her behalf. The Wells Fargo, account numbers that are subject to this investigation are XXXX, XXXX, XXXX. It appears from the public record that loans were taken out against her real property in XX/XX/XXXX for the amount of {$130000.00}, XX/XX/XXXX {$190000.00}, XX/XX/XXXX for {$79000.00} and XX/XX/XXXX. The only loan that Ms. XXXX claims is the HELOC from XX/XX/XXXX of {$79000.00}. 
I contacted Wells Fargo executive department before I filed this complaint in an attempt to discuss this matter with them. I was assigned a representative from Wells Fargo by the name of XXXX XXXX. Mr. XXXX contacted me and was not helpful in getting information in an attempt to resolve this issue. Quite frankly it was a very poor and unprofessional customer service experience. Mr. XXXX would shout down the conversation, make accusations, hurl insults to the point that I requested someone else to deal with and that prompted this complaint. The calls were recorded and I invite Wells Fargo human resources to listen to the phone conversation on 4 different occasions. I am requesting Wells Fargo provide me for the above three account numbers a copy of the note 's bearing the signatures, copy of the mortgages bearing the signatures, copy of the payment histories, copy of a payoff statement copy of a reinstatement figure, copy of the settlement statements bearing the signatures, copy of right to cancel notices, copy of all third party documents involved in the loan origination, notary and title company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was charged a insufficient funds fee of {$34.00} on XX/XX/2019 for a transaction made on XX/XX/2019. Also on XX/XX/2019, I made a deposit to cover the transaction. 

When I called the bank to request a reversal of the fee because I made a deposit to cover it, I was advised they would not be able to do that. 

They also have the incorrect date for the transfer. I made the transfer to cover the transaction on XX/XX/2019, and not on XX/XX/2019.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX To TransUnion, XXXX And XXXX Dispute Department, I recently pulled my credit report and I discovered upon viewing that the following listings below are reporting inaccurately. On the next page I have included a screenshot highlighting in yellow each violation as proof. Please Update the following to Paid As Agreed Immediately. 

Update XXXX XXXX XXXX to paid as agreed/never late because of multiple inaccuracies. 1. In the " Payment History Sections '' of the listings. XXXX and TransUnion is reporting that I paid in XX/XX/XXXX. However XXXX is reporting that I am 30 days late. How could this be? 2. In the " Last Payment sections '' of this listing. XXXX and TransUnion is reporting ( XX/XX/XXXX. ) as my last payment. However XXXX is reporting ( XX/XX/XXXX ) my as last payment. 3. In the " Open Date Sections '' of this listing. XXXX and XXXX is reporting ( XX/XX/XXXX. ) as of the date the account was opened. However TransUnion is reporting ( XX/XX/XXXX. ) as of the date the account was opened. These dates are inconsistent. Don't you get your information from the same company? 

I take this matter very seriously. 
" Iv'e included my Dispute Letter with Proof highlighted in yellow and a copy of my State Drivers License and Social Security Card.

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 2019-08-21
Company: EQUIFAX, 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:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-19
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX XXXX XXXX - Synchrony Bank I called ( XXXX ) on XX/XX/2021 to pay off remaining balance on this card of {$700.00}. I had closed the account about two years ago, and was just making payments. XXXX with Synchrony Bank, handled the call and we did a bank XXXX withdraw from my XXXXXXXX XXXX Account for {$700.00} with a confirmation number of XXXX. 
This morning, XX/XX/2021, I received an email that my XXXX account was overdrawn by {$440.00}. After checking the account online, it showed that Synchrony Bank withdrew {$700.00} twice for a total withdraw of {$1400.00}. This was of course unauthorized. 
When I called Synchrony Back this morning, they immediately said there had been a mistake on their end and they'd send me a check for {$700.00} within 7 to 15 business days, which was their policy. 
I explained that I'm a retired senior on social security with a fixed income and wanted the money restored to my account today since it was their fault. They said their was no way for them to do that and I'd need to wait for the check to get mailed.

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 2018-06-07
Company: CITIBANK, N.A.
State: IL
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:
Upon checking my credit report in XX/XX/XXXX, I noticed several accounts that I was not familiar with. One of the those accounts was a XXXX XXXX credit card with a balance of {$970.00}. I immediately mailed a letter requesting proof/explanation of the debt via USPS certified mail ; tracking # XXXX. The letter was delivered XX/XX/XXXX, to this very day, XXXX XXXX have not responded to my request and insist on imposing this debt and reporting it to the credit bureaus. The date of the letter is in the right hand corner, RTN : XXXX XX/XX/XXXX ( see attached ). The number is a response tracking number with the date incorporated. No response was ever received.

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 2020-06-25
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX, a gentlemen offered to pay XXXX off my Wells Fargo credit card for I can be approved for a loan. Using the credit card information I gave him, he use Wells Fargo check by phone system to make the payment. 
He instructed me to pay him back the next day by gift cards. Wells Fargo credited the amount to my credit card and I completed the task using the credit card. He attemped it again for XXXX on XX/XX/XXXX, but the bank froze the payment. Both payments bounced. 
I contacted Wells Fargo to explain what happened and they kept ignoring the fact that they credited me a bad check for I could make the purchases. 
There was no grace time, my account was credited within hours of receiving the payment. They check purchases, but not the payment. All my other payments was transfered from my Wells Fargo checking account. I spoke to someone and she said there was no safety protocols to prevent fake payments.

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 2021-08-19
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX, legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these regulations by the FTC U.S C41, et Esq. I am maintaining a careful record of my communication with your company.

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 2021-08-19
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: EQUIFAX, INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Equifax is reporting that I have XXXX credit card debt, which I do not these accounts are not mine but my twin sister, I have filed this complaint many times and they still keep reporting my sister debt on my credit report. My name is XXXX XXXX XXXX her name is XXXX XXXX XXXX. The XXXX credit card accounts XXXX XXXX, and XXXX XXXX XXXX I do not have accounts with these lenders. When I called the lenders that stated they have the accounts under XXXX name not mine and that the credit bureaus keep mixing us up. Please see the attached credit report. I do not go by any different names on XXXX XXXX or XXXX XXXX XXXX. I also tried every year I have to send my license and birth certificate only to resend it again in a couple of months because they keep getting the data wrong and reporting the insufficient debt. Also, the addresses they have are not correctly associated with my identity. Please see the attachments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-09
Company: BBVA FINANCIAL CORPORATION
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I was a Simple Banking customer. Simple closed up and was to be transitioned to their parent company, BBVA USA on XX/XX/2021. Immediately there were significant errors when attempting to enroll. Attempts at contacting customer service were futile as wait times were in excess of an hour. Then, the following day on XX/XX/XXXX BBVA stated they would have their customer service open on Sunday ; however, when I, along with thousands of other people, called customer service ( XXXX ) someone would immediately pick up, act like they couldn't hear you, then hang up. I tried twice from the same phone, then I got a second phone and customer service wouldn't even answer, it would just hang up. At this time, I have no access to manage my money, BBVA customer service is not operational, and there is no solution to this problem for an unknown thousands of people. There are hundreds of complaints and the XXXX threads reference these complaints are numerous concerning the problems with this transition.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: Colony Brands, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I had a XXXX XXXX of XX/XX/XXXX and my boyfriend is helping me with my credit. When we checked my credit report we noticed 5 credit cards that I never applied, used or signed for that have been closed and charged off. All of the credit cards have the same address and 4 of them were closed on the same day. Which doesn't make any sense. When I have tried to ask questions, or complain, I keep getting the run around, the companies are not found as seperate companies. Even on this site to complain the individual names don't come up. They only come up as XXXX XXXX XXXX.

They are : 1.- XXXX XXXX- open XX/XX/XXXX and closed XX/XX/XXXX {$410.00} charge off 2.- XXXX XXXX/XXXX- open XX/XX/XXXX and closed XX/XX/XXXX {$450.00} charge off 3.- XXXX XXXX- open XX/XX/XXXX and closed XX/XX/XXXX {$460.00} charge off 4.- XXXX XXXX- open XX/XX/XXXXand closed XX/XX/XXXX {$230.00} charge off 5.- XXXX XXXX XXXX- open XX/XX/XXXX and closed XX/XX/XXXX {$130.00} charge off All at 1XXXX XXXX XXXX, XXXX  WI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
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:
ALL 3 " CRA '' CONTINUE TO REPORT INCORRECT DATA VILATES FCRA PROVISIONS 604,605,607,611 AND 623..NOT MY ACCOUNTS ON FILE ... XXXX   XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX  '' ... REMOVE AND CLOSE OUTDATE OVER 7YRS, NOT MY ACCOUNTS, AND ID FRAUD

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-09
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Received a letter from IC Systems stating that they have sent my information to the credit bureaus in regards to the debt with XXXX XXXX XXXX XXXX. Whereas I was making payments on my account and was in constant contact with the XXXX office on charges and was told by personnel that they were still claims on my account with the insurance company and they will contact me when claims have been resolved and I will receive new payment information.

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 2022-08-10
Company: PNC Bank N.A.
State: FL
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/2022 I advised PNC credit card that my cash rewards of {$98.00} had not been credited to my account. I submitted a dispute and they acknowledged that it was not credited however it never showed up on my account. 

On XX/XX/2022 I contacted PNC about a pending withdrawal from my checking account in the amount of {$930.00} and advised that it was an overpayment from an auto pay on my PNC credit card. The branch could not assist and connected me to the PNC credit card customer service. They stated they would put in a request to refund the over payment. Although it was pending PNC checking would not stop the overpayment nor would PNC credit card. I have spent hours on the phone over the last few days and they have not done anything to reverse the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: EQUIFAX, INC.
State: PA
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: EQUIFAX, INC.
State: LA
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 submitted a claim with Equifax on XX/XX/XXXX it is now XX/XX/XXXX and has been more than 30 days called to try to see what was going on and didnt get a clear response according to the law they have to release to fix it or delete it.

Company response to consumer: Closed with explanation