BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-23
Company: DISCOVER BANK
State: CA
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 a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-25
Company: Experian Information Solutions Inc.
State: CA
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:
Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that FRAUDULENT inquiries that had been made on XX/XX/XXXX and on XX/XX/XXXX are still being reported on my credit report. I contacted XXXX XXXX BANK, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX BANK, they can not see the inquiry and so they can not remove something that isnt there. I request that you initiate a REINVESTIGATION into XXXX XXXX BANKs ( XX/XX/XXXX and XX/XX/XXXX ) inquiry on my credit report to determine who authorized these hard inquiries. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiries. ( Do not send me anything via US mail. ) Please note that although the inquiries shown on my credit report are a factual record of the company who accessed and reviewed my profile and although they are only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. If you find the inquiries referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with these FRAUDULENT hard inquiries. Thank you for your assistance in this matter. Very Respectfully, 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 2020-08-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-21
Company: ALLY FINANCIAL INC.
State: AR
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
This account is in my mother name. I have paid for everthing that has to do with the camper that I live in. I noticed that a payment was not paid. i sent payment on XX/XX/2019 and Ally return the payment back to my bank on XX/XX/2019. On XX/XX/2019 I call to see why they said that i owe {$1700.00}. that by my records I was only missed XXXX payment. they have it in repossession. I told them they refused a payment that means the account is paid in full.the call was recorded on my end

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Fay Servicing , LLC ( " Fay '' ) took over servicing of my mortgage in XX/XX/XXXX from XXXX XXXX XXXX. Since taking over the mortgage, they have not sent any statements of amounts due or any breakdown of principal, interest, fees or other amounts being collected. Fay sent a notice to accelerate my mortgage in about XX/XX/XXXX, and I sent a letter complaining of the lack of any statements as well as a check to pay the arrears. I still have never received any statements on my mortgage. Ever. 

I sent another letter dated XX/XX/XXXX to again complain that I have not received any statements. I also requested relief as a result of the coronavirus pandemic and the reduction of the revenues of my firm. 

Fay has now filed a notice of default even though I have never received a single statement or invoice for payment. When Fay took over servicing of the loan, Fay never sent me a letter indicating the amount due per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: REGIONS FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Regions Bank : On XX/XX/XXXX I inquired by phone if physician mortgage program existed at Regions bank in state of Utah. The loan officer assured me it was and went over the program details. I provided my personal information for application. The loan officer did not return my call on XX/XX/XXXX. After again reaching out to the bank on Mon. XX/XX/XXXX the same loan officer, after pulling my credit informed me that the program discussed, and authorized for credit check, does in fact not exist. Was told I could not speak to a manager.

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 2021-05-04
Company: EQUIFAX, INC.
State: TX
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:
Equifax, XXXX  and XXXX are all in violation of my consumer rights. See the attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: TD BANK US HOLDING COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX XXXX store card issued and serviced by TD. When trying to make a payment on line and if using wrong user name it does not say that, it only prompts to new password. Then when I try to create new password, as that is what the TD payment system directed me to, it doesn't accept my SS # thinking that my number was entered in wrong by the store. In reality the user name is not right and this continues every month when trying to make a payment. confusion causes late fee of {$28.00}. I feel this is a " gotcha '' tactic to drive revenue on late fees because this is interest free account for 36 months. 
The customer service rep said their are other payment methods on line but I could never get on line because the user number was not correct, again it would only tell me password reset and then not allow password reset which then causes me to manually call and if I'm at a location where that is not possible or it's past hours or I'm on airplane or in meetings all day then and I'm past my US mail deadline to mail the payment, then I'm charged. 
They offered a reversal of late fee bACK in XXXX, but every month I have the same issue and sometimes it gets me - thus the unneeded difficulty that causes confusion, frustration and then a late fee that no matter what you say they will only refund every 12 months. 
All of my bank accounts that I pay on line will tell me when the user code is incorrect, but not TD. I feel this is a harmful tactic to make late fee revenue in place of interest free.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-03
Company: Experian Information Solutions 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 XXXX credit card about two weeks ago and was not approved then today XX/XX/20 I got a letter in the mail saying that the reason I was not approved was because there were accounts and inquiries reflecting badly on my credit. I looked at each of those accounts/inquires and I realized that none of them belong to me. I did not open any of the accounts that have been listed on this report nor did I give anyone permission to open them in my name. I do not have any contract or agreement with any of these companies and I am not affiliated with them in any way. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not contribute to any payments that might have been made towards those accounts. I don't know who could have stolen my personal information to open these accounts but I have already filed a police 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 2023-08-05
Company: CCF Intermediate Holdings LLC
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I have an imposter acting like a speedy-cash representative and they keep e-mailing me threatening to take me to jail I have already given them the e-mail address of the scammer I get them every week several times, Speedy Cash is aware of the scammers please contact speedy cash! 
THANK YOU! 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Problem with customer service

Complaint:
On XX/XX/2020 I purchased a MoneyGram money order in the amount of {$90.00} from Walmart in XXXX  XXXX, NY which is one of their agents. Preprinted on their money orders it now says mobile deposit prohibited. This was never printed on their money orders before. MoneyGram has no legal basis for printing this on their money orders or for telling depositors that they can not use mobile deposit as long as the money order was legally acquired and is being used for a lawful purpose. I want MoneyGram to be ordered to legally desist printing this on their money orders and allow mobile deposits.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
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 XXXX credit card about two weeks ago and was not approved then today XX/XX/20 I got a letter in the mail saying that the reason I was not approved was because there were accounts and inquiries reflecting badly on my credit. I looked at each of those accounts/inquires and I realized that none of them belong to me. I did not open any of the accounts that have been listed on this report nor did I give anyone permission to open them in my name. I do not have any contract or agreement with any of these companies and I am not affiliated with them in any way. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not contribute to any payments that might have been made towards those accounts. I don't know who could have stolen my personal information to open these accounts but I have already filed a police 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 2018-04-26
Company: ZARVAD III S.A.
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
It is XX/XX/XXXX and I have received at least 4 calls since last week from XXXX looking for me ( former married name from XX/XX/XXXX ) ... and they've even called my family ( some of whom I don't even have a phone number for ) and friends! This was in regards to a payday loan I had discharged in XX/XX/XXXX and when I called them back, I requested that could send them proof of said discharge. ( The phone number I called back was XXXX ) I was told to pay them first ( not send in the proof ) and then I could have the option of disputing it in court. I told them I wasn't going to pay something I knew 100 % had already had discharged over 8 YEARS ago. They called again today and I told them I would like to speak to a manager ... .guy said he would transfer me and instead hung-up! I called back and stated I was just about to be transferred to a manager and to please do so and the lady ( this time ) stated the managers had already left about 30 minutes ago! TOTAL SCAM!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: SYNCHRONY FINANCIAL
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I received a notice that SYNCB/PPC also known as Synchrony Bank, had closed my paypal account between XX/XX/XXXX and XX/XX/XXXX. It showed up as something that may lower my credit score. I have never given Paypal or Synchrony Bank permission to run my credit or do anything with my account. 

I was not contacted by them to be told of the changes. I do not want to have my credit negatively impacted by a company that had no permission to do anything with my credit. I have previously had problems with someone trying to take funds out of my paypal account in XXXX, and have not used it since due to this reason. 

I called the company on XX/XX/XXXX to have them run a dispute on the changes.

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 2020-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-01-21
Company: GUARANTEED RATE INC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was refer to XXXX XXXX from Guarantee Rate Mortgage for a lender. Mr . XXXX wasted three months of my time. I was not told in detail everything I needed to do to be able to receive a preapproval. I was just told I needed to improve my score by two points, I was also  told that I can receive a preapproval for a mortgage loan with a XXXX. Once I receive the XXXX, I was then told I needed two credit lines open. Mr.XXXX  never ran any numbers to try to get me a preapproval, he also would not return my email or calls. I wasted three months of time and was lied too. He is unprofessional. I feel discriminated because of my poor score he didn't take the effort to try to help as a client.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: EQUIFAX, INC.
State: IL
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:
The credit bureaus said they dont have contracts that i signed and they contacted the creditors and they say the information is verified. How can they verify my derogatory accounts if they dont see physical proof that i signed a contract. The credit bureaus or the creditor has not presented a contract for any of my derogatory accounts that i supposedly signed for. Every account that i disputed has to be deleted according to the Fair Credit Reporting Agency. They are violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
To Whom It May Concern : JPMorgan Chase Bank withdrew 3 payments of {$1900.00} each from my account : {$1900.00} on XXXX  XXXX, 2021 {$1900.00} on XXXX  XXXX, 2021 {$1900.00} XXXX XXXX  XXXX, 2021 The 2 withdrawals on XXXX  XXXX were fraudulent and resulted in my account to be overdrawn. A credit card payment I scheduled for XX/XX/2021 for {$850.00} was declined because of the overdraft. I have a second credit card payment that is due tomorrow and a third credit card payment is due on XX/XX/XXXX. All these payments have been scheduled and I have no funds in my checking to cover these payments as my next paycheck will not be credited to my account until XX/XX/XXXX which is reserved for payments due on or after XX/XX/XXXX. 

Apparently, this only impacted XXXX customers who bank with Chase. 

JPMorgan Chase contends that the error is on XXXX end however, all things point to Chase being at fault because I pay my mortgage online from XXXX 's website. When I initiate these payments, it is posted to my mortgage account first and a day or XXXX later, the same amount is withdrawn from my checking account. However, the payments withdrawn from my account today, XXXX  XXXX, were not posted to my mortgage account. 

I called JPMorgan 3x, the first representative a male, was rude. The supervisor I spoke to named XXXX gave the same spiel as the male rep and hang up the phone before I could finish talking. The third representative I spoke to named XXXX, who would not give her ID # or last name placed the blame on XXXX. 

All 3 Chase reps told me to deposit funds to my account so my other payments are honored. I was told to come up with {$3800.00} on a Saturday morning! Chase made an error and I am told to come up with the money to temporarily rectify their mistake! This is not right especially during this pandemic. I only have enough funds to cover my expenses on my personal account. For Chase to tell me to come up with additional funds to cover my payments thru no fault of mine is egregious. 

Late payments negatively impacts my credit in addition to the late fees that will potentially be charged to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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 a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2021-08-19
Company: Premium Credit Bureau
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:
Some one is using my SSN to pull credit/credit card. I have a lot of inquiries and have not been removed.

This inquiries need to be remove, if they can not show proved of contracts etc. I also have freezed all 3 bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
contacted transunion credit bureau and spoke to 3 different non English speaking hard to understand employee who refuses to look it to 7 hard inquiries that where not mine. ( 1 ) XXXX XXXX XXXX ( 2 ) XXXX  XXXX  XXXX ( 3 ) XXXX XXXX XXXX ( 4 ) XXXX  XXXX XXXX ( 5 ) XXXX   XXXX ( 6 ) XXXX XXXX XXXX and ( 7 ) XXXX  XXXX XXXX and they refused to remove the hard inquiries and stated it only affects my score a little.

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