BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2021-02-10
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have over 100 spoofed calls and calls from this company. They call twice a day almost NEVER from their real number, and they use number spoofing using fake local numbers to call me. If I answer they make squeaking and screetching noises and hang up. This has gone on for 3 or 4 months now over a {$50.00} auto insurance bill I do not owe and is still in dispute.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07
Company: AES/PHEAA
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have been working with XXXX XXXX to update my forbearance application for over a year. I emailed several applications and submitted all of the documents they requested. I called in several times to ask why my application was delayed in being reviewed and the customer service agent said that the form was illegible. I was able to look at the documents that I submitted and they were uploaded directly from my computer. They delayed in processing my application and then reported it late. My application was finally approved for a temporary forbearance but they had already reported it late. Their internal department keeps updating my mailing address to my XXXX sister 's home. I did not receive the statements. They were not authorized to update my mailing address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear CFPB, I am reaching out in desperate measures to bring to light the way my file is being handled. I have an account listed on my credit report that was NOT me. I have been writing the credit bureaus and the company for the last 4 months or so with no avail. I have explained the problem and also included all necessary documentation such as FTC affidavit and the police report. This is extremely time-consuming and becoming costly with letters and running to the police station. I am writing this complaint to effect immediate change. 

The following accounts are opened fraudulently. I never give consent or authorize these accounts. I only discovered these accounts upon speaking to the mortgage officer. I never receive any collection notices about these accounts. 

XXXX XXXX {$1500.00} XXXX XXXX {$1400.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX {$620.00} Here are the accounts I have been writing about. I did not open these accounts and I did NOT receive any money or services. I did not sign these applications and I am unfortunately suffering for these accounts being on my credit. I requested both the creditors and the credit bureaus to stop reporting this account. The account is still reporting. My request was pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. The fraudulent information is still on my credit report and I bring this to your attention. Please review why the companies are neglecting to remove this information as it is extremely damaging.

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 2019-12-27
Company: Nelnet, Inc.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX I sent the company a debt validation letter. They instructed the credit reporting agency to have me contact them. When I did the refused to reply. They continued to violate my consumer rights, pursuant to fact, 15 us code 1692b, 15 us code 1692g, 15 us code 1692c, 15 us code 1692d ( 1 ), ( 2 ), ( 3 ), ( 4 ), and others. I contacted them again in XX/XX/XXXX, again no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Appeared on credit wasn't aware this or this 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 2023-08-18
Company: Lockhart, Morris & Montgomery Inc.
State: CT
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Lockhart and Morris have been trying to collect a debt for CDL training that was never complete. I kicked out of the school. I never graduated from XXXX XXXX I graduated from XXXX XXXXXX/XX/XXXX school in Massachusetts. So I do not owe Lockhart and Morris nor XXXX XXXX. And I've been threatened with derogatory and marks all my credit report if I don't pay it's that that I don't owe to Lockhart and Morris.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: EQUIFAX, INC.
State: MA
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:
On XX/XX/XXXX, I sent a dispute letter to Equifax about the following accounts : XXXX XXXX ( Date opened : XX/XX/XXXX. Balance {$280.00} ), XXXX ( Date opened : XX/XX/XXXX Balance : XXXX ), XXXX  Date opened : XX/XX/XXXX, Balance : Not reported ), XXXX ( Date opened : XX/XX/XXXX Balance : {$4500.00} ). It's been over 45 days since I sent dispute and they have not answer as they are required by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: GOLDMAN SACHS BANK USA
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
When applying for an Apple card, they won't accept a valid and current U.S. passport ( or a military id ), which is the most accepted form of identification in the world. I'm sorry, I didn't fake my passport somehow.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I just checked my score from XXXX XXXX, while I found out there're two hard inquires today XX/XX/2019, which I never initialed. I went through a crazy identity theft crime on XX/XX/2019, and that person hacked everything, and took all my personal information to call the banks. I believe these two reports from SYNCBPAYPALEXTRASMC.

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 2019-12-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My Capital One 360 Money Market account was the only account I had with Capital One. The account was opened on XX/XX/XXXX. At the time of account opening, I uploaded the picture of the front and the back of my ID as requested by the bank. There was no issue until 15 months later. Access to my account was suddenly restricted on XX/XX/XXXX. I called the bank and answered all questions correctly, but then I was told that I can not be verified over the phone. I was asked to bring my ID to a Capital One Cafe. Fortunately, there is one in my state but is 60 miles away. I went there on XX/XX/XXXX, the staff in the Cafe verified my ID and confirmed with Capital One Management Team. I was then grilled by a female staff member on the phone. She asked vague and strange questions that I did not feel comfortable and did not know how to answer. She then came to a final conclusion that my account will be closed as of today and that Capital One can no longer open any new account for me in the future because I was considered " high risk ''. I asked to speak to her supervisor regarding what the high risk mean. The supervisor ( who claimed his name is XXXX, a supervisor at Capital One Bank ) said that I logged into my account from a phone named " XXXX 's XXXX ''. He said the previous female representative accused me of leaving my Capital One credentials on someone else 's phone. I explained to the supervisor that " XXXX XXXX  '' is my XXXX ID user name ( screen name ), and " XXXX XXXX XXXXXXXX '' is in fact my phone. The supervisor seemed to be skeptical and refused to reopen my account. I was shocked that Capital One 's mobile app collected un-permitted information from my phone. I never granted such access to Capital One 's mobile app. I ask that CFPB conduct a thorough examination of Capital One 's mobile app and check if there is any unwanted spyware running in the background that collects and sends un-permitted information from the phone back to Capital One. I ask that Capital One restore my account because the closure is in violation of the banking laws and regulations. I also ask that Capital One give me {$1000.00} in restitution for the time I spent on the phone and for the psychological stress that I suffered from being unfairly treated by Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history.

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 2017-07-28
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I keep getting overdrafts with money in the acct, there online banking is not accurate, was treated like a criminal by the branch manager and never got my refund back, they charge fees when they are not supposed to been happening for 5plus years, misc charges at several occasions, always get treated poorly at the branch, they charge to see a teller and list goes on

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
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: Public record information inaccurate

Complaint:
Hi, I recently requested the banckupcy be removed from my credit report and you haven't done so. It's quiete simple if you are reporting information that is erroneous or flawed you " HAVE '' to remove it's just as simple as that. 

I am a XXXX XXXXXXXX veteran with ; XXXX XXXX XXXX, XXXX XXXX and many more health issues too many to mention here. You need to do the right thing and remove the false and inaccurate information on my credit file ; it's not my address. 

Delete it ....

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX I submitted complaint # XXXX-XXXX  to your agency. Please refer to that complaint for history leading up to the closed date of XX/XX/XXXX with reference to the response to my complaint received from Fifth Third Bank XX/XX/XXXX. 

In the letter dated XX/XX/XXXX after a very significant amount of time Fifth Third Bank admitted the errors made within their institution and assured me the resolution was complete and if I concede and accept the resolution to pay {$5400.00} by XX/XX/XXXX all late fees, and ALL LATE PAYMENTS BEGINNING IN XX/XX/XXXX AND THE CHARGE OFF REPORTED TO CREDIT BUREAUS REPORTED IN XX/XX/XXXX WOULD BE REMOVED UPON RECEIPT OF THE PAYMENT. 

I called the proper department named in the letter prior to XX/XX/XXXX to pay the amount due only to learn that they were not able to locate XXXX XXXX ( represents the office of the president department ) and therefore could not accept the payment??? I tried back the following day and after 61. Mins 54 seconds I was finally able to pay via ACH DEBIT. 

I placed multiple calls to the department named above XXXX specifically where I left 4 voicemails from XX/XX/XXXX in order to follow up with the removal of derogatory statements on my credit reporting. To receive a voicemail from XXXX XXXX XXXX at XXXX XXXX  telling me that I now need to make an additional 3 payments prior to XX/XX/XXXX ( statement dates not specified ) instructing me to pay an additional XXXX x 3 by XX/XX/XXXX. Upon receipt of 3 MORE PAYMENTS THEN SHE COULD REMOVE DEROGATORY STATEMENTS ON MY CREDIT REPORT. I paid XXXX XXXX UP UNTIL XX/XX/XXXX an automatic payment every month until this loan transition to FIFTH THIRD. FIFTH THIRD WAS PAID XXXX TO XXXX AND XXXX PAYMENT TO BE WITHDRAWN THE XXXX THE SAME DAY FOR YEARS. At this time my previous complaint is not closed its open with no resolution completed. All I received were words NO ACTION. They have had many month to sort through this issue as it was brought to their attention 3 times per month for 6 months. NONE OF WHAT WAS PROMISED BY FIFTH THIRD BANK WAS COMPLETED WITH THE CREDIT BUREAUS. 

I AM IN THE SAME POSITION AS I WAS XX/XX/XXXX FIGHTING WITH A COMPLETELY DISORGANIZED MALFUNCTIONING INSTITUTION THAT CLEARLY HAD NO BUSINESS TAKING ON THIS MERGER. AGAIN I AM THE INNOCENT VICTIM WITH DESTROYED CREDIT AS A BUSINESS OWNER IT MAKES MY STRUGGLE EVEN HARDER. 

PLEASE HELP ME XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I have Euro XXXX sitting in my account with coinbase. 

I have been trying to withdraw the funds for the past 4 weeks. 

The first week was due to my error in linking the wrong account. since then I have sent XXXX euro to verify my account as per their online instructions. 

I have reported via their support desk and called them 3-4 times from the XXXX. 

They said that I should send XXXX euros to make it work, which I did. The money appeared in my Coinbase account but the bank account is still not verified. 

they say they have a backlog of issues like this, this is unacceptable and I need to withdraw these funds as soon as possible. 

thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: Experian Information Solutions Inc.
State: TX
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:
I AM IN NEED OF RECEIVING AND REPORTING SUSPECTED FRAUD OR MISUSE OR ABUSE OF AND THEFT OF MY SON 'S SOCIAL SECURITY NUMBER AND THUS, CREDIT STATUS. 

THE SOCIAL SECURITY CARD WAS STOLEN XX/XX/2012. 

MY SON IS XXXX YEARS OLD AND HIS BIOLOGICAL FATHER WAS LAST IN THE ROOM WHERE THE VITAL RECORDS AND MY WALLET ( INCLUDING MY SON 'S SOCIAL SECURITY CARD ) HAD BEEN PHYSICALLY PUT AWAY ON MY DESK AND IN BACKPACK ... .WHILE FATHER VISITED WITH MY SON ALONE AS A COURTESY FROM ME AND OUR VISITATION ORDERS AFTER FIVE + HOURS, THE WALLET AND RECORDS WERE NO LONGER LOCATED. 

I WAS LED TO BELIEVE I HAD GIVEN FATHER COPIES OF RECORDS, ETC, HOWEVER, I WAS NOT GOING TO ARGUE OR BRING UP THEFT DUE TO VIOLENCE POTENTIAL. 

WITH FULL TIME WORKING AND PART TIME SCHOOLING I SOUGHT AND OBTAINED REPLACEMENT CARDS AND RECORDS WITH THESE REPLACEMENTS BEING INCORRECT NAMES FOR MY SON AND I BOTH. 

I AM CURRENTLY AS OF TODAY REPLACING MY SONS AND MINE SOCIAL SECURITY CARDS AND REPORTING PASSPORT STOLEN. I AM NOT POLICE REPORTING AS I HAVE EXHAUSTED MY TIME AT POLICE STATION WITH REPORTS OF XXXX, XXXX XXXX, AND HAVE EXHAUSTED LAWYER CASE MANAGED COURT CUSTODY HEARINGS IN XXXX COUNTY TEXAS FOR AND AWARDED WITH SOLE CUSTODY OF MY SON. 

XXXX XXXX HAS RECORD OF XXXX AND XXXX AND XXXX XXXX. 
HAS BEEN KNOWN TO HARASS ME WITH PHONE CALLS, THUS, I SEEK A SIMPLE EASY SOLUTION INTO OBTAINING A REPORT FOR MY SON 'S 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 2018-12-23
Company: Receivables Performance Management, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Receivable Performance placed a " collection '' on my credit report in behalf of XXXX on XX/XX/2015 in the amount of {$110.00}. I disputed this with XXXX  ( unfortunately, I can't recall the date ) & XXXX sent me a letter stating basically that the debt was mine. This is LITERALLY IMPOSSIBLE! I HAVE NEVER HAD XXXX. XXXX DO NOT SERVICE MY AREA. I have the same name as my father with the exception of my middle name ( My dad does not have a middle name ). My father HAS HAD XXXX in the past. 
Please investigate this and have it removed from MY credit report. 

Thank you for your assistance!! 

Receivable Performance XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, WA 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 2022-09-21
Company: Experian Information Solutions Inc.
State: NY
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX BANK : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX OF XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-12-27
Company: REGIONS FINANCIAL CORPORATION
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Regions Mortgage - Loan Account : XXXX We paid our mortgage loan completely on XX/XX/19. I contacted Regions Mortgage the same day to make sure the auto withdrawal was stopped. I have emails from Regions Mortgage that the withdrawal was stopped. This morning XX/XX/19 they have secured funds from our XXXX  XXXX XXXX account and are proceeding to withdraw funds for a mortgage payment that no longer exists. 

I complained about the process and spoke to someone about this issue. I have confirmation the loan is paid. I have confirmation from Regions the withdrawal was stopped on XX/XX/19. 

I have attached their website page showing our loan detail. You can see the principal balance is XXXX. Amount due is XXXX, yet they have secured funds from our bank to pay a mortgage with XXXX  balance. 

Please assist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was not informed my credit card would be closed. 
No phone call. No email. No received mail. 
Just a notification my account has been closed. 
I have had this credit card for years now. Ive never been made a late payment!

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