BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-25
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX FIFTH THIRD BANK XXXX XXXX XXXX XXXX, OH XXXX : Letter of Hardship -Acct : XXXX ( Personal Residence ) -Acct : XXXX XXXX ( Rental Property ) Dear Loss Mitigation Customer Care , My family and I have been solid Fifth Third customers for many years, and I appreciate the opportunity to relate the circumstances that have led to the currentdefault status of my Flex line account. Please note that I have XXXX separate Flex line accounts with Fifth Third Bank : My residence at XXXX XXXX XXXX XXXX XXXX. ( Acct : XXXX ) DefaultMy rental property at XXXX XXXX XXXX. XXXX XXXX. ( XXXX XXXX ) Commencing with a letter I received on XX/XX/XXXX from Fifth Third Bank XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX I have been attempting to understand how my residence is in default when I have consistently paid my monthly payments.Upon further investigation and dialogue with Fifth Thirds Mr. XXXX XXXX XXXX we were both perplexed at how payments had been applied to principal and interest at both properties ( listed above ). Mr. XXXX pulled up records from as far back as XXXX, but despite working with me for over an hour on the phone, he could not make sense of the payment history, how the payments were applied, or how my residence was suddenly deemed to be in default. There appears to have been some confusion on my account ( s ) regarding allocating my payments, and possibly in conveying notice to me that outstanding late payments or other charges were potentially impacting my loan negatively. This is by no means an accusatory letter, and I readily acknowledge that I have been overwhelmed by several events in my personal life ( XXXX XXXX of several family members, tenant evictions, XXXX setbacks, etc. ) that may have caused me to assume continuity in my Flex line account ( s ) status since I have consistently paid the indicated payments due per my monthly notices. I would like to resolve this matter as quickly as possible, and I have begun the process of gathering my information in preparation for a loan modification if that is what is deemed necessary? As part of this process, I would appreciate written confirmation that details the exact issues that have led to the current default status. I want to be able to verify that loan payments were appropriately applied to my account or can still be remedied by Fifth Third Bank if it is found that payments werent properly applied to principal, interest, late payments, etc. that may have occurred in the past. Ultimately, bookkeeping errors could impact the loan balance owed, and it is important to establish that amount accurately. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXy Twp. MI XXXX Please note : The Co-borrower is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been a long time since I started disputing my Credit File in hopes of having the fraudulent items be completely removed from my Credit File, however, the Credit Bureaus have done nothing despite the consecutive, multiple disputes I have been submitting. I have read that under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to send me copies of proof of verification and or copies of proof of ownership or any documents bearing my signature but up until now, the Credit Reporting Agencies have never sent me anything related to my dispute. I am now submitting this CFPB Complaint requesting to the Credit Bureaus that they remove the disputed accounts and information that resulted due to identity theft. I need the following items removed as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX MO XXXX XXXX XXXX  XXXX  XX/XX/2022. Also, the Credit Bureaus have been claiming that the disputed items belong to me without sending me copies of documents that I have been seeking. This action of the Credit Bureaus is a clear violated of a consumer 's rights in under the Fair Credit Reporting Act. I have informed my legal aides regarding this matter and they are willing to help me deliver this case to a federal court. If it is not too much to ask, please remove the disputed items as soon as possible.

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 2023-07-10
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2018-10-31
Company: AMERICAN EXPRESS COMPANY
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I was charged for the cancelled transaction and it is have being over a month and issue still not resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
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:
All 3 bureaus are reporting this account as debt still being owed. This account was promised to be removed from my credit BUT HAS UPDATED TO 50 % PAID. I SETTLED THIS ACCOUNT WITH XXXX  XXXX AND IT WAS PROMISED TO BE REMOVED. SEE DOCUMENT ATTACHED. THE LAST UPDATE SHOWS I PAID THE XXXX AND XXXX IS STILL OWED. THIS 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 2021-04-15
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been participating in the Public Service Student Loan Forgiveness Program since XX/XX/2010. I have made my payments every month, on time and never missed a payment. I have been with the same employer for over 11 years and they continue to verify my employment certification. 

To date, I have 18 ineligible payments because they are in " pending review status '' or I was placed in administration forebearance ( which I did not request ) dating back to XX/XX/2010. I have requested a review of these ineligible payment and still have not received a response back. Each time I call, they advise that I just have to wait and will get back to me when they can. They explain that they can not give me an answer because it's in the hands of the department that handles the review. And customer service does not speak with this department to be able to check on the status and provide me any information. 

I continue to make payments towards my student loans but have made more than 120 payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-17
Company: Experian Information Solutions Inc.
State: TN
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 writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2023-04-21
Company: Credit Karma, LLC
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Credit karma took money from my XXXX XXXX with my card locked XXXX dollars that was for my hotel room the following week causing me to have to pay by the day until my next paycheck which I get paid biweekly so this has been ridiculous because they keep telling my gf that they are sending me my money back to my card but I have yet to see anything. After talking with several of the reps on the phone I was rudely brushed off and lied to by several of them. How is it that they can pull money on a two month old dispute without leaving any transaction history with my card locked... they also took XXXX dollars from my gf and tried to say her money bounced back to her XXXX XXXX. It did not. I am furious that a bank so widely known is being operated by thieves. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I deposited a check for my sister XXXX XXXX because she do not have a checking account. We have never had a problem before chase bank. We signed the check and made the mobile deposit on the app. Everything was fine! XXXX even made the funds available to us, so if we was SCAMMING we could have withdrew the money out the account. It was a legitimate check for a settlement she was a part of. But what chase did was cash the check and then freeze the account, instead of just sending the check back if they do not accept second endorsed checks.They should have never cashed the check. Now chase just holding the money in their bank gaining interest on money they should not be. They closed my account I been using putting money into and making transfers from. It is fine they closed the account, but why would they cash a check then hold on to the money? It is no excuse for it, because they could have just simply returned the check and we could have used my credit union or XXXX XXXX bank accounts I have. IT is no telling how many people chase have done this illegal transaction too. Because why would you cash a check, then freeze the funds instead of just return customers checks? They saying come into the bank, but why would we have to do all that over a legitimate check! I think CHASE does this to make interest off our money! We did nothing wrong here and I have proof the funds was available and we could have withdrew the money before Chase closed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: TOYOTA MOTOR CREDIT CORPORATION
State: DE
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On XXXX XXXX, 2017, I purchased a new car from my local Toyota dealer ( XXXX, XXXX XXXX, PA ). In a moment of weakness I also purchased a Vehicle Service Agreement with the {$1800.00} premium to be included in my auto loan through Toyota Financial Services ( TFS ). After reflection, I returned to the dealership 24 hours later and cancelled the agreement with the premium to be returned as a credit to my loan balance. After more than 4 weeks, with no refund and multiple inquiries to both the dealer and TFS, I was told that the refund process normally takes 6-8 weeks before the credit is applied to the loan balance. In today 's electronically-connected financial environment there is no legitimate reason for a simple refund to take that long to process. Two business days would be much more realistic.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: EQUIFAX, INC.
State: FL
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 have submitted Identity theft reports to XXXX  and XXXX XXXX and XXXX XXXX for XXXX  months and they still have not removed the following accounts from my credit report they are causing mental stress

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PR
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
All my debts were included in my bankruptcy Inalready sent all the information to stop collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-30
Company: SIMMONS FIRST NATIONAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Simmons Bank delays posting of their payments consistently by two days. I have had to call two different times to have late fees waived. They are charging consumers late fees that they may have no idea is on their statements. In both cases the my checking account received the money in time. While they have waived the fee both times, who wants to spend 20 minutes of their evening getting the fee waived

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 2020-09-22
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
XXXX keeps calling from a masked number XXXX XXXX XXXX XXXX. I have repeatedly told her to remove the phone number, stop calling, and contact me via mail. She refuses to do so. Furthermore, she does not identify herself as a debt collector as required by law. Furthermore, she calls this number and tells people who pick up the nature of the call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-21
Company: Experian Information Solutions Inc.
State: FL
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 have submitted Identity theft reports to experian and XXXX XXXX and XXXX XXXX for XXXX  months and they still have not removed the following accounts from my credit report they are causing mental stress

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
MY NAME IS XXXX XXXX XXXX, AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE ATTACHED DOCUMENTS AND IDENTIFICATION AS IT CONTAINS MY FULL COMPLAINT AND REQUESTS.

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 2021-09-11
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
1. I opened CITI priority Checking and Saving accounts online in XXXX this year and get approved immediately so that I transferred each {$100.00} into these two accounts ( {$200.00} usd in total ). 

2. Just when I received the physical bank cards and associated documents, I also received a letter noted that my account was closed somehow, but the bank will issue me a check for the balance to me. 

3. However, in the past 6 months, I have contacted citi custom service several times over the phone and even visited the Citi bank branch once to ask the status or progress of the check for my balance of {$200.00} USD. The citibank have not provided me a certain result yet.

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 2017-06-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Account information incorrect

Complaint:
USAA cancelled my debt and issued a  XXXX  IRS form for which I had to pay taxes on the forgiven amount. Per Internal Revenue Bulletin  XXXX  ( Removal of the  36-month nonpayment Testing  Period Rule ) on  XXXX   XXXX ,  2016 , creditors should not send you a  XXXX  form unless the debt is really canceled, extinguished, forgiven, and gone for good. I have disputed the accuracy of the account balance and past due amount with the credit bureaus asking that they be updated to show a {$0.00} balance and {$0.00} past due. However, the information does not update.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: Mobiloans, LLC
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
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:
Hello, I took out a payday loan from mobiloans in XX/XX/XXXX. I have always paid them on time at an outrageous interest rate. I found out in XX/XX/XXXX that the loan is illegal in my state of Massachusetts and I am only responsible for the principal amount which I have paid about triple that amount. I sent an email to the company letting them know the information I found out and they stopped taking the money from my checking account. Now I am trying to buy a house and they have reported to the credit Bureaus that I have on overdue balance of almost {$400.00}. I have asked them to fix the error to a {$0.00} balance and they refuse. I also disputed with credit reporting agency but keeps coming back as accurate. Technically they should owe me a refund of the amount over my principal amount but I am not asking for that, Only to remove or correct to a {$0.00} balance on my credit report.

Company response to consumer: Untimely response
Consumer complaint received 2021-03-26
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a payment of XXXX on the credit card and the funds were deducted from my checking account and received by the credit card bank but not made available to me as credit. This took place on XX/XX/21. This not the first time that this has happened. They advised me that the funds would be available in 7-10 days. That means they are using my money for 7-10 days for investment or other uses. In addition they arbitrarily lowered my credit limit without advising me and as a result I had a purchase declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: Experian Information Solutions Inc.
State: TN
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/ I submitted letters to the credit bureaus informing them about inaccuracies that appeared on my credit profile. I haven't heard anything back from them and it's been over 45 days. I feel like I am being taken advantage of and I will take this matter to court if I have to. These inaccuracies are holding me back and is causing me a tremendous amount of stress. I found out recently that I was impacted by multiple data breaches, and I know for a fact that somebody had access to my information. Section 611 ( a ) states failure to respond within 30 days should result in automatic deletion.

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 2021-09-11
Company: Professional Placement Services, LLC
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Hello, A list of medical bills appeared on my credit report that I am requesting to be removed, but there has been no response. 
The list amounts to {$9200.00} I sent two debt validation letters. One on XX/XX/2021 and the second final attempt XX/XX/2021. 
I did not receive a response to either, but they continued to call me daily through out those two months. 
Now I am moving to file a CFPB complaint for failure to validate the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: EQUIFAX, INC.
State: TX
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 disputed XXXX XXXX XXXX XXXX who is on my credit report as being negative. 

I have no recollection of opening a recent account with XXXX as I already have XXXX and sent Equifax a copy of my chat transcript of the XXXX representative stating that Ive been with them for several years ( I have attached the chat transcript to this message ) I asked Equifax to let me know where the account was open and if the business had a copy of the ID that was used to open The account. 

Equifax came back with the following response : The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 

Nothing else can be seen other than it is still on my credit report! 

I have the right to know how the info has been verified as accurate!! 

The canned response received is not acceptable!

Company response to consumer: Closed with explanation