BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
I submitted a complaint previously. Please refer to XXXX # XXXX. Please note all documents have previously been submitted to CFPB. 
Neither financial Institution XXXX XXXX or Citizens Bank have resolved this issue to date. Two insurance checks were stolen and the funds have not yet been returned to me. The individual that stole the checks have basically gotten away with fraud and thievery.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is the 3rd complaint. Mr. Cooper is placing the burden on the me to prove they were justified to charge me PMI. It should NOT be my burden. They should NEVER have charged me PMI in the first place. Please help me. On XX/XX/2020, I did write the email but that was ONLY after I'd called and requested the PMI be removed. I received the email from a phone call I made - otherwise I would not have been able to email anyone. The person I spoke to previously from Mr. Cooper gave me the email address! I am requesting Mr. Cooper reimburse me every XXXX of the money taken from me for PMI - pull phone records if needed. Also, I have another loan with Mr. Cooper with much less equity in the same zip code and Mr. Cooper has NOT charged PMI on that home. It makes no sense they would charge PMI on a home for which I have over 75 % equity. Please reimburse me immediately for {$700.00} ( XX/XX/XXXX-XX/XX/XXXX ) plus {$28.00} per year interest. {$790.00}. Thank you XXXX XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX {$780.00} XX/XX/2019 This account is an result of identity theft. I have reached out to this company several times. No result can you please help in this matter.

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 2017-12-02
Company: ProCollect, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company is claiming that I owe them {$2600.00} for an apartment that 's in XXXX when I 've been a Louisiana resident since the day that I was born. This company claim to have a copy of my signature with someone else 's signature as well. I have never even heard of this company. Somehow they 've gotten my fathers address and are sending things to him when I have n't lived at that address in years. How can two people both owe {$2600.00}, if anything that debt should be split amongst two people. When asked to validate this debt, they sent me a copy of a lease with a signature that 's not even mines. The dates that they are claiming I " moved '' in is impossible because I started my lease where I live now in XXXX. I ask that this company take the time to investigate this issue or Remove this debt from my credit reports, because I do not owe anyone {$2600.00}. I also, DEMAND that this company send me an agreement proving that they have the right to collect on this debt that I supposedly owe. If this matter is n't handled properly, I will be forced to report to the Federal Trade Commission.

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 2017-12-01
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My checking account with KeyBank was hit with 5 fees of {$38.00} in 2 days for returned amounts that were being withdrawn from XXXX. I understand one fee for not having enough money, but almost {$200.00} in fees over 2 days? How am I supposed to regain financial footing if my bank is slapping me with all these fees? From XX/XX/XXXX - XX/XX/XXXX {$190.00} in fees were charged to my account for {$87.00} that was returned. One transaction was only for {$4.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-29
Company: GOLDMAN SACHS BANK USA
State: WA
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:
I made an online purchase using my Apple Card ( issued by Goldman Sachs Bank USA ) on XX/XX/2020 in the amount of {$180.00} from what turned out to be a fraudulent vendor : XXXX ( XXXX ). I realized it when I tried to track my order but couldn't, and when I tried to contact the vendor, the number was disconnected and the email was undeliverable. I disputed the charge with Goldman Sachs within a few days. I never did receive the product. 

Goldman Sachs has repeatedly resolved the dispute in the vendor 's favor, even though I provided documentation, including the undeliverable email, disconnected phone, paypal community results showing others had encountered the same issue with the vendor. I also contacted XXXX and was told that the vendor had been identified as fraudulent and suspended, which information was also provided to Goldman Sachs. Even after multiple times reasserting the dispute, providing additional information and speaking to numerous customer service representatives, I can not get a clear answer as to why the dispute was resolved in favor of the fraudulent vendor. 

The Apple Card has been extremely convenient, but this has been the worst customer service I have ever received. I have luckily not had to dispute many transactions, but the couple of other times I have were with other credit card providers who were prompt, communicative and fair. If this is how Goldman Sachs treats an actually verifiably fraudulent transaction, how will they deal with more run of the mill complaints with vendors? I should not have had to continually dispute this transaction for more than 6 months to try to get it resolved. Apple Card users beware.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-30
Company: EQUIFAX, INC.
State: SC
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:
XXXX XXXX has been unable to access my equifax credit report since XX/XX/XXXX. XXXX XXXX XXXX was unable to access my equifax report on XX/XX/XXXX. XXXX  was unable to pull my Equifax credit report on XX/XX/XXXX. Ive reached out to Equifax on numerous occasions to try and resolve the issue. Ive spent at least 6 hours on the phone speaking with multiple agents but no one can seem to get to the bottom. Im told the account is not frozen/ or locked. I think this may go back to when I cancelled my equifax premier plan. I just need help to get this accessed so we can refinance our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am XXXX XXXX & I am a consumer Ive constantly told you guys that they have been violating my federal rights!!! I did not give them direct consent nor written instructions to furnish a consumer report. Yet Ive found over 50 items on my report HOLD THEM ACCOUNTABLE!!!!

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 2020-05-06
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
There are four inquiries that have passed the removal date without being removed! 

XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX   XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Again - this is effecting my credit score!

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 2020-05-05
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: Old information reappears or never goes away

Complaint:
My credit sore is XXXX and I have one or 2 things in collection every time I run my credit or apply for something I get turned down They say because Derogatory inquiries in serious delinquency

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 2021-09-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I settled with portfolio recovery for a XXXX XXXX credit card debt and its still reporting a balance. This account is legally settled and is still affecting my credit because its reporting an inaccurate balance. The balance should be reporting {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: AES/PHEAA
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
When I recertified my Income Based Repayment plan, I selected that my income has significantly changed from the last year, but XXXX still forced me to upload tax returns. They ended up using my wife and my joint return to recalculate my payment. However, we just had a child and my wife is solely commission based and has not been working. As a result, or family size has increased and our income has drastically decreased. When I received the new monthly payment, which was four times higher than the previous year 's, I called to have the payment re-calculated. After explaining my situation on 11/19, that individual told me to upload my pay stub and to request a recalculation, which I did. She also told me to not pay the increased payment, because my XX/XX/XXXX invoice would be re-calculated. When I called today, XX/XX/XXXX, I was told my payment can not be recalculated and now because we can not afford the payment this month, my only option is a 30 day forbearance which adds approximately {$6000.00} in principal and interest to my total balance. The representative even apologized that the previous rep made a mistake in misleading me about the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Late closed/Open : 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 2021-09-02
Company: Porania, LLC
State: NJ
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:
These accounts don`t belong to me. Please remove from my credit reporting agencies. Please see beloww the lis of accounts that are reporting derogatory on all 3 credit reporting agencies.

Company response to consumer: Untimely response
Consumer complaint received 2020-01-27
Company: Experian Information Solutions 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:
I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA & # 39 ; s. On XX/XX/2019, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of 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 2020-10-25
Company: ALLY FINANCIAL INC.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2019, my vehicle was repossessed and later sold despite many attempts to contact the company to resolve the account billing discrepancies historically existing on account. Subsequently, the company reported this erroneous, inaccurate account billing discrepancies to all credit reporting agencies. Please be advised, Complaint ID : XXXX, submitted on XX/XX/2019 which was regrettably closed on or about XX/XX/2019. Moreover, I am submitting this complaint with additional documentation to redress this original complaint with the same theme restating inaccurate account discrepancies with the payment history of payments submitted to on account. 

Upon the payment proofs submitted, please find that with the advanced payments on account, this account standing existed with approximately 17-months of advanced payments. With these advanced payments this fact this account was never late with payments on account. Additionally, the proofs of payments submitted by receipt leaves no doubt as to the findings of inaccurate account billing discrepancies claimed in this original complaint filed under Complaint ID : XXXX, dated XX/XX/2019.

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 2021-09-10
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: Credit inquiries on your report that you don't recognize

Complaint:
To whom it may concern, I received a large number of alerts regarding inquiries. I was alerted that my information might have been compromised. I am requesting that these items be looked at and deleted from my report. I am not sure which reporting agencies go to what actions, so I am including all inquiries. 

XXXX XXXX XXXX, XXXX XXXX 2021 XXXX XXXX  XXXX, XXXX XXXX, 2021 XXXX XXXX XXXX, XXXX XXXX, 2021 XXXX XXXX, XXXX XXXX, 2021 XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, 2021 XXXX XXXX XXXX XXXX. XXXX XXXX, 2021 XXXX, XXXX XXXX, 2021 XXXX/XXXX XXXX XXXX, XXXX, 2021 XXXX XXXX XXXX, XXXX XXXX, 2021 XXXX XXXX XXXX XXXX XXXX XXXX, 2021 XXXX/XXXX, XXXX XXXX, 2021 HERE IS THE LIST To my knowledge there were inquiries with XXXX, equifax and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: Experian Information Solutions 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:
Identity theft victim

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 2018-02-14
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: Account status incorrect

Complaint:
XXXX XXXX transferred my mortgage in XX/XX/XXXX. XXXX # XXXX I recently checked my credit report after my score dropped significantly for no apparent reason. 
My credit report shows that XXXX XXXX  reported a Late Payment to Transunion for a XX/XX/XXXX payment. 
I disputed this late payment on a closed account ( closed/transferred in XX/XX/XXXX ),  via Transunion and XXXX did not correct it. 
My lower credit score as a result of this incorrect late reporting on an account that has been closed for 5 years, is preventing me from qualifying for a new home. 

I am attempting this CFPB approach as a final attempt to get this corrected before I retain the services of an attorney to sue XXXX XXXX and to be made whole.

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 2018-02-14
Company: U.S. BANCORP
State: NV
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:
set up auto loan payment and it didn't go through and i was 30 days late on my auto loan. can i please get this fixed and i can show proof that i had enough money in my account at that time.

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 2021-09-10
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
To whom it may concern, I received a large number of alerts regarding inquiries. I was alerted that my information might have been compromised. I am requesting that these items be looked at and deleted from my report. I am not sure which reporting agencies go to what actions, so I am including all inquiries. 

XXXX XXXX XXXX, XXXX XXXX 2021 XXXX XXXX  XXXX, XXXX XXXX, 2021 XXXX XXXX XXXX, XXXX XXXX, 2021 XXXX XXXX, XXXX XXXX, 2021 XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, 2021 XXXX XXXX XXXX XXXX. XXXX XXXX, 2021 XXXX, XXXX XXXX, 2021 XXXX/VXXXX XXXX XXXX, XXXX, 2021 XXXX XXXX XXXX, XXXX XXXX, 2021 XXXX XXXX XXXX XXXX XXXX XXXX, 2021 XXXX/XXXX, XXXX XXXX, 2021 HERE IS THE LIST To my knowledge there were inquiries with XXXX, XXXX and experian

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 2018-03-23
Company: National Credit Systems,Inc.
State: TX
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:
This is my second attempt to have this matter resolved with both the CRA and the Collections Agency neither has been in correspondence with me regarding the issue and it has been over 30+ days. I have asked for account verification of the account that's being reported negatively on my credit report. Please respond with verification. As I know.. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Experian Information Solutions Inc.
State: MO
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 submitted a letter to the Experian and XXXX on XX/XX/22 to update this suspicious information. I think Experian and XXXX have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and XXXX, and I'm including it again. 


XXXX XXXX XXXX XXXXXXXX Balance : {$4800.00} XXXX XXXX Balance : {$13000.00} XXXX XXXXXXXX Balance : {$27000.00}

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