BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-08
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I set up my autopayment on XXXX XXXX XXXX website on XX/XX/XXXX. Their system had told me the payment was set up and no further action was needed. It was to my surprise when they called me a month or so after, telling me that they still had not received payment. They requested I manually pay the amount over the phone, which I did. They claim they sent me a notice of which I never received as they had my address in their system wrong. They were sending mail to my old address. I asked XXXX XXXX XXXX  to fix this multiple times over the phone and they never did, and I never received any notices in the mail. Their autopayment system messed up, even though it told me I was set up. They sent delinquencies to the wrong address as well. I can tell in their messaging system, which did not have these documents at that time they were using my old address.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My daughter, passed away on XX/XX/2015. After she passed away I had to take care of her affairs. Thats when I discovered she falsified my signature to obtain a loan for educational purposes. I did not authorize her to use my signature or my likeness to obtain a loan or financial purposes. I have contacted all three credit bureaus, the department of education and XXXX who holds the loan and they refuse to remove it from my credit report. Its hard enough to lose a daughter but to have to deal with this as an ongoing reminder is more than one should bear.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: Synovus Bank
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
This is in reference to a XXXX XXXX Platinum Mastercard secured credit card. The issuer held {$350.00} of mine and I could charge up to that amount every month. I paid in full almost every month and was Never late. 

I was notified on XX/XX/2019 that I was going to be charged a renewal fee of {$49.00} during my next billing cycle, beginning on XX/XX/2019. 
I IMMEDIATELY sent a written notice requesting that my account be canceled Before the charge went into effect. 

Two weeks later I spoke with a Customer Service representative who told me that I was Not being charged the fee, that a check in the amount of approximately {$400.00} had already been issued ( {$350.00} deposit plus a negative balance of approximately {$45.00} ) and that I should be receiving it any day now. 
I can provide proof of that phone call but cant attach it here. 

Today, XXXX XXXX, I was told that charges were approved on the account after I closed it, and that I was being charged the {$49.00} fee even though the card has been canceled. 

I would like the {$49.00} fee refunded. 

The representative was rude and totally unwilling to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have a Citizens Bank Home Equityline of credit tied to a conventional checking account. Payments to the Equity line are automatically deducted from the checking account monthly. In XXXX of 2017 I overdrew the checking account with the automatic payment on XXXX XXXX. On XXXX XXXX I transferred {$5000.00} to the checking account. I assumed that money would go to pay the overdraft. However what I did n't know was that a separate account had been set up without my knowledge and that the money did not go to pay that ( see attachment 1 and 2 ). I have been charged % 18 interest on that balance {$380.00} which I was n't aware of. I realize that when I opened the home equity line I signed an agreement that Citizen 's could set up this account but obviously I had no idea that the account would not be paid off when the balance on the checking account was several thousand dollars. I found out today that the only way to close this " overdraft account '' was to personally go to the bank branch and request it in person. My total interest charges are not large, {$45.00} but the principle is important. I believe that setting up shadow accounts at the time of overdraft and not closing them when the balance is positive is predatory and deceptive

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-18
Company: Patenaude & Felix A Professional Corporation
State: MT
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I requested verification of debt from another collection company in XXXX. I answered a summons and plead not guilty, as they would not provide me with verification of the debt. Regardless, my wages were garnished by this agency. I was not aware of another judgment attempt. I contacted them in XX/XX/XXXX requesting verification of the debt, but they told me that they had a legal garnishment and were not sure that they would be able to find verification of the debt. They did state that it is for XXXXXXXX XXXX. That information did not have any meaning to me. I filed a complaint with the CFPB and Montana Attorney General XX/XX/XXXX. All communication stopped at that time, so I believed the issue had been resolved. They now phoned me on XX/XX/XXXX and stated that they have a judgment through XXXX. I believe the debt is not only not mine, but also past the statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am XXXX XXXX XXXX and I am forwarding this complaint myself. There is no third party involved in this request. This WELLS FARGO appeared to be included in Bankruptcy which is erroneous because this account is {$0.00} in balance and it only reports on my XXXX Credit Bureau Reports. Send any and all documentation that validates your investigation and comments and that the XXXX Credit Bureau is legally allowed to report this on my credit report. If unable to, remove the account immediately. 
XXXX - WELLS FARGO XXXX XXXX XXXX WELLS FARGO XXXX XXXX - WELLS FARGO 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 2020-12-15
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Company offered a phony promotion through a statement insert claiming that you will receive a {$15.00} statement credit after making 3 single transaction purchases of {$10.00} or more at Exxon/Mobil gas stations. I qualified by making the required purchases.

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 2018-03-20
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Loan # XXXX complaint against Carrington Mortgage services Subject- I do made a paying regularly. In 8 years never late but mortgage company didn't post my payment. 

Hello. 
I brought home in XXXX, since then made the payment on time. I use to made payment to chase mortgages at XXXX, but XXXX sold my account to carrington mortgages, Since XXXX. XX/XX/XXXX I am making payment to carrington mortgages. Payment made by EFT first week of every month. I was shocked when find out my payment not post and but my account 1 month behind. I spoke many time to carrington services and told them there was payment made every month, After all going thru this I made another {$700.00} payment to carrington, in XX/XX/XXXXI made 13 payment.

In XX/XX/XXXX I made

3 payment but carrington online account showing only 1 payment. My monthly payment is {$500.00} because removed house tax removed from my mortgage account. 1 -My complaint is carrington should refund my
{$700.00} from XX/XX/XXXX because I made 13 payment.

2- In XX/XX/XXXX carrington should post my 2 payments because it is paid each payment was {$500.00}. 

Please call me if there is any question. I have receipts. 

thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: Experian Information Solutions Inc.
State: NH
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:
XXXX  ; Experian and XXXX are incorrectly reporting me as an Authorized User on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: OneMain Finance Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/2021, I contacted OneMain for any payment options in which I thought would not be successful. However, I spoke to XXXX that hurried through a deferment options but needed me to sign the deferment documents. I was trying to read the documents however the process was rushed. XXXX stated all I needed to pay-was {$180.00} and told me to call back once I talk to my son. Usually, when the customer had to pay the deferred payment and sign document. However, I trust everything was ok but the information was different than XXXX told me. I was told for my XX/XX/2021 payment a deferment would be done and all I needed to pay was the XXXX. When I called back to make the payment, XXXX stated I needed to pay the exact of {$180.00}. He could not explain why there was balance of {$35.00} I still needed to pay for XX/XX/XXXX. I told XXXX the documents signed should redone because it does not agree with I was told would happen. He stated XXXX was at lunch and sent him a message to contact me once he return from lunch. I feel when you are handling loans or anything that could affect a customer financial, the process nor the customer should be rushed so they can go to lunch.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Because of lost income, I notified my credit card providers in XX/XX/XXXX that I was no longer able to make monthly minimum payments and asked them to reduce the amount due until I can get back on my feet. One of them, XXXX XXXX, immediately worked out with me a plan to reduce the amount and lower the interest rate in the interim. 

But Citi XXXX MasterCard declined to working out a plan with me. I told the bank that all I would be able to pay via online payments is {$100.00} a month in order to keep the account open which I have been doing. 

But, not only am I accruing monthly fees by the bank 's refusal to work out a plan with me as XXXX did but I am receiving on a daily basis anywhere from 4 to 6 robo annoying calls which is a total violation of my rights. 

I want Citibank to work with me during this personal financial crisis and stop harassing me.

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 2017-11-28
Company: Experian Information Solutions Inc.
State: PA
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:
Credit Bureaus have the wrong Information on file there was no Charge off nor did the account run late as stated by credit bureaus. XXXX XXXX did not close the account out right nor did they fix there errors. 

there was no charge off or a balance owed. 

I have provided a letter showing there is no balance nor a charge off. 

there is information showing after the account closed out in good standing showing as open and it was reporting to the credit Bureaus after the account was closed out as late. 
There is a lot of wrong information on this account. No balance never was no charge off nor money owed after it closed out. 

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 2018-03-20
Company: Franklin Collection Service, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Contacted both companies on XX/XX/2018 and several times before this. I have try many times to explained to them that I have been a victim of identity theft for many years and this account those not belong to me. I have submitted police reports and much information need and it's still being charged to me and place on all 3 credit report agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: Bread Financial Holdings, 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: Information belongs to someone else

Complaint:
I have disputed this account a number of times and the company is responding to me as verified but not providing any proof on how the debt was verified. Comenity Bank had violated my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-20
Company: EQUIFAX, INC.
State: CA
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:
Please remove the following unauthorized inquiries from my Equifax credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: Absolute Resolutions Corp.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I saw a collection account on my credit from Absolute Resolutions. I don't know where this debt came from. It is XXXX. 
I sent a validation request to this agency many times and they won't send me anything. This is wrong and against the Law Please help me with this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: Credit Bureau of Jamestown, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt was for my son who went to the emergency room for an issue he was XXXX yrs old. They billed me for his account when he was legal age and on his own. I was not even there when he was treated. How am I responsible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX, XXXX {$4700.00}, XXXX XXXX  XXXX, XXXX {$1300.00}, XXXX XXXX XXXX, XXXX {$10000.00}, XXXX XXXX XXXX, XXXX {$57000.00}, XXXX XXXX XXXXXXXX, XXXX {$310.00}, XXXX XXXX  XXXX {$6800.00}, XXXX XXXX XXXX XXXX, XXXX {$6800.00}. I have contacted each creditor about each of these accounts listed in this comment. I have filed an ftc report for each of these accounts and they have refused tp remove them. I have stated to each of these creditors that I have never used or opened any of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Navient raised my payment to $ 300+ a month because I got a pay raise. I asked if they could recalculate it and they told me that I would have to submit additional pay stubs. Which would only result in the same payment or even higher. Then when I asked what my other options were they said I could put it in forbearance and that was my only other option. Which means Im going to end up owing a lot more due to the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: LD Holdings Group, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a {$160000.00} loan to refinance my home and payoff some bills. Loandepot XXXX XXXX XXXX XXXX, XXXX XXXX, California XXXX, was the lender. Loan # XXXX, I closed on XX/XX/2019. I sent a e-mail on XX/XX/2019 to the lender stating that I wish to cancel my loan application, I also sent the Notice o Right to Cancel, on XX/XX/2019 by US Postal mail, and had tracking number to tell me when it is received. The letter was delivered before the mid night deadline. But the company claim that it did not receive the e-mail or the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'm a Victim Of identity Theft, someone is using my Personal Information without my Authorization they got in to my Banks accounts and open credit cards using my Name I filed a report to protect me from this situation so this matter will be Resolved

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 2021-11-05
Company: ENCORE CAPITAL GROUP INC.
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Debt collector agency Midland Credit Management ( TM ) sent a 'Final Notice ' to the referenced consumer, regarding an alleged debt for a credit account. In the final notice, Midland Credit threatened a potential lawsuit/attorney review if the consumer did not reply by a certain time ( XX/XX/2021 ). Garnished wages and damages to the referenced consumer 's credit report were also threatened. Midland Credit said that the referenced consumer owed {$1700.00}, but also displayed that they were the sole owner of the debt. Midland Credit did not receive permission to communicate with the consumer on any occasion, in any form ( telephone, email, etc. ). Lastly, Midland Credit did not provide the referenced consumer with notice of opportunity to dispute the alleged debt. These are violations under U.S. Code Title 15, Chapter 41. The referenced consumer sent an Affidavit of Truth to Consumer Report Services/Midland Credit Management , as well as an invoice regarding the violations/damage incurred to the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
CapitalOne restricted my savings and checking account in XX/XX/XXXX due to some bogus claim from a wire I received to my account ... : .the sender of the wire claim it was sent under fraudulent pretenses which she could not prove and she never followed up with her bank to get her wire recalled. In XX/XX/XXXX, Cap one closed the case, but did not release my account until I called to check on it which was in XX/XX/XXXX. 


They released the savings acct, which was the account with the incoming wire, but still holding my checking account ( granted, my checking never had any incoming wire, but outgoing wires ) claiming they they are waiting for the banks to recall the funds. Banks dont recall wires unless its requested by the banks customer /sender of the wire. 
Capital one customer service reps refused to tell me what specific banks and what specific wires that they are waiting to be recalled and refuse to tell me if any of these banks if initiated this process XX/XX/XXXX, I had my attorney to send Capital one a demand letter requesting that they release my account, we never got a response from Capital one, so I did a little researched and found the email address for XXXX XXXX, the banks president and emailed a copy of that letter to his email address ... .about a week later I received a email response from someone name XXXX with the usual excuse that they are ending their banking relationship with me ( as if I care ) and waiting for the funds in my account to be recalled by the banks that dont excuse ... .unless of course they are referring to the account of the banks of the individuals that I remitted wires to. Throughout this entire process, even after the wire sender never followed up to get her wire recalled and the money was never sent back to her bank, cap one has never given me the benefit of the doubt ...

Company response to consumer: Closed with explanation