BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-16
Company: EQUIFAX, INC.
State: SC
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 have submitted a complaint 60 days ago and still have not received a response back from any of the bureaus, they have been closing my complaints by sending back authorization of verification when I have sent all documents with all Identification including : Drivers License, Social Security Card, and Proof of Address, this has been more time than allotted to respond, please delete all accounts not verified at once, I feel I am being ignored and if I send another letter this will go no where. Please do not respond with anymore authorization for verification, I feel this is a stall tactic to gain more time for not doing your jobs correctly, I have supplied all items needed for the investigation to take place, and you have neglected to do so. I am not just another nobody, this is affecting how I live my life. 
Complaint numbers as follows : XXXX : EQUIFAX XXXX : XXXX  XXXX : XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this company obtained my personal information without my consent and is reporting on my credit report for a debt of {$140.00} that I do not owe them. they are also violating the HIPPA 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 2018-06-16
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/2018 TD Bank Reversed A Provisional Credit Back To My Checking Account And My Account Is Negative - {$210.00} and my account is being used for Social Security Direct Deposit and TD Bank Claims There Going to Keep Money From My Social Security Check and this transaction was a Fraudulent Charge and TD Bank Denied the Investigation For The Claim USPS And i did not do this transaction please help me resolved this problem TD Bank is Stealing My Money Off My Checking Account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A mobile deposit was made into my personal checking account and thus a bank hold was placed. 
This transaction took place on XX/XX/2018 for the amount of {$1000.00}. 
Noticing this bank error I called Chase to inquire why is a hold being placed on a check in an account where ( 1 ) there has NEVER been a non-pay deposit and ( 2 ) a deposited check routing number that had previously passed through my account?

Chase APOLOGIZED and released the hold immediately. 
In the mean time - ( 3 ) NSF occurred on XX/XX/2018 for items that presented against the account - when the bank hold error was placed. 
Spoke to XXXX in XXXX, OH. ( XXXX XXXX CST ) who was totally nasty from the onset of the conversation and refused to listen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-28
Company: Experian Information Solutions Inc.
State: AR
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:
THIS IS THE SECOND TIME MY IDENTITY HAS BEEN COMPROMISED. I DONT UNDERSTAND WHY THIS CONTINUES TO HAPPEN TO ME. PLEASE REMOVE THESE FRAUDULENT UNKNOWN ACCOUNTS FROM MY REPORT 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 2018-05-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
On or about XX/XX/XXXX, My concern is card issuers lack of comparison to the rate being charged to the rate to be charged for new applicants today based on the issuer 's pricing for new accounts. 
Further concerns ; their lack of compassion and consideration in following reasonable polices to give any help due to my Identity Theft crisis in XX/XX/XXXX, whereas my credit score to plummeted from XXXX ( GOOD ) to XXXX, ( POOR ) condition, as if overnight. Failure for Consideration for credit line increase to provide for balance transfers to slow down the rate of pay-down. This would be achieved by reducing the minimum payment ratio from 10 % of the balance outstanding to 5 % for example or by offering payment holidays. 
The rate increase and arbitrary charges for services without consideration for whether the factors that led the card issuer to increase your interest rate still apply. 
Card issuer proceeded down the path where factors that led to the increase no longer apply and failed to decrease my rate and follow reasonable policies in doing so. 
This behavior deprived me of ability to meet Hardships & Emergency financial needs during Family crisis at this time. My inability to qualify for access to reasonable lending leads me to predatory lenders which causes the need for me to seek & qualify for Credit card Debt relief and/or Chapter XXXX Bankruptcy methods. Have been a long time customer in good standing since approximately year XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am losing my home. My home became default for less than {$50000.00} dollars. I was trying to keep my property by way of loan modification or reverse mortgage. However, the current lender has not assisted me. So I have entered into contract to sell my home. All I needed was a postponement of the auction sale scheduled for XX/XX/XXXX until XX/XX/XXXX the date of my closing. The lender has declined. 
Please note that me " as is Value '' of my property is at least twice the debt that is owed on the mortgage. I don't want to lose my equity in the property at the auction. I received a payoff only good to XX/XX/XXXX. I requested another payoff but have not received it from lender. I never received a face to face with my lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: Bread Financial Holdings, 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:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft XXXX  Date of inquiry : XXXX  This is not mine.

2. Identity Theft XXXX  Date of inquiry : XXXX This is not mine.

3. Identity Theft XXXX  Date of inquiry : XXXX1 This is not mine.

4. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX  This is not mine.

5. Identity Theft XXXX Date of inquiry : XXXX  This is not mine.

6. Identity Theft 01 COMENITY CAPITAL BANK Account Number : XXXX This is not mine.

7. Identity Theft 01 COMENITY CAPITAL BANK Account Number : XXXX This is not mine.

8. Identity Theft XXXX Date of inquiry : XXXX  This is not mine.

9. Identity Theft COMENITYCBXXXX XXXX  Date of inquiry : XXXX  This is not mine.

10. Identity Theft XXXX XXXX  Date of inquiry : XXXX  This is not mine.

11. Identity Theft XXXX XXXX XXXX  Date of inquiry : XXXX This is not mine.

12. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX This is not mine.

13. Identity Theft XXXX Date of inquiry : XXXX  This is not mine.

14. Identity Theft XXXX Account Number : XXXX  This is not mine.

15. Identity Theft XXXX  Account Number : XXXX  This is not mine.

16. Identity Theft XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-12
Company: Bread Financial Holdings, Inc.
State: DE
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:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-01
Company: MARINER FINANCE, LLC
State: IN
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:
On XX/XX/XXXX, I mailed XXXX  a letter disputing 3 accounts such as : XXXX XXXX XXXX XXXX XXXX and Mariner Finance. On XX/XX/XXXX, I received a letter from XXXX in response to my dispute advising the credit items for XXXX and XXXX   XXXX has been deleted from my report, but Mariner Finance remains due to the company certifying the info. is accurate. So on XX/XX/XXXX, I mailed a certified letter to XXXX   requesting that they provide their Method of Verification, the name, address, and phone number of the person contacted regarding this alleged account, and any documents provided by the company, bearing my signature, showing that I have a legal binding contract with the company and that I am obligated to pay them the exact amount claimed in my file. To my surprise on XX/XX/XXXX, I received a response from XXXX advising they will not be reinvestigating my dispute because the creditor has already verified the accuracy on this account and they are claiming the info was obtained from a public source, such as a court or government office. They are also asking me to provide additional info to support my claim and then they will reinvestigate ; I don't have any information on this account because clearly I don't recognize this creditor which is why I sent my initial dispute and which is why I would like to see the signed contract by me with this company obligating me to this account and this exact amount claimed.

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 2018-12-21
Company: EQUIFAX, INC.
State: NC
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 very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete it ASAP as this is very exhausting. Nobody wants to grant me a loan because of this. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
my mother past away several months ago and her apartment was willed to me. After numerous attempts to resolve the transfer of mortgage to my name and a complaint being filed with this bureau. Bank of america had not reached out to me to state that the problem was resolved. I submitted the paperwork that XXXX XXXX told me to submit. After numerous attempts to contact Ms XXXX to see if paperwork was submitted properly I received no call back or any written corespondence. I was advised I had 60 days to submit the paperwork.After staying on hold for hours in order to reach someone at Bank of America no one was able to help me. Ms XXXX was left several voice mail that she never responded to.I am seeking to finally resolve this issue to have the mortgage transferred to my name which is legal right.

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 2019-09-12
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: DE
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:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On or about XX/XX/XXXX I filed a complaint against Amex for fraudulent hidden fees in connection with a 'Rewards Card '' issued by AMEX on behalf of XXXX . 

Without getting into the specifics of my original complaint, Amex agreed with CFPB to reverse the charges in the amount of {$13.00}. 

AMEX NEVER CORRESPONDED WITH ME TO ADVISE OF THEIR DECISION TO DO SO EVEN THOUGH, I NOW FIND THAT AMEX SENT AN ELECTRONIC FACSIMILE OF A LETTER ADDRESSED TO ME TO THE CFPB. 

I was unaware of the AMEX letter until just recently. I now have it. 

I went to use the card today, only to find that they have once again started the assess monthly fees. Fees were assessed on XX/XX/XXXX and XX/XX/XXXX beginning only days after they advised CFPB that they were reversing the charged. 

The letter says " we recommend using the balance of the card '' but fails to say that fees would be assessed even BEFORE I WAS AWARE OF THE FEE REVESAL Had American Express sent the letter to me in the mail for the price of a stamp, I would know that AMEX had taken action. 

Had American Express said in their XX/XX/XXXX letter ( which I now have from CFPB ) that fees would commence again in ONE WEEK, I would have immediately used the card It is apparent, from their lack of direct correspondence with me, that their end game was to just continue to assess fees of {$2.00} a month and once again XXXX out the balance and pocket the money. 

How dishonest can one company be?

To tell the CFPB ( not me ) that they were providing compensation, and then start, within seven ( 7 ) days of their notice, assessing fees once again. 

This is unconscionable and ought to be punished as a matter of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am trying to do several things, but online chat can't help, no online message center, and calling Citi billing XXXX when I don't know my old credit card number leads to Citi automatically hanging up on me. 

I replaced my old Citi card XXXX with a new one XXXX. I need information about recent purchases on the old XXXX card. Citi does not provide that information in a pdf format and I can't access the XXXX or XXXX formats on my computer. 

I want to : - pdf file of everything on my old XXXX card, so I can see why I owe XXXX - re-dispute the XXXX charge from XXXX. This dispute was resolved in XXXX 's favor - this is WRONG. 
- Was there a recent charge of XXXX, and if so, was the entire XXXX reversed, or was XXXX of it reversed?

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 2018-12-21
Company: Midwest Recovery Systems
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:
Saw on my credit report that there is a collection for {$970.00} but I don't know what it is for since I did not incur this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: PNC Bank N.A.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
Good Morning, My name is XXXX XXXX and was a co-signor on a Line of credit ( unsecured ) with another individual, XXXX XXXX. 

Th Bank Involved : PNC He and I used the LOC for business expenses associated with a Company we both owned at the time. 

However, this a personal LOC and not a business loan. 

The amount was {$150000.00}. 
Bank : PNC Loan number : XXXX Persons involved : XXXX XXXX ( co loan guarantor ) XXXX XXXX ( PNC VP Lending ) XXXX XXXX ( PNC VP Lending ) XXXX XXXX PNC co-signer XXXX XXXX ( PNC Branch manager XXXX ) In XX/XX/XXXX I left the co-owned company and filed suit against my business partner when I left. 

As the personal LOC was used for the business, XXXX XXXX used the Company to continue to make payments on the personal loan. 

Then, in XX/XX/XXXX XXXX XXXX entered into an Agreement ( without my knowledge, signature, or any form of written consent i.e. email notification, settlement agreement or anything ) with PNC to pay half the Loan off ( {$75000.00} ) and charge off the rest ( {$75000.00} ). 

Again, I never gave consent for any of this. I was then informed in XX/XX/XXXX that my credit report ( XXXX  ) had me listed on the loan with the charge off when I applied for a mortgage on a new home. 

It has been reported to the credit agencies that I was involved with the charge. 

I repeatedly attempted to contact XXXX XXXX and XXXX XXXX ( both from PNC ) involved with this charge off settlement I had no knowledge off. They NEVER responded. 

I filed a complaint with PNC and nothing was changed in my credit report. 

I also have a signed sworn affidavit ( which I am uploading to this complaint ) by XXXX XXXX that without XXXX XXXX ( XXXX XXXX XXXX knowledge or consent, I ( XXXX XXXX ) negotiated a reduction in the payoff amount line of credit with PNC bank, which PNC accepted My credit has now been ruined, caused by a unilateral action between PNC and XXXX XXXX without my knowledge or consent on an action that has materially harmed me in not qualifying for a home loan. Had I been informed or copied on emails Mr. XXXX and Ms. XXXX XXXX Of such negotiations I would have never agreed to this unilaterally executed Settlement. 

I contacted PNC XX/XX/XXXX for the last time and spoke to a XXXX XXXX who essentially told me to file with the CFPB. 

Furthermore I am uploading an email from XXXX XXXX to Mr. XXXX and Ms. XXXX agreeing to accept the Settlement offer which included the charge off without an email, call, letter to include and inform me of this action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: Lending Club Corp
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I am an investor with Lending Club and have been for 7 years. I want to withdraw the bulk of my investment ( {$3000.00} ) and transfer it into my checking account which is the original account that funded my investment however when I tried to do so on XX/XX/2021 I received an error message. Since that date I have called and sent Lending Club emails at least eight times and each time I get emails back saying my bank account is now attached. When I called to say it wasnt I was told I had to do it manually because 7 years was too long to keep my bank account active. Now every time I call and while on hold I get an email saying my bank account is attached but I still am getting the error message. Yesterday I left a voice message which hasnt been returned and sent an email stating that I was getting ready to file a complaint with the FTC but that also wasnt returned. I am beyond frustrated and do not know what to do. Can you help? 

I have emails that state when I started this process and several that state my bank account is attached but its not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: Experian Information Solutions Inc.
State: GA
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:
AROUND XX/XX/2021, AFTER DOING AN ANNUAL CREDIT REPORT PULL. I NOTICED THERE WERE ONE FRAUDULENT ACCOUNT REPORTING ON TO MY CREDIT REPORT. ONE IN WHICH IS " XXXX XXXX. ''. WHICH IS A VIOLATION ACCORDING TO FCRA ( 15.U.S CODE & 1681 ( A ) )!!!!!!!!!!!!! 

WE HAVE ATTEMPTED TO CONTACT THEM. HOWEVER THEY CONTACT TO REPORT THE FRAUDULENT ACCOUNT TO ALL 3 CREDIT BUREAUS AS ACCURATE AND REFUSE TO GIVE US INFORMATION PROOFING THIS FACT. NOW THEY HAVE STOPPED RESPONDING TO OUR EMAILS COMPLETELY EVEN AFTER SPEAKING WITH 3 OF THEIR SUPERVISORS. 
WE HAVE FILLED OUT AN IDENTITY THEFT AND CFPB REPORT WHICH THEY HAVE IGNORED THAT ALONG WITH MULTIPLE FCRA LAWS INCLUDING AND NOT LIMITED TO SECTION 609 WHICH ALLOWS US AS CONSUMERS TO REQUEST COPIES OF OUR OWN CREDIT REPORTS AND THE ASSOCIATED INFORMATION THAT APPEARS ON MY PLEASE REMOVE ACCOUNT IMMEDIATELY FROM MY CREDIT REPORT AS THIS IS A VIOLATION OF MY LEGAL RIGHTS. AS WELL AS ILLEGAL TO REPORT FRAUDULENT INFORMATION ON 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 2018-05-03
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
Under the FCRA, I request that LexisNexis immediately notify XXXX of the folllowing : That the bankruptcy Item XXXX is deleted from my LexisNexis file. And to provide me with a copy of said communication. Under the FCRA, I have the right to : - Request that LexisNexis furnish notification of the deletion of disputed information or a dispute statement to any person specifically designated by him who has received a LexisNexis consumer report for employment purposes within the past two years, or received a LexisNexis consumer report for any other purpose in the past six months ( twelve months for residents of Colorado, Maryland, and New York ).

Company response to consumer: Closed with explanation