BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-16
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I filed a complaint against Fifth Third Bank last month because they charged me a {$25.00} service charge on a checking account with a XXXX balance. I just received a letter from Fifth Third stating my savings account was overdrawn by {$5.00}. This account has had a XXXX balance since XX/XX/21 and the service charge was applied on XX/XX/21. Just like the checking account issue Fifth Third 's online application does not appear to have a feature that allows a consumer to request the account be closed. 

Clearly Fifth Third has automation routines that create these overdraft notifications, they should also use automation to stop applying service fees on XXXX balance accounts instead of relying on consumers to go through a notification process to have these charges reversed. That would be a " Fifth Third Better ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I submitted a dispute via certified mail on XXXX XXXX 2017 to all 3 credit bureaus : XXXX, Experian, and XXXX. I disputed two accounts, XXXX XXXX and XXXX XXXX, stating I was no longer liable and requested they be removed from all three credit bureaus. I received notification from XXXX stating the accounts in questions were deleted from my credit file. I have also received notice back from XXXX were they are stated the information was verified, but not validated. I have not received any proof of the verification or validation regarding these disputes from XXXX  I have not received anything from Experian regarding this dispute and it has been over 30 days. I contacted Experian about the disputes and the rep stated she did not see where it had been submitted and for me to do it online or mail it in. I advised the rep that I had also faxed information, but she stated she did not see that information and maybe I needed to upload it. I have copies of all the disputes that were sent to all 3 bureaus and a copy of the certified receipts and the results from XXXX stating that these accounts were removed and deleted.

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 2017-09-29
Company: McCarthy, Burgess & Wolff, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
i have been geeting several calls from them all day everyday i even tried contacting them about it. i recently disputed XXXX with another debt collector because the bill was never as high as it is now i only owed {$1000.00} now its almost {$5000.00}. i refused to pay that much. XXXX XXXX XXXX  disputed it for me because i told them how bad service was about all the payments i tried to do and how XXXX also told me i wouldnt have any early termination fees because my contract was about to be over and just leave the lines suspended because they werent in use but now its a whole other story i tried telling people that at mbw and they gave me a line of XXXX. i also told them another debt collector was trying to collect from me at the same so they said they were gon na dispute it and never did now theyre saying its to late to dispute it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Step 1 : What is this complaint about? XXXX XXXX once XXXX requested proof of insurance.

Step 2 : What type of problem are you having? Company issued threatening letters to me during the Coronavirus time of duress because it did not have proof of insurance. Once I produced proof of insurance, I called the XXXX  insurance department and complained about the threatening letters and threatening tone of the letters. I indicated that many other financial companies are issuing refunds, returning premiums and essentially being kind to their respective customers during the CoronaVirus time of duress. I asked if the company representatives were aware of the news and requested that I be contacted by a supervisor and receive an explanation and an apology. I haven't received any communication from the company other that XXXX providing a letter indicating that it receved proof of insurance. I want an explanation and an apology. 

Step 3 : What happened? Company issued threatening letters to me during the Coronavirus time of duress because it did not have proof of insurance. Once I produced proof of insurance, I called the XXXX  insurance department and complained about the threatening letters and threatening tone of the letters. I indicated that many other financial companies are issuing refunds, returning premiums and essentially being kind to their respective customers during the CoronaVirus time of duress. I asked if the company representatives were aware of the news and requested that I be contacted by a supervisor and receive an explanation and an apology. I haven't received any communication from the company other that XXXX providing a letter indicating that it received proof of insurance. 

Step 4 : What company is this complaint about? Threatening tone of communication to its customers and degrading tonality in XXXX written communication. Lack of awareness that the country is in a national emergency and apparent refusal to adapt processes and procedures like many other financial firms have done. 

Step 5 : Who are the people involved? XXXX  XXXX C/O PHH Mortage Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: EQUIFAX, INC.
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:
I am a victim of identity theft There has been a breach of my personal information as : Credit card accounts, multiple cell phone accounts, an installment loan, and credit inquiries have been placed on my credit reports and has ruined my reputation with certain businesses. 

Equifax is reporting information about two XXXX XXXX Accounts that simply not mine and are the result of identity theft. 

XXXX is reporting information about two XXXX XXXX Accounts that simply not mine and are the result of identity theft. 

XXXX is reporting information about two XXXX XXXX Accounts that simply not mine and are the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-13
Company: LendKey Technologies, Inc.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I have submitted forbearance requests and reduction in payment until I am able to secure employment. I recently graduated for college and received forbearance for both my federal and private loans. Lendkey is the only servicer which will not allow for a reduction in payment while I interview for employment. The document log is listed below with dates. I have not received written confirmation of approval or any indication that a temporary reduction of payment or no payment is possible. 

KCE-3137 EnrollmentCertificate XXXX.pdf ( uploaded XX/XX/XXXX ) Forebearance app.pdf ( uploaded XX/XX/XXXX ) XXXX XXXX_Forbearance AppXX/XX/XXXX.pdf ( uploaded XX/XX/XXXX ) XXXX_XXXX_Forbearance_KCE_3137.pdf ( uploaded XX/XX/XXXX ) XXXX_XXXX_KCE_3137.pdf ( uploaded XX/XX/XXXX )  XXXX_XXXX_KCE_3137 corrected.pdf ( uploaded XX/XX/XXXX ) FA_Supporting_Document_1_179955b153c607_XX/XX/XXXX ... ( uploaded XX/XX/XXXX ) ForbearanceApp_XX/XX/XXXX3_16e9174a179955.pdf ( uploaded XX/XX/XXXX ) FA_Supporting_Document_1_1799559aad6df0_XX/XX/XXXX ... ( uploaded XX/XX/XXXX ) FA_Supporting_Document_2_1799559cea562b_XX/XX/XXXX ... ( uploaded XX/XX/XXXX ) ForbearanceApp_2019XX/XX/XXXX_b19db8d2179955.pdf ( uploaded XX/XX/XXXX ) FA_Supporting_Document_1_179955eed800a2_XX/XX/XXXX ... ( uploaded XX/XX/XXXX ) FA_Supporting_Document_2_179955d8c53a4fXX/XX/XXXX ... ( uploaded XX/XX/XXXX ) ForbearanceApp_2019_10_13_23_16_33_5e6c2da9179955.pdf ( uploaded XX/XX/XXXX ) PRW-8655 FA_Supporting_Document_1_1799559aad6df0_XX/XX/XXXX ... ( uploaded XX/XX/XXXX ) FA_Supporting_Document_2_1799559cea562b_XX/XX/XXXX ... ( uploaded XX/XX/XXXX ) ForbearanceApp_2019_09_13_19_48_16_b19db8d2179955.pdf ( uploaded XX/XX/XXXX ) FA_Supporting_Document_1_179955eed800a2_XX/XX/XXXX_2 ... ( uploaded XX/XX/XXXX ) FA_Supporting_Document_2_179955d8c53a4fXX/XX/XXXX_2 ... ( uploaded XX/XX/XXXX ) ForbearanceApp_XX/XX/XXXX_16_33_5e6c2da9179955.pdf ( uploaded XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
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: Personal information incorrect

Complaint:
Hello, i am not employed with XXXX XXXX XXXX. I do not even live in Michigan. I would like that to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: EQUIFAX, 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:
I am a victim of identity theft. There are multiple fraudulent accounts on my credit profile from various companies like XXXX XXXX, XXXX XXXX XXXX, and XXXX CARD SERVICES. I demand that all negative/adverse fraudulent accounts are immediately and permanently deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
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:
In XX/XX/2018 my identity was stolen, someone used my personal information to obtain credit under my name. I have resolved all those accounts but recently pulled my credit report and found inaccurate collections accounts on my credit report. The accounts appear to be medical bills which I haven't been to a doctors office or emergency room in years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-12
Company: EQUIFAX, INC.
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found on equifax fraud i reported it when i get the results from the claim it wont let me view it for over a month know i have tried thru the computer and thru the phone to get the matter resolved. Know i called again after being hung up on 3x i get what claimed to be a manager that is telling me to FAX THEM MY BIRTH CERTIFICATE SOCIAL SECURITY CARD LICENCE DATE OF BIRTH AND PROOF OF ADDRESS. Isn't that the most insane thing you ever heard of I have fraud already on my credit report and they want what can for sure cause more fraud then you can ever picture. this matter needs to be resolved this is crazy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: CITIBANK, N.A.
State: KS
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:
Hello, I opened a credit card with CBNA/Best Buy in XXXX, XXXX which due to financial difficulties was charged off in XXXX, XXXX. Fast forward to XXXX of XXXX ... I got a notice that I have a new delinquency on my XXXX, XXXX and XXXX credit reports and when I checked, it was CBNA changing my account status from charge-off XXXX, XXXX to closed and 180 days late which took my credit score down almost 70 points. Since this time, I have disputed this information XXXX times ( XXXX ) with each major credit bureau and have used all resources available to me to get the information for this account to be corrected to no avail. Every month, CBNA reports the account open briefly, then closes and sets it 180 days late it which shows this account as a new and delinquency when in fact, it is several years old. I feel this is being done to intentionally and maliciously drop my credit score. My credit report clearly shows a change from charge off status to 180 days past due every month and I have not been able to get CBNA or any of the three credit bureaus to fix this incorrect information. Any assistance or direction to assist me into forcing CBNA to report my account history accurately and to desist their intentional disinformation would be greatly appreciated. Thank you.

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 2017-07-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon discovering this debt on my credit report, I disputed through each of the credit bureaus multiple times. It had only been removed from XXXX through that method so I then made direct contact with Portfolio Recovery by letter to dispute the debt. I have asked for validation of the account and each time I have received nothing back but a statement of charges. This does not validate the debt as mine. I also have never entered into any kind of contract with Portfolio Recovery and am not obligated to pay them. On XX/XX/XXXX I submitted a letter to Portfolio 's Dispute Department via email to XXXXXXXXXXXX. I asked them to provide me with any and everything that would prove that the debt is mine, including a copy of the written agreement that created my original requirement to pay. <P/>I later received a letter dated XX/XX/XXXX stating that " PRA, LLC has obtained and reviewed the attached documents related to this account, which establish its validity. '' The only documents attached were copies of some account statements showing the charges. There was nothing indicating that the debt was indeed mine. <P/>I disputed the account directly again on XX/XX/XXXX. <P/>On XX/XX/XXXX I received the same exact letter and statements as I did after the last dispute. Again, nothing validating the debt as mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Enhanced recovery contacted me with intent to annoy. Company never sent out a dinning letter, with a right to dispute. I had to communicate back with XXXX to get matter resolved. I received calls and it was beyond annoying and affected my job performance. Companies such as enhanced recovery should be barred for their practices. It is not ethical at all. I will be uploading documents within the next 10 days.I also ask for copies of the letter sent along with the dates of communication as well as the phone number. <P/>Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THE LIST OF ACCOUNTS BELOW HAVE VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 

XXXX XXXX XXXX, XXXX XXXX XXXX BANK XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A. SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2020-02-21
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: Information belongs to someone else

Complaint:
On my Credit Report ( see attached ) : Former Address ( es ) 1 ) XXXX - It shows that I lived in Louisiana, XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX, which is not correct. All my life here in the United States, I've only lived here in XXXX XXXX County California area. 

The Following AKA ( s ) were reported 2 ) Experian - I have an AKA on my report as : which is totally not me. 
XXXX, XXXX 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 non-monetary relief
Consumer complaint received 2017-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
On the week of XXXX XXXX I spoke to XXXX XXXX XXXX with XXXX XXXX XXXX, XXXX and she told me that after I take care my account with them they would update my credit report reflecting my account is closed and have a XXXX balance and is paid and satisfied and also mail me a letter stating that as well after XXXX business days they receive payment. On XXXX XXXX I made payment like we agreed and called to follow up on XXXX XXXX since I noticed information and remark that was added on my credit reports from XX/XX/XXXX that is not accurate. I spoke to account manager XXXX XXXX who stated that she would have to pull the recorded message so she can verify that the information I gave her were true. After she obtained the VM to verify she said XX/XX/XXXX will update my account to reflect that my balance is " XXXX '' and that my account is closed and paid and satisfied as agreed.

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 2019-01-28
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:
XXXX credit reporting a " charge off '' account XXXX {$32000.00} limit ) on my credit report for a credit card that does not belong to me. I was only an authorized user on this account. I have repeatedly asked that this be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-06
Company: EQUIFAX, INC.
State: AZ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This is the second time I am complaining about a company who has victimized me and made false statements to the Credit bureau that I have 30,60,90,120 days late on payments when I have not been late but once last year due to a medical hardship which was only one month which I made an additional payment of. The company, XXXX , XXXX, has abused my civil rights by constantly causing a drop in my credit score which I have worked very hard on for the past 7 months so I can buy a home.
In XX/XX/XXXX I  took a loan of {$1300.00} from them and continued making {$59.00} payments and they continue changing their policies and now say I owe them {$1000.00}. This has been going on for 2 years of payments and abuse from them. I am contacting the Attorney General in my state as well as a Senior Legal Firm next week.
On XX/XX/XXXX I called them to make a payment and was told my account was in collections because I did not pay XXXX and XXXX payments on the XXXX of the month. My payments were made on the XXXX of the month from XXXX arrangements with XXXX, but was refused the payments as legit and told early payments do not count. This is the kind of games they have played since the beginning of the online contract.
Every time I call them, a foreigner with a XXXX accent tells me a new thing about the account and keeps me so confused I do n't know what they are doing other than victimizing me and scamming me for more money, and as far as I know they are not a payday loan company and do not advertise as one. I need help to solve this outrageous scam.

Company response to consumer: Closed with explanation