BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-06
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I noticed two fraudulent charges to my checking account, one for {$18.00} at a XXXX in XXXX, GA, and one for {$1000.00} at a XXXX XXXX XXXX XXXX in XXXX, GA. I still have my debit card associated with this account. I reported the fraudulent charges the evening of XX/XX/XXXX, my bank cancelled the card, and mailed me a new one. The bank stated nothing could be done until the charges posted to my account, and I should call the businesses to see if there was anything they could do in the meantime. The following morning of XX/XX/XXXX, I called XXXX and was told there was nothing they could do. I called XXXX 's XXXX XXXX and spoke to a manager named XXXX, he stated he was the one who ran the transaction the previous day. He stated the guy had a physical card with my card number and expiration date on it, a different name and CVV code, and a driver 's license that matched the name on the debit card. He also stated the card was run as a credit card, the guy signed for it, and the name listed on the receipt was the same as the name on the card and driver 's license. I informed my bank of the information. The charges did not post to my account until the morning of XX/XX/XXXX, at which time I called my bank and an official claim was started. I was advised that the process could take up to 10 business days. After 9 business days I had not heard anything so I contacted my bank on the evening of XX/XX/XXXX. They stated, " I have reviewed your account and our records show that your claim in the amount of {$1000.00} & {$18.00} has been reviewed and resolved. Our records show that the claim was unsuccessful because there was no indication of fraudulent activity with the transaction. '' My bank was closed the following day for XX/XX/XXXX. The morning of XX/XX/XXXX I made contact with a social media representative, XXXX, of my bank. She asked for me to direct message her my phone number and she would be in touch with me. The morning of XX/XX/XXXX I received a call from XXXX, she transferred me to the fraud claims department at my bank. After telling them again I did not make the two fraudulent charges, they reopened the claim for further investigation. I was told the process could take another 10 business days. I filed a police report in XXXX County ( the area in which the fraudulent charges took place ) with the above information. I then filed a police report in XXXX XXXX County ( the area in which I reside ) with the above information including the case number of the other police report. I went to my nearest bank branch and asked them attach the two police reports to my claim. I have yet to hear anything from my bank concerning a resolution or any actions taken.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-10
Company: Netspend Corporation
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I disputed a unauthorized transaction with NetSpend All access in the amount of {$200.00} and zero cents. I was notified by the dispute department by email to write a letter of dispute within 10 business days to the department requesting the credit back to my card. I did that. I received a email after that stating that I have until the XXXX of XXXX to receive this credit back to my account. On XX/XX/XXXX I was notified over the phone by NetSpend that my dispute was closed and that they do not find any error with the the transaction. Stated that the transaction was valid and that a full investigation was made and they believe that because the transaction was made at a known merchant of mine and because I didn't change my pin before this happened that the transaction was valid and they are not issuing the credit back to my card. I called the same day of the incident and reported that my card was used and I do not recall and did not authorize the transaction. I said that " IT WAS NOT ME MADE THE ATM TRANSACTION ''. I was told that I will get help and this charge will be disputed, and on XX/XX/XXXX I was told that I can not receive my money back because NetSpend feels like there was no error found. I believe that if I call and say my card was stolen and I did not make this transaction, that is a error that needs corrected. NetSpend did not correct this error and their reason was because I have used that mechant before. I am desperately trying to recover the {$200.00} that was stolen from me and it is so not fair that my money was taken and NetSpend will not do what needs to be done to give it back. I am filling a complaint on the dispute because I know in my XXXX for a fact that NetSpend All access is wrong. If my money was wrongfully taken from me and I reported this in a timely manner, there is no reason why I shouldn't get it back. I did not receive a copy of the investigation that was supposed to be sent to me by mail and email. The supervisor I spoke to was vXXXX XXXX I was hung up on twice. I am completely feeling robbed with out any answers, this is very hurtful, I've gotten sick during the fight for my money back and I'm tired. Can someone from this Company please reach out and help me. This is my first time having to file a complaint with the cfpb.

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 2022-01-10
Company: Porania, LLC
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:
So i was forced to file Bankruptcy do to the fact that my father information was attach to my credit. His name and mine is very close. but on the credit report it had his creditors his date of birth and his address. I did dispute but my credit has not got pass XXXX and each time it get to the point that maybe i can buy a house or purchase a vehicle that im in need of it drops. I've been trying to get it off my credit because if i was told the only way i could get his items off was to file. It showed that they weren't mine. i tried to fight it. i called the lawyer but he never reply. i think it isnt right do to the fact that i had a trach it made me handicap..this bankruptcy with XXXX balance from the beginning because the accounts wasnt my creditors

Company response to consumer: Untimely response
Consumer complaint received 2022-08-10
Company: EQUIFAX, INC.
State: DE
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:
So I sent a letter on XX/XX/XXXX to remove personal information that i do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802 No one has my permission and I do not do business with these companies. 15 USC 1681 ( n ) These are clear violations to my protected consumer rights

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
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: Public record information inaccurate

Complaint:
XX/XX/2020 I notified XXXX XXXX that I was being impacted by COVID pandemic, and had spoken with a representative regarding the federal forebearance program. At this time, XXXX XXXX accepted my hardship and into the forebearance program, that my payments were suspended. I continued to communicated the request for extension. until late XXXX. On XX/XX/XXXX, my situation became better, and I went back into the workforce. I contacted XXXX XXXX to let them know i was prepared to get the account back in order. We discussed the options and I was put into a loan modification that put the old missed payments at the back end of the loan. 
Since then, I have been making more than the minimum payment due and on time, as my credit report will confirm. 
Recently, my financial situation has turned for the better, and I have also outgrown my home with my family and went to apply for a mortgage but am having a terrible time because the way XXXX XXXX reported my forebearance has had a negative impact. The underwriter for my new mortgage request has stated that the way it is reflecting on my credit is as if I just stopped making payments. This was not the way the Federal Forebearnce was intended to be rolled out and now I am suffering because of the inaccuracy on my report. 
I have contacted XXXX XXXX who states that there was no negative reported on my credit report, that the agreement was they would not make any reporting on my credit whatsoever ; however, the verbiage on the comments of this item states loan modification and does NOT state the forebearance. 
I need this rectified because my career is growing and I may need to relocate and I will not be able to purchase a home or be extended any further credit because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint:
I have a recently opened credit card with Citi.
It is an AAdvantage MasterCard.
As you can see from the attached, I have a revolving credit limit of {$5000.00}, of which {$1500.00} can be used for cash advances.
Fine.
I went into the bank for a {$1000.00} cash advance on Friday,XX/XX/XXXX. I wanted a cash advance for the very long, XXXX XXXX weekend. I was declined.
I spoke with a bank employee, very friendly, named XXXX XXXX She called the banks " back office '' in XXXX ( XXXX XXXX XXXX ) and spoke with XXXX, and was told two things.
First, there had been fraudulent charges on my account. Second, I could only make my cash advances in some kind of increment and, after 45 days, could take {$1000.00}.
I told XXXX that if there had been fraud on my account, then why was n't I notified. XXXX was told that the phone number for me could not be validated. My phone number is XXXX XXXX XXXX and is the exact same phone number that I used to open the account.
This would not do. I would have to give them another number - one that could be validated - and they would leave me a message there. I gave them my home phone number and, in fact, they left me a " code '' at that number. The code was XXXX. I was to call the " back office '' myself, give them that code, and then I should be " ok '' to take my cash advance.
The long weekend has passed.
However, on Wednesday, I went back to the bank with my code. I was unable to speak with XXXX and instead spoke with XXXX XXXX. Also very friendly.
We called the " back office '' again with the code. XXXX confirmed what had occured and passed the phone to me. I confirmed that there had been no fraudulent charges on the account. There were no fraudulent charges on the account.
Fine. I was ready to go to the teller window and request my cash advance, according to XXXX in the back office.
I went to the teller window for my cash advance and was declined.
I went back to XXXX He and I were both perplexed.
Called the " back office '' and XXXX spoke with XXXX. XXXX explained to XXXX  that I can only take out increments of {$500.00} and no more. He also explained to XXXX something about a 45 day hold, etc.
I asked XXXX after he had been on the phone with them for a while, what was going on and did he understand what they were talking about. No, he said.
So, long story short, I need to understand from the bank why I could n't take out a {$1000.00} cash advance when everything that I 've gotten from them says that I can.
I have included a recent email from XXXX XXXX telling me that my credit is excellent, by the way.
Your help with this is very appreciated. I can get no answers from the bank.
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 2021-03-08
Company: Westlake Services, LLC
State: SC
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:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.

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 2021-08-23
Company: Resurgent Capital Services L.P.
State: NV
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 sent these creditors debt validation letter 30 days ago asking for your company to provide me with proof that I own this debt, and these companies has failed to respond. I then looked at my credit report and noticed that these creditors are still reporting this inaccurate account on my credit report without validating it. The law is clear on this issue, you cant continue report a disputed debt if they failed to validate. Because of their actions, they have violated the FDCPA act which carries a fine of {$1000.00} for every incident, and FCRA for reporting inaccurate information on my credit. This violation also carries a fine of {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: Caliber Home Loans, Inc.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have submitted a requested a mortgage modification with financials to Caliber Home Loans. I have a 1st and 2nd mortgage with them. My interest rate adjusting out frequently has put my family in a hardship, I have requested a fixed rate mortgage payment. I was recently denied because they stated I have excessive debts. The only debts I have is my mortgage payment. This is incorrect information my income does allow me to pay a mortgage payment. I feel I'm being discriminated against because I'm XXXX I want to keep my home. Please Help!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Experian Information Solutions Inc.
State: OK
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 XXXX XXXX  XXXX Acct # 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 an 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 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Ive labeled each section of inquiries according to which bureau they are being reported on below. Approximately two weeks ago I filed a dispute with the credit bureaus to have unfamiliar inquiries removed from my credit report. Most of the inquiries listed in my dispute letter were removed but for some unexplained reason others were not. Below are the remaining inquiries I need removed. These inquiries are spread out across the three major credit reporting agencies transunion, XXXX, and XXXX Thank you for your time and efforts, its very much appreciated. 

TRANSUNION XXXX XXXX - XXXX XXXX, XXXX XXXX XXXXXXXX XXXX - XXXX XXXX, XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX- XX/XX/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 2021-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Hi I am currently a working professional who went through a financial hardship while I was in college. During the fall of 2017 I was accumulating credit card debt and was struggling to make some monthly payments. I received 90 day past due email notifications and daily phone calls of my credit card accounts going delinquent from XXXX XXXX  of whom I had my credit cards issued from. They suggested that I enroll in a debt repayment/consolidation program through their third party XXXX XXXX to help alleviate the payment burden. I enrolled, and the XXXX rep informed me that this will bring your account current as long as I made payments through them. 

From the onset of making the first payment via XXXX XXXX, the late payment notifications stopped both via email and phone calls. I continued to make payments for the next three years ( see attached ) via XXXX XXXX and never missed a payment. A few months ago I ran a credit history report and saw that XXXX reported 29 missed payments for the cards that I was enrolled through the program. This shocked me as I was under the impression that I was up to date with paying down my debt. Having these missed payments on my credit report was detrimental to my goal of building back my credit. There was a missed payment that was getting carried over month to month from XX/XX/2017 which was hurting my credit score. I was never notified of this from either XXXX or XXXX XXXX. Per XXXX policy " missed payment of 60 days or more XXXX will begin physical mail, email, and phone communication notifying consumer of a missed payment. '' I received neither mail, email, or phone notification. In addition to this, the credit report for the missed payments shows 60 days past due for over 2 years which is a glitch/error since a true missed payment would upgrade into 90day-120 day status over that time period. I contacted XXXX about this issue and even escalated it to their executive branch. They insisted there was absolutely no fault on their behalf and were not willing to remove the missed payments. I even pointed out that I received no communication from them about my account not being current but my statement was ignored. After the phone call had ended, I magically received an email from XXXX for the first time in over 2 years that my credit card payment for that account was past due. This upset me even more but I made the payment to bring the account current. Today I paid off both cards via XXXX XXXX through a lump sum payoff.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I tried to open a bank account and she informed me there was a security freeze. I have provided a copy of my driver 's license and ss card for identity verification.

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