BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-08
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2022 I was appointed by the XXXX XXXX Probate Court to be the Conservator of the Estate and Person of XXXX. XXXX XXXX. has two accounts with Webster Bank and does business at the XXXX, CT branch telephone # XXXX. I went to the bank as XXXX XXXX. 's conservator and they refused to give me her money. She has outstanding bills that I am under a legal obligation to pay. The reason for doing so is that my Certification of Conservator has an " XXXX '' at the end of my first name and my CT motor vehicle license does not have an " XXXX '', " XXXX '' as opposed to " XXXX ''. I am a practicing attorney and a XXXX in the XXXX of CT and this has never been a problem. ( if relevant I will tell how the XXXX got dropped from XXXX ) I have been a Conservator in many different cases and presented the same documents at every bank in the community, as well as the Dept. of XXXX XXXX and the other various XXXX and XXXX benefit agencies and organization. This has not been a problem ANYWHERE. XXXX has decided to NOT GIVE MS.J.L. her money. Their obligation to provide their clients with the assets they were entrusted to hold trumps any bureaucratic decision about the XXXX at the end of my name. My birth name is XXXX. PLEASE HELP!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-21
Company: Senex Services Corp.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I ask that the cfpb please help me to get the credit reporting agency. 
1, XXXX to please do what the FCRA and the FEDERAL LAW DEMANDS on section 609 ,1, a,1, of the FCRA where the reporting agency has to provide my origional signature on the consumer contract with in 30 days or be deleted from my report. I have tried to call Senex the creditor and they can not verify that this debt is mine by the signature and I submitted a formal dispute with XXXX and they came back with accurate but failed to provide me with any signature as the FCRA 609 demands and not suggests.

the report number is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On. A letter dated XX/XX/23 from Equifax it states they are unable to locate a credit file for me. How is this possible if they verified the following accounts as correct? 
This means they did not do an accurate and full investigation into my disputes and still reported them as accurate. 

These are the accounts they verified as accurate without doing an investigation : XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

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 2022-09-08
Company: LAKEVIEW LOAN SERVICING, LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX our mortgage payments increased by {$28.00} per month due to start in XXXX. We pay our mortgage on the 3rd Wednesday of every month prior to the due month ( ie payment XX/XX/XXXX is for XXXX mortgage ). Our auto pay bill payment did not adjust until the XXXX payment for XXXX mortgage, causing our XXXX payment to be short the {$28.00}. On the XXXX payment it shows the new payment amount due in XXXX. We were not aware of the underpayment and received no notification from the mortgage company ( XXXX sub serviced by XXXX XXXX ). It wasnt until late XXXX that I noticed that there was additional charges on our statements and my husband called to ask why. He was told we missed a payment and were paying in the rears. I called them again XX/XX/XXXX. I was then told that in XXXX the payment that was shorted {$28.00} was put into principal and the payment meant for XXXX was used instead causing us a late charge of around {$50.00} each month since. Now it shows our payment is late every month and in order to bring everything back forward we now have to pay an extra mortgage payment of {$1300.00} ( the adjusted mortgage ) and total extra charges added of {$200.00}. The most the mortgage has offered us is that they would remove up to 2 late payments of {$50.00}. This was all for being short one time of {$28.00} and not being notified so that we could pay that. I was on the phone with them for XXXX hour XXXX minutes, 5 people, 2 supervisors, and the 2nd supervisor hung up on me after telling me that I could not wait for anyone else to help and that someone would call me within XXXX  hours. I have not received another call as of today.

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 2020-06-22
Company: SYNCHRONY FINANCIAL
State: AZ
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:
I checked my XXXX XXXX account on XX/XX/2020 and had an inquiry from SYNCB National credit cards/ Airlines . I called synchrony bank and they were of no help and very rude. I want to file a complaint with synchrony bank, XXXX XXXX and XXXX, especially synchrony please.

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 2023-10-13
Company: Chime Financial Inc
State: PA
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/2023 in the amount of {$200.00} I tried to utilize an atm and the atm malfunctioned and did not dispense my cash. Since then I have spoken to my bank and been denied a claim XXXX times. I spoke with the store manager at the XXXX the atm was at and they couldnt do anything, spoke with XXXX XXXX, the bank the atm was and they cant help me either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE 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 got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-22
Company: Experian Information Solutions Inc.
State: TN
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:
Original Account # : XXXX XXXX Amount : {$1100.00} Original Account # : XXXX XXXX Amount : {$450.00} The above two ( 2 ) medical debts were deleted from my credit report with all 3 bureaus ( XXXX, XXXX, Experian ) as the collection agency, XXXX XXXX, was unable to Validate the alleged debts. It appears that these debts are now being collected by XXXX ( XXXX XXXX XXXX, XXXX ) on behalf of XXXX XXXX XXXX XXXX and RE-inserted on my credit file with all 3 bureaus ( again ) without validation. 
A Validation Request was sent to XXXX ( XXXX XXXX XXXX, XXXX ) via Certified Mail on XX/XX/XXXX ( delivered on XX/XX/XXXX ). I received a simple billing statement of the alleged charges which does not meet the FTC guidelines on what constitutes proper debt validation. I sent a second Validation Request via Certified Mail on XX/XX/XXXX ( delivered on XX/XX/XXXX ) and received the same simple billing statement. Again, this does not meet the FTC guidelines on what constitutes proper debt validation. 
These collection accounts remain on my credit file with all 3 bureaus ( XXXX, XXXX, Experian ) without Validation. 
Furthermore, XXXX ( XXXX XXXX XXXX, XXXX ) AND the Credit Bureau ( s ) did NOT provide me a HIPPA release that releases my medical information to them or an original consumer contract with my signature on it when requested. 
The Credit Bureau ( s ) failed to provide or respond to my request for proper Validation.

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 2022-09-08
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone -- I do not know who -- applied for a credit card in my name with JPMCB Card Services. JPMCB opened the account and I was notified about this probable fraud by Privacy Assist, to which I subscribe. I notified JPMCB that I never applied for a card with them and requested that they close the account permanently and note it as a case of fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My card had been on restriction due to suspected fraud and unusable for a couple of months. On XX/XX/XXXX my secured credit card deposit was released into my card balance for what I thought was my request after 45 months of on-time payments. I called to confirm ( XXXX ) and was directed on how to un-restrict my card and be able to use it again with another agent. A remaining balance of XXXX was informed to me by 2 CapitalOne agents that when I cleared would set my card to XXXX balance and I was only waiting for document verification to release my card access. Through a third party I viewed my credit and saw that my card was status closed. I called CapitalOne ( XXXX ) to resolve, he said he spoke with another agent that was more able to assist me and got transferred to the next agent ( XXXX ) without any notation, so she was confused and finally decided to share the truth, that my account was closed back in XXXX and apparently nobody wanted to inform me of this and I was provided false information in all previous interactions, which I feel was to coerce funds from me. I was lied to and am in a worse place because I was cheated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
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 contacted ACE Cash Express today and they stated that my debt has been sold to XXXX ... yet another company called me about the same debt called XXXX ... 

On XX/XX/2019 I received a phone call from XXXX at XXXX from some company attempting to get documents to me for a matter that they had no information about. I asked for the number of the company that is trying to send me documents and they gave it to me along with a reference number XXXX On XX/XX/2019 at XXXX XXXX I called XXXX and gave them ( XXXX  ) my reference number XXXX and they stated Okay. So what I'm showing here, Mr. XXXX, is you are currently being pursued for breach and fraud of a contract that you had with ACE Cash Express. And it's looking like when executing the terms of repayment, you violated the binding contract with that company. Are you because of that? 

Please communicate in writing only do not call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Experian Information Solutions Inc.
State: CA
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:
All requests took over 30 days to resolve. XXXX, XXXX and Experian all report my student loans twice. They report the balances as late when the student loans have been discharged completely due to XXXX discharge. I owe no balances, yet they double report the accounts as closed but late. The payments are not late and never had been because I didn't have to pay them back, per agreement with XXXX XXXX XXXX. Reporting the information twice brings down my score by hundreds of points, yet I owe no money so there's no way to repair this. Action Taken : Signed up with XXXX XXXX XXXX to correct the reports ( still received no response after 60 days ) Have submitted multiple disputes, only to have them closed within 48 hours with little to no explanation of any action taken. All three bureaus are quick to offer " credit boost '' type services, or some option to pay them to review and improve my score for a monthly charge. All three bureaus report one score to me when I obtain a consumer credit report, but another lower score to creditors. Sometimes they report entirely different low scores to different creditors. For instance, I applied for medical credit and XXXX reported my credit score as XXXX to the creditor I applied to, then reported the credit score to me as XXXX ( in spite of the XXXX student loans with no balances... I owe less than $ XXXX in debt, I shouldn't have a score in the toilet like this ). They later reported to another creditor ( a credit card company I applied to ) that my score was XXXX ... .on the same day as I applied for the medical credit. So is my score XXXX, XXXX or XXXX? Or should it be higher because I have very little debt. Even with a bankruptcy in 2019, I should have some improvement to my score ( as I have seen others receive ) after 4 years of diligent repayment of debts and attention to my report, without incurring more debt. All three bureaus are not held accountable for what they report, and no one can even know how or what criteria they use to calculate the score. And they then try to package their basic duties ( reporting, disputes, etc ) as a paid service with an offer to " improve '' or " boost score '' if the product they sell is purchased.

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 2023-10-12
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
During several months in XXXX, I have contacted the credit reporting agencies with various inaccuracies on my credit file. The agencies have not resolved the errors at all and just list erroneous comments that should all be removed. 
. 
In accordance with the fair credit reporting act the following companies have violated my rights by listing multiple inaccuracies on my credit file : XXXX XXXX XXXX XXXX ( account # XXXX ) - Is listed on my credit without my consent. Service was never rendered and equipment returned. The status and comments are inaccurate and should be removed. 
XXXX XXXX ( account # XXXX ) - The status is not derogatory and comments are inaccurate and should be removed. This account was sold to another lender. 
XXXX ( account # XXXX ) - The open account dates are inaccurate. The account was closed. The status and comments are inaccurate and should be removed. 
XXXX XXXX ( account # XXXX ) The status and comments are inaccurate and should be removed. The car was returned and no balance is due. This finance company is involved in predatory practices and engages in constant harrassment. I was listed as a cosigner without my knowledge. 
XXXXXXXX XXXX ( account # XXXX ) - The status and comments are inaccurate and should be removed. This XXXX XXXX has another name listed on the account. This financial institution engages in constant harrassment tactics. 
. 
XXXXne or more of the following FCRA laws have been violated : >> 15 USC 1681 section 602-A states that I have the right to privacy.

.

>> 15 USC 1681 section 604-A section 2 states that consumer reporting agencies can not furnish an account without my written instruction or consent.

.

>> 15 USC 1681i - Procedure in case of disputed accuracy states that inaccuracies must be removed if inaccurately reported, for any and all reasons. I have provided multiple reasons and inaccuracies.

. 
>> XXXX XXXX address should be listed on my credit file : XXXX XXXX XXXX XXXX XXXX, IL XXXX ( and no other address should be listed. Only on phone number should be listed on my credit file : ( XXXX ) XXXX ( and no other phone number ).

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 2022-10-22
Company: Google Compare Credit Cards Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I purchased two Google XXXX XXXX XXXX over the last two weeks, one for {$10.00} and one for {$15.00}. When I attempted to redeem the cards, I got an error message and a prompt for " more info. '' The first time, I got a reply from Google that is meaningless garbage about my account or card not being eligible for appeal. I'm sure that this is going to happen again. 

I want {>= $1,000,000} cash to recompense me for my time, stress and aggravation of dealing with this, {$50.00} to recompense me for the money spent on these cards and an explanation on what their response even means, because being told my account or the cards are not eligible for appeal tells me less than nothing other than that Google is attempting to commit fraud and hide behind flimsy excuses to perpetrate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15
Company: CL Holdings LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A Subsidiary to CL HOLDINGS LLC by the name of JXXXX XXXX XXXX , XXXX   has placed a debt on my credit report. This report is inaccurate and I have attempted to contact XXXX XXXX XXXX for debt verification as they have never contacted me. They have never responded with information regarding this debt and have yet to remove this from my report. The account looks to be tied with XXXX XXXX. However, I have not had an account with XXXX XXXX since XXXX ( which I had closed with a balance of {$0.00} ). The report states this account was opened XX/XX/XXXX. XXXX XXXX XXXX seems reluctant to remove frivolous, unsubstantiated claims of debt and is damaging my credit without cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
, there is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be BLOCKED and DELETED. My request to block is not being made in error ; nor is my request to block is being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 
The identified transactions are not information related to any transaction by me as the consumer. 

Based on 15 U.S Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of the receipt It has been 30 days and you are in violation of this law because I am a victim of identity theft! please delete these items as soon as possible! 

These accounts and inquiries should not be furnished on my consumer report as they are in violation!! Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. 
I never gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

PLEASE DELETE THESE ACCOUNTS IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX PLEASE FCRA law 15 USC 1681 I have not given written permission to put anything on my credit profile have violated me pursuant to 15 USC 1681 B the permissible purpose of Consumer Reports you have no permissible purpose by law to contact third parties with my private and personal information your offenses amount to aggravated identity theft pursuant to title 18 USC felony punishable 1028A in addition to civil liability up to {$1000.00} per violation you are also in violation of XXXX5 USC 1692 my instructions are for you to delete these accounts immediately. 
PLEASE AND THANK YOU.

Company response to consumer: Closed with non-monetary relief