BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-12
Company: Experian Information Solutions 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:
FCRA Violation : address not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation XXXX credit card not mine XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$1100.00} FCRA Violation : student loan not mine U XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation XXXX collection not mine XXXX XXXX XXXX {$870.00} FCRA Violation : hard enquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-09-24
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Have had a claim open since XXXX for a charge regarding a laptop that never came and I was never refunded for. Bank is telling me I must wait up to 120 days to get a update on whether i am getting my money back. Clear violation of regulation e as it has been more than 10 business days so a credit must be applied. Spent over 10 hours XX/XX/XXXX and XX/XX/XXXX on the phone with representatives who did not help or give me any updates.

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 2023-10-03
Company: CITIBANK, N.A.
State: AR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Charges were made to my XXXX XXXX without my knowledge or consent. Also a Citi bank diamond preferred account was opened in my name without my consent or knowledge

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 2023-09-29
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Chase bank decides to part way from me for absolutely no reason at all. I love this bank but after my account was negative for a few days which i had a deposit on the way they decide to terminate my account never letting me open a new one ever in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Midland Credit Management is attempting to collect on a debt not owed. Midland Credit Management They bought this from another debt collector. I do not owe {$1100.00} to Midland Credit Management. They are fabricating a debt. I have never done business with them. This is being recycled to various debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Upgrade, Inc.
State: CA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XXXX my upgrade card number was duploicated and used at a XXXX over 8 hiyrs away from were I was at that time. There were 3 withdrawals made. They refunded the account fees but the the funds that were withdrawn fraudulently. There representative is the one who informed me that the card number was duplicated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Real Time Group, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
An intent to foreclose with a settlement amount of approximately $ XXXX was received in XX/XX/2023. An application for loss mitigation was submitted on XX/XX/23 with a request to settle for less, I had to follow-up several times as I had not received a response. Reached out again when it was close to 30 days ( the notification timeframe required by RESPA ) and was told that my application was received on XX/XX/23 and that they had 30 days to provide a decision, however, the application was received by them on XX/XX/23 via email. on XX/XX/23 ( 36 days after receipt of the application ) I receive the list of options from Real Time and after only two months the amount to settle was raised to {$240000.00} almost $ XXXX more than the original balance. Also, the property value they used is exaggerated. I requested clarification as to what the additional amount of payoff consisted of. 
Additionally, right before the pandemic started, I had a list of options from Real Time to settle the loan which after speaking with a representative, I was assured the options were valid until a month later. as I was getting ready to get the funds together ( via XXXX withdrawals and other loans ), I was told the amount was no longer accurate and that the investors wanted more money. This company 's practices are unfair, deceptive, and abusive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: DigniFi
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The leadership for car put me in touch with Dignifi when I purchased the car for the down payment {$4000.00} I used {$3500.00} they said I had to pay by the next six months after that they will charge me interests on XXXX. I paid {$1200.00} plus the remain {$500.00} for a total balance of {$1700.00}. 
The problem is after six months they accrued my interest and late fees and now stated that my balance is {$970.00} and I owed them {$3000.00}. 
I thought that they will start getting interests this month with the remain balance of XXXX instead of recalculate the interest on the {$4000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Records with the company will reflect numerous conversations regarding extra deductions from my account, several calls requesting car be started due to incorrect disabling. These problems occurred over the course of calendar year 2022.I was directly and blatantly lied to by customer service as well regarding trading in vehicle and refinancing for lower rate. Sent to dealership in XXXX GA, and advised by staff that would never occur. Finance manager at location further advised customer service for US Auto Sales was incorrect. Account sold to westlake, no information given.

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 2023-10-02
Company: Avadyne Health Holdings, Inc
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Insurance paid this bill my copay was {$150.00} which I paid at the time of the hospital visit. Numerous phone call to the hospital has returned the same results that I do not owe any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Chime Financial Inc
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
XX/XX/XXXX at XXXX I received three emails saying from Chime. Saying that I opened an account. I called Chime on XX/XX/21 to report fraud. The representative wanted to know my Social security number. I refused to give any personal information because I didnt feel comfortable. I asked to speak to a Supervisor, the representative said Chime does not have any management and that the only way to have the fraudulent account looked into and stopped is if I have them my social security number and to also email them with this information. I told them no. They hung up on me. On XX/XX/XXXX I received email saying that the XXXX XXXX is being shipped. I dont know what to do at this point. I did not apply for this account, calling Chime was not productive and they were fishing for more personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: The Law Offices of Jennifer McCoy, PC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
These people have identified themselves as a collection agency and or law firm attempting to collect a debt. They have sent paperwork to our home claiming that there is a debt owed by a deceased family member. They were notified that the person who they were seeking to collect the debt from is deceased. Shortly after that they renamed the account to include not only the deceased persons name but also that persons sons name onto the paperwork. Essentially there are two different names placed onto the account. They seem to not have enough information to identify who it is that they are trying to say owes the debt and they want someone to claim a debt that has been titled under two different names. This does not seem to be common practice as the first thing essential to seeking a debt is to first identify the person who they claim owes the debt. We made a telephone call to the company and after a short conversation there has been doubt raised as to the validity of this company. They were asked a few questions regarding very basic collection laws that were answered incorrectly. I would like to make a report of potential attempted fraud,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023, my bank, BMO, began a transfer of its newly acquired bank, Bank of the West. During that time, as stated on their website, " Debit cards will continue to work for merchant purchases and ATM cash withdrawals, but not for balances and other account information throughout the weekend. " ; therefore, access to money in accounts was available, but customers would have no access to view their accounts online or on the app during that time. The dates of the process would be XXXX XXXX with regular service resuming XX/XX/XXXX. On XX/XX/XXXX, I began receiving cell phone notifications from BMO that my automatic monthly charge to my cellular provider was declined. I received this alert several times every day during the four days mentioned. I then began receiving additional notifications from other merchants I had set up autopay with using my BMO checking account. One merchant, XXXX, reverted to a previously saved card that I did not want to use ; the process for changing it back required several steps and much of my valuable time. Fearing something had happened with my BMO account, I stopped using the debit card, and tried to contact the company. Because of this massive transfer BMO was engaged in, all attempts to speak with a representative resulted in exhaustive wait times on the phone and finally giving up. On Tuesday, XXXX XXXX, when BMO assured its customers that service would return to normal, I was able to view my account online and see there was ample money available ; I assumed the declined payments were a product of BMO 's transfer. That same day, I attempted to use my card with a merchant with whom I was dining, and it was declined. I called BMO again and this time I was able to reach an operator. The operator informed me that on XXXX XXXX, I attempted a purchase that appeared to be fraudulent. ( The purchase was to a music service for {$14.00} ; I had previously used this very same service just over a week prior, on XX/XX/XXXX for {$28.00}, with no red flags raised by BMO. ) In addition to this not previously causing red flags, BMO made no attempt to contact me on the date of the charge, despite my having all alerts set on my cell phone, and BMO sending me repeated alerts about all of my declined auto-payments for four straight days. Finally, the " fraudulent '' charge showed that it had cleared on XX/XX/XXXX, despite BMO never receiving my permission to accept it or confirming the charge in question was fraudulent.

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 2023-09-30
Company: Fidelity National Information Services, Inc. (FNIS)
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
ChexSystems provides canned answers to my request to correct ( essentially to do their job and actually review and compile a credit report ) my credit report. I tried several time to file a complaint about their missing information resulting in and inaccurate report. They simply won't respond with an actionable answer!

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 2023-08-09
Company: Experian Information Solutions Inc.
State: AL
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 received my credit report on XXXX XXXX and notice there were hard inquiries that dont have permissible pourpse to be on there.these hard inquiries are hurting me for getting approved.i already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that dont have no purpose to be 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 non-monetary relief
Consumer complaint received 2023-06-30
Company: SYNCHRONY FINANCIAL
State: FL
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:
Since XX/XX/2023, I have noticed an account on my credit report for the amount of XXXX that I have not requested, on a Synchbank credit card. Make a complaint and the company indicates that everything is correct. I see that they used my name irregularly for this transaction by the bank. I requested the cancellation of the debt in writing in my credit report since it does not belong to me nor have I requested it and as of today, XX/XX/2023, I have not received a response to the cancellation request.

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 2023-09-24
Company: Harvard Collections, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XXXX, I noticed Harvard Collection Agency had added a collection to my credit report ( all three ) without notifying me. I requested proof that this was my debt and disputed it with all three bureaus. Harvard collection agency informed me this was a debt from the State of Ilinois for welfare they wanted me to pay back from XXXX. I was not notified of this attempt in XXXX and nothing has been on my credit report until XXXX. After I disputed this debt, Harvard Collection agency removed the collection from all 3 bureaus and then added it back on in XX/XX/XXXX. I was not notified again about this debt and only noticed it when I received a credit score update that showed my credit score dropped for all 3 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: NV
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:
Greetings. This was my XXXX time I am sending a complaint through CFPB, with regards to the accounts I asked to remove. This time the XXXX have removed all the items I requested them to remove. The remaining issues I found were in my XXXX and Equifax Credit Reports. Below were the ACCOUNTS that I want removed. As I have been asking the Bureaus to fix these accounts but nothing happened. Also, I am humbly requesting the presence of Consumer Financial Protection Bureau ( CFPB ) to please assist me in fixing my credit reports : XXXX : XXXX XXXX XXXX XXXX Account Balance {$0.00} 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 2023-09-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Equifax credit report pulled on XXXX XXXX XXXX XXXX : *shows closed and delinquent as of XXXX this is incorrect *shows delinquency first REPORTED is XX/XX/XXXX instead of DATE OF FIRST DELINQUENCY .other two credit reporting agencies have date of FIRST DELINQUENCY XXXX which is correct * Can not even see a removal date so removal date is past tense as evidenced by another page in the same report as COLLECTIONS= YOU CURRENTLY HAVE NO COLLECTIONS! 
See three photos attached as proof All of this is extremely confusing, incorrect and doing me great harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02
Company: CashRepublic Holdings, Inc.
State: AE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In 2018, when I was about to be XXXX, I contacted OMNI to request a deferment for my original loan. I was concerned about my ability to access the internet to pay my bills during this time. They sent me the necessary paperwork, which I promptly completed and returned. I was then informed that my loan would be placed in a deferment status as soon as they received the paperwork. 

However, when I returned, I was informed that my loan was never placed in deferment, and now I owe almost {$6000.00}, including interest and other fees instead of the original {$1200.00}. This has caused a lot of financial turmoil for me, and I am seeking your assistance in resolving this matter as soon as possible.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: SANTANDER HOLDINGS USA, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Tied to open an account. Was advised that they were unable to verify my identity. When asked for specific answers and pote rial resolutions, they now state that they reserve the right to refuse account opening to anyone. Contact XXXX at the executive office,

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 2023-09-22
Company: MRS BPO, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received call from MRS BPO LLC and they hung up on me. I'm on the do not call registry and I went online to find out who this company is and it says it's a debt collector and I do not owe any debts of any kind so I tried to call them back and reach them and the phone rang for over 10 minutes with no answer. They have called me in the past and I've blocked numbers that they've called from and they always hang up on me I feel like they're trying to verify that it's a legitimate phone number and maybe sell my information because I otherwise don't understand why they would call and then hang up on me if they were trying to collect a debt and like I said I do not owe any debts of any kind My credit score is perfect I pay everything on time and always have.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: C B Merchant Services
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Back in XXXX, I signed up to receive solar panels for my home residence through XXXX XXXX XXXX. It became quickly apparent that they were not going to complete this install in a timely manner as they had initially promised and I inquired about cancellation. I was told at the time by employee, XXXX XXXX, that I would not be charged the cancellation fee of up to XXXX XXXX of the total project cost. After further inquiry, he and some of the other employees of XXXX XXXX showed me in writing that my cancellation fee was waived. After this point in XXXX, I did not hear about any supposed debts I owed to XXXX XXXX. It was not until this last Friday ( XX/XX/XXXX ) that I received an email from a 3rd party called Advantage Billing XXXX XXXX ( not a physical mail or phone call ) that my account was overdue and demanded immediate payment within XXXX days else I would receive unspecified legal actions against me. There was no indication of my rights in the email nor how I could dispute the charges. I emailed them back the same day ( XX/XX/XXXX ) and said that I had proof that the cancellation fee was waived. I received no response. I tried calling today at their listed number ( XX/XX/XXXX ) and nobody picked up. I was leaving for XXXX on the same day I received their initial email and knew that I would not be home in the 10 days they gave to resolve the issue.

Company response to consumer: Untimely response