BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-31
Company: EQUIFAX, INC.
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:
I am submitting this CFPB Complaint to dispute the inquiries and demanded verifiable proof bearing my signature/ electronic signature. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604. This action was initiated without any proof from any of the companies reporting. These inquiries are not factual since I never authorized them. The FCRA requires Credit bureaus to follow up and investigate the inquiry in question or delete. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act sec 604 as well as a violation of my rights to privacy. Please contact the listed inquiry and investigate such occurrence or remove immediately for non-compliance. Under the laws of the FCRA, the Credit Bureaus are required by the FCRA to follow up with the creditor. Please see the list of the Inquiries below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The FCRA requires the Credit Bureaus to verify the validity of the items within 15 days. If the validity can not be verified, the Credit Bureaus are obligated by law to remove the item. There is a clear case of unauthorized inquiries here, and I urge the Credit Bureaus to remove them before I am forced to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Since the fusion betweent Investors bank and Citizens bank im waiting to receive the new citizens bank debit card, trough the app is impossible to request a new card, and also is impossible to reach someone by chat, secure message or email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: TRUIST FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I was able to open a checking account with Truist Bank. The account was immediately locked and flagged for " fraud ''. After speaking to a representative on the phone, I was told that I would not be able to close the account over the phone and would need to drive 400 miles to the nearest branch to close it. 

Account opened : XXXX XXXX deposited : {$50.00}

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 2023-06-01
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2023 I was notified by XXXX XXXX that my credit score had changed. When I logged in to view it I noticed it had dropped 60+ points. Confused I started to look at why it had dropped and noticed I had 1 derogatory mark on my XXXX and 2 on my XXXX. Looking at those they are 2 separate collection companies, Transworld Systems and XXXX XXXX, looking for debt payment. The original debt owner is XXXX XXXX... I have never had an account with XXXX XXXX. One amount is for {$540.00} and the other amount is for {$360.00}. I called XXXX to ask how this happened and was told they had 3 total accounts under my social security number but not all with my name and all 3 were in cities I have never lived in. I have filed a police report ( # XXXX ) and XXXX has started a fraud investigation. I also put a freeze on my XXXX, XXXX, and XXXX accounts. 

As a result of this my husband, XXXX XXXX, checked his credit report and has 7 reported debt collections from Transworld Systems, XXXX XXXX, and XXXX XXXX  with the original debt owner being XXXX XXXX. The amounts on his credit report are : {$500.00}, {$570.00}, {$600.00}, {$910.00}, {$150.00}, {$700.00}, and {$370.00}. I called the police and they said we can use the same police report ( XXXX  XXXX ) since our issues are with the same company. After that I called XXXX to see how many actual accounts they had under his social security number and they told me they had 60 accounts all in cities he has never lived in. They have started their fraud investigation and told me I should go to the FTC to file a report which sent me here. We have also put freezes on his XXXX, XXXX, and XXXX accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: SYNCHRONY FINANCIAL
State: KS
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/23 I opened 2 Synchrony savings accounts. 

XX/XX/23 I transferred out some $ from 1 of my accounts as I needed it for bills. 

XX/XX/23 I successfully received my $ to the checking account I use for bills. 

XX/XX/23 My Synchrony bank account was essentially frozen - because I transferred out $ not long after opening the account. I called and confirmed it was actually my account and requested they unfreeze it in case I need my funds. They told me theyd put in the request and it would be available within 48 hours. 

XX/XX/23 I checked back and it was in fact still frozen. 

Since then I have called At least XXXX more times and spoken to 2 supervisors all of which tell me they will put in a request to get it unfrozen within 2-3 business days but that they cant confirm and it never is. They said it could take up to 60 days to review my account even though Ive numerous times confirmed it was not fraud and they just keep giving me the run around. Its been frozen for about 3 weeks and everytime I call they never have any other info aside from its being reviewed and to check back in 2-3 days. 

I am now low on cash and need to access my savings in order to pay bills. They essentially have frozen my account with no end in sight for little to no reason at all. Ridiculous how they can do this for this long. 

Please help, thanks!

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 2023-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I am being charged an interest rate for a credit card that exceeds the legal limit set by my state, on my Kohls store credit card. 

My interest rate exceeds XXXX XXXX  %, the limit in NJ. I am being charged on 30.74 % on purchases. 

The criminal usury limitations ( N.J.S.A. 2C:21-19 ). In New Jersey, it is considered criminal usury if a lender charges an interest rate of 30 % or more to an individual, or 50 % or more on an entity ( a corporation, limited liability corporation, etc. )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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 am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: ATLANTIC BAY MORTGAGE GROUP LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of this year 2023 I received a new escrow statement showing my monthly payment would increase by {$80.00}. Im on fixed income and asked why..they said my taxes would be higher. How did they know this? ..Im the taxpayer and wasnt aware of that. They told me to file for a Homrstead exemption which I did and have been approved. In XXXX I got an estimated tax bill and my taxes are less than last year so I sent that to the mortgage company. I have also lowered my homeowners insurance by a lot. I then got a new analysis and it showed my monthly payment would go up by {$210.00}. I called and they said because I was short in my escrow. I found out that they were sending in the wrong amount for taxes and that that check was sent back to them. They were adding into the total bill for my city taxes along with the TOTAL amount of my taxes. My total bill is estimated to be {$2300.00} ( {$660.00} is included in this amount for my city ). They are using {$2300.00} PLUS {$870.00} which was the city taxes last year. THIS IS WRONG. Ive asked again for someone to look over my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received a notification through one of my credit cards that an inquiry on my credit had been opened with Bank of America. Upon further investigation and speaking with experian and a BoA representative, there is currently a pending application under my information. BoA has cancelled the application.

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 2023-06-13
Company: CITIBANK, N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX 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 alleged identity theft, not later than 4 business days after the date of 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 IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!

Under, 15 U.S. Code 1681b Permissible purposes of consumer reports ( 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 INSTRUCTION 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 account listed IMMEDIATELY!

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 2023-06-14
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Fraud Charges of XXXX, XXXX, XXXX on XX/XX/2023 This was for a XXXX way airline flight from XXXX to XXXX I called this company and thought I was speaking with a legitimate XXXX XXXX representative. 

On XX/XX/2023, I called XXXX again, this time the real XXXX XXXX, and inquired why my on line account had a return trip XXXX  to XXXX. 
I spoke with Handled by XXXX Minnesota XXXX of XXXX Canceled tickets XXXX and XXXX. 
She informed me that I had been scammed. These tickets did not have 1. any personal info attached so they could not contact me about any changes. 2. The illegitimate company could have canceled these tickets without me knowing .3. It is possible that they would not be honored when I showed up. 

I tried to call the illegitimate company to inquire what was going on. The same number that I originally made the call on would not connect. A website that I eventually found associated with them had no way of contacting them! 

I bought legitimate tickets on XX/XX/2023 reflects on the attached PDF of my citi XXXX card. Please note the XXXX charges of XXXX to XXXX for legitimate tickets from XXXX to XXXX. 
Please reach out to me at XXXX if you have questions.

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 2023-06-14
Company: TrueAccord Corp.
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:
I am having an issue with a mysterious, old debt related to my XXXX XXXX account that I closed in XX/XX/2021. It was closed with XXXX debt. I have emails from XXXX stating that my account balance is XXXX dollars. I have emails documenting my account activity. I paid my bill using autopay from my debit card. XXXX had my card on file. 

In XXXX of this year I received an email from TrueAccord stating that I have an outstanding balance of {$44.00}. Apparently they were collecting for XXXX XXXX, who was collecting for XXXX XXXX. I asked for details, explaining the whole thing in detail. I am attaching a printout of my email communication with TrueAccord. They acknowledge that they don't have a record for me and told me they will cease collection activity on my account ( please refer to the attachments for a detailed overview ). Collection account fell of my XXXX credit report after that conversation. They never stopped harassing me via email despite their multiple statements that they are not collecting on the debt anymore. Eventually I just blocked their address. 

This brings us to today, I checked my XXXX credit report, and that collections account is back on my credit report. I have explained my times that I will pay what I owe, I need to know what I am paying for and why. This is beyond frustrating, I know I can just " resolve '' the issue by paying the {$44.00}. It doesn't fair or prudent though. Thank you for your help. XXXX XXXX P.S. I have many more emails that I can forward. I would need an email address though.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XXXX XXXX i went to pay my friend on the Chime app pay anyone feature. She did not receive it, so I had to XXXX her the money instead. I contacted chime support to dispute the transaction since the funds were taken from my checking account even though she never received the payment. Ive been denied twice already in my disputes, even though Ive submitted bank statements proving that nothing was received from chime. Since the XXXX Ive been through countless phone calls with their support team, and keep getting told the same thing. That I file the dispute and I should be getting my hard earned money reimbursed. Ive even been hung up on by one of their supervisors which I find extremely unprofessional no matter my tone of voice, because it gets to a point where youve explained the same situation about 20 times and nothing is changing. Come to find out I go on XXXX and Im seeing Im not the only one whos gone through the same issue. Times in the economy are hard right now and I dont make enough money to where I can just forget about those XXXX dollars. This is a company thats supposed to be legit, but yet arent helping there people.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-14
Company: FIRST NATIONAL BANK OF OMAHA
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2023 I initiated a payment from my bank to First National Bank of Omaha for the amount of {$880.00} To this day I have not received credit for this payment that shows as paid by my bank that sent the funds. I have talked to FNBO several times and have faxed the information to them to the number given and they claim they never received it. Each time they say it takes 7-10 business days to process. They refuse to expedite the request and refuse allowing me to talk to anyone in the proper department but I only can speak to a general representative other or those that claim to be leads or managers. 

I understand what caused the problem yet explaining it gets me nowhere. When I usually make payments I initiate FNBO to withdraw on my bank. For this payment I set it up for my bank to transfer payment to FNBO. A few years ago I lost my card and they sent a new one and of course changed the account number. I obviously forgot to change my FNBO account number with my bank so the payment went to an old account number. I have provided them with the old and new account number that it should go to yet they are doing nothing to resolve the matter. This is now the XXXX  business day this has been going on. This is simply unacceptable. I made another payment of {$900.00} just to avoid interest charges and having to go through this again with a bank that provides no resolution for issues.

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 2023-06-14
Company: GOLDMAN SACHS BANK USA
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Marcus Savings account received a verified request by me to transfer money from my Marcus account into a verified account in a different bank. In response, they locked my account and told me to call a number to unlock the account. I called Marcus and they first asking probing questions regarding what I was going to do with the money I was transferring and why I was moving it out of Marcus ( I was planning on leaving a substantial amount in the account ). They said that they are going to cancel the transfer and that I could not transfer the money to my linked account or I should just keep it in the Marcus account. 
I also tried to set up an account with my Mother in Law and it was a nightmare. Went through all the steps and they said that she was denied for not apparent reason as she has great credit and other bank accounts with no issues ( I believe because we were taking advantage of their promotion giving the referring person and the new customer an enter 1 % on the account ) They finally said I could transfer money only into the same account I transferred it in but I would have to start the process again from the beginning. They were acting like it was their money and that they would tell me how I should be using it. 
I have been reading more an more articles regarding folks trying and failing to get their money out of Marcus savings accounts. 
You request the account number but they locked my account and I do not have access. 


Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Chime Financial Inc
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had fraud on my account. I typically keep my card off because Chime is an unreliable bank that is for profit and doesn't care about their customers. So obvious that there was fraud and Chime did nothing to stop 10 charges that came in one after another. When disputed Chime did no investigation and denied my claim with no proof. 

I already reached out to the merchant who had refunded half of the charges. The other half they couldn't track down in their system because the accounts are searched by name. I told Chime this and it was disregarded. 

They also refuse to give me proof of their investigation. Said it takes 10 days to get it. No it doesn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Reporting company used your report improperly

Complaint:
I was in a car accident and car was paid off. Yet creditor is still reporting as derogatory. Reports are shown that account is derogatory. XXXX and XXXX are currently reporting derogatory account. This is currently incorrect and needs to be removed from credit report for job

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: FinCo Services Inc DBA Current
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX XXXX I was charged by the company XXXX XXXX in the amount of {$320.00} through my bank Current. I did not authorize this transaction and my card was fraudulently used. I did not come back into XXXX until XX/XX/XXXX and that is when I noticed my statement. I tried to reach out to the company but it was not able to get in touch with anyone. I reached out to my bank and they said they would investigate, however there was no proper investigation and they denied me. I am out over {$300.00} and the bank is refusing to return my money. I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Commonwealth Financial Systems, Inc.
State: NH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Common wealth financial reported past due medical bill debt to the credit bureaus without contacting me about this debt first. I did not receive any calls, nothing in the mail, no email. I was not aware of this debt, I would have paid it off or set up a payment plan. This debt can not be considered past due when I wasnt even notified about it. Once I saw the debt on my credit report, I XXXX the company name and contacted them. They sent me the letter to my email that I have attached.

Company response to consumer: Closed with explanation