BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-05
Company: EQUIFAX, 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:
Spoke with Equifax XX/XX/XXXX and they said they removed freeze. On XX/XX/XXXX they said hadn't and I would have to fax Drivers License, Social Security Card and written request which I did on XX/XX/XXXX. They are now telling me it won't be lifted until possibly XX/XX/XXXX. They have refused to let me do it on-line or via the phone. My XXXX XXXX account shows it lifted until XX/XX/XXXX but when I click on credit report it says it is frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I opened a Care Credit account for my XXXX with Synchrony Bank a year ago with 0 % for a year. 
Last week when I was going to pay off the balance, noticed a charged of {$80.00} on the statement, I questioned it and found out it is protection or insurance plan, which was monthly added to my account. 
I never requested and authorized such a insurance and without my permission added to my card. I was charged {$1100.00} for past year of the insurance protection, which are going to pay me back. But this kind of none sense have to stop, I found out by accident about it and XXXX know how many people are being subjected to this kind of fraud and are unaware of it.

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 2016-11-22
Company: CITIBANK, N.A.
State: MN
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
When Costco transitioned their relationship from XXXX XXXX to CitiBank Visa they automatically took out credit in my name. I had a Visa account elsewhere and did not want the CitiBank card. So before the transition, I informed Costco, but I still got a card in the mail, so I never activated the account and cut up the card. I do not, and have not ever had any relationship or contract with CitiBank. However, many months later, I got an email about a late balance from them. So, I called and found out that Costco had charged my annual member to the the CitiBank Visa card ( which was NEVER activated ), and for some reason that charge was able to post!?!? 

I called immediately XXXX XXXX ) and CitiBank apologized and forgave the bogus late fees closed the account I never signed up for in the first place... except 2 months later I got another email that I owed them and calling again, they had continued to bill this non-existent account fees despite confirmation of closure. Again, they did forgive the bogus charges. 

I think this is exactly like XXXX XXXX in that my credit was borrowed against without my knowledge or permission based on a previous relationship with an unrelated financial institution. Furthermore, if I take a not-activated credit card and go to the store and swipe it -- obviously it wo n't be charged to the person and wo n't work ... How can a card be charged behind the scenes that is not and was never activated? Then, I only received notice many months after the institutional fraud based on accumulating fees.

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 2022-10-11
Company: Specialized Loan Servicing Holdings LLC
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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XX/XX/XXXX XXXX has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX XXXX I believe it was reporting in error. 
XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

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 2020-03-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chase Bank closed account with a vague letter never listing accounts. Moved positive balance from savings to checking without my knowledge then proceeded to collect positive funds with a hold on my account which I also wasnt informed of. Made several attempts to try and get my balance paid to me. Waited over an for bank manager at XXXX XXXX site who kept me waiting in lobby although he was informed I was coming in when the store opened at XXXX. Local time now XXXX. I got here at XXXX. Then team members wanted me to make an appointment. Then was told to wait in line. Teller eventually helped .Customer service on phone was no help either they told me Id have to wait 10 days but Lester was mailed on XX/XX/XXXX and today is XX/XX/XXXX. In

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX XXXX and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. I will also file with the CFPB and FTC! This is unacceptable!

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 2021-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX 3. XXXX XXXX XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX  XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft )

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 2015-07-12
Company: Fidelity National Information Services, Inc. (FNIS)
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
THIS COMPANY IS REPORTING FALSE NEGATIVE INFO ABOUT ME TO COMPANIES AND DECLINING CHECKS I WRITE TO COMPANIES THEY WORK WITH. WHEN I CALL TO GET TO THE BOTTOM OF THIS, I 'M BOUNCE AROUND, TREATED RUDELY AND INSULTED. I have contacted this company many times and provided information time and time again. They are very rude, uncooperative, insulting and insensitive to the problems they are causing by distributing slanderous and defamatory and false negative information to companies. They do n't care about anyone but themselves. There are virtually hundreds of websites dedicated to how horrible these people and company is and how many people they have done this too. 

Here are a fewhttp : XXXXThis site talks of this company being fined XXXX XXXX dollars for Fair Credit Act violations. 

https : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: EQUIFAX, INC.
State: FL
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:
Asked company to investigate account to make sure everything is 100 % accurate. Company is still reporting inaccuracies on my credit report causing me harm. I wont account deleted immediately. 

Account : XXXX XXXX XXXX XXXX : XXXX XXXX, On XXXX, XXXX Equifax reported 30 days late, but on XXXX, XXXX XXXX reported OK ( paid ) XXXX. On XXXX, XXXX Equifax reported 30 days late, but on XXXX, XXXX XXXX reported OK ( paid ) XXXX. On XXXX, XXXX Equifax reported 30 days late, but on XXXX, XXXX XXXX reported OK ( paid ) XXXX. On XXXX, XXXX Equifax reported 30 days late, but on XXXX, XXXX XXXX reported OK ( paid ) XXXX. Equifax also reported that last payment made was on XX/XX/XXXX, But how is that possible when XXXX reports payments for XXXX, XXXX, and XXXX of XXXX Enclosed is a copy of this account with inaccuracies, who is correct, Equifax or XXXX? Delete this account it is not 100 % accurate according to The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: M&T BANK CORPORATION
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX. I am a victim of a scam through social media. The person was posing as a family member and wanted me to go into an investment with a company with a man named XXXX ( his XXXX name is XXXX ; his number is XXXX ) .He then scammed me into investing in BitCoin . This was my first time ever investing in a company this big. Bad checks were directly deposited into my bank account, which resulted in a {$10000.00} overdraft. I have met with the bank officials and have talked to the police about this and the police opened an investigation. The bank officials told me that I could be held responsible because I gave out my information. The bank required me to pay the {$10000.00} in full, which I am financially unable to do. Therefore, they closed my account and the amount went to collection. The police opened an investigation, but they told me that they are at a dead end on the case and there are no clear or defined suspects to charge. I provided all of my documents to the bank officials and to the police and I am willing to provide them to whoever is able to help me with this matter.

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 2015-07-17
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I lost my bank account card one day, and did n't know I did for a few days. I then saw my account was going in to negatives that I did n't know about I then reported to the bank that I lost my card. And when that happened I asked that my account be closed. The issue is I tried to open another bank account recently and was told that there is some issues going on with my account with fraud that I had no part in. I believe someone found my card and hacked into it and used it for illegal purposes. Please help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: LoanCare, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I HAVE A MORTGAGE LOAN WITH LOANCARE # XXXX. I HAVE MADE NUMEROUS COMPLAINTS ABOUT THE WRONG INFORMATION BEING ON THE LOAN. MY HUSBAND XXXX XXXX IS DECEASED AND I HAVE SENT THEM THE DEATH CERTIFICATE. I HAVE ALSO SENT A COPY OF THE DEED WHICH INCLUDES MY SON IN LAW XXXX XXXX. THE LOAN HAS 3 BORROWERS AND I NEED THE XXXX XXXX NAME REMOVED AND HAVE THE REMAIMING BORROWERS XXXX XXXX AND XXXX XXXX ON THE STATEMENTS FOR TAX PURPOSES. I HAVE STARTED CALLING LOANCARE FOR A FULL MONTH NOW AND STILL HAVE NOT GOT IT RESOLVED

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 2015-11-19
Company: Incomm Holdings Inc.
State: CA
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Fraud or scam

Complaint:
Found tow trailer on XXXX. Contacted seller and they informed me that they were out of town and that we should use eBay. I agreed and she set up an account on eBay. eBay sent me an invoice and instructions to by PayPal My Cash gift cards and email them the PIN numbers and they would hold the money until I instructed them to release it and that I had inspected and accepted the trailer. I followed their instructions and once I gave them the PIN numbers eBay XXXX sent me a email that they had received the money. I tried to communicate with the seller but never got any response. I started investigating and have filed a dispute with PayPal and a Police report with the XXXX Ca. Police Dept. Case number is XXXX. PayPal My Cash dispute number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I disputed info on my Chex System report back on XXXX/XXXX/2015 that was fraudulent it was due to ID theft, I have never had a bank account and Chex Systems in violation of the FCRA has NOT responded! There 30 days is up they must now delete all of the information on my chex system report!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: ZenResolve, LLC
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I got this information from XXXX  regarding zenresolve. The problem is with my bank account. My checking account was closed on XX/XX/2020. My money wasn't deposited into my new checking account in time. So I was unable to make my payment. I will just pay the {$1000.00} of what I borrowed when I get my stimulus check and my money deposited into my new checking account. But I will not be paying any interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I tried to open an online account with TD specifically because it could be done online. There are no TD branches in my town. During the process, the website errored out. I called the 800 number to try to finish it online and was told 1 ) I did not complete the process and sign for the account so it would close if not funded, and 2 ) I was also told it wasn't possible to correct over the phone and that I had to go to a branch. I told them then that wasn't possible given transportation difficulties and the pandemic. Again, the phone representative said the accounts would just close if not funded. A month later, I get a statement. I called AGAIN, and was told the same thing by TD, who tried to refer me to a branch in a neighboring town. Again, the reiterated that travel was not possible and was told by the TD representative that if the account was not funded, it would be closed by TD. A month later, I received another statement, this time showing a fee of {$25.00}. I called again, ... same thing. I was told only the local branch could close the account. I called that branch on XX/XX/XXXX spoke with the manager, XXXX, who told me it would be closed and she would confirm that for me once done. XXXX just called ( XX/XX/2021 ) telling me i had to make the trip to the branch. I reiterated for her that she was asking me to close an account that I NEVER SIGNED FOR AND SHOULD NOT HAVE BEEN OPENED and reminding her of the pandemic risk. TD opened an account without my signature, NOW is claiming I have to take unnecessary risks, time, expense and travel to correct their mistake. They are refusing to correct this via mail, internet or any other reasonable manner, even though I am going out of my way to work with them to find a suitable solution that does not involve health risks or a time/cost burden of travel.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-09
Company: CITIBANK, N.A.
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My loan originated in XXXX, as a interest only loan. In XXXX, I applied for a Home Affordable Modification Program to run from XX/XX/XXXX to XX/XX/XXXX but was breached by XX/XX/XXXX. 
In XX/XX/XXXX the interest only term ended resulting in the monthly premium increasing by {$800.00}. I received 2 Citimortgage letters ( see attached ) from CitiMortagage dated XX/XX/XXXX and XX/XX/XXXX regarding the payments changing. As of XX/XX/XXXX, the payment was {$860.00} by XX/XX/XXXX the payment was {$1000.00} and by XX/XX/XXXX, {$1600.00}. In XX/XX/XXXX, I applied for another HAMP modification and submitted all paper work on time and did n't receive a decision until late XX/XX/XXXX but was supposed to receive an answer within 30 days. Appeals were requested but the modification was still denied. Due to interest rate only being 4 % which is the rate from the current modification and household expenses to income ratio. According to CitiMortgage modification terms the interest rate was suppose to cap at 5 % in XXXX and the modification terms was suppose to supersede the interest only term, per CitiMortage 's modification contract ( see attach ). 
Citimortgage intentionally delayed the underwriting process of the HAMP application to avoid honoring any modifications under the program. I believe my application in XXXX and XXXX was unfairly processed. I 'm a victim of predatory lending since the modification was set up for interest only for 120 months. No payment to principal was designed intentionally.These terms was based on Citimortgage in-house modification terms. 
My account is 90 days delinquent, due to the payment increase. 
I would like an investigation to be done on the handling of my account from inception until now.

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 2022-10-11
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX Balance Owed : {$5300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I HAVE ATTEMPTED TO CONTACT THE REPORTING AGENCY, CHEXSYSTEMS, VIA MAIL SEVERAL TIMES IN REGARDS TO THIS REPORTING MATTERS. I HAVE ALSO TRIED TO INFORM XXXX XXXX XXXX ON THE REASON WHY I WAS SHOULD HAVE NOT RECEIVED CERTAIN CHARGES, YET THEY CLOSED MY ACCOUNT AND REPORTED ME TO THE AGENCY. DURING THAT TIME-FRAME, I WAS NOT IN THE CORRECT MIND-FRAME TO BEING KNOWLEDGEABLE OF WHAT PROPER PROCEDURE TO TAKE TO HANDLE THIS ISSUE. I WAS A COLLEGE STUDENT AND A XXXX WHO WAS DIRECTLY FOCUS ON MY XXXX CAREER AND MAKING A BETTER LIVING FOR MY CHILD. I WAS SEEKING HELP FROM BRANCH BANKERS, CUSTOMER SERVICE REPS & THE REPORTING AGENCY YET NO ONE GAVE ME THE DIRECTION TO HANDLE THIS ISSUE. I FEEL I HAVE NOT BEEN GIVEN A FAIR OPPORTUNITY TO HANDLE MY PERSONAL BANKING ISSUE AND WAS TOSSED AROUND TO VARIOUS DEPARTMENTS WHO COULD NOT FURTHER ASSIST ME. IN ADDITION, THE REPORTING AGENCY STATES THEY ONLY HOLD THE REPORT FOR 5 YEARS AND THIS ISSUE HAS MADE ITS 5 YEAR ANNIVERSARY MARK THIS XXXX 2015. ACCORDING TO THEIR POLICY, AFTER THE 5TH YEAR IT IS THEN REMOVED FROM THEIR AGENCY.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
- usaa punishing customers by closing account for reporting unrecognized charges. 
- usaa froze my money in my account on XX/XX/XXXX without notice. 
- XXXX from ceo office stated it would be closed in 1-3 days but was false and have been told I must wait 60 days to get my money back which is federally protected due to being VA benefits.

- fcra rights are being violated by usaa due to giving false information.

- I would appreciate this to be resolved as quickly as possible to due financial hardship this is causing especially with my XXXX and XXXX related XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation