BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-26
Company: CITIBANK, N.A.
State: NJ
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:
There are disputes on my account pending from fraudulent charges on my account from a dating service XXXX XXXX back to before XX/XX/2020. I put in a dispute for the charges in the appropriate time and reported fraud on my account the dispute was not put through appropriately and therefore the charges reappeared on my account. I called and once again put in an additional dispute and was assured that it would be properly handled and yet again it was not. So I have for the third time attempted to correct all these charges which were over {$400.00} in charges. In my third attempt I am now being told the charges are too old for them to dispute. That is not my issue as I did dispute the charges in the appropriate timeframe and due to them not doing their jobs properly or communicating things with me this has dragged on for about a year at this point. And every representative gives me a different story when attempting to fix the matter. First they tell me the disputes are too old. Then I am being told that it was reported as fraud and that it was proved that I did have a page on XXXX which best buy never informed me of any such proof and never provided any such proof for me to dispute. So reporting them is my last resort for a resolution

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-26
Company: FIRST NATIONAL BANK OF OMAHA
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Problem with customer service

Complaint:
XX/XX/XXXX received a letter from First National Bank of Omaha stating they have unclaimed property in my mothers name in the amount of XXXX. I have until XXXX XXXX to respond. I called on XX/XX/XXXX and had to leave a voicemail for Mr. XXXX XXXX to call me back. I received NO RESPONSE so I called again on XX/XX/XXXX and left Mr. XXXX my name and phone number again. I also tried the cell phone number he gave me. The people at the cell phone number I received from Mr. XXXX have never heard of hime and had no idea who he was. Third phone call placed XX/XX/XXXX. The cell phone number that appears to be wrong was given to me by Mr. XXXX own message in what must be his own voice. That gives me pause and the reason for this complaint. Please help or steer me to the correct people who can. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: Convergent Resources, Inc.
State: FL
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/2021 I emailed a " notarized and " certified '' to Convergent Outsourcing, Inc. Convergent Outsourcing, Inc is in violation of several laws according to the 15 U.S Code 1692g of the Fair Debt Collection Practices Act. A debt collector can not say I owe alleged debt, it is a violation and seeking remedy for damages inflicted on me. This debt is not mine. Additionally, Convergent Outsourcing, Inc never sent a notice 5 days before the account was placed on my 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 explanation
Consumer complaint received 2021-07-26
Company: TRANSWORLD SYSTEMS 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 information incorrect

Complaint:
I paid off a collection account and I was told by a customer representative it will be deleted when I paid it off ... I paid it off and when I called back they claim they will only update the balance ..Its still on my credit report and they lied to me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: REGIONS FINANCIAL CORPORATION
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was sold twice to new Servicing Banks. Each new Servicing Banks ( Regions Bank and XXXX ) did not offer a bi-weekly payment program. This program is of great interested to me. To manage this lack of service I chose to pay at least 1 month ahead in full and early. After the additional payments were made I submitted partial payments equal to more than half of my monthly mortgage payment intending to create my own bi-weekly payment program. 
I was told that the bank can not accept partial payments even if the payment history is caught up and future payments were already paid. They said any additional payments would go to principal. Since in order to leave the servicing bank I would need to refinance I have no choice but to be forced into living with these unacceptable banking practices. 
To me this is clearly not in the interested of the borrower and is intended to make it harder to pay down the loan early. The excuse that they can not hold a partial payment because of technical reasons is unacceptable. 
I do n't believe that this " Common Industry Practice '' is appropriate or even ethical. If a borrower is up-to-date and ahead on payments they should have the right to pay partial payments on a bi-weekly basis to help with budgeting and early pay down of the loan. 
A consumer should not be forced to stay with a bank because their loan was sold if they do not like the agreement. The consumer should have the right to change banks without cost to them if they do not agree to new payment limitations. At the very lease a consumer should have a say as to what happens to their extra mortgage payments without the constraints of bank procedures that are not in the clients interest.

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 2022-04-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1692C- States Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2015-04-04
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, XX/XX/2015 I sent a letter informing Fifth Third Bank not to process my payments. electronically anymore. This letter was sent certified mail and I had the receipt from where I sent the letter certified mail on XXXX XXXX, XX/XX/2015 My receipt shows that Fifth Third Bank received and signed for the mail on XXXX XXXXXX/XX/2015. In that same letter I enclosed my mortgage payment for the month of XXXX in the amount of {$1700.00}. Fifth Third Bank cashed that check on XX/XX/2015 it cleared my account. On XXXX XXXX, XX/XX/2015, which is more than 3 business days after they received my letter, Fifth Third Bank tried to make an electronic transfer in the amount {$1700.00} which is also an incorrect amount for my mortgage payment. This is clearly a violation of the Electronic Funds Transfer Act 12 CFR 1005.10 ( c ) ( 1 ) Consumer 's Right to Stop Payment. This states that " A consumer may stop payment of preauthorized EFT ( electronic funds transfer ) from the consumer 's account by notifying the financial institution orally or in writing at least 3 business days before the scheduled date of transfer ''. As a result of Fifth Third Bank trying to complete an EFT for an amount to cover my mortgage which had already been paid, I was charged {$30.00} from my bank with who I hold my checking account ( XXXX Bank ) for insufficient funds. Now Fifth Third is calling me and trying to collect additional money as well because the check did not clear. I have called and talked with several representatives who are either refusing to help ( just trying to collect more money XXXX or saying they can not help. I have explained to them that my mortgage payment for XXXX is not due yet and XXXX representative was saying the EFT that they tried to process was for the XXXX payment. I have explained to them I will continue to pay my mortgage monthly but by check and I will no longer use EFT. Fifth Third Bank should also have to reimburse me {$30.00} to make me whole as a result of my insufficient funds charge with XXXX due to them violating Federal Regulation regarding the Electronic Funds Transfer Act. I have copies of the letter mailed, as well as the certified mail receipt PS Form XXXX, Domestic Return Receipt if they need to be provided.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, 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:
The title loan account was opened in XX/XX/2015 the company did not disclose that they were reporting payments to the credit bureaus, this was optional at that time according to the advertisements, the employee at the store made this determination on my behalf without consent. They are a predatory lender with a much higher interest rate than advertised. They violated XXXX, falsely advertised, and represented rates making it impossible to meet the terms as a consumer. They tried to keep the vehicle as it was in their possession from the time the loan was in place. The loan defaulted, once defaulted we paid the loan in full plus any fees they charged. These fees were never provided upfront or officially disclosed in any documentation, it had to be what they said we needed to pay plus storage fees and other bogus fees. XXXX would not give us the location of the vehicle after payment, we had to go to several local warehouses to try and locate the vehicle on our own with little to no cooperation. This company takes advantage of consumers. I have disputed XXXX 's credit reporting practices over the last 3 years countless times and they continue to falsely report when they were not authorized.

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 2016-11-10
Company: UNITED AUTO ACCEPTANCE
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I brought a car from XXXX cars. It turn out to be a lemon. XXXX went out twice. The first time they came they fixed it. Not even a week later something went wrong with it again and they refused to pay. I told them to come get the car on XX/XX/2014. Instead of them putting as a repo on my credit they have it still as a open loan/late payments. They know what they doing. The are rude and they keep pointing me to talk with the credit bureau. " We have nothing to do with how it 's reporting '' they say. I been going through hoops to get this as a voluntary surrender. They did n't even send me a letter saying they sold the car again. On my credit report they are reporting a amount that is not the owe limit. they are a fraud and i 'm tired of this. XXXX XXXX auto acceptance/ XXXX Cars

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Received Collection letter on XXXX saying I owe XXXX XXXX. it had the incorrect account number and I checked with XXXX they do not even have that account number. Stated I owed {$240.00} this is not my debt and should be removed from the credit bureau and any other databases they may have added it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
To Whom It May Concern : I'm emailing you because my credit report contains inaccurate information. Regarding this, I've written to XXXX, XXXX, and EXPERIAN. Well, none of them try to fix the situation in any way. As additional identification, I provided them a copy of my passport and my social security card. 

Please assist me in finding a solution. I've been under a lot of stress because of this issue. 


Best wishes, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: PNC Bank N.A.
State: NE
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Reference previously filed complaints : XXXX XXXX Bank refuses to acknowledge the nature of the complaint : PNC can not account for location of IRA CD originally issued XX/XX/1985. Instead PNC references two other savings accounts which have nothing to do with this issue. THIS INVOLVES AN IRA CD ACCOUNT ONLY The original bank was XXXX XXXX XXXX XXXX XXXX. PNC took over the bank. PNC never followed through on the original contract. Per research with other banks it has been verified that the rules for retirement accounts are different than usual savings accounts. 
PNC uses the excuse they have no record of the account. I have the original contract in my possession. Since this is an IRA account PNC has additional rules to justify disbursement this type of account. 
Please note per the contract it automatically renews every three years if the institution does not hear from the depositor. 

My name at the time of the original contract : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: Arena Investors, LP
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received letter from North Shore Agency that says it's collecting for XXXX XXXX XXXX. Number provided for North Shore Agency never lets you speak to a real person. I tried contacting XXXX XXXX XXXX directly and they say they don't have access to the information about such debts. We don't recognize the company name and the XXXX  listing for North Shore Agency makes me think this is just a scam they use to target people into paying money on debts that aren't theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: LEXISNEXIS
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
( LEXIS NEXIS ) THIS IS MY 3RD ATTEMPT CONTACTING YOU.YOUR REPORTING INFORMATION THAT IS HARMING MY PERSONAL LIFE WHICH IS INVADING MY PRIVACY.YOU AND YOUR CORPORATION NEVER SENT ME A LETTER TO LET ME KNOW NOR HAVE I ( XXXX XXXX ) GAVE YOU CONSENT TO SHARE MY INFORMATION WHICH IS A VIOLATION 15 U.S. Code 6802.ALSO IT IS A VIOLATION OF 15 U.S. Code 1681 YOUR COMPANY DIDNT exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.15 USC 1681b a consumer reporting agency may furnish a consumer report under the following circumstances and no other To a person which it has reason to believe or In accordance with the written instructions of the consumer to whom it relates. You have 30days from when you received this letter to respond back if you do not respond I will be force to take actions for the said violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was a victim of identity theft and noticed a collection from AFNI I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commission which I wrote a formal complaint against AFNI in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: EQUIFAX, INC.
State: GA
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 becoming a serious issue. Your company has still not followed the instructions that were clearly stated in my letters that were sent on XX/XX/2021. I demanded that you produce for me the original consumer contracts bearing my signature for that accounts that were listed in my letters through physical verification which you were required to do by federal law per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). Till this day I have received NO original consumer contracts bearing my signature on it at all showing that those accounts are indeed verified and accurate. All you did was complete the disputes and said that the accounts were verified without providing the information that I demanded. As a consumer, I am completely disgusted at the fact that you have openly committed federal violations as if I don't know my rights as a consumer. This violation is grounds for immediate deletion of all accounts that were listed in my disputes. since you want to XXXX XXXXXXXX and stall with my disputes and pretend as if you clearly cant read, I'm evoking my rights as a consumer Under 15 U.S. Code 1681b-Permissible purposes of consumer reports ( a ) ( 2 ) I demand that you remove all accounts listed in my letter because i have not given you any permission to report any accounts onto my consumer report in the first place. i have attached the first dispute dated XX/XX/2021 as evidence and my new letter dated XX/XX/2021 containing the 3 accounts that I'm demanding be removed. if you decide you want to ignore or stall with my request I will file a law suit requesting monetary relief for the damages of your inaccurate reporting as well as the clear violations you have decided to commit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I was one if those low income students who put my loan in deferment an the interest was so high, after it got out if deferment the balance was higher than it was before the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I disputed on XX/XX/XXXX a bankruptcy being listed on my account to verify it and how it was verified. I received a reply that it was verified but I was never told how. I disputed it again for accuracy and to let me know how it was verified a second time, XX/XX/XXXX. I received an automated response back to let me know it was verified again but never was told how they verified 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 explanation
Consumer complaint received 2022-04-12
Company: SYNCHRONY FINANCIAL
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:
An account named " SYNCBXXXX '' has shown on my credit since XX/XX/2020 stating that I am an " authorized user '' on the account. However, I am not an authorized user on any such account and I never have been. I believe my information has been added to this account either in error or by intentional fraud. I've disputed this with the creditor as well as the credit bureau. The creditor is unable to provide me any assistance on the account, since I'm unable to provide an account number or any verifying information. And the credit bureaus continues to verify the account as " accurate '' even though it absolutely is not.

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