BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-28
Company: SYNCHRONY FINANCIAL
State: OR
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:
Sync/XXXX  on XX/XX/XXXX on my credit report that I did not apply for. Ive been a victim of identity theft and have been contacting as many retailers and companies that someone has been applying for credit in my name. The Sync/XXXX is still on my credit report and says it will remain there until 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 non-monetary relief
Consumer complaint received 2022-12-12
Company: FIRST FINANCIAL BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Opened an account at First Financial Bank on XX/XX/XXXX. They had or still have a new account bonus for {$200.00}. You get the bonus if you complete the requirements, which is 3 debit card transactions after opening account within a certain amount of time. I completed the requirements by XX/XX/XXXX. Waited 2 weeks and called since I haven't gotten my bonus yet. The rep told me I have to be within a XXXX distance of a branch in order to get the bonus. They were not willing to make an exception. Nowhere on website or during the application is this mention. They only allow people who reside in IL, IN, KY and OH to open in account with them. Anybody else they deny. My issue is they allowed me to open an account ( I live in IL ), let me put my money into it and use it but don't want to give me the bonus. I am not that further than XXXX requirement, closest branch is about XXXX miles away. They put an odd requirement in order to not have to pay people the bonus. I would be more understanding if I was really far away, but I am not. I was going to use this account on regular basis, but I will no longer do that due to this negative experience. I will be closing this account as soon as I am able to.

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 2021-10-02
Company: CITIBANK, N.A.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It have been well over 30 days and I haven't received any investigation results.

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 2020-04-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
see ID THEFT case XXXX CONFIRMS MY CARD END ( XXXX. ) {$2.00}, XXXX XX/XX/2019 OTHER CREDITS REVERSED?? see attatched USAA COLLECTION ATTEMPTS Account ( XXXX XXXX I HAVE NEVER SEEN OR USED OR AUTOROIZED THIS ACCOUNT EITHER. USAA HAS DESTROYED MY CREDIT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: FinCo Services Inc DBA Current
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was in the hospital and all of my items were stolen from the locker that I was given with a code. When I went to retrieve my items they were gone. My wallet, social, coat and phone were stolen. I informed the bank and they said that there was no error. There are charges in New Mexico and Texas. How can I make those charges and in the hospital?? They said I did those things. This is fraud! Ive had issues prior with this company and now I know that they steal the customers money. This is proof. This is over {$3000.00}. Please help me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My previous loan servicer, XXXX, had a connection to XXXX so I could manage the mortgage with my personal finance software. It was purchased by rushmore LM and they refuse to " connect a mortgage with a third party '' I had no say in the transference of my loan. It's unacceptable to me that the same level of transparency can not be maintained when I didn't initiate or want this transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In complaint XXXX, I mentioned that Bank of America closed out my account after I deposited a check ( issued by another Bank of America branch ) and reported me to the XXXX XXXX. The check is completely valid and it should be trivial for BoA to verify -- it's issued by them. In the letter describing that they closed my account they claimed that they will mail me a check of the amount my account balance, which I have never received. This was almost a year ago. Since then I have been trying to get my money back using their online banking, phone banking, and finally in XXXX, their branches. In XXXX I went to a BoA branch 3 times to get my money back to no avail. 

Not being able to get my money back for almost a year, I finally filed a complaint with FDIC, which forwarded the complaint to CFPB. Today I got a call from a Bank of America representative asking if it was me who filed the complaint with CFPB in a threatening tone. Please help me with this issue. 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 monetary relief
Consumer complaint received 2022-09-28
Company: Credit Control, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from the collection agency thats how I found out I owed this money but Im afraid I was victim of identity theft because I have not purchase anything at XXXX with my credit card in years I dont even have the credit card with me I paid what I owed at the moment and then never used it again. I called XXXX and they told me I didnt have a balance with them so I called the collection agency and told them that and they kept sending me letters.

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 2022-09-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Predatory Billing Practices of SPS Select Portfolio Servicing , Inc . This mortgage company, I believe, is illegally charging fees for monthly mortgage payments to be made both over the phone and online on their site. In addition, they do not accept electronic transfer payments through XXXX 's Bill-Payer system.

My previous loan company XXXX XXXX XXXX never charged fees for their online service, by phone fee was nominal. SPS charges {$10.00} online from the XXXX XXXX ( there is a XXXX day grace period ) {$15.00} after & phone. 

The loan is FHA and according to research I've done, the illegality is collecting fees for a specific payment method where the mortgage agreement stipulates that charging a fee based on payment type is not allowed they are in violation of their own agreement since they've bought this loan from XXXX XXXX. 

It is noteworthy that, circa XXXX, XXXX, XXXX & XXXX XXXX have all in the past got in trouble for these practices. I was with XXXX who sold to XXXX who became XXXX XXXX who now sold to Select Portfolio Servicing , Inc. Shady goings on if you ask me! 

If there was no fee to use online with XXXX and XXXX XXXX, then SPS should have followed suit. 

The resolution I am looking for : eliminate all fees for making payments or force SPS 's hand to set up with XXXX and every other bank out there as a participating vendor for electronic drafts on the Bill-Payer system. People have the right to handle their own money and pay their bills as they see fit and as they are able to NOT when the SPSs of the world dictate. Yes by all means, please allow me to pay you to pay you ... Ridiculous!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Experian Information Solutions Inc.
State: MS
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:
I have a 1 inaccurate missed payment that's Reporting on my credit. PLEASE properly investigate this missed payment and remove it from my credit report XXXX XXXX XXXX XXXXXX/XX/2021 2021

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 2022-08-01
Company: EQUIFAX, INC.
State: IL
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'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$10000.00} XXXXXXXX XXXX XXXX Balance Owed : {$6100.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$11000.00} XXXX XXXX XXXX Balance Owed : {$6300.00} XXXX XXXX XXXX Balance Owed : {$6400.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I did not request the following hard inquiries on my credit report and this is hurting my file, I've placed a freeze on my files XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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 this creditor has violated my rights under 16 USC1681section 6 o 2 states i have the right to privacy 15 USC 1681section 604 a section 2it also states that consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account an open-end consumer credit plan as late for any purpose. 


Bank of America XX/XX/2020 2020

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 2022-09-28
Company: EQUIFAX, INC.
State: TN
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 have fraudulent inquiries on my credit report that I didn't authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: EQUIFAX, INC.
State: SC
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 believe I am the victim of identity theft. I had a collection account from XXXX XXXX XXXX placed on my credit report related to an address in Texas. I have never lived in Texas nor was I familiar with the referenced account. I filed a dispute and was notified by XXXX that both the account and address have been deleted from my credit report. However, in reviewing my corrected credit report from XXXX I noticed a new collection account had been listed related to a different address in Texas. Again, I have never lived in Texas. I contacted the new collection account, XXXX XXXX XXXX and reported the account and address as fraud. The representative for the company asked me about an email address that they had on file with the account and I had never heard of it. I have also filed a new dispute with XXXX, Equifax, and XXXX. The credit reporting agencies say they can not remove the new fraudulent address in Texas from my credit report because a creditor ( XXXX XXXX XXXX in this instance ) reported that address related to an account. The account is fraud and they are reporting incorrect information! CRAs should be required to confirm the address and or account is legitimate once disputed by a custome. I previously placed a fraud alert on my file but that did not stop the credit reporting agencies from listing this new fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: EQUIFAX, INC.
State: IL
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 exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX, amounts of XXXX, XXXX, and XXXX ; XXXX XXXX XXXX XXXX in the amount XXXX ; XXXX in the amount of XXXX ; XXXX XXXX XXXX in the amount of XXXX ; and The XXXX XXXX XXXXr in the amount ofXXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 


[ If you have a lawyer, state that you have legal representation and provide that persons contact information ]. 

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 7 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Capital Accounts, LLC
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Multiple times over the last month, Capital Accounts LLC has contacted me regarding a debt. I have asked multiple times to be provided with verification of the debt and they just hang up and call back later in the day or the next day. I have told them to no longer contact me if they wont provide verification of the debt and they hang up. ( XXXX ) XXXX and ( XXXX ) XXXX are the numbers used to contact me. Now when I answer they dont say anything and hang up. I need this to stop since it is getting to be a nuisance since they wont verify the debt or speak when I answer and continue to call when I ask for them to stop for the lack of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: EQUIFAX, INC.
State: CT
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:
UPDATE TO COMPLAINT # XXXX EQUIFAX is in breach of their DATA SHARING POLICY which states they MUST keep a record of given consent to furnish a consumer report and I demanded the recorded consent and EQUIFAX has not provided it so there for they must delete the demanded items i sent in my letter. EQUIFAX IS IN BREACH OF THEIR DATA SHARING POLICY AND MUST DELETE DEMANDED ITEMS FROM MY REPUTATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Stallings Financial Group, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022 I noticed a " new collection '' under Stallings Financial Group, Inc with address in XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX ( Phone number ( XXXX ) XXXX. This is previous debt collector for a medical bill which was being disputed since XX/XX/2022. 

The company claims that they eliminated the paid debt on XX/XX/2022 ( for a medical bill {$280.00} ) which is excatly when this new collection for XXXX shows up on my credit files with a balance of {$810.00} I contacted XXXX XXXX and Company and they have no record of such debt, or record of my social security ever used for services under their company. I don't reside ( nor have I ever ) lived in XXXX or anywhere where that company serves. 

XXXX XXXX XXXX at Stallings Financial claims that they are not reporting this because they do not represent BGE ( XXXX XXXX  ) yet it shows on the credit bureau under their name only. 

This error is affecting my credit and its innacurate, so it needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: ENOVA INTERNATIONAL, INC.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I applied for a LOC with CashNetUSA online and was excited to start rebuilding my borrowing access to different companies. I did not realize that making a payment, the amount only goes towards fees and interest, nothing on principal. When I realized this after the first payment was made on XX/XX/2021, I contacted the company via chat and email. I asked to change biweekly payments because I can not afford to pay over $ XXXX {$700.00} a month. After all, the payments vary. The company communicated back with me and said it's nothing they can do. Therefore, I expressed again that I will not be able to pay and requested the LOC to be closed to stop fees from incurring, but I was told nothing can be done. I was disappointed with their response and did inform them that I would reach out to other consumer agencies to ask for help in getting this rectified. I just got the LOC approved in XXXX, and made the first payment as it was set, but when I realized how much biweekly because the second payment increased over {$100.00} more than the first payment, I knew this will not be affordable to pay biweekly. I even asked for a once-a-month payment in a lower term but was told this is not possible. I don't want to let the loan go into default but with no other choice, I will have to let it default and pay on it once a month. I am reaching out for assistance to get this account closed with an affordable once-a-month payment and no more fees or interests be added to an inactive account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: EQUIFAX, INC.
State: CA
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 convergent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my rights. 15 USC 1681 section 602a states ; I have a right to privacy.

15USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Experian Information Solutions Inc.
State: IN
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:
XXXX XXXX XXXX XXXXXXXX Account Number : 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 consent.

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