BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-23
Company: Flagstar Bank, N.A.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We closed on a house recently in XX/XX/2021 with XXXX XXXX XXXX. After closing, the loan was tranferred for servicing to Flagstar bank. During the transfer, Flagstar truncated borrower 's first name from " XXXX XXXX '' to " XXXX XXXX '' which is not the legal name. It does not match the closing documents, or the deed or any other official documents. After repeated contacts with Customer Service as well as filing a complaint with CFPB, we've been told that Flagstar can only handle names within certain character limits and will need to truncate everyone else 's names. No resolution was offered except a reference number was provided. When requested for anemail ID where complaints can be made, both customer service agent and the supervisor refused to offer any resolution except for truncating the last name.

When a complaint was made to the CFPB earlier, Flagstar closed the complaint without providing any resolution. We have paid over XXXX to purchase this house and in return we have a very basic expectation that the company which services our mortgage should be able to spell both borrower 's names corrected on all mortgage related paper-work. 

If they are unable to spell borrower 's names correctly, they should not be able to service our mortgage. We would request them to correct the mistake in their paper-work or transfer our servicing back to XXXX XXXX who we had chosen as our lender.

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 2015-04-30
Company: REGIONS FINANCIAL CORPORATION
State: LA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Regions bank in XXXX XXXX, LA. I have had a several different bank accounts and have had several problems with them. My account is now over - {$230.00} due to overdraft fees. My account was low so the bank took a {$8.00} monthly fee to my account that was already- {$4.00} over withdrew so Regions then took - {$36.00} for them overdraws on my account made by them. 2 days after my account being negative Regions then charged me a {$10.00} rewards fee. and charges me another {$36.00} overdraft fee. Now I have credit company from Regions calling me everyday after I had explain that Regions has made {$160.00} just in overdraft fees. Please help! This bank has been doing unfair business to thousands and now is going to farther ruin my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
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: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
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: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25
Company: Nationwide Biweekly Administration, Inc.
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
To whom it may concern I just recently purchased a new house this XXXX 2015 and shortly after moving in we began receiving letters regarding a mortgage accelerator program. I called them and I decided that it made sense and paid upfront a sum of one mortgage payment which was XXXX. Now they are sending me emails indicating that they have been shut down. I am upset not to mention out a lot money. Do I have any legal recourse about getting money back thx XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2017-12-16
Company: Torres Credit Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX XXXX XXXX, an outfit called Torres Credit Services sent a letter stating I owe {$14.00} from not paying a XXXX XXXX XXXX XXXX which is a complete lie. This company is running a scam operation trying to collect phony debts and sending intimidating collection letters. The address from them on the letter shows they are located in XXXX, PA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: EQUIFAX, INC.
State: MS
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:
Im suffering from identity theft and have been trying to correct it for a while. I sent over all required documents to Equifax about 30 days ago. They removed most of my of the items I requested but a account from XXXX XXXX   Account # XXXX they did not remove which was fraudulent and they said it was verified that it belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
The Consumer Statement disappeared from my Transunion credit report. I was trying to update it using their website dispute management section. 


We understand that it is our legal right, under the FCRA, to add a 100-word statement specifying the nature of your dispute. And that the consumer statement will appear on your credit report and be viewable This dispute deals directly with an ongoing complaint that we have been having with XXXX XXXX XXXX, and their refusal to delete information on the TERMS of our loan that they have not been able to support in our loan documents. I have already an complaint dealing with this same matter, that was distributed to all three of the major credit bureaus. They refuse to remove very negative changes to our mortgage account, that they use in a very predatory manner. So far, and because they have not been able to support the wrongful information. XXXX had informed me that they have deleted the entire account as a solution to the very negative information they refuse to remove. We are pleased with XXXX solution to the three bureau complaint. But has noticed that Transunion has since become the main bureau that allows the negative information to remain on our credit reporting.

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 2022-04-11
Company: Exeter Finance Corp.
State: AR
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:
Exeter finance is stating i had an account opened XX/XX/2020 and it is a derogatory account. They they have changed the on time payment amount 2 or 3 times in the past month which has caused me to lose over XXXX points on my credit profile. i have previously disputed this account and sent a method of varication and they never got back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: REGIONS FINANCIAL CORPORATION
State: LA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
i had a {$500.00} revolving line of credit with Regions bank. I paid it satisfactorily and decided to close it. i opened the line of credit XXXX and closed it XXXX the account number reporting on XXXX , XXXX , and XXXX XXXX XXXX XXXX. they call me still 3 to 4 times a day to try and collect on the balance that has been closed for the last 4 years. i have proof that it is paid in full and closed.

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 2020-03-25
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I owe this company ( citiretailservices.citibankonline.com ) a promotional balance and they won't let me pay on my promotional balance. I sent them a payment on XXXX and asked them to appy it to my promotional balance. I asked them to help me send a payment to my promotional balance on XXXX and when I asked they said they couldn't help and I needed to ask the question a certain way. I asked how and if i can speak to someone and they sent me to a automated line that specified that I could only pay on my promotional balance on the last 2 months before the promotional balance runs out. The website doesn't allow to make a payment that goes directly to the promotional balance without someone from the company doing it. It feels like they are not trying to to allow me to try and pay on it. I called again on XXXX and they replied " I don't have specific information on this ''. When I asked for more help I was sent this message " a promotional balance is a designated portion of your available credit that has a reduced introductory interest rate. Any balance you accrue up to the amount of the promotional balance is subject to a reduced interest rate. Any portion of your balance in excess of the promotional balance will be subject to your card 's standard apr. '' then they sent me a message that said " was I able to guide you to what you were looking for? yes, no, restart search ''. My question was never answered and they refused to apply it to my promotional balance. This credit card is through best buy and after it's paid off I plan on never using it again if this issue isn't corrected and they at least try and let me pay on the balance without trying to add interest when the promotional balance runs out.

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 2022-09-03
Company: Experian Information Solutions Inc.
State: PA
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 submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this inaccurate information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-04-11
Company: Experian Information Solutions Inc.
State: NC
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:
The following inquries i did not authorized. I tried disputing twice and they saying i did it. 




XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX Banks and XXXX & XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXnquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Banks and XXXX & XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX BaXXXX XXXX  XXXX & XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX & XXXX Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX other than personal Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX date : XXXX XXXX, XXXX Removal date : XX/XX/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 2020-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I opened a bank account with Capital One on XX/XX/2020. Upon opening I deposited {$500.00} electronically to this account from my XXXX XXXX  account. I was informed, electronically, that my debit card would be mailed to me. 

On XX/XX/XXXX, I got a fraud alert on my phone alerting my to activity on my account. 

I immediately logged in online to check the account. Someone had taken {$500.00} out of my account at an ATM location in XXXX XXXX, CA. I have location data to prove that I was home working all day. There was also an attempted purchase at XXXX XXXX as well as a check was deposited in my name at the ATM for {$2500.00}. 

After seeing all of this, i immediately called the bank to report fraud. I was on the phone for hours. No one seemed to be able to understand what happened or how it even happened. 

I never received the ATM card in the mail, somehow someone got a hold of it and was able to activate it. Seems there are poor security measures. My account was hijacked due to poor ATM card security by the bank. 

The bank told me on the phone that they were closing my account and I would never be able to open another one with them. They said the activity on the account poses a risk to their company. They cut me off and told me they would make a decision and reach out to me when they have decided. I told them it seemed pretty simple to look at the security cameras at that ATM location to find out who it was as well as work with XXXX XXXX to find the culprit. 

I received a letter in the mail dated XX/XX/2020, but did not receive it until XX/XX/2020 telling me they are denying my claim because they didn't find an error. 

This is completely unacceptable. Through no fault of my own someone was able to hijack my mail and activate my card and steal my money. I don't think so. I will not rest until I get my {$500.00} back and more due to all of the time I have had to spend now trying to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: Experian Information Solutions Inc.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$4000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$4000.00} -This is not my account.

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 2022-04-11
Company: EQUIFAX, INC.
State: NV
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 Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: DISCOVER BANK
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
There is a discover card that was opened in my name and on my credit report it shows an incorrect birthdate because this card was opened before my XXXX birthday

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: The CMI Group, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Saw company was negatively affecting my credit score when I received no notification of debt, says the original creditor was XXXX XXXX. Never owed XXXX XXXX 's the {$590.00} they are claiming I owe them. Did not give me a chance to request validation of debt and never notified me of the debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-20
Company: FMA Alliance, Ltd.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2019 I received a notice in the mail from FMA Alliance , Ltd a debt collection company and they are attempting to collect a false debt. FMA admits to being a third party, and I never gave them consent to have my location information. My consumer rights have been violated and I demand to receive remedy for each of the cited violations. There are a total of six ( 6 ) violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied/was accepted for the Gold Delta American Express ( Amex ) card on XX/XX/XXXX, as they were offering : - {$200.00} statement credit after making a delta purchase within the first 3 months XXXX bonus miles after making {$1000.00} in purchases within first 3 months I was accepted for the card, used it on Delta flights the very first day, and met the required spend amount to get the bonus miles too. I called on XX/XX/XXXX and the agent I was on the phone with said I had fulfilled all of the necessary steps for the bonuses, and to expect them on my next statement. After that statement passed, I called again and talked to a different agent - she said I was not eligible for this promotion as I should have received a popup when I applied, but I did not, otherwise I would not have gone through applying and definitely would not have put so much on this card. I am confused and disappointed about how two agents can say two completely opposite things, and how companies are allowed to just renege on their terms that they offer.

Company response to consumer: Closed with explanation