BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-13
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Made a mobile deposit on XXXX at approximately XXXX XXXX  at a citizens bank Driveup atm machine near my home. ATM located at XXXX XXXX XXXX XXXX XXXX PA XXXX. Made a small deposit of XXXX XXXX cash. ATM screen showed my deposit was successful. Arrived home, and accessed my citizens saving account to transfer my recent deposit to another bank. Except this deposit was not appearing. My account balance had not increased. Called the customer service number for citizens bank. Think they have an offshore call center. Was told they were having network issues, and these are being addressed. Give it a pope hours. She was rushing to end the call. It is now XXXX XXXX XXXX XXXX the next day, and my deposit still is not appearing. Account balance has not changed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-25
Company: CNG FINANCIAL CORPORATION
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XX/XX/XXXX received calls stating I owed {$1200.00} to check n go and that my checks would be garnished they also contacted my wife and she sent {$700.00} to be paid without verification. They stated loan was taken out in XXXX in XXXX KS and I was living in Virginia at the time. Phone numbers are ( XXXX ) XXXX and ( XXXX ) XXXX. They also sent an email to my wife for her to sign documents. The company that called was XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My Wells Fargo Signature Visa Card, its cancelled now, the card was used as direct pay card for my XXXX cell phone service, the bill went for my checking account. The XX/XX/XXXX statement had a billing error, a double charge from a previous month, I informed Wells Fargo, customer service disputed the 2 charges. I contacted XXXX about it, they resolved the issue with a free months service. I contacted Wells Fargo they closed the 2 disputes. Then on XX/XX/XXXX the 2 charges reappeared on my visa statement. Contacting Wells Fargo, I was informed that Wells Fargo made a payment to XXXX of {$100.00} on the XXXX. I requested a transaction number for that payment on the XXXX and still do not have one that I can use to verify XXXX was payed. XXXX  can not find that payment without the transaction number, Wells Fargo required that I pay them {$100.00} or interest will start adding up monthly. The payment was made and I still have no evidence that Wells Fargo made the payment to XXXX. I mailed 2 requests to Wells Fargo 's dispute dept. that I am attaching. First was to remove the {$100.00} because XXXX had been reimbursed by me, second was about a transaction number to follow up with XXXX for credit for a payment I can not prove was made 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 2023-09-11
Company: Jim Bottin Enterprises, Inc
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Electronic communications
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I had monthly membership at XXXXXXXX XXXX XXXXXXXX for 2-3 years. I had selected the membership that I could end anytime. I was not provided promised services. 5-6 months I was lied to so I wouldn't cancel my membership. I could never use the machines I went for. The company also forced political beliefs on me. When I went to the front desk to complain on the last day of my membership, I was confronted as if I was the person who left a bad XXXX review. I was not. I was then informed I had been lied to last couple of months. They were very disrespectful. I decided to end my membership and never come back. Since then, I got " come back '' e-mails, collection notices for the following month 's fee after my termination that I refused to go for. I wanted the XXXX to call me, they never have. I called the collectors and disputed, explained why. I asked not to be harassed again. I was told they were not going to stop and demanded me to pay something I was disputing. I told them we should go to court to resolve it. They have been abusive last 2 month. Even after I demanded them to stop, they often text me. They have called ( left vms sometimes ) 20 times between XXXX. It hasn't stopped. I communicated with both the collectors and membership services regarding to their harassment for {$75.00} fee that I should not have been charged. I reminded the Fair Debt Collection Practices Act and breach of contract. I asked for higher management and their registered agent couple of times. At all times, both XXXX XXXX and their XXXX XXXX have refused to stop harassing me to this date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Lendmark Financial Services
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX XXXX mos ago ( End of XXXX ) ..I contacted a company who I thought still had my file altho credit report showed XXXX bal tried to get title..they informed me that debt had been sold altho I was never notified... was referred to another company & then was referred to a Law firm in XXXX... they NEVER sent me letter they had file ... When I contacted them I kept asking why I was never notified... all the representive said was " You can make an arrangement or I put the vehicle out for XXXX now '' ... I felt I had no choice to make an arrangement but they never answer the phone when you call..Have been trying get ahold & only able to leave msgs for over a week..One representative finally called me back... But at XXXX ... And also I am in XXXX & They are in Washington State... They claim they are a Law firm ... XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance Owed : {$1600.00} ; XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX  XXXX Balance Owed : {$65.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022

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 2022-11-11
Company: MOHELA
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: Account status incorrect

Complaint:
Hello : Today, XX/XX/XXXX XXXX informed me that my MOHELA account was reported on XXXX and in XX/XX/XXXX. Somehow this information plummeted my XXXX XXXX XXXX points! XXXX seems to think this is a newly opened account or something else erroneous. This account is currently being reviewed for loan forgiveness and PSLF. Separately, yesterday XXXX I filed a FASFA just to inform dept. of ed that I **may** consider requesting another loan for a XXXX program. Yet, I never applied for a loan. I don't know if this is what prompted some sort of alert, but the FASFA should not be read as an actual loan application. There should have never been a credit inquiry on this action at all. I give this information because the timing is likley not coincidental. I don't know what exactly has prompted my credit score to be negatively impacted, but I am asking Mohela to promptly submit a correction to all 3 bureaus. I have worked *extremely* hard to fix my credit in the past years as I am recovering from long-term illness, layoffs, and divorce. This is incorrect information and it is impacting my livelihood. Please correct this immediately. My credit score was XXXX with XXXX as recently as 2 days ago. I will be filing similar complaints with the credit bureaus, the dept. of education, the attorney general and any other entities. In one day my score was dropped XXXX points and I had no warning or any disclosure that this would happen. I have already submitted a dispute to XXXX on XX/XX/XXXX. At this time XXXX and XXXX do NOT show this negative action, but I presume they will eventually. Please alert them to not consider this action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: Kikoff Inc.
State: GA
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:
Dear Sir/Madam, I am writing to you in reference to my account with your company, which has been reported to credit bureaus as having late payments. I am aware that the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1666B and 15 USC 1637b, protects me from incorrect and unfair reporting of information by creditors to credit bureaus. Upon reviewing my credit report, I have noticed that your company has reported late payments on my account. I would like to remind you that this is illegal under FCRA regulations, and it has negatively impacted my credit score and ability to obtain credit from other sources. As per FCRA regulations, creditors are required to report accurate and timely information to credit bureaus. Any inaccurate or unverified information must be removed from my credit report immediately. I demand that you delete the derogatory payment history from my credit report and provide me with a written confirmation of the same within XXXX of receipt of this letter. Failure to do so may result in legal action being taken against your company for violating FCRA regulations. I urge you to take prompt action to rectify this situation and avoid any further consequences. I look forward to your prompt response and resolution of this matter. Account information : XXXX XXXX XXXX balance {$32.00} 150 days late Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-11
Company: FIFTH THIRD FINANCIAL CORPORATION
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since the end of XXXX, I have tried multiple times to log in and pay my mortgage through 5/3rd 's online payment system, through which I have made multiple previous payments without incident. The number they give you to call to resolve the issues doesn't allow you to speak directly with the appropriate department. After multiple calls to 5/3rd bank , they informed me that they were updating their systems, and they were unable to verify my identity due to the lack of a phone number or email address on file. After finally getting in touch with a representative were informed that it would take 30 days to verify our phone number and allow us to log in ( making our mortgage late ) and then we would have to call back in 30 days to ensure that 5/3rd had processed it. We verified our identities over the phone ad added an email and phone number, only to try and log in again and have it not work. We called back and were informed that there was no email or phone number on file and that we'd have to wait 30 days again. Once We started speaking to the supervisor he gave us a bunch of lip service and advised that the first time we spoke with someone none of the information we verified or input was there and that the rep that transferred us to him had misinformed us that it was only 14 days. They rolled out this new security update without notifying their customers in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Im submitting a complaint to you today to inform you that I was the victim of identity theft. I researched how to remove the fraudulent inquiries and Personal information from my report and found that I needed to visit the Federal Trade Commission, or https : //www.ftc.gov, to file a report. Credit reporting agencies are required by FCRA Section 605b to remove or block any inquiries and Personal information listed on an ID theft report. Please see the attachments for assistance in blocking the incorrect information that is being posted to my report. 

These are the following lists of inquiries and Personal information that do not belong to me or were opened without my permission : XXXXXXXX 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 XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX According to FCRA Section 605B ( a ), the credit reporting agencies shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-11-11
Company: Experian Information Solutions Inc.
State: PA
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 XXXXXXXX Address XXXX XXXX  XXXX, PA XXXX XXXX ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Joint Account Account Type Mortgage Account Last Payment Made XX/XX/XXXX in accordance with the Fair Credit Reporting act 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 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 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX {$9700.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1900.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$580.00} XXXX XX/XX/2022.

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 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance : {$1700.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$3000.00} ; XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-11-11
Company: EQUIFAX, INC.
State: AL
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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-11-12
Company: EQUIFAX, 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:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation