BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-08
Company: Resurgent Capital Services L.P.
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:
On XXXX I sent a letter to LVNV funding stating i didnt not no where this account # XXXX came from balance was XXXX. On XX/XX/2023 I receive mail back from credit one stating the account was deleted it was not lvnv funding I sent a certified mail with Id and statement shown wrong dates open and closing date to all three credit bureau the account still show closed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
We received an advertisement from BoA inviting us to open a business checking account. Advertisement promised a welcome bonus of {$1000.00} for keeping a balance of at least {$20000.00} for 60 days of account opening or {$1500.00} for keeping a balance of {$50000.00} for 60 days. 
We opened a new business account on XX/XX/2023 and made a deposit of {$10000.00},- on XX/XX/2023. On XX/XX/2023 we made a second deposit of {$10000.00}, - and on XX/XX/2023 we made a 3rd deposit of {$50.00}. 
On XX/XX/2023 the balance was {$20000.00} After BoA charged a cash deposit fee of {$7.00} the balance was {$20000.00} which is also the current balance as of today. No deposits or withdrawals have been made since XX/XX/2023. 

On XX/XX/2023 I had an appointment with a financial advisor at our branch in XXXX XXXX. I showed her the letter which promised a bonus of {$1000.00} and asked her why the bonus had not been deposited after over 90 days. She went with the letter to the branch manager and when she returned she started to write on my original copy without asking if that was ok with me. She advised me that we would not receive the bonus until XXXX, XXXX, 2023. She also showed me on her computer screen that we had an average balance of {$19000.00} during the past 90 days. When I asked her how this was possible and how the average balance of {$19000.00} was calculated, her answer was I dont know, the system determines the average balance. I asked her to print this out and she replied I cant because its something internal Then she called the branch manager who advised me that we would not receive the bonus if we wouldnt leave the {$20000.00}, - in the account until XX/XX/2023. The branch manager printed out a statement from her computer and wrote the average balance onto the upper right corner.

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 2023-03-02
Company: TRUIST FINANCIAL CORPORATION
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was approved by the Louisiana HAF, after Hurricane Ida. My initial application was scheduled on XX/XX/XXXX, and processed by Truist on XX/XX/XXXX. On XX/XX/XXXX, I received notification that previously accepted homeowners were now going to be assisted for additional monthly mortgage payments and that no further action was required by me. On XX/XX/XXXX, I was able to make one months mortgage payment, which I called in to do so- Truist accepted the payment. Since XX/XX/XXXX, the status on the HAF portal states Mortgage Reinstatement Payment Remitted To Lender Or Servicer. Please Allow Up To 30 Days For Your Bank To Receive And Post The Payment. Applicant Also Approved For One Or More Future Payments, Which Will Be Paid Monthly. I waited the 30 days and called Truist, my mortgage servicer, on XX/XX/XXXX to ask for a status of my account - when I was told that theyd received a lump sum of funds from the HAF and were just waiting for HAF to advise them on how to distribute funds to each account. They told me to call back the following Thursday, XX/XX/XXXX, which I did. This time I spoke to someone who told me the same thing as the last person Id spoken to. By this point, Id just received a check in the mail for the amount of the mortgage payment i made on XX/XX/XXXX, with a notice telling me that Truist was unable to accept my payment due to my account being >3 months late. Therefore, the only way they would accept payment to my mortgage was if the full delinquent payment was made. How do they expect me to have the full amount if Ive applied for the homeowners assistance fund? Ive called Truist yet again on XX/XX/XXXX with no success in getting an update on the funds awarded to me. Fast forward to today, XX/XX/XXXX, no payments from the HAF have been applied to my account, and Truist has now reported my mortgage as 4 months late to the credit bureaus. I just need some answers.

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 2023-02-23
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from 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 non-monetary relief
Consumer complaint received 2023-02-23
Company: Bread Financial Holdings, Inc.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The original debt was with Commenity bank XXXX XXXX XXXX XXXX XXXX and from there last record the debt was paid off completely for {$29.00} on XX/XX/XXXX and I asked them to close my account due to me no longer needing the credit card. Now months later they've sold the debt to XXXX XXXX, it was charged off onXXXX and sold on XX/XX/XXXX to XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Last year our county sent the wrong amount to our mortgage company. We immediately called and told them the amount was incorrect county didnt have us as residents. We went to county on the same day and this was corrected. Then we get a notice the higher amount was paid. We called again and was told it would be corrected. County sent overages to mortgage company however we received a notice that our payment would increase almost XXXX XXXX  per month. We called again. Nothing was ever corrected. I called in XXXX and asked when we would be receiving overage? I was told they will look at in XXXX when I protested this they said they would look into. We did receive a notice that our payment was going down {$210.00} and we were owed surplus amount of {$1600.00} that is great however per their statement we need {$160.00} per month in escrow why do they need {$920.00} in this escrow account? I am a XXXX XXXX XXXX XXXX that is over 5 months? We are also in the process of removing PMI insurance. They have been using over money for over a year, also not paying us interest on our money I dont think this should be allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: ERC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Asked this company several times to send a letter to me. Started with first communication via phone call. Kept telling them I haven't received a letter which they must provide by law. They reported the debt to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Account XXXX his is for JPMCB credit department In accordance with the fair credit reporting act XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to Privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 Use 1666B : A creditor may not treat a payment on a credit card account unlearn open end consumer credit plan as late for and purpose. Please fix to show no late payments since this was your fault for understaff during covid 19 and could not accommodate pay by phone within 24 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX my son received a Vanilla gift card in the amount of {$500.00} for his high school graduation. He also received another one in the amount of {$250.00}. He did not open the cards right away as he was saving them for a special occasion. In XXXX of XXXX he tried to use the cards and they were declined. After getting on the Vanilla gift card website and checking the balance and looking at the transactions, he realized the card had been compromised. that same day I reached out to Vanilla gift card making them aware of the scam activity and they told me to file a dispute, which I did. I was told the process would take a maximum of 60 days and have been told several different dates I would receive a replacement card in the mail. I just got off the phone with them again and now they are saying the case has been closed and I never received the stolen money back. 

The first XXXXXXXX XXXX XXXX case # XXXX The second case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
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: Credit inquiries on your report that you don't recognize

Complaint:
I have attached an FTC report with an account and Inquires that I did not authorize

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 2023-02-23
Company: Experian Information Solutions Inc.
State: NJ
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the accuracy of the information on my credit report. According to my credit report, I have several negative items on my credit history that I believe to be inaccurate. 

Firstly, the charge off account with XXXX XXXX ( XXXX ) is not accurate. While I did have an account with them in the past, I was never informed that it was going to be charged off. Furthermore, I was not given any notification of the balance that was owed on the account. 

Secondly, the charge off account with XXXX XXXX ( XXXX ) is also incorrect. I do not have any recollection of ever having an account with them. 

Thirdly, the charge off account with XXXX XXXX XXXX ( XXXX ) is not accurate. I had paid off this account in full, and yet it still shows up as a charge off on my credit report. 

Fourthly, the charge off account with XXXX XXXX ( XXXX ) is also incorrect. I have no recollection of ever having an account with them. 

Lastly, the collection accounts with XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX ( XXXX ) are not accurate. I have never received any notice from either of these companies regarding any unpaid bills. 

I believe that these errors have violated my rights under FCRA, FDCPA, FACTA, TILA, RESPA, ECOA, and FCBA. I demand that the inaccuracies be removed from my credit report immediately. 

I look forward to your prompt response and resolution to this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 received i copy of credit reoport and found the following item to be " INACCURATE '' XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have already sent disputes on these accounts and nothing was resolved. You have violated the United states code law 15 U.S.C 1681 a.1.a. Code 15 U.S.C 1681 section 604 A section 2 : 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 non-monetary relief
Consumer complaint received 2023-02-23
Company: ENCORE CAPITAL GROUP INC.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I got a credit card from the XXXX XXXX XXXX  back in XXXX and I was paying it but the card amount kept going up so I stop sending payment and I ask them to send me a payoff amount I didn't receive it so it was on Mr credit report so I assumed they sold the amount to these people Midland Credit Management Inc .And wish they call me I started to them I was only deal with the company I got the card from not make a long story short this company change the Date I open the account with XXXX  XXXX XXXX to make it look I open an account with them XXXX but I didn't they changed the date and year and order to file a law suit against me I didn't get anything from them they file the lawsuit on XXXX XXXX and they put this on my credit report I feel they violated my right of privacy and they changed the date and year I didn't open up nothing with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-02-18
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 submitting a complaint to you today to inform you I was a victim of identity theft. I sent the required documents to https : //www.ftc.gov or FEDERAL TRADE COMMISSION XXXX So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX. Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
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: Account information incorrect

Complaint:
PDear Sir/Madam, I am writing to express my disappointment and frustration with the recent denial of my payday loan application with XXXX XXXX. Despite providing all the necessary information and fulfilling the eligibility criteria, I was informed that my loan request was denied. 

What is more concerning is the fact that XXXX XXXX has failed to perform and release the funds to me. As a customer, I expect a timely and efficient service, and unfortunately, that has not been the case with my experience with XXXX XXXX. 

Therefore, I request that all securities that were provided during the loan application process be returned to me immediately. I understand that these securities were provided as a guarantee of the loan, and as the loan has been denied, I expect them to be returned without any delay. 

I hope that this matter can be resolved as soon as possible, and that XXXX XXXX takes necessary measures to improve their service and customer satisfaction. 

Thank you for your attention to this matter. 

Sincerely, 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 2023-03-07
Company: CITIBANK, N.A.
State: NJ
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:
Bloomingdales fraudulently charged by account {$6.00} on XX/XX/XXXX, which I had a XXXX dollar balance. I was unaware of this charge until I received a late notice. Union receipt I called Bloomingdales which stated the amount would be refunded & all fees ( late & interest ) would be credited in full, bringing my balance back to XXXX dollars. Upon receiving the following month 's bill there were still charges, which I called again to have the matter resolved. Same story, they fixed the issue, yet really did not ... .Finally in XX/XX/XXXX Bloomingdales was finally been able to issue all credits to ensure the account is XXXX dollars. 

Please note while they issued a full credit for everything related to this matter, they did NOT remove the XX/XX/XXXX late payment from my XXXX credit report. The fact this company charged my account in error, issued all credits, yet reported a late payment to XXXX due to their lack of competency to resolve the matter in a timely fashion and will not remove their error of reporting a late payment is disgusting. A company that is filled with errors, which I as a consumer is helpless should NOT have my credit report impacted. The last payment should be removed & the company should be FINED by the government for harming consumers.

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 2023-03-15
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Please see the attached documents. 

Citibank advertised {$1500.00} cash bonus for a new account with a specified minimum deposit kept in the account for a specified amount of time. I have met the terms. On trying to resolve the issue, they claim that the promotion was valid for different dates, but I am attaching the flyer which clearly specify the dates during which I opened my account. 

This has been a horrible experience, taking up a lot of my time, causing stress and interfering with my usually peaceful frame of mind.

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 2023-02-18
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:
Im submitting this complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to the 3 bureaus directly through this platform. Here are the accounts that are erroneous in my file and need investigation : XXXXXXXX XXXX XXXX .... Balance : {$1400.00} XXXX XXXX XXXX Balance : {$1600.00}

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 2023-02-17
Company: TrueAccord Corp.
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:
This company has been emailing me about my deseased mother 's phone bill, which I'm not responsible for. I have proof they have been sending daily emails and now they're sending texts. According to the email they don't own the bill as it is too old to be on my credit and I had already disputed this with a prior company and it was removed XXXX years ago.

Company response to consumer: Closed with explanation