BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-25
Company: EQUIFAX, INC.
State: NM
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 the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$350.00} XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$760.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} 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 an alleged identity theft, not later than XXXX business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: FULTON FINANCIAL CORPORATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Fulton Bank upgraded their mortgage servicing platform XXXX of 2022. My regularly scheduled mortgage is drawn via XXXX on the first of every month and XXXX provided notice that this would only occur on the XXXX of XXXX due to this upgrade. Following the upgrade our regularly scheduled principal curtailment was not pulled as part of the XXXX on the XXXX of XXXX. We contacted Fulton and were told this would be an automatic payment the following week as the system finished being set up. The curtailment payment was not withdrawn via XXXX the following week as we were told. We again contacted Fulton Bank and requested they process this payment. We were told that they were unable to assist us with this and we would need to come in to sign an External account agreement form, which we had previously done 2 years ago. We asked to speak to a manager who stated they would process the curtailment payment. We stated multiple times that this curtailment was to be backdated to the 1st of the month to match the original payment. We were told this would be backdated. Once we received our statement for the month, the curtailment payment was not backdated to the first of the month. We have attempted to call Fulton Bank, for the 3rd time to resolve the on going issue, and waiting on the phone over XXXX minutes to be assisted in fixing this issue yet again. Fulton Bank and Fulton Mortgage have been nothing but a problem throughout the entire mortgage process. We will be removing all of our personal business with Fulton Bank after this even despite having been employed by Fulton Bank for over 6 years.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-22
Company: HCFS Healthcare Financial Services of TeamHealth
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A medical collection bill I have been disputing has been duplicated by a new company. This debt is not owed and have never been validated ARS Account Resolution and XXXX XXXX XXXX XXXX are trying to collect the same debt for a company named XXXX XXXX XXXX I do not know who this is and have never received a debt vallidation letter

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 2022-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In the month of XXXX & XX/XX/2021, I sent letter to all three agency XXXX, Transunion and XXXX disputing accounts eastern account system for the amount of {$100.00} and XXXX acct # XXXX, XXXX XXXX {$29000.00}, XXXX XXXX {$230.00}. I stated that these accounts are inaccurate, not my accounts and I did not give permission for these accounts to be reported on my credit report. which this is a violation of the FCRA. XXXX removed all accounts listed above. this is unauthorized uses of credit report. How this information is this verified or accurate if its only one creditor.

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 2022-10-07
Company: GOLDMAN SACHS BANK USA
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hello, I have a savings account with Marcus and the account was locked without notice in writing or phone call over the connection to another bank. The company failed to follow procedures correctly as the account was confirmed via XXXX as a Personal Account. This was done on XX/XX/XXXX - the representative asked for me to call them back but did not indicate the account was locked nor indicate an urgency in the message. When I called them back on the XXXX, the representative was not aware of the reason to the call, did not inform me of any issues on the account and could not give me a timeline when the rep who sent me the email would be available. 
I informed the rep that I did not have unlimited time to wait and expected a direct call back or email, none of which happened. There was no notice that my scheduled credit card payment would not be made. The payment to my XXXX Credit Card at XXXX Bank was declined result in a late fee of {$29.00} and Finance Charge of {$3.00}. The company refused to accept any form of written evidence of the charges and made me take time over the phone to verbally detail each item. I then received another call ( t XX/XX/22 ) to call them back and then learn verbally that finance fee reimbursement was denied behind reasoning that was flawed and continued their non-transparency in dealing with me. I am expecting a refund of my fees paid to XXXX in the amount of XXXX to be reimbursed by Marcus for non-communication. I have attached the credit card statement with fees and the returned payment confirmation. The company made no effort to fix this matter and made no disclosure of a closure despite the fact that I was in full compliance- even their email to me indicated a request for a call back without time frame and did not indicate that the account was not sending funds. They did not communicate in an open and transparent matter and did not trust their technology to verify the legitimacy of my accounts, leading to the financial penalty that I incurred. I have attached a copy of the fees incurred as a result of Marcus ' actions...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
if they XXXX XXXX can put in the comment area of their report that creditor did not ans health ins inquiry, and that's why its not getting paid. 

XXXX XXXX car had gap and was not paid

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
if they XXXX XXXX can put in the comment area of their report that creditor did not ans health ins inquiry, and that's why its not getting paid. 

XXXX XXXX car had gap and was not paid

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 2017-07-22
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was dealing with XXXX XXXX in XX/XX/XXXX to maybe XX/XX/XXXX(? ) til then the school filed bankruptcy and closed that I went too. I am STILL dealing with these loans that I took out in XX/XX/XXXX. I made payments for several years of {$750.00} a month. Somehow 19 years later.. I owe XXXX XXXX dollars when I only borrowed about {$18000.00} because the rest were grants. And I paid monthly payments. School shut down.. XXXX XXXX sent me a letter saying XXXX balance, then years later started getting letters again from Fed Loan.gov and Navient is on my credit report. NO ONE LISTENS. It was a XXXX XXXX. 20 YEARS AGO. I DO NOT OWE {$100000.00} DOLLARS!!!!!! I was XXXX ... I am now XXXX..it has HAUNTED ME my entire life!!! TOTAL SCAM. THE LADY NOW OWNS A NEW XXXX XXXX IN THE AREA!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Accounts Receivables, Inc. (FL)
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was in a car accident in XXXX and thought all of my medical bills were paid from my settlement. I NEVER received a bill from XXXX XXXX, I never received a call from them, they never reported the debt to any credit reporting agency -- They just sued me in XXXX. I thought this was settled and done, I didn't think I owed any money because I told the lawyer how little money I had at the time and my health, I had a XXXX not long after this. There was no mediator in the room with us, it was just me and the lawyer, I don't think that was right. It doesn't feel right. I didn't understand what was happening and yeah, I understand that I signed the paper but I did so under false understanding. There was no third person in the room with us to be an impartial party. Since that day in court, I haven't heard anything from this, I have received NOTHING stating I owe XXXX XXXX and the only calls I've received are robocalls that don't even include my name so I assumed they were spam. I was not properly notified and now they are garnishing my wages and refuse to work with me when I reach out. As soon as I was aware of the debt I reached out. The garnishment is preventing me from paying other debts I knew and agreed to and my credit score has dropped over 100pts.

I really think there should have been a mediator, I feel like if there was a third party in the room they probably would have made sure I actually understood what I was to do and none of this would be happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Company: Experian Information Solutions Inc.
State: TX
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:
I disputed inaccurate negative information being reported to my credit report on XX/XX/2021 and did not receive any investigation results and these inaccurate items still remain on my credit report. They are in violation of the FCRA for not performing an investigation as I requested. The following unverified information still remains on my credit report : XXXX XXXX XXXX XXXX XXXX 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 2022-01-26
Company: Experian Information Solutions Inc.
State: AL
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:
Ive been trying since XX/XX/2018 to have information verified for bankruptcies listed on my credit report. The bankruptcies arent showing the accurate information and is missing information as well. Ive been place into the Speciality Dept and have been speaking with XXXX XXXX previously. Today I spoke with a rep named XXXX in which she called the XXXX bankruptcy line by my request and it listed the information. She stated if it was incorrect she wouldnt delete it she would update it to reflect the correct and missing information. After the call she stated the information was accurate even after listening and she also refused to further investigate to get the missing information. I even suggested she contact the attorney for the correct information and he words were Im not going to argue with you. These accounts arent being fully investigated. According to the CFPB guidelines no inaccurate information should remain.

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 2022-10-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am aware, consumer reporting agencies on a nationwide basis must maintain a joint notification system. I, the consumer have reason to believe and do so believes, this subsection was enacted to maintain maximum possible accuracy amongst consumer reporting agencies. This information for the accounts listed below on my consumer report do not match other consumer reporting agencies shown in Exhibits B, G, I &, K, which means your company has failed to maintain reasonable procedures to keep a joint notification system and is in violation of 15 U.S.Code 1681b ( e ) ( 6 ). These accounts must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
the risk dept at bank of america closed my acct -- -this had to do with me being massive victim of gang crime gang stalking mud slinging incuding financial fraud identity theft burgaries theft etc..and complete lack of needed legal representation -- -i was customer since late XXXX XXXX XXXX which was late bought by bank of america -- -- after suffering from latest crime when all of my checks were taken i decided to chg account num -- they chgd my acct num -- then within couple of weeks after this happened or after 2 weeks  after XXXX XXXX-2017 apx -- -my crd stpped wrkg -- my online bnkg stopped responding and i learned they closed my acct -- they did give me my money back after i alrdy ordered new checks telling me to resolve my chk order with XXXX -- is there anyway to sue bank of america and wht kind of case wld this be??? -- i opened the new acct by XXXX  as instrctd by XXXX XXXX mgr

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 2020-04-21
Company: CITIBANK, N.A.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In late XXXX, 2020 I purchased a personal computer from Best Buy at which time I was told I could not pay anything for 18 months if I applied for their in house credit card. 
I decided to accept this offer. 
In XXXX I began trying to pay the balance ( {$1200.00} ) in whole as I had the funds In XXXX after several unsuccessful attempts to contact the company and make payment I started receiving mail telling me I had a " late payment fee ''. 
This is deceptive practice initiated by a large corporation. Action against these companies is necessary in maintaining order in our economy and protecting 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 monetary relief
Consumer complaint received 2022-10-07
Company: Westlake Services, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I have a car loan with Westlake financial. The car has been repoed an they have called me literally 10 times a day since the car was repoed and I have already explained my situation with them. Last night was the last straw for me with this company. Here is the email I sent them this morning to file a complaint for harassment about a guy that called me last night from their company : Last night I had a phone call with someone from collections name XXXX XXXX. His attitude and yelling at me about my car and my situation were unacceptable. I'm personally going through a hard time right now. I have became the primary caregiver for my XXXX XXXX XXXX grandmother who recently has XXXX  her XXXX. Needless to say between caring for her, my XXXX daughter, and my XXXX XXXX XXXX son. I have not been able to work as much and my car is now in a repo situation. When I received the call from this man with westlake financial last night I was very emotional and upset to say the least. Our conversation made me even more upset and in distress. The way he talked to me was offensive and I did not appreciate his tone. I was clear that I was not in a mind frame to deal with anymore stress. Finally after he argued with me about my car and claiming that I was requesting to defer XXXX  months of payment which I was not asking for, he transferred me to a new person. She was a woman who was nice and kind. I ask that you go back and listen to this conversation between XXXX and I. And also listen to the conversation between the female I spoke with last night and you will hear the world of difference between how he treated me and how she treated me. He was abusive in his tone and argumentative with me during a time when I needed a compassionate and caring person. I understand that my situation has caused my car to be repoed and for that I'm sorry, however no one deserves customer service like I experienced last night no matter of their financial situation. I was upset and I did yell, and cry and everything else, however his response to my stress was unnecessary and some of the worst customer service I have ever had in my life. I did not deserve to be treated the way he treated me. This situation with this car has caused me extreme emotional and mental stress and I'm trying to find a way to solve all of this. I have cried many nights over all that has gone and I've been able to sleep, his actions caused me even more mental and emotional distress. If you need more information regarding this please contact me at 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 2017-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have notified all 3 credit bureaus that they are reporting incorrect personal information about me and it is very confusing to creditors. The following information is to be reported and nothing else. I need all 3 credit bureaus to remove all other names and addresses immediately. The following information is the correct information to be listed.
1. XXXX XXXX XXXX. There are to be no other names nor spellings. No alias should be listed.
2. XXXX XXXX XXXX.
XXXX XXXX, CO XXXX No other addresses should be listed as i reside at this address and have for a number of years.
3. Year of birth. XX/XX/XXXX 4. Phone number is private. Remove all numbers listed.
5. Employer should be listed as XXXX XXXX as an XXXX XXXX.
All this information should be listed on all 3 credit bureau reports just as i have supplied. This shows creditors solid, cohesiveness on my credit reports.
I have asked for this to be reported correctly and the bureaus ignore my requests.

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 2022-10-07
Company: KEYCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I did a mobile deposit of a check to Keybank through their mobile bank on Thursday XX/XX/XXXX, when I deposited the check I got a prompt saying my funds would be available on Friday the XXXX. When the funds weren't there I contacted the bank and they told me that my funds would be available until the XXXX taking a hold of XXXX days to my deposit. 

I talked to them and told them that although terms and conditions on my account do mention the possible hold while depositing a check, the prompt on the app saying my funds would be available the next day if I did a mobile deposit was misleading. 

The supervisor at the contact center told me that if that was the case, it would be misleading. Upon checking what the prompt said he confirmed what I said was correct and said that indeed, information could be " clearer '' but that he could not do anything about it. 

Now I stand with Keybank holding my funds and no access to them for what I consider to be negligence for their error while drafting the information on the prompt or misleading information if purposely placed liked that knowing it differs from the information on their terms and conditions that I signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Someone from XXXX bank called our house looking for my husband and said they sent court summons to attempt to collect a debt and did not. We do not know about any XXXX debt or line of credit. They threatened to attach my wages being his current wife. No attempt to reach us has happened and they said it was a debt from 2001 They wanted me to settle over the phone for XXXX giving me a case number of XXXX. My husband has no knowledge of this debt unless his ex wife took it out. The phone number was a dispatch dept. 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