BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-01
Company: Experian Information Solutions 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 status incorrect

Complaint:
Since agreeing and taking an auto lease with XXXX there were problems in my monthly payments not being processed. Every payment made came back between 2 and 6 days later as " unable to process '' notifications, sent to me via email. I have since XX/XX/2019 had multiple calls with the XXXX XXXX XXXX XXXX XXXX in order to resolve this processing failures. Each time I was assured it was corrected, which was really simply a manual processing of my payment over the phone. Attached is the letter sent to XXXX along with the processed payment confirmations and subsequent processing failure notifications. These resulted in 1 for XXXX, XXXX attempts in XXXX and 4 attempts in XXXX - when finally XXXX decided to delete and re-load my profile, correcting the problem. 
My monthly rate has been {$880.00} and has been paid diligently, however XXXX took the failure on their side to action a late payment on my credit report, impacting my credit score severely. I am in the process of trying to secure a mortgage and only noticed this impact once starting the process. I have contacted XXXX and there seems to be no sense of urgency to resolve this very urgent matter.

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 2020-10-01
Company: Experian Information Solutions Inc.
State: FL
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:
Experian and XXXX  credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine.

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 2022-10-02
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The US Dept of Education had been inaccurately reporting debts to my credit report. I disputed these accounts twice, once over a year ago and more recently this year. Each time the US Dept of Education affirmed they were reporting accurately. There are numerous reasons why each of these accounts MUST be deleted from my credit report immediately. Here is a list of all the US Dept of Education accounts being disputed : U S DEPT OF EDXXXX Account XXXX XXXX = {$590.00} Account # XXXX = {$3500.00} Account # XXXX = {$2100.00} Account # XXXX = {$340.00} Account # XXXX = {$1400.00} Account # XXXX = {$1400.00} Account # XXXX = {$1500.00} Account # XXXX = {$2900.00} Account # XXXX = {$2500.00} Account # XXXX = {$2500.00} Account # XXXX = {$4400.00} Account # XXXX = {$4500.00} Account # XXXX = {$630.00} Account # XXXX = {$2500.00} Account # XXXX = {$2500.00} Account # XXXX = {$2400.00} Account # XXXX = {$3900.00} Account # XXXX = {$1100.00} Account # XXXX = {$2500.00} Each account has been reported twice to my credit report therefore placing twice as much harm on my financial status. 
The wrong balance is being reported with each account MOST EGREGIOUS : Every account has been deliberately RE-AGED -Stating these accounts were opened on XX/XX/XXXX. This is inaccurate and NOT POSSIBLE as I Graduated college in XXXX. All these accounts were opened between XXXX XXXX and all over 7 years old therefore by law MUST be deleted. 
I will be attaching proof of when these accounts were opened, therefore proof all the accounts have been RE-AGED in a deliberate scheme to cause me harm. YES, I WILL BE FILING A LAWSUIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
MBA law placed two collections on my consumer profile totaling over {$6000.00} stating they were due and owing at the time. I then receive the " bill '' that showed a total balance due was only {$0.00}. After pointing this out the falsified debt was then placed with XXXX with different dates. This company recently admitted to being " XXXX XXXX  '' which is conspiracy and conflict of interest by itself. They have finally removed it after many disputes yet have since allowed access to this confidential information to other companies. This company has affected my financial health severely by submitting false accusations of debt with forged bills and polluting my consumer reports and is still requesting hospital release forms from 2017 and sending me private HIPAA protected information out such as financial responsibility forms in an attempt to justify the fraud they have committed despite knowing that the debt was paid by medical insurance as shown in their falsified bill. This company is causing me XXXX and mental anguish by not taking responsibility for their actions. I am severely worried about the financial statement as they have shared falsified bills enough times already and since they have cropped out the hospitals name on the financial release form, they might sell that form for other companies or even themselves to torment me even more. This company not only has caused me to lose faith in the economic system of the United States of America, but makes me no longer want to voluntarily participate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 have been gotten bill from a debt collector that I don't know of then I check my credit and fount account that do not belong to me, my identity had been stolen, this report is been file to clear my name.

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 2015-03-30
Company: CITIBANK, N.A.
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I lost my job XX/XX/XXXX, so we reached out to CitiMortgage for a loan modification. We started the process in XXXX. After fulfilling all their requirements, the modification was completed XX/XX/XXXX. However, their modification was to extend the term by 10 years ; raise the interest rate from XXXX to 4.375 % ; add a deferred XXXX for {$16000.00}, thereby lowering the XXXX mtg. to {$290000.00} ( house only appraised at {$290000.00} ) ; and saving a mere {$190.00} a month. We are in our XXXX and this is the rambler of our dreams. I expressed my concerns about CitiMortgage not putting any " skin '' into the game, but was told this is the only offer. During the process, their electronic system would issue duplicate notifications requiring signature of receipt which meant several trips to the post office. In addition, the new note, etc. have my name incorrect as a result of their error on the previous HARP loan we did with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I HAVE INFORM ALLY and the credit companys that this account does not belong to me yet they still report this as if its my debt.

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 2020-10-01
Company: Kashia Services
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XXXX of 2020 I took out a loan for {$600.00} with SOLID OAK FINANCIAL SERVICES and was paying it back via automatic withdrawals. I however became unemployed due to COVID and advised the loan company in XXXX i would resume payments whenever i financially could. I NEVER received any documentation after that. My employer received a garnishment request in the amount of {$1900.00} from XXXX XXXX. There were no court documents filed. I never received an opportunity to dispute and or settle the debt. and when calling XXXX the only options they give me is to refer to my original loan agreement which was NEVER provided by Solid Oak Financial Services. XXXX also told me the only way I could stop the garnishment was to pay the {$1900.00} in full. I have yet to receive any documentation supporting these actions, time or opportunity to dispute the garnishment and proof of court filings for the garnishment proceedings. 
TO add the original loan amount of {$600.00} HAS BEEN PAID the outrageous amount of {$1900.00} is supposedly fees and interest!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Your office advised on  XXXX / XXXX /   17  that a missing items letter was sent on  XXXX / XXXX / 17 , which that letter has still yet to be received - we were told we had until  XXXX / XXXX /   17  to provide the missing items which were 30 days of consecutive paystubs - we were told today  XXXX / XXXX /   17  that the file is complete and those docs needed were in fact received on  XXXX / XXXX /   17  as stated in the missing items letter - today  XXXX / XXXX / 17  we were advised that the file is complete but the review would not be completed and the sale would not be postponed for the review because it was to close to the sale date of  XXXX / XXXX / 17  - this file is being deemed complete in accordance with your missing items letter, therefore the file 's review should be completed in accordance with RESPA and you r OWN  missing items letter.   Please consider this correspondence to be formal notice that our mutual client is hereby appealing the denial of loan modification because your company failed to provide the required notice of additional required documents w ithin five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore, this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ). Please suspend foreclosure during this appeal in accordance with Regulation X, 12 C.F.R. 1024.41 (  g ).

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 2017-10-12
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
previous filed complaint with CFPB # XXXX on XXXX XXXX, XXXX and referred me to FDIC and now FDIC referred me back to CFPB because the problem is XXXX which need to correct the data report. 

At first when I tried to open a bank account with other bank and was declined due to the report from my previous XXXX XXXX XXXX Bank marked it paid which is not indicated what type of paid that what I was informed from the bank declined me. Now the invested were completed from FDIC and revealed that the XXXX XXXX XXXX bank did n't report any negative report after the closing filed from first FDIC XXXX XXXX. No. : XXXX ) but when I tried to open bank account with other bank and still indicated paid which no one know what type of paid so I contacted to FDIC again and final investigate indicated from the XXXX XXXX XXXX Bank XXXX XXXX XXXX did n't pay for any charge off and indicate the paid was XXXX that mean XXXX did n't pay for charge off. and since XXXX still have the negative report on my credit report so FDIC told me to file the complete to CFPB because your company is the XXXX dealing with XXXX. and also about bank fraud. I filed the police report about bank fraud for the XXXX XXXX bank after I able to get the phone number from my XXXX and found out about the report about XXXX XXXX bank fraud and scam which I enclosed all the attached here with. XXXX have to clear my report on my report data because it causes me damage to not able to open an account since i am the victim made by XXXX XXXX bank. see from my search attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have tried to open a PNC bank account and neither would PNC or XXXX XXXX XXXX would not tell me why I could not open the account. I had one issue in the past with a credit union which was solved and reported to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: Monex Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
My name is XXXX XXXX and I am the business owner of XXXX XXXX  XXXX XXXX XXXX, a small business located near XXXXXXXX XXXX. We have been a customer of a company called Monex/Tempus since XXXX. Their website is XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, Monex/Tempus wired {$34000.00} out of our business checking account. This was followed by another transfer on XX/XX/XXXX for {$43000.00}. These were fraudulent transfers as they were not authorized by me. 

The events started on XX/XX/XXXX, when a fraudster accessed my XXXX XXXX account and sent an email to our contact at Monex. The fraudster requested for Monex to change our vendor beneficiarys bank information and to wire XXXX XXXX to this new beneficiary account. On XX/XX/XXXX, the fraudster sent another email to Monex requesting another wire transfer to another vendor in the amount of XXXX XXXX. Monex then replied to the fraudster and stated that Monex needed to confirm beneficiary account changes over the phone. The Monex rep then asked the fraudster if he was available to speak. The fraudster replied that he would call the Monex rep back during his work breaktime. Monex then sent another email to the fraudster shortly after stating that Monex was trying to call him to verify the beneficiary change but that no one was answering the phone. The Monex rep then asked the fraudster to call him back. This was a big oversight on the part of the Monex rep. He should have never requested the fraudster to call him. Monex should have called me on my office or cell phone to make sure I was the one who requested the transfer. Instead, the Monex rep allowed the fraudster to call him back. The Monex rep then assumed it was me and completed the transactions. 

My bank was able to retract the second {$43000.00} wire because I called them within a 24 hour period. However, the other unauthorized wire of {$34000.00} has not been returned to my account. Monex is offering to return to me only {$10000.00} out of the {$34000.00}. This is unacceptable to me as this transaction was never authorized by me and Monex is responsible for sending the wire. It seems very obvious to me that this loss could have easily been prevented by Monex if they had taken the proper steps to verify the identity of the caller. 

I am writing to ask for your assistance with helping me recover from Monex the {$34000.00} that was taken from XXXXXXXX XXXX XXXX XXXX  business checking account. I believe returning the funds to my account is the right and fair thing to do. I would sincerely appreciate any assistance you can offer me. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: SYNCHRONY FINANCIAL
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: Information belongs to someone else

Complaint:
There is an account with Rooms to Go that does not belong to me, and will not be removed off of my credit.

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 2020-10-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
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:
Citizens bank loan, now owned by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX has me served papers by Law Offices of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am on a monthly payment agreement with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX to pay off this debt. I am in the process of trying to obtain a mortgage and repairing my credit. I pulled my report from all 3 credit bureaus and the monthly payments are not being reported and the new balance is also not being updated every 30 days after I make a payment. I have attempted to send certified disputes and called citizens bank, XXXX XXXX and XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX and after 4 monthly payments my 3 credit reports are still not updated. They can not report an incorrect balance until it is paid off. This continues to show higher amounts than what I really owe after I make my monthly payment. I have other charge off accounts that are on payment plans and monthly payments and balance is updated monthly. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX has informed me that they do let XXXX XXXX know every month when a payment is made because this is under a stipulation agreement with the courts and if I do not pay monthly it will turn into a judgment against me and as I am trying to repair this I do not want a judgement and have made my payments ever month. Please call XXXX they will verify my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
My citi credit card information was stolen in XXXX XXXX, and I reported the fraud case in XX/XX/XXXX. I requested a new card for replacement, but I did not receive the card until XXXX XXXX. During these four months, I had called the credit card center several times ( like 5 times at least ) to deal with this problem, and they neither process my fraud case nor give me a new card. Because of their unprofessional ability, I was charged for 3-month late fees and interest charges. Furthermore, the customer service I just called was so rude and impatient and even interrupted my talking several times. She said that my account was closed by bank, while I went to the bank and the bank said they did not have any access to credit card nor close it. The credit card center even could not reopen my account. I do not know what they can do other than collect money from me. I really felt that I was mistreated by the customer service representative because I was not an American citizen. I just cleared my balance on my credit card account and do not want to deal with citi credit card center ever again.

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 2016-05-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
USAA Bank closed my checking account due to attempted access by an unauthorized company. I disputed it and eventually had to have CFPB to resolve it. USAA closed the account but did not open another account for me due to the attempted fraud.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX  and TransUnion credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine.

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 2023-03-27
Company: ALLY FINANCIAL INC.
State: LA
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:
Reporting an inquiry I did not give permission or my information to this company ally financial

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 2017-01-12
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: Billing statement

Complaint:
1-Citi Bank who services Macy 's Credit Card continues to email me my statements without my permission and despite my contacting them numerous times to stop. 
2-Since Citi Bank has been serving my Macy 's Credit Card, they do not follow the agreed upon terms of 30 days revolving and the dates fluctuate from 28-34 days by doing this my payenents are n't applied correctly resulting in late fees ; Citi Bank also accepts the payment on time online then purposely drop the payment resulting in late fees

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