BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-24
Company: EQUIFAX, INC.
State: DE
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 and submitting this letter of my own accord and without any assistance from third party involvement. The CFPB has my authorized permission to investigate this complaint for me. I am a victim of identity theft and I demand that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible! 

These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: REVERSE MORTGAGE INVESTMENT TR
State: NJ
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
A reverse mortgage for {$330000.00} was taken out on a home that was owned by myself XXXX XXXX XXXX and several other people without our permission. After the home was sold in 2019, there were almost no proceeds to distribute to the those heirs due to this loan. The loan was obtained through Reverse Mortgage Funding, LLC.

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 2021-12-24
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have been denied access to my online mobile banking app. The financial institution has placed a block and wont allow me to log in. They are restricting my access. I need access to do an external bank transfer and get my funds transferred to my other bank. I can not do this without logging in. I have spoke to 3 different people that cant help. They wont give me information, wont lift the block, telling me there are no supervisors available, etc. 
I have a family with XXXX little children. I have close to {$3000.00} in my checking account that they wont give me access to. This is also a new checking account and I have not received my bank debit card yet so I cant use an atm. There are also no Citibank branches where I live here in Texas. This is bank negligence and the institution needs to be held accountable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-15
Company: JPMORGAN CHASE & CO.
State: WY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I lost my job and my skills won't allow me to get a job until the economy opens again ; who knows when that be. I asked Chase to not allow interest to accumulate on my account. This must be done in order for me not to go bankrupt and suffering Chase for non-payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-24
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
We have been a victim of Bait And Switch! We relied on the information shared and promised to us when considering this Sam 's Club Member Master Card. We were provided WRONG and MISLEADING information from the bank rep and representatives that were there on site for their " holiday contest '' for credit card submissions. 

We have tried to contact the store and the person ( XXXX ) who coaxed us into this but no one has returned our calls. 

We feel like we were completely misled and flat out " duped ''. 

We were promised an immediate {$100.00} bill credit upon approval of the card. In fact, there stated it would be placed on the account before the first statement once the card was approved. In fact, they were encouraging us and other customers to go spend more since the credit was automatic. 

This was clearly WRONG information as our first statement came and the credit was not there. We trusted and relied on the information that was shared with us. 

We have tried to work with Sam 's Club as well as Synchrony. Sam 's Club has yet to return a call and Synchrony just confirmed the information was not correct and apologized. They did not take any consideration for the " bait and switch '' techniques that were being utilized to get applicants. 

At this point in time, we are asking for assistance to address this inappropriate measure to lure applicants, their failure to provide any documentation and/or disclosures in writing as well as the promise of what we were told. 

We are asking for the {$10000.00} immediate statement credit as promised. Again, we were told to spend " more than {$100.00} that day and we would see an immediate statement credit of {$100.00}. 

Also, seeking assistance to further investigate these inappropriate practices as I am sure other customers have experienced the same thing. 

Contests and incentives should not be used to build credit card accounts especially when misleading and inaccurate information is being given to the 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 2021-12-24
Company: Revenue Enterprises, LLC
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The initial notice from Revenue Enterprises ( RE ) was received XX/XX/21. I sent my notice via certified mail disputing the debt 's validity and requesting Validation and Verification on XX/XX/21 ; it was received by RE on on XX/XX/21. 

RE ignored this notice, failed to validate and verify the debt, and mailed a 2nd notice ( received XX/XX/21 ) claiming the the debt to be collectable and threatening interest. I mailed my response via certified mail on XX/XX/21 refuting RE 's claims and notifying them of the Fair Debt Collection Practices Act violation. 

At this time, RE has made no attempt to validate the debt or met my requests that were made in accordance with the FDCPA.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX it was brought to my attention that I was over insured on my residence by XXXX. I was paying almost triple the premium needed for my home and mortgage. My attorneys are now investigating where this payment issue started. We are trying to see if this request for insurance was the request of SLS, the mortgage company. In the meantime, I connected with SLS once the new new insurance was issued and my mortgage payment was reduced by almost XXXX a month. In additon, they informed me that they would be doing an escrow analysis and I would be hearing from them with the amount. 
On XX/XX/XXXX, a check was issued for {$17000.00} from SLS to me. 
The check was number XXXX. The check was never received by me. I called numerous times and finally on XX/XX/XXXX, I received a letter from SLS stating I had not cashed the check and would I like it reissued? I called immediately and they said they would stop payment and re-issse check. It would take 6 weeks. I offered my fedex account, wire, etc. and they said this was their process and mail was the only way. 6 weeks to the day I called again because no check. I even changed my adress to make sure I received the check. As a matter of fact, I received other mail from them including bills and statements. I called six weeks later because no check arrived! I was told that the check request never went through and they would put it through immediatley. Now it would take ten days! I called every week and then every day. Each time a different story. They would say they did not see a new check request, or it takes up to 4 weeks, on and on. Finally, 8 MONTHS later, on XX/XX/XXXX, I spoke to a represenative who advised me a check was issued and it was in the mail! She said she was looking at a copy. I checked the mail every day and it arrived 7 days later for {$10.00}, XXXX less! The check was for {$7600.00} without a letter, notice or expalnation. Imagine never calling or explaining. When I called and had to leave ten or more messages, and call very day before a call back, I demanded a supervisor and would be put on hold for over 40 minutes and asked to repeat the story over and over. I was told they made a mistake they should have never mailed the money. It was there error and this is all I was getting and they put the XXXX back into my escrow account. I asked what if I received and cashed the check in XXXX -- - NO ANSWER! This is unacceptable and all they were to be doing is issuing a replacement check. WHY did they take my money. I expected this money and need this during this finacial crisis. each time i call and get a suoervisor they say the escrow team is looking into it and they will call back at XXXX the next day -- NO CALL!!! if they do, we start all over again. PLEASE HELP!

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 2020-04-15
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:
I recently went over my credit report and I was shocked to see that there are some inaccurate accounts being reported on my credit file. Those derogatory accounts are not mine and I have no knowledge of those accounts. I have no knowledge of how someone would have access to my credit report and because of this, I have no chance of acquiring any new credit. Please conduct re-investigation into this problem and have those derogatory accounts removed off my credit file

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
This is an on going problem. I have been submitting complaints for the last month. Here is the evidence of wrong doing by Equifax, they have placed some type of mortgage on my credit. There is no information provided pertaining to this mortgage that does not exist. Someone from Equifax placed this mess on my credit report to ruin my credit. I have requested the information for this mortgage. The mortgage, company, name address, phone number and amount. They can not provide this information due to a mortgage does not exist. It never has. Take all of this mess off of my credit today.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: Consolidated Recovery Group, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XX/XX/2019 I received a letter at home from consolidated recovery stating that I owed over 9000 in a chargeback for a XXXX XXXX merchant account and that it would be put on my credit report. Immediately called the company and asked what this was about, they said that if XXXX XXXX XXXX paid this I would have nothing to worry about, and didnt explain it any further than that. So I went to work at XXXX XXXX XXXX and told the company OWNER - which I am not, I was just an employee, that they needed to set up a payment plan for this debt. Which they did and sent checks under the company, this was never paid by me personally. Come XX/XX/2019 I notified consolidated recovery I was quitting XXXX XXXX XXXX  and gave them the contact information of the owner of the company, and they tell me then that if the company stops paying that I am personally responsible for the debt, per the agreement I signed. I explained to them I never signed an agreement and asked for a copy of this agreement. Once I received it I explained that I never signed this nor did I do this. I also asked since my signature isnt on this agreement if anyone could have done this. And the representative said yes. So again I state I didnt do this agreement, and to please send me a signed copy by me which they couldnt provide, and they say I have to do a police report and sign their paperwork stating that I didnt do this. NO Im not signing anything they sent me, because look at what happened when I didnt even sign this agreement. I also recently asked them per what it says in the agreement they sent, that says their client was responsible for doing a verification of all information in the agreement, and that I wanted to see the verification XXXX XXXX  did regarding this agreement and they have ignored me. I have asked for proof of my signature, and they have ignored me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: Phoenix Financial Services LLC
State: GA
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:
Phoenix Financial Services is in violation of my 30 day right to dispute. They added an item to my credit without any warning or proof of the item being mine. The account number is # XXXX. This account is not mine and should not be on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Dear CFPB, We are dealing with a scammer who clearly understands how to easily manipulate PayPal 's ridged and indirect dispute system, along with the carelessness of the PayPal phone support agent who originally opened our dispute with PayPal 's phone claim department. It is shocking how easy it was to abuse PayPal 's process and steal almost {$2000.00} from people trusting PayPal to process payments. 

The PayPal claims case is : Case ID : XXXX The total stolen from us is : {$1800.00} And the Seller : XXXX XXXX XXXX The merchandise XXXX XXXX XXXX shipped us were fake. The box was clearly preopened and resealed after being filled with completely different cards not of the same vintage set. 

The scammer then agreed to take back the fake merchandise and accepted the return request ( Please see attachments titled Image_1 and Image_2 ). 

We proceeded to print the return label and ship back the item ( Please see attachments titled Image_3, Image_4, and XXXX ). 

The scammer then proceeded to REFUSED the incoming shipment ( See attachments titled Screenshot_XX/XX/2019 USPS com - USPS Tracking Results ) knowing that was ALL that is needed to manipulate PayPal 's claim system! 

PayPal will Deny ALL claims as long as the victim does not have a signature from the scammer. 

I just got off the phone with a PayPal Supervisor at XXXX ( Eastern Time ) who outright admitted she was aware of how easy it was to abuse PayPal 's claims process by simply refusing returns. Looking online this scam is well known! 

Even though USPS clearly serves as evidence the scammer received then returned the fake merchandise PayPal 's inflexible system is dangerously easy to abuse in order to steal from consumers, and PayPal 's management admitted they are aware of this and knowingly allow it!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
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:
I got my credit report and I dont understand why I still see these accounts on my name. I already explain to you that is not mine, none of them. Please delete it! Im sure that someone used my personal information

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 2016-12-23
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have repeatedly filed a dispute investigation with Experian an contacted the accused creditor accounts in my credit file and Experian is not following proper dispute investigation. I do n't believe their even disputing my disputes. Experian feels like the consumer that 's disputing item is a credit repair company but it 's me the consumer. I honestly feel Experian is hurting people credit on purpose to provide identity theft products they sell. Please investigate this company. There destroying American citizens

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 2016-12-01
Company: SUNTRUST BANKS, INC.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Auto loan with Suntrust Bank. Original Loan amount was reduced because I cancelled a car service package, but the bank never sent information about how the payments will be modified. Paid on time every month for 50 months, more than the originally settled monthly payment. However, the bank never sent me a statement or account balance info. Automatic payments stopped by mistake after XXXX. Bank never contacted me, but reported late payments to credit bureau. Learned about that about 2 months later by checking credit report. Called bank to verify what 's going on and get the account balance. Bank claims they tried to contact me, but they do not have updated address ( strange because I requested address change to US postal service and I also keep on receiving checking account and loan offers from this bank ( I have copies of them ). They claim they tried to call me but they had a wrong phone number in file ( strange because it has not been changed and all info/negotiation was mediated by the car dealer and they have it all fine ). Bank claims they do not send emails for security reasons ( LOL ). I already paid full debt, but the bank claims late payments shall remain reflected in my credit report because it was my fault/neglect to contact them and keep track of what I owed ( 2months ). How can I know what I owe if the bank never send statements and refuses to do so? It is extremely difficult for a layout person to figure out an amortization table/balance after applying all those changes to the account. I had a pristine credit history before this issue ( above XXXX ), all debts paid full or before time, even during the incident with this bank. I am also currently leasing another car. Clearly the issue was because of lack of communication, not because of financial problems or neglect. I already finished paying whole balance, -6 months before due time. If all they wanted was charging late fees and other stuff they can keep it. It is unfair, but I do not mind. I just want them to remove the negative & false information they posted on my credit because it has nothing to do with my personality or my financial responsibility. They are the ones who hide account balances, I am not the one who play dirty games.

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 2021-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have inquires, Collection accounts, and closed accounts, wrong names, unknown address that was listed towards XXXX that I disputed that needs to be removed, and It was not investigated within the " 30 days '' that XXXX was supposed to exploit. Their are inaccuracies listed on my credit report that has caused great trouble on my report, and I would need them removed immediately! According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. Under federal law any Credit bureau has 30 days to complete an investigation. In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. Sincerely,

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