BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-28
Company: Experian Information Solutions Inc.
State: MO
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 submitted a letter on XX/XX/XXXX which was my 2nd letter informing the Credit Reporting Agencies that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. Please remove the following items : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXXXXXX XX/XX/XXXX. If the Credit Bureaus claim that the disptued Items belong to me, I need the Credit Bureus to send me copies of proof of verification or any documents bearing my signature to support the Credit Bureaus claims. If the Credit Bureaus can not provide me copies of documents I seek, Please remove the disputed items as soon as possible,

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 2022-08-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
XX/XX/2022 : Opened an account for {$400.00} promotion ( XXXX XXXX XXXX ), which consists of {$300.00} for direct deposit and {$100.00} for XXXX debit card transactions. Bonus should be paid by XX/XX/2022. Promo term is attached. 

XX/XX/2022 : Completed the direct deposit requirement. 

XX/XX/2022 : Completed XXXX debit card transactions. 

XX/XX/2022 : Received {$300.00} bonus. Did not receive the {$100.00} bonus. 

XX/XX/2022 : Contacted Citizen via text message and was confirmed by XXXX  that the account does qualify for the additional {$100.00} and appears to be credited by XX/XX/2022. 

XX/XX/2022 : Havent received the {$100.00}. Contacted Citizen via text message, was advised by XXXX to call XXXX. Called the number, waited for about half an hour to speak with an agent, and was put on hold for almost another hour since the department that should be assisting can not be reached. Was advised to go to branch to contact this department instead. After XXXX hour waiting, the agent advised that her call was disconnected from that department and she can not assist any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2022-12-10
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have been a Synchrony Bank Amazon Card Holder for over 7 Years. They abruptly closed my account stating Activity on account with Synchrony bank was indicative of high risk of failure to pay. I have spent Hundreds of thousands of dollars and have never made a late payment on any Synchrony account in my life. My credit score according to their on credit XXXX shows I have a XXXX XXXX XXXX. 
How can I get a human to review this decision. I would like to get my Account reinstated or at the very least get the {$4800.00} Amazon Rewards Points I had rightfully accumulated returned to me.

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 2022-08-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
Capital One Auto Finance. 
This account has been paid in full. Late payments still report and loan still reports on credit report. 
XX/XX/2019, account has been paid in full. 
Amount of {$16000.00} Has been disputed previously before, but still reports on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-12-10
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a third party check from our Mortgage company XXXX XXXX XXXX This check was from release of funds from an insurance claim for property damage. When I deposited the check I showed the teller all the paperwork. They verified with my fianc that he signed the check over to me because of his work hours he is not able to make it into the bank. No one from the bank told me that both my checking and savings account would be placed into a restricted status. I went to the grocery store the following day and my card was declined. I called chase and they said they froze my accounts due to the large amount of the check. The check was placed in my savings account, because I knew I have to pay the contractors for completed work done to our property. Chase said I would need to wait until XX/XX/2022 for the check to clear. On XX/XX/2022 the check cleared and chase received the funds. They then closed my account and have not released the funds. I have called several times, they said they needed to verify the check with XXXX XXXX XXXX and my Mortgage company. I provided them with the mortgage company information and loan number. Even after receiving the funds and verifying the check with the mortgage companies bank and XXXX XXXX XXXX they are refusing to release funds. They have closed all my accounts and will not provide me with any information. This has effected my payroll deposits, car payment, and bills that are on auto pay. They are holing my funds since. XX/XX/2022 I have not been able to pay any of my bills and this is now effecting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
If you choose to not block the account listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX, XXXX XXXX Date Opened : XX/XX/2012 Balance : {$67.00} Please remove/block this account as they are fraudulent & were opened without my consent or knowledge

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 2022-12-10
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX transferred my mortgage, without my consent, ( XXXX XXXX XXXX ) to Shellpoint Mortgage Servicing. 

XXXX XXXX consistently refused to update my insurance policy which is paid through my HOA, and instead issued their own XXXX XXXX at a predatory price ( which I didn't need anyway given I have insurance through HOA and XXXX walls insurance through a third party provider ). 

Additionally, it looks like when they transferred my mortgage to Shellpoint, they failed to transfer over my funded Escrow balance I had been paying XXXX - XXXX of XXXX. 

Shellpoint is now re-assessing my Escrow payment of XXXX to pay the deficit AND based on the outsized XXXX XXXX payment ( again which I don't need or want ). 

I've tried remedying this with both to no avail. 

Any help would be greatly appreciated. 

Best, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022 there was XXXX withdrawals from my account on for {$110.00} and the other for {$110.00}. I had moved from XXXX  to XXXX  on XX/XX/XXXX. I checked my balance on XX/XX/XXXX it was a Saturday and called the number for BMO Harris Bank immediately that Saturday to report these charges and have them stop them because it showed they were pending. BMO said they would look into this matter. They said they would cancel that debit card and send me another one. Had to call again on Monday XXXX they did not stop the transaction. So they said they would put the money back and investigate the matter ma month later I checked my account because I was very upset with BMO because they never sent me a new card and I was now living in XXXX  and there is no BMO banks in XXXX  so I could not go into a local bank. So when they removed the money from my account overdraft. So now they say I owe {$270.00} dollars to them for the funds and fees. I called BMO again and they informed me that they did not find in my favor. I was very upset and asked them how they could not have found in my favor?. They informed me that the mercant told them I order diet supplements and had them delivered to a address in XXXX. I asked what the address was and the gave me my aunts address. I said we'll that never happened and nothing was ever mailed to her house. I explained to them that the investigator should have verified that information they should have check for a tracking number and followed up with fraud charges against these people. I was not only violated from a scammer but by my bank as well.I appealed the decision and that is when they were suppose to send it to the appeals department. The lady took my aunts name and phone and took my phone number and said a lady investigator would be contacting my aunt and myself. No one ever got ahold of us. I started getting notices about my account being over drawn and they are going to send me to collections agency. I called BMO bank again a couple days ago and they informed me there that there is nothing they can do to contact the police depart. I thought banks are there to protect us against things like this. I have been victimized twice now. Thank you.

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 2022-09-28
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I'm not sure what dates I should include but it started last month either XXXX or XXXX when I missed one payment with them. The amount was for {$35.00} dollars. I've already filled out the summons questionnaire paperwork that had to be turn into them within the 30 days. I faxed it in the very next day in that same week I received their summons paperwork. In the summons paperwork there was a question about how much I was willing to settle and I answered back to them {$1300.00} to pay them off completely but they are still harassing me by repeated phone calls. Please say that you can help me. I am trying to work with them. Thank you so much.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-10
Company: Experian Information Solutions Inc.
State: CT
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 started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

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 2022-06-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX BANK XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-09-28
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed there are remaining items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX  ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX ; XXXX XX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX. Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A States I have the rights to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681 c ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting report containing any of the following items information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: American Coradius International LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello I have received a notification of a debt owed to XXXX XXXXXXXX  by a Debt collection Agency, for debts from XXXX {$320.00} but I have never heard from XXXX XXXX  about this before. This is very odd that they took six years to initiate this action. According to ACI, the last payment l made to XXXX XXXX was in XX/XX/XXXX ; the charge is from XX/XX/XXXX, and I closed the account sometime in XXXX. I asked for a summary of the debts but what I got does not tell me anything. I have tried to contact XXXX XXXX directly but they are not accepting calls at this moment. The Debt Collector is American Coradius International LLC. Account Number XXXX, Reference Number XXXX. 
What I need is to verify that I really owe this debt, since, as far as my knowledge goes, I keep my bills in good stand, and this is really inexplicable that XXXX XXXX would take this long to initiate this action without having ever contacted me. I need to know that this debt is legit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Financial Data Systems
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX has medical information that has been sent to a third party vender FINANCIAL DATA SYSTEM thats has been listed on my credit report since XXXX When I try to dispute it XXXX will drop my credit report almost 60 points instead of trying to fix the problem!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed there are remaining items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX  ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX ; XXXX XX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief