BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I disputed a reporting by Portfolio Recovery Associates , LLC. They sent me a copy of a credit card statement, but did not send me a copy of the contract that I allegedly signed with the original creditor and did not send me a copy of the agreement authorizing them to collect on behalf of the original creditor or a sale agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: EQUIFAX, INC.
State: CA
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:
Continue to dispute with Equifax regarding removal of XXXX  XXXX bankruptcy that was dismissed and never took place. Equifax stated they verified with a third party XXXX XXXX however can not provide that date.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: IL
Product: Other financial service
Sub-product: Debt settlement
Issue: Excessive fees

Complaint:
I signed up with the XXXX law Group in XX/XX/XXXX 2012. I was promised that they would have me debt free in 42 months. Although they did settle a bunch of my accounts, they did not settle everything, and I was forced to open a Global Client Solutions account and allow them to make monthly withdrawals. When I looked at my balances, it was obvious that I was paying way more in fees to GCS and XXXX than to my creditors. I paid in a total of {$25000.00} and about {$12000.00} was retained by GCS XXXX as fees. I think this is illegal. When I complained to GCS about the fees they insisted that XXXX was taking the fees, not them. I am not getting a straight answer out of anyone. They were supposed to only take 15 % of the money they saved me, but they took almost 50 % of the monies I paid in. 

I am unable to upload my supporting documentation but if you will email me a direct email address I will forward the correspondence to you. They made all kinds of bogus claims that I added new accounts, etc., which I never did. Also GCS is denying any responsibility for the fees charged and pitched me back XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I made a final payment with XXXX XXXX XXXXXXXX 2020. They are still reporting as a delinquent/derogatory.

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 2022-06-28
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
my email is XXXX. I dont know where to change it.I had 2 payments to my account on XXXX and XX/XX/XXXX but not from my bank. The amounts were XXXX and XXXX. In the meantime charges were placed before these deposits were sent back to the bank. Following are charges that I didn't make. 
XXXX XXXX   for XXXX. I looked up my purchase history and I do not have anything that was ordered for that amount. 
same with XXXX on XX/XX/XXXX for XXXX,. 
XX/XX/XXXX ( XXXX ), XXXX, XX/XX/XXXX ( twice ), for XXXX. I don't have anything to show for this and I have a XXXX XXXX card I could use. on XX/XX/XXXX another XXXX XXXX charge for {$600.00}. I is amazing how my supposed purchases came out with an even number. I have cash being taken out from a gas station for ( XXXX on XXXX and XXXX on XX/XX/XXXX ) and XXXX   on XXXX for XXXX for XXXX  products. I don't have any XXXX products nor do I ever withdraw cash from a credit card nor get cash from a gas station. These are only a few I have questions about

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 2022-07-28
Company: FC HoldCo LLC
State: TX
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:
Have no knowledge of these company running my credit report.

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 2022-06-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Saturday, XX/XX/XXXX at XXXX pm, I trustly went to Chase Bank on XXXX XXXX in the XXXX to deposit {$3000.00} ( XXXX x {$100.00} bills ) into an Atm machine. I entered required information, indicated that I had a cash deposit, entered said bills as instructed and awaited for confirmation. The machine counts the money, screen pops up an out of service message on screen and produces an receipt without confimrning my deposit. Being that it was Saturday night and customer service wasnt available, I checked a saw that I could call the next morning. On Sunday, XX/XX/XXXX appox XXXX am, I called customer service and was forwarded to the claims department. I told them what happened and gave all the information that was on my receipt ( sequence number and terminal number ). I was told that my account would be credit Monday, if not Tuesday. On Monday, XX/XX/XXXX, I called to confirm that my funds will be dsposited being that I didnt see it. I was told to check by end of day. If not, it should be there Tuesday. Today, Tuesday XX/XX/2022, theres nothing in my account. I went to the closest branch to speak to someone in person in regards to my funds. To my knowledge from my past employment with CHASE that the branch reconciles the ATMs. I wasnt sure if the claims department waits until the branch informs them of an overage or they give them the heads up. The reps at the branch informed me the research department is looking into the matter and it will take 10 business days or more. It was escalated on XX/XX/2022. I was NEVER informed. I understand them taking one business day to reconcile the ATM not TEN DAYS. Since Saturday, I was informed that I would receive my cash deposit by Tuesday ( today ) the latest. After speaking with someone over the phone from the research team, I wasnt giving any reasoning as to why my funds are being held. No explanation as to why I wasnt informed of any escalation. It feels like I handed my money to an unknown thief that Ive trusted for over 20 years. Are others having issues with this branch and others fund being taken/held with no speedy recourse? Is was told that XXXX is a large deposit! Arent they are business bankers??? XXXX in NY is rent. XXXX is a descent trip. XXXX is a deposit for funeral proceedings.It doesnt take 10 business days to research cash that it supposes to go into a secure place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX  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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I had an account automatically transferred to Citizens bank from XXXX with a balance of {$5.00}. I received an email from Citizens saying I would be charged a {$4.00} monthly maintenance fee on the account. I do not use this account, and want to close it because it would cost me money to keep it open. I waited on hold for over 45 minutes with Citizens bank trying to cancel my account, only to be hung up on by their phone system without ever speaking to a human. Citizens website says I can only close my account by visiting a branch. There are no local citizens bank branches where I live, and traveling to the nearest city with one would be an inconvenience, and would cost me more than the value of the account. It is not reasonable to expect me to jump through many hoops to close an account that I didnt ask for or risk being charged fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/22 I saw an unauthorized purchase for {$1300.00} on my credit card. I immediately notified Citi Bank Costco Card about the fraud. They removed the charge and I opened a fraud case. On XX/XX/22 Citi Bank advised me that the charge was correct and placed the charge back on my account. I requested documentation and was sent an invoice from a company called XXXX for a computer which was shipped to a man I did not know at an address I did not know. I immediately contested the decision and asked to continue the dispute. I was given contact info for XXXX and called their customer service office and talked to XXXX and explained that I did not purchase the computer and did not know the person who received the computer. Advised that the man listed on the invoice and address was not connected in any way with my credit card. Provided my contact info and to date no one from XXXX has contacted me. I have sent multiple email to Citi Bank requesting an update and called several times. My on-line account with Citi states that the dispute is ongoing and will be resolved by XX/XX/22. Today I called to request an update and was told that the Billing Office had sent the dispute to their Security Office and the Security Office had returned it to the billing Office. I was connected to the Security Office where I once again explained the situation and that I was very frustrated and had been very patient with the bank. I was told they would re-open the investigation and someone would call if they had more questions. This was never a billing dispute and I stated it was fraud from the first contact with the bank. I need someone in authority with Citi Bank Credit Cards to resolve this issue and remove the unauthorized charge from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
XXXX XXXX XXXX XXXX LATE PAYMENT Balance details Balance on XX/XX/XXXX - Original loan amount {$500.00} Account info Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Unsecured Loan The bank continues to add this report back to my credit file over and over, which continues to bring my score down!

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 2022-11-30
Company: OneMain Finance Corporation
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I have explained to them many times I cant afford the monthly payments because of change in income and they have not been helpful, they have also threatened to repo my car as well while I have been making payments the entire time. 

I am also being told to pay a certain amount verbally but their website is reporting a different amount. 

This company has not only made my life difficult financially but they also repeatedly called me during my work hours after telling them numerous times it is an inconvenient time to call me. 

I have all the call records save to prove this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: EQUIFAX, INC.
State: WI
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:
XXXX XXXX falsely advertised offers saying that i would be approved for sure credit which was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2022-06-28
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VA
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:
Hello, Credit reporting agency showing incorrect delinquency on my mortgage account with fifth third bank. 
My payments have been deferred forbearance till XX/XX/XXXX due to covid. Fifth third bank and I agreed mid XXXX that we accepted fifth third bank offer which is to open a balloon payment. 
Then fifth third bank deferred payments till XX/XX/XXXX. 

I reinstated auto pay account with fifth third bank on XX/XX/XXXX and continued to pay regular monthly payments from XX/XX/XXXX as agreed. 

I have all supporting letters from fifth third bank which I submitted to XXXX and they are not removing incorrect information. They reported that I was delinquent 180 days in XX/XX/XXXX. 

Supporting doc. 

Leter from fifth third bank that my payments have been deferred to XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-06
Company: John C. Heath, Attorney at Law, PLLC
State: MD
Product: Other financial service
Sub-product: Credit repair
Issue: Excessive fees

Complaint:
I used Lexington Law for 2 years to raise my credit score and remove some items from my credit report well my score went down about XXXX points after I was finished paying them {$99.00} a month for 2 years They did nothing for me except take my money every month. I truly would not recommend them to any one. I would call periodically and was told that if I would hang in there a year that I would see results a year after I started my score went DOWN.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Equifax has violated by rights by not having complete and accurate information for : XXXX XXXX XXXX account number ending XXXX. The 'Date of Last Activity ' is INCOMPLETE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: Experian Information Solutions Inc.
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Experian refuse to correct and properly investigate dispute and update account as disputed XXXX XXXX acc # XXXX account is disputed and should be documented on account this is a violation fcra section 1692 E 8 not reporting as disputed by consumer

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 2022-11-30
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I contacted Wells Fargo on XX/XX/XXXX when I receive the notice that they were going up on my mortgage from XXXX to XXXX. Effective in XX/XX/XXXX. Wells Fargo stated that I had again another shortage this is 4 the increase in payment I have been paying shortage for the last 2 years and the house isn't worth it. I submitted the application as told however this is effecting my credit they have taking the regular payment of XXXX. Plus the additional XXXX which will total the new amount XXXX they are still going to report me as none payment to the credit bureaus. Why take the consumer payment and not work with them as well as taking their money. Just advise foreclosure so the consumer can use that money they paidyhem to move. I am trying to work with this company and they shouldnt take any payments if you will not assist them when they are having financial issues.

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