BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-10
Company: SUNTRUST BANKS, INC.
State: MD
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I have been trying to get a person bank account and have been denied by every bank due to being report to XXXX or XXXX. I understand that when an account is left in the negative or overdrawn that will affect the ability to get an account in the future and i have been working to get these problems resolved, but the last one i am trying to clear up is with Suntrust Bank. They have something on my banking history reporting fraud. I have tried countless times to contact someone that can tell me what this means and why it is on my banking background. Each time i call i am transferred over an over again and nobody can give me any answers and its becoming so frustrating. I opened an account at suntrust about 6 years ago for a XXXX my sister and I were starting together. We opened the account with a a check deposit that we received from the company called XXXX. The check was for about XXXX dollars. I opened the account and deposited this check and was told it would be held for 7 to 10 days because it was a large check and a new account. I understood an had no problem waiting. A few days later i received a notice in the mail that my account was closed and I would receive the money deposited by mail with in 30 days. When i called the bank to inquire why the account was closed i could not get an answer as to why and again was given the run around as to why they closed the account. It took me 3 weeks of calling and going in the bank to get the money we had deposited and due to them holding this large check an delay us getting the funds, our business suffered. We were a new start up bakery and were relying on that money to fill orders, buy supplies and fill orders from the XXXX promotion we had done. Once the account was closed i was unable to open an account any where else because suntrust reported to the what ever system banks check when you apply to open an account that i had committed fraud and my account was closed. Its been 6 years now an it still remains on my record and i have not had a checking account since. I just applied at XXXX XXXX and again was denied because of this suntrust incident. Im beginning a new business venture and need a bank account but do not know what i can do to resolve this issue. Thanks 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 2022-10-18
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my Credit Report I noticed that there is still account that is reporting erroneous and incorrect information. I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the account needs a proper action to assure maximum possible accuracy on my credit file. Hence, I am asking for another investigation. 
XXXXXXXX XXXX  XXXX Balance : {$4800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my Credit Report I noticed that there is still account that is reporting erroneous and incorrect information. I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the account needs a proper action to assure maximum possible accuracy on my credit file. Hence, I am asking for another investigation. 
XXXX XXXX  XXXX Balance : {$4800.00}.

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 2016-06-07
Company: PNC Bank N.A.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
On XXXX XXXX I took out a FHA mortgage loan, National City Bank was also the mortgagor ... I got separated from my husband, I then filed bankruptcy In the Untied States Bankruptcy Court case XXXX. The mortgage was discharged but forgot to cancel payments from my bank accounts. PNC continue to take payments totaling {$96000.00}. PNC BANK NATIONAL, filed a foreclosure action case No. XXXX CH XXXX on my home not allowing a face to face meeting prior to filing the foreclosure, not qualifying me for a modification or giving me credit for the monthly payments that were sent after the bankruptcy was filed. PNC has violated my rights committed fraud on the court. I am currently in Illinois Appellate Court case XXXX. XXXX. I am trying to keep my family and myself from being dis-placed and homeless. The attorneys continue to create false documents, and refuse to return my money after the bankruptcy was filed. I should at least be able to qualify for a modification according to the XXXX guidelines.

Company response to consumer: Closed
Consumer complaint received 2017-01-26
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I bought a bed ( mattress & box spring & mattress pad protector included ) from XXXX JC Pennys last Wednesday the XXXX of XXXX 2017. I spent about {$500.00} for it but however I have yet to receive it. I keep getting the " runaround '' from JC 's. 
First they told me I would receive it on the XXXX? then again the next day the store told me i 'll get it. I am fed up with it all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-18
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:
I'm XXXX XXXX, and I'm sending you today this CFPB complaint to let you and the credit reporting agencies know that I was a victim of identity theft. According to FCRA section 605b, credit reporting agencies are required to block/remove any accounts listed on an identity theft report. I did some research on how to remove the fraudulent accounts from my report and discovered that I needed to visit the Federal Trade Commission or https : //www.ftc.gov to file a report. Please refer to the ATTACHED materials to help stop false information from being put to my report. The following is a list of the accounts and objects that do not belong to me or that were opened without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$980.00} XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$92.00} XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$340.00} 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 XXXXXX/XX/XXXX. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days following the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: EQUIFAX, 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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Fidelity National Information Services, Inc. (FNIS)
State: UT
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:
Chex systems sent a notice by mail that an inquiry was ran on my consumer profile without my consent as my consumer profile has a freeze since 2017. I need explanation who ran the inquiry and for immediate removal of the inquiry.

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 2016-08-24
Company: Integrity First Financial Group
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I applied for a refinance through a real estate agent, sent in all the required paperwork, esigned all the required paperwork, and paid for an appraisal. Once my file was in underwriting, the underwriter told the realtor my 2015 tax return was incomplete because XXXX was not filled out, and the return needed to be amended. I did not fill out this part of XXXX since I filed form XXXX. I was told once the underwriter received the amended return the loan would be approved. I told the realtor I did not agree with this ruling because I felt my return was filled out correctly and no amendment was needed. I said this for the reason that when you file form XXXX, you do not fill out XXXX ; you do not do both, it is one or the other. The realtor told me it would be great if I could get that in writing where she could submit the letter to the underwriter. So, I contacted XXXX attorneys ( XXXX being a tax attorney, XXXX being a real estate attorney ) who confirmed that when you file form XXXX, XXXX should not be filled out. The underwriter was wrong, and the attorney did write a letter to this effect that I submitted to the realtor, who submitted it to the underwriter, and some more people involved she told me. In the meanwhile, the realtor informed me that when a decision is not made in 30 days, what she could do is withdraw the loan until I either amend the return or produce the letter. The loan was neither approved or denied at this point. To my surprise, I received papers in the mail indicating I had withdrawn the loan, and in terminology as if the loan had been denied. To date I have not heard one way or the other what the outcome was after reading the letter from the attorney. I am most upset over paying for an appraisal.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-18
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, TN XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$490.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$660.00XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-18
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
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 belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, TN XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$490.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: Credit Corp Solutions Inc.
State: NE
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A debt collection agency has been repeatedly calling family and friends to contact me when I never gave out the info of those people that they call. I 'm willing to talk to the agency, however they never make attempts to call my phone. Instead they keep calling third parties that are in no way a part of the debt nor should the agency have their numbers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17
Company: STONEGATE MORTGAGE CORPORATION
State: IA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We received a letter dated XXXX XXXX, 2015. The letter stated we may be eligible for a FHA Hamp with Partial Claim. To accept this offer we were required to make our XXXX monthly " trial plan payment '' under our Trial Payment Plan. The Trial Payment Plan was as follows:XXXX payment : {$1300.00} by XXXX/XXXX/15XXXX payment {$1300.00} by XXXX/XXXX/15XXXX payment {$1300.00} by XXXX/XXXX/15The plan further stated each payment had to be received by Stonegate Mortgage within 15 days of the trial payment plan due date. 
We made the trial payments as follows:XXXX payment {$1400.00} on XXXX/XXXX/15XXXX payment {$1300.00} on XXXX/XXXX/15XXXX payment {$1300.00} on XXXX/XXXX/15We have successfully remitted the trial period payments and have not received any further notification from our mortgage company advising us how to proceed. We did receive a phone call from a Stonegate representative stating our trial payments were short by approximately {$40.00}. We challenged that statement and have documentation to show all of our trial payments were made successfully. The representative stated they would research the matter and get back to us. We have n't heard back. 
We need to know what the next steps are. We need to know if we are approved for the FHA Hamp with Partial Claim. We have n't received anything in writing or verbal from Stonegate advising us how to proceed now that we have successfully completed the Trial Payment Plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: PNC Bank N.A.
State: AL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Had a HELOC that was maturing with PNC Bank. I worked with PNC Bank to renew the HELOC ( place it on an amortized payout ). The process took longer than expected ... the approval was never an issue. Per their instruction I continued to make monthly payments on time. They have a XXXX4 month trial waiting period before the renewal is loaded into their system. Since the HELOC is showing matured in their system ... .they are reporting me ( as of XXXX ) 90 days past due ... even though I continue to make payments per the agreement on time ... I have never been over 30 days late on any debt in the last 20 years. I am a mortgage professional and good credit standing is vital to my license status. This has impeded my ability to borrow money at top tier rates. At last check my score had dropped XXXX points. I tried resolving directly with PNC Bank and with a formal dispute via the XXXX credit reporting agencies. If this formal complaint does not rectify the situation my next option will be to consult legal counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: PNC Bank N.A.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XXXX XXXX, 2016, and XXXX XXXX, 2016 XXXX XXXX, an authorized user of one of my debit cards, as he has done so many times before, went to the XXXX XXXX XXXX ( bought now by XXXX XXXX ) on XXXX XXXX, XXXX XXXX in XXXX, Ohio. It is the closest ATM to us. He made a balance inquiry. No where on the screen is there a statement that a balance inquiry will result in a charge of {$3.00} if you do not have an account at this particular bank. I had {$8.00} in my account on XXXX XXXX and went to spend a little over {$5.00}. Because he did not know there was a {$3.00} charge for checking my account balance, I was overdrawn. It has taken me awhile to figure out what was going on. I would appreciate your interceding with this large financial intermediary and remedying their shadowy, venal behavior. This is another example of a large for profit entity leaching off consumers to, drip by drip, swell their profits. We can not afford to subsidize the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: SYNCHRONY FINANCIAL
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I was charged a late fee of {$39.00} because the payment was received 1 day late. Synchrony bank send my bill 7 days before it was due and it was paid immediately by bill pay from my bank. When I called the customer service # I was told that is the fee and that they do n't even have to send a bill by law for my loan and I should know to just pay it. The rep was nasty, argumentative and dismissive. I have never had a experience like that with a bank in my life. When I asked to speak to a supervisor I was told none was available. This is the worse bank.

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 2022-10-18
Company: SYNCHRONY FINANCIAL
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 received 2 certified letters supposedly from Paypal Credit that are shown to be a credit card statement. I have a XXXX account but not a Paypal credit card. The first letter was received XX/XX/XXXX, the second XX/XX/XXXX. They are identical. The account id shown XXXX is not me. I called the XXXX number at the bottom of the sheet and was connected to help. Due to the poor quality of the connection, no information was transferred. I then looked closer at the documents and grew suspicious. 
Trying to contact Paypal Credit through their " help '' line number shown on their website was no help. Their automated call system wanted my SSN to find my account which I don ; t have. My conclusion was I couldn't work with Paypal Credit to resolve this. 

Again, this is not my account. I don't believe this is a legitimate document from XXXX. 

I have uncovered a similar complaint on the web with the same XXXX account Id. This is the link to that complaint. 

https : 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