BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-07
Company: CITIBANK, N.A.
State: NY
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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE ACCOUNT NAME : AMEX/XXXX Credit usage 100 % Balance {$1200.00} Balance updated XX/XX/XXXX Credit limit {$800.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Status Account charged off. {$1200.00} written off. {$1200.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$1200.00} Highest balance {$1700.00} Monthly payment - Last payment date XX/XX/XXXX Contact info Address XXXX XXXX XXXX XXXX, OH XXXX Phone number ( 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 non-monetary relief
Consumer complaint received 2023-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 XXXXXXXX XXXX USC 1681 section 602a States I have the right to privacy.

15 USC 1681 section 604a section 2 It also states a consumer reporting agency can not furnish an accurate without my written instructions.

15 USC 1681c ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 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 2022-06-13
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I filed a previous complaint against Experian number XXXX regarding their blatant stall tactics and refusal to provide me my full consumer credit FILE disclosure. Experian mailed me a notice with dispute results when I did NOT dispute any information. I demanded my full consumer credit FILE and they keep responding with stall tactics. Experian has ALREADY committed identity theft and defamation of character against me because I NEVER gave them direct or written consent to furnish, report or accept anything on my behalf. Experian remains in violation of my federally protected consumer rights under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within XXXX days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX  days of receipt, as this has been ongoing for over XXXX  months.

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 2018-08-28
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On or about XX/XX/2018 I was contacted by telephone from a representative from Care Credit ( XXXX XXXX  ) about an account that I had opened. They advised that they have been getting the monthly bills returned to them as undeliverable, even though I previously was receiving them, and making monthly payments. Upon further investigation it was determined that the last bill sent to me was in the month of XXXX of which I paid. The account was opened underneath a promotional interest deferred rate and I had plan on paying it off prior to the end of the promotional period which was XXXX. I inquired with the company why they did not try to contact me prior at the information I provided when the account was opened, and they claimed they tried but the number was not working. I asked them why they didn't simply pull up my credit history and check the address that was on file since they already had this information. They couldn't provide a response. I spoke with a supervisory representative today and explained the situation to her. She filed a complaint with the bank on my behalf that can take up to 30 days. Since the account was not paid prior to the promotional period ending it increased approximately {$1000.00}. To ensure a showing of good faith I paid the total amount due prior to the end of the promotional period on XX/XX/2018 when I was speaking with the supervisor, of which was {$870.00}. This really appears to be a sort of scam by the bank to ensure the collection of an increased interest rate by not allowing me the opportunity to pay it. They could have simply done their due diligence and looked into a multitude of databases to determine my correct address in XXXX, XXXX, or XXXX, or made contact with me by either home phone, cell phone or email. 
Unfortunately, I also checked and the bank has entered a negative report within my credit history. This could have a negative impact upon me when I have to conduct my background check, that occurs every five years for my security clearance. 

I have attempted to check the box allowing for publication on consumerfinance.gov, but it is not allowing the box to be checked. I give you permission to publish this description but please remove my personal information. 

I have asked for a bill to be sent to me on or about XX/XX/2018, but as of today ( XX/XX/2018 ) I have not received it. I also asked for a receipt of todays payment made, but they were not able to provide one. If and when I obtain any written information I will provide it. 

I am hopeful you can assist me with this unfortunate situation.

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 2023-08-15
Company: MARINER FINANCE, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I paid {$180.00} on XX/XX/2023 and {$180.00} on XX/XX/2023. I came up with a payment plan but Mariner Finance does not issue payment plan confirmations. I called last week multiple times and got no answer. Today XX/XX/2023 I called to speak with my account manager XXXX who was very rude and degrading, she brought up person matters that we have discussed about my account. She was very disrespectful, I asked to speak with her XXXX XXXX XXXX she was just as rude and nasty, I asked her if she could switch my account over to another employee she was rude. I asked to speak with her XXXX XXXX XXXX he was even more rude and unapologetic to a customer calling to get their account taken care of. I do even know if my funds are going to the right account. There is no receipt being issued for my payments. I do no trust these three individuals with handling my account. The amount of interest accrued on the account is ridiculous. I called to speak with a rep in XXXX, NC no one seems to know what is going on at this company and if I am paying the amount of money that is owed. I need proper customer service and I have not received anything in regards due to the progress on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I bank in Ohio. Thieves broke into the local post box and stole my mail. I had enclosed a {$100.00} check which they stole the account number from. The bank was notified of the theft and a hold was put on the account. A second account was opened to shield the remaining funds from the first account. 
On XX/XX/2022 the thieves approached a bank in Kentucky and tried to withdraw funds from the first ( stolen ) account. The teller saw that there was a hold on the first account and released the funds, {$2400.00}, from the second account. 
My account was then charged the {$2400.00}. 
I have approached the bank four times and the branch manager submitted an affidavit for me. I was told to wait 120 days and it has been that long. Now I learned the affidavit is missing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-14
Company: EdFinancial Services
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I received a notice from EdFinancial Services dated XX/XX/XXXX stating that my new monthly payment amount will be {$660.00} under the SAVE Plan. This is significantly higher than the amount that was estimated when I used their online tool to predict what my monthly payment would be. I believe an error was made in the calculation and have been attempting to contact an EdFinancial representative since XXXX to verify if a mistake was made. 

I attempted EdFinancial 's Customer Service Representative via telephone on XXXX at XXXX and XXXX. Wait time was estimated to be over 500 minutes both times. I selected the option to be called back and was told via automated message that I would receive a call back after XXXX. I did not receive a call back until XXXX on XXXX, which I missed. No voicemail was left. 

On XX/XX/XXXX I attempted to contact EdFinancial again at XXXX and the estimated wait time was again over 400 minutes. I was unable to reach a representative. 

On XX/XX/XXXX I attempted to contact EdFinancial again at XXXX and was given an estimated wait time of XXXX minutes. I remained on hold for 2 hours and 6 minutes until I needed to hang up to bring my son to an appointment. I received 2 missed calls from EdFinancial during my son 's appointment at XXXX and XXXX. No voicemail was left. I attempted to call back at XXXX and XXXX. Again, I was unable to reach a representative. 

This morning, XX/XX/XXXX, I called EdFinancial at XXXX, 12 minutes before they opened. I was given an estimated wait time of 45 minutes. I have currently been on hold for 1 hour and 35 minutes.

Company response to consumer: Untimely response
Consumer complaint received 2023-01-06
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Credit collection services has been texting me regarding medical debt. They were informed verbally I had an insurance claim on the debt already. At XXXX on XX/XX/2023 I received a collection attempt text and it woke me up outside of normal waking hours.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Hello, My loan is serviced by Navient, it is federal Stafford subsidized loans which according to department of student aid and my local senator 's in congress are supposed to be paused under Biden 's student aid pauses for loans. Navient has ignored this completely and harassed me for the last few months. I know multiple people who went to same school and have identical loans with Navient as I do that are on pause and have had no issues. They are both Stafford Subsidized loans. Every person I've talked to that has a Stafford loan is paused. All my other loans are paused as well. 
Secondly I have a valid IDR that I gave them prior to the pause extension with paystubs that would put me at {$0.00} but once the pause was extended they magically lost this. They are now harassing me and threatening to report me to credit bureaus. I just lost my mother to XXXX on XX/XX/XXXX this year, I lost my job, I'm literally holding on by a thread and credit is something that's helping me keep my head above water for bills and rent. If they send that they'll essentially be forcing me out of my home and to be homeless. Navient didn't even care when I informed them of my mother 's passing and my IDR. They are predatory and would rather get paid {$200.00} even if it cost a person their living situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I used XXXX XXXX to check my consumer report on two separate occasions, I noticed a transaction was placed on my report and shortly after was deleted. this goes against the fair credit reporting act because as it stands, information furnished to any consumer report must be accurate and I understand I was violated and as a result was damaged. the information was deleted showing me XXXX XXXX allowed inaccurate information to be furnished initially. and admitted to their fault by deleting the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I noticed multiple accounts and Inquiries on my report from XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX Then there is a Auto Loan from XXXX  XXXX XXXX which states its 30 days late in XXXX  30 days late in XXXX then 60 days late in XXXX which is not even possible

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: JPMORGAN CHASE & CO.
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/XXXX RECEIVED TEXT FROM CHASE BANK ASKING IF I AUTHORIZED A XXXX TRANSFER IN AMT OF {$5000.00}, I REPLIED NO, GOT A CALL FROM WHO I THOUGHT WAS CHASE REP. WHO MADE ME TRANSFER {$5000.00} TO ANOTHER ACCOUNT TO REVERSE A XXXX TRANSFER FROM A WALMART THAT WAS COMING OUT AT XXXX, I DID... I HAD TO CHANGE MY NAME TO XXXX XXXX ( AS YOU SEE BEFORE I WAS XXXX ) AND THEY MADE THEIR SUPERVISOR AUTHORIZED USER. ( SEE SCREENSHOT ) - CALL RECORDED BUT WON'T UPLOAD XX/XX/XXXX CALLED AGAIN AT XXXX AND SAID THE REVRSAL UNSUCCESSFUL AND TO TRANSFER ANOTHER {$5000.00} ( HAVE A CALL RECORDG ) XXXX XXXX MONDAY ACCT WAS XXXX AND ANOTHER COUNT ALMOST GONE, CALLED CHASE XXXX XXXX AND THEY HAD ME TRANSFER {$5000.00} AGAIN ( CALL RECORDED ), THEY TRIED A XXXX TIME BUT IT WAS DENIED BY BANK- SEE SCREENSHOT, LEFT ME FOR BROKE AND THEY HUNG UP FRAUD INVESTIGATED FOR 10 DAYS AND SAID THAT I WAS SCAMMED AND IT WASN'T THEIR FAULT. WELL IT IS NOT MY FAULT THEY WERE CALLING AND INTERCEPTING CHASE PHONE CALLS. IM AT OUT {$15000.00}. LOCAL BRANCH COULD NOT HELP. 

MY NAME CHANGED FROM XXXX TO XXXX XXXX... THEY MADE ME DO IT. 
WHY WOULD I XXXX  MYSELF MONEY? 
ON MONEY, I JUST WENT INTO MY CALL LOGS AND CALLED THE NUMBER THAT CALLED ME INITIALLY ON XX/XX/XXXX IT IS CHASE BANK AND THESE MEN ARE ANSWERING PHONE. THEY MIGHT WORK THERE!! 

CHASE WILL NOT LISTEN TO MY CALL RECORDINGS THIS LINK IS AN ARTICLE THAT DESCRIBES EXACTLY WHAT HAPPENED TO ME TO A LADY IN LA. WHERE CHASE SCAMMED HER AND GAVE HER THE RUNAROUND. 
https : XXXX another article is EXACTLY what happen to me https : XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX & XXXX & XXXX % XXXX % XXXX % XXXX EVERYTIME THEY CALLED FROM THE SAME CHASE PHONE NUMBER AND IN FACT THE LAST TIME I CALLED ON XX/XX/XXXX AFTER SITTING ON HOLD WITH THEM FOR AN HOUR, CALL HUNG UP AND THEY CALLED ME. I BELIEVE THEY HAVE ACCESS TO MY INFORMATION. 

DATA AND SECURITY BREACH FROM CHASE AND SCAM, THEY NEED TO RE-IMBURSE ME I HAVE CALLS RECORDED THAT WERE MADE THAT COULD BE EXTREMELY PERTINENT IN PROVING THIS IS A SCAM THE POLICE REPORT THAT I MAKE IS NOT YET READY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: Experian Information Solutions Inc.
State: PA
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:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 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.

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 2021-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I noticed multiple accounts and Inquiries on my report from XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Then there is a Auto Loan from XXXX  XXXX XXXX which states its 30 days late in XXXX 30 days late in XXXX then 60 days late in XXXX which is not even 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 2021-12-06
Company: Rocket Mortgage, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Rocket mortgage closed my loan and my son 's loan on XX/XX/2021 ... .i did ask their loan servicer - who works for rocket mortgage- to remove escrow from my loan before closing, now after i paid my first mortgage, i found out that escrow is being added to the mortgage and not removed as agreed. i called rocket mortgage escalation team and they rudely informed me that this is their policy. i spent hours going through my loan and closing documents and nothing i signed shows that i have to keep the loan for 1 year before closing. i requested clarity from rocket mortgage and no one was able to give me an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: PENTAGON FEDERAL CREDIT UNION
State: FL
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:
they still havent credit XXXX k in charges sent them police report 3 times still waiting for resolution

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: JPMORGAN CHASE & CO.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chase bank restricted ( seized ) my checking account after I mobile deposited 5 checks after XXXX. I have contacted them and provided them with all of the information I have on the issuers of the checks ( my XXXX, a family friend and a Summer camp ) the only way for Chase to verify the checks is to speak with the issuers. The phone numbers I provided were not sufficient for Chase despite being the only phone numbers these issuers have. 

Ive been on hold for hours over multiple days to try and resolve. Im currently holding as I submit this. I am upset, the check issuers are upset and confused. No one has given me a reason as to why the account was restricted. Chase says it will close my account next week and keep the money until the checks are verified.

Company response to consumer: Closed with explanation