BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-13
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2022, my Citi Accelerated savings account was closed on suspicion of fraud. I have made several electronic transfers to the Citi account from my XXXX account. I had opened the account on XX/XX/2022 with {$100.00}. Then a few days later transfered {$1500.00} which had settled. Made another transfer for {$2000.00} which was returned to the issuing bank. Then I made two more deposits from the XXXX account totaling {$3000.00}. 

I spoke to a representative on XX/XX/2022, about the account closing to see if anything cleared up and to gain a better understanding as to why my account was being closed. The representative let me know that it was being closed due to fraud. When I pressed the representative to explain further, he explained that it was due to a returned NSF transaction. He also let me know that I could not get my account reinstated and that any funds that were there would be returned to me after a 60-day investigation. According to my accounting that would have meant that {$5100.00} would be mailed to me in the form of a check. The representative stated that a check would be mailed to me. 

I received a check, via XXXX XXXX, for {$2.00} I proceeded to call again the fraud XXXX XXXX number to speak to a representative about my funds and why was I receiving a check for {$2.00}. The call got disconnected when I asked for a ledger of transactions to be sent to me. I spoke to a second representative who was able to tell me to go to the issuing banks and file a claim for funds. I inquired about the funds that had settled in the account for {$2100.00} and why was I still receiving a check for {$2.00}, the representative then told me again that I would have to go to any issuing banks a file a claim for those funds. 

The representative then was able to transfer me to a third representative to handle my bank statement request that would be sent by mail in 10 days or by email in 1 or 2 days. At this point, I am frustrated because email should not take 2 days to receive and I am still out of {$2000.00} in funds. 

I then made another phone call to XXXX in other to initiate the claim but still need to track down the other deposits in order to file claims for them. 

I am still seeking my full funds of {$3100.00} from CitiBank.

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 2022-10-08
Company: Credit Control, LLC
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CCS has sent a recent notice by mail which I am certifying I have no knowledge of an alleged debt by XXXX nor XXXX XXXX, please send back to the original creditor.

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 2017-06-17
Company: NATIONSTAR MORTGAGE LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
1.We obtained a loan modification under the MHAA. We had continued to make every mortgage payment due. Our mortgage was purchased by Nationstar, XXXX, TX. 2. We filed for bankruptcy in XX/XX/XXXX and it was discharged in XX/XX/XXXX. We continued to make our payments and were credited {$1000.00} principal payments for three years as a loan modification payment incentive. 3.In early XX/XX/XXXX, we were informed our payment would increase and I contacted Nationstar to discuss a refinance. I was told our mortgage was in default and had been since XX/XX/XXXX. 4. I learned our payment amount had increased in XX/XX/XXXX but WE HAD NOT BEEN NOTIFIED OF THE INCREASE ( even though our bankruptcy had been discharged and we received other correspondence from Nationstar at our address of 27 years ). Because I did not pay the new payment amount, Nationstar claims we had " missed '' the XX/XX/XXXX payment and had been delinquent every month since then. Also, WE RECEIVED NO NOTICE THAT OUR PAYMENTS WERE DELINQUENT. 5. This caused us to be denied our incentive of two years ' {$1000.00} principal reduction payments and caused our payment history to appear atrocious. 6. I requested the company age the payments current, notify the credit reporting agencies and apply two {$1000.00} principal reductions. Nationstar acknowledged they had not notified us of the increase but denied responsibility for the resulting payment shortages which they classified as delinquencies and they refused to remedy the damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Had about 10 credit cards attempted to be open in my name. Everyone denied these attempted fraudulent card applications besides American Express they issued a credit card in my name and sent it to me this card then was used to cash advance XXXX $ then a payment was applied according to American Express neither of which i did and i am not sure who would open a fraudulent card to then pay on the card makes no sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
After a thorough review of my credit report, I have identified what I believe to be an inaccuracy in the reporting of this bankruptcy. As per my records, the bankruptcy was discharged, and I contend that it is currently being reported inaccurately. I kindly request that you investigate this matter promptly and verify the accuracy of the information associated with the mentioned public record. If it is indeed reported inaccurately, I request that you take the necessary steps to rectify the error and update my credit report accordingly. I understand that accuracy in credit reporting is crucial, and I am eager to ensure that my credit history is a true reflection of my financial circumstances. I appreciate your attention to this matter and expect a thorough investigation within the timeframe stipulated by the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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 this creditor ( XXXX ) has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting 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.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of 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 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 2023-07-07
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Carrington Mortgage Services , LLC uses an escrow payment projection method that uses a lower projected payment amount than the higher actual current payment amount, to project needed escrow payments for the next escrow year cycle. Because of using their projected current to escrow payment number, they are projecting my escrow account will be short, and as a result, are adding an additional short payment amount to my escrow payment. This is causing my monthly mortgage payments to increase. THIS IS AN ERRONEOUS PROCESS. 

The projected escrow number being used is lower than my actual current escrow payment. Their projected payment number is {$570.00}. I currently pay {$630.00}. If my actual payment number is used in their credit/debit schedule instead, the escrow account is never negative at its lowest point, and does not require an increase to cover any supposed shorts. The account is only projected to be negative if the made up projected number is used. 

This is the second year in a row they have done this. Last year the made up projected payment number was {$520.00}, but I was actually already paying {$610.00}. The scenario last year was the same. If my actual higher payment number was used in the calculation, my escrow account would never have been negative at its lowest point. My loan was sold to them, I never had this issue with the original mortgage holder, and the original holder used the actual escrow payment amount to project the escrow balance for the upcoming year, and not a made up lower projected number. Carrington Mortgage Services , LLC gets this made up projected payment number by taking the escrow disbursements total and then dividing it by 12. By this logic/method, the account will always be short, and they will always raise your monthly payment on a yearly basis. There is no limiting principle to this method, and the method uses incorrect numbers in its calculation. 

I spent many hours with on the phone with Carrington customer service, escalated to supervisors, and various other departments. All of them told me to kick rocks, and this is the way its done. I was told you can not speak to the escrow department on the phone. Customer service also supposedly contacted escrow on my behalf, and were told there is no error. Of course there would be no error found when you rerun the same calculation with flawed inputs. The process itself is the problem. I also sent several emails and follow up emails to the recourse team listed on their website. I was never contacted by the recourse team to address the issue. This is a predatory practice to justify holding more than is necessary in their escrow accounts. My guess would be to have more float to loan or invest for profit. 

My next steps will be contacting an attorney if this predatory practice is not changed/rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$10000.00}

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 non-monetary relief
Consumer complaint received 2022-10-10
Company: Experian Information Solutions Inc.
State: NJ
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 discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and fixed from erroneous reporting in my file are listed on my credit report : 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 2022-09-18
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I paid a off my cc which was close to the limit on Monday, XX/XX/XXXX. Sams Club MasterCard took the money from my checking account, applied the funds to my balance, then put a hold on my cc that was not going to be removed until XX/XX/XXXX. There was no notice nor update to me as a customer. 

Their " system '' would not allow the hold to be removed while I was out of town at a sporting event. I could not get a XXXX XXXXXXXX XXXX be made available. I had been a customer since XXXX, but no more

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 2021-03-11
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agencies are required by law to remove & block any account and information which was found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records. Please remove these files. Please remove the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act : DEPTEDXXXX XXXX XXXX XXXX XXXX DEPTEDXXXX  XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If the Credit Bureaus feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If the Credit Bureaus 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 explanation
Consumer complaint received 2021-03-11
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I got an email - see screenshot attached - that claims I made a purchase for {$790.00} in cryptocurrency. 

I have done none of that. 

the account manager for this company does not identify themselves. 

There is a number to call to cancel the transaction. I called my bank, and paypal to assure that money was not taken and blocked any purchase for such amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: Paypal Holdings, Inc
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello, I can see I have a few PayPal accounts with debt owing and I did not create these PayPal accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Experian Information Solutions 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:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 



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 2022-10-10
Company: EQUIFAX, INC.
State: SC
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 is 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: EQUIFAX, INC.
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:
I am a victim of identity theft. I would like to request that the following account XXXX Account # XXXX be blocked and removed from my report. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX : Account # : XXXX Account Name : XXXX : Account # : XXXX Account Name : XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX : Account # : XXXX Account Name : XXXX : Account # : XXXX Account Name : XXXX : Account # : XXXX Account Name : XXXX : Account # : XXXX Account Name : XXXX : Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of 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 non-monetary relief
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report 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