BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-06
Company: FC HoldCo LLC
State: MI
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:
Improper use on credit report and its dropping my credit I just want it removed it wasnt me at all. Whoever these banks and finance companies are improperly using my credit

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 2018-04-22
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
To whom it may concern : My name is XXXX XXXX and my issue is with XXXX XXXX. I applied for an Evine account which I never knew they worked with this bank, which I heard terrible things about before. I always made my payments on time and as a matter of fact I paid my monthly payment almost twice the minimum payment. My minimum payment is of {$27.00} and my first payment I paid {$30.00}, and after that i paid {$50.00} every month. Seeing that the balance doesn't go down enough I started paying {$70.00}. Today, XX/XX/2018 I received a letter from Synchrony bank where it stated that my account was closed " DUE TO THE NUMBER OF OF DISHONORED PAYMENTS ON THIS ACCOUNT " I was perplexed when I saw this and called the bank right away. I was told that they closed my account because I SUPPOSEDLY had recurring payments on their website and that I failed to honor that. I told them I never did any recurring payments through the computer as I was paying them monthly by phone. I asked them if I am missing or missed any payment and they said no, ap basically they closed my account and are making it sound like I'm not paying my bill because of some recurring payment that was marked on their website and not because I'm not payments. I am a XXXX  and XXXX veteran living on a fix income and trying to fix my credit and for some crooked bank to try to harass me and try to denigrate my credit and reputation is wrong. I would greatly appreciate any guidance and support in this case before I place a lawsuit on this bank. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Application ID XXXX Ckg Acct XXXX Savings Acct XXXX In XXXX XXXX, I applied for a Citizens Bank {$600.00} bonus offer consisting of {$300.00} for a checking account, {$200.00} for a savings and {$100.00} for opening both on the same day, which I did. All other requirements were also met. A few days after opening, I noticed the savings account wasn't showing online when I logged in. I called Citizens and was told there was some sort of glitch on their end and was assured it would be corrected and that the accounts would both show the same opening date.

Six months later I still have only received {$300.00} for the checking account. I was told I didn't qualify for the {$200.00} savings account bonus or the {$100.00} for opening both accounts at the same time because they showed the savings being opened later than the checking, contrary to what they told me in XXXX. Nevertheless, there is still no reason for the {$200.00} savings account bonus not being paid. 

Per their terms, the full bonus should have been paid by XX/XX/XXXX. Numerous messages and phone calls to the bank have produced no results. I have attached documentation proving that all qualifying activities were met and the full bonus should have been paid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-02
Company: AmeriCollect
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I've sent several requests to verify a debt that Americollect is trying to collect from me. I've requested specific information regarding the accounts they state are owed. In their last response to me, dated XX/XX/20, they state that they have provided a response to my request for validation of what they are reporting is in fact accurate and does belong to me. They also claim that my dispute was deemed " frivilous '' because there was not substantial change in information provided. This is an inaccurate statement, which I have attached copies of all letters sent as of today. As you can see in my letters, each one was different and requested different information based on different laws that are afforded to me as a consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I took out a loan with Bank of America. They called Bank Americard the credit card division and got the payoff amount on an open credit card. On XX/XX/XXXX Bank Americard posted a payment for XXXX to my account. This was the amount provided as a payoff amount through the end of XX/XX/XXXX. In XX/XX/XXXX, I received a bill in the mail for additional interest in the amount of {$250.00}. The bill indicated it was for the period XX/XX/XXXX-XX/XX/XXXX. It stated the balances subject to Interest Rate were : {$6800.00} at 14.24 % and {$14000.00} at $ 14.24 %. I do not disagree with owing additional interest. However, I performed the calculations to compute the daily rate and found that they computed interest on a 31 day cycle ( XX/XX/XXXX-XX/XX/XXXX ) rather than a 21 day cycle ( through the payment date on XX/XX/XXXX ). They state I owe {$250.00}. That would be the amount for interest at 31 days. At 21 days the amount is {$170.00}. I called the Customer Service line and was first told the balance subject to interest was not the amount subject to interest. Then they insisted the charge was correct. Then they put me on hold for over ten minutes to compute the rate outside of the computer and disconnected me. I called back and spoke with another representative. They simply insist their calculations are correct. I asked to speak with someone who could actually go through the calculations again with me and was told the amounts are right and there is no one I can speak with. I told them that I am questioning whether they overcharge every person who pays of their credit card.

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 2018-02-13
Company: Ditech Financial LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My issue is with Ditech, and the servicing of my loan. On XX/XX/XXXX,  Ditech paid the flood insurance on my home in XXXX XXXX. The amount paid was {$560.00}. My premium amount was {$450.00}. When I called Ditech on XX/XX/XXXX, they told me that Ditech paid my insurance premium without receiving any documentation from my insurance company for the amount old. The supervisor in the insurance payment division further told me that someone from Ditech called my insurance company on XX/XX/XXXX, and requested the premium amount over the phone, and the insurance provider said that the amount was {$560.00}. Ditech was unable to provide me with any record of this phone conversation when I spoke with them on XX/XX/XXXX. I have a statement from my insurer datedXX/XX/XXXX ( the same date that Ditech says they talked to my insurance company ), saying that my insurance premium is actually {$450.00}. 

I don't believe that Ditech contacted my insurer. I don't believe that they made any attempt to know how much my premium was supposed to be before paying my premium. I can't believe that they would pay my insurance premium without some sort of paper trail or documentation stating the amount of insurance owed. 

This is my second issue with Ditech. Last year, Ditech paid two different premiums on two different hazard insurance policies covering the same house. They did so despite my insurance broker notifying them that one policy had been cancelled, and that I had a new policy. I saw my mortgage payment spike, and had to devote a significant amount of time and effort to retrieving my money -- through no fault of my own.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: Experian Information Solutions Inc.
State: IL
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:
Inaccurate information on my credit report Experian is refusing to take off the negative information and investigation team is not doing their job. My bankruptcy is XXXX owe and XXXX claim.counts are fully paid off and never been late.

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 2018-03-27
Company: DISCOVER BANK
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:
Always paid bills on time had a couple payments sent back wasnt notified of going to be reported not once brought account current with discover next day get notified I was reported score dropped 80pts I sighned up for a payment plan and auto draft also still didnt help get late payment off credit report. Please help thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Good Afternoon, The 3 credit agencies have two wrong addresses on my report. I never lived atXXXX XXXX XXXX or XXXX XXXX XXXX and I need to find out how to get back a government check from social security that was mailed to XXXX XXXX XXXX in or around 2012 when we were allowed an extra XXXX dollars cost of living one time for the year check. Please, help me. Someone cashed that check illegally and I never got any help because at the time I owed taxes and I had to pay extra when I should not have. That money should be reimbursed but all the necessary important places claimed they could not find or help me. Did that slip through the system too? 
Thank you, Sincerely 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 non-monetary relief
Consumer complaint received 2020-05-10
Company: Open Dealer Exchange, LLC
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:
Inaccurate information on 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 2021-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
The following accounts are fraduletly reporting on my credit file. Im offically disputing these accounts, and demanding that they be removed and blocked from my credit file.

1. XXXX XXXX {$360.00} 2. XXXX XXXX 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 2020-05-06
Company: Experian Information Solutions Inc.
State: OH
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:
To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX XXXX XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX   XXXX XXXX failed to give me my " Mini- Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under S i 807 ( 1 ) XXXX XXXX  XXXX XXXX XXXX ( 1 ) XXXX XXXX   XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX XXXX- is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where ABILITY RECOVERY SERVICES is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.XXXX XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

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 2019-04-09
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I sent a seller a total of {$680.00} ( three different payments {$300.00}, {$200.00}, {$180.00} ) for three pairs of shoes. I was in contact with her once the payments were made and she told me told me itd be two to three weeks to receive them once shipped. I waited, and decided to get back in contact with her and after multiple attempts I received no response. I went through my bank to file a dispute in an effort to get my money back, and the claim was denied and I was told to get in contact with Cashapp to receive my money back. I then got in contact with Cashapp and was told there is nothing they can do for me, to try again with my bank. After contacting my bank again regarding the same claim, they then explained to me that Cashapp will not issue a chargeback because their service was rendered. This is very frustrating because I have been given the run around looking to resolve this issue. Cashapp 's customer service is next to useless and I would like to be provided with quality customer assistance to get this resolved, its hard to walk away from {$680.00}, especially when you've been scammed out of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
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: Account status incorrect

Complaint:
On XX/XX/2021 at approximately XXXX, I made my monthly payment of {$580.00}. At the time of my payment, my account was 29 days past due. Once my payment was processed, XXXX listed my date as XX/XX/2021 on my confirmation receipt. They used this deceptive tactic and incorrect date in order to place a " 30 days '' late on my and the co-signer 's credit report files with XXXX, TransUnion, and XXXX. 

This incorrect information caused BOTH credit scores to drop drastically and has had a NEGAVTIVE impacts our credit reports.

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 2018-12-08
Company: SLM CORPORATION
State: MD
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Today alone they have called my home phone 3 times/daughter/ex-husband/ step sister/ XXXX year old mother/ex sister in laws/ex brother in laws and nephew I have seen or talked to in 20 years phones all before XXXX. We had been paying what we can on a part time job of 22 hours ... instead of past due going down they kept adding more and more late fees ... {$300.00} a month is all we can afford but they continue to threaten ... already have 3 in collection

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: WESTERN UNION COMPANY, THE
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Incorrect exchange rate

Complaint:
I sent money via western union today. I checked the market from the time I walked from the counter to my vehicle and the exchange rate was much higher than what I was given. When my recipient picked the amount up in the same day it was still much higher. Where is my money going? Why was I not given at any point the exchange rate of today at any point during my transaction. I lost over 110- 115 pesos per us dollar. This is upsetting seeing that my amount of dollars was not small. My western union tracking number is XXXX todays dat is XX/XX/18 and I was given a rate of of XXXXUSD = XXXX after XXXX eastern time. I have been checking the rates online and they have been well over 1USD = XXXX at the time sending and XXXX of pickup and actually even higher at the time sent. I want to know what and where my money is going since Western union is not keeping up to the exchange rate of the day?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Received letter from XX/XX/2019 from LVNV Funding/resurgent whoever they are. This debt was a write off charge off on taxes with XXXX   XXXX! Im tired of them contacting me not validating the proof that I owe them. This is a 3rd prty collector!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, I've purchased a house in XXXX XXXX, NV back in XXXX and based on my understanding the mortgage rate was not fixed and it can be changed based on the market current rate. 

As of XX/XX/XXXX the current average mortgage rate is bellow 4 % ( 3.75 to 4 ) on 30 year mortgage. 

Back in XX/XX/XXXX my mortgage rate was 3.50 % Back in XX/XX/XXXX my mortgage rate was 3.75 % Back in XX/XX/XXXX my mortgage rate was 4.375 % after Mr. Cooper take over Nationstar Back in XX/XX/XXXX my mortgage rate was 5.375 % Now as of XX/XX/XXXX my mortgage rage is 5.625 % which is almost 2 % more than the current offered mortgage rate. Within last 2 years my mortgage interest dramatically increased to almost 2 % bringing my current mortgage rate to XXXX and this is a disaster! 

This is a a complete rip off and a violation against good customers who are struggling to pay their mortgages and stay current not to lose their only houses. 

I've tried to contact Mr. Cooper numerous times but all my calls and emails were ignored and all my attempts so somehow be helped were declined. 

This is a complete scam and fraud taking place by Mr. Cooper which should be immediately stoped. Even if the mortgage has a floating interest rate, it should always be adjusted to the current average market rate. 

Attached please find all the statements as a proof. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Dont know theses people and I dont owe the amount they are wanting, Im pretty sure this is a scam! I never signed up for anything at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-06
Company: BARCLAYS BANK DELAWARE
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: Account information incorrect

Complaint:
There are two incorrect things on my credit report, in the experian app it shows that my outstanding debt is {$1500.00} but when I log into my chase app it says that, yes, my total balance is {$1500.00} but my available credit for XXXX of my open accounts are {>= $1,000,000} and and my credit usage 996 % and that I used {>= $1,000,000} of {>= $1,000,000} which is 100 % of that. 

The other error is that with my Barclaycard whose credit limit was {$1200.00}, I called them right before they closed my account and they never checked their call logs to see that I did call them and they listed my account not as Credit Grantor can not locate 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 2019-04-09
Company: EQUIFAX, INC.
State: WA
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:
four fraud accounts have been reporting on my credit file, for the longest time, and i have been disputing these inaccuracies, with equifax credit reporting agency, they have not been helpful at all, and XXXX and XXXX have deleted all these inaccuracies except equifax. and they are not even listening now to what u have been trying to explain and they are placing inaccurate disputes and wrong explanations for each disputes. please help me out, i have researched and found out that you are here for consumers to back them up, so i am writing to you in this regards, these few months have been disaster for me and my family. i have never lived under the address the addresses that they are discussing i keep explaining but they dont care. 
please have all these inaccuracies removed from equifax sporting. XXXX bless you.

Company response to consumer: Closed with non-monetary relief