BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-08
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:
XXXX XXXX XXXX  has violated the FDCPA and FCRA and HIPPA Guidelines. First off my Non-Public Personal information was sold, share, disclose AND ADVERTISED between XXXX XXXX XXXX XXXX XXXXXXXX, and Experian. This is Infringement to my Privacy. I recently disputed XXXX XXXX XXXX because laws were broken in regards to my privacy. XXXX XXXX XXXX, Serviced the account on my behalf, which is A violation under FCRA. XXXX15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. Also Under the FDCPA Violations were broken as well. ~15 U.S. Code 1692 - Congressional findings and declaration of purpose The Unfair Debt collection practices and Misuse of my NON-Public Personal Information being disclosed and shared without my consent. They committed a HIPPA violation by sharing and disclosing my PHI without my consent. While being an uninformed consumer during these Transactions, it has caused damage to my reputation and livelihood.

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 2022-02-09
Company: GLOBAL PAYMENTS DIRECT INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2021 I attempted to set up a {$30.00} online payment with XXXX I made a typo in my account number and when I tried to fix it, the site wouldn't let me backspace and instead submitted it with the wrong account number. I tried to cancel it, I deleted the wrong info and put in a new account number, but instead of deleting the wrong one it created a second payment. I immediately contacted their online chat and tried to get it resolved, to no avail. After XXXX minutes with their chat person their answer was that they couldn't cancel a " successful '' transaction. I told them it was not successful because it was the wrong account number, but they refused to do anything about it. I emailed their customer service but they also did nothing. I contacted my bank and all they would tell me they couldn't do anything. Then I got a letter from Global Payments Check Services LLC telling me that I now owe them {$55.00} dollars and when I tried to dispute that amount they hung up on me. I have a right to dispute it, but they refused to allow it. This whole thing is because their website screwed up and now I'm being charge an XXXX percent penalty for their incompetence. It feels like a scam to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-04
Company: CITIBANK, N.A.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I enrolled in a new checking account with CitiBank as part of a bonus reward program through XXXX XXXX. The terms of the reward program dictated that I sign up for a checking account, set up direct deposit and have at least {$1000.00} worth of deposits made as well as spending at least {$1000.00} in debit card purchases within 3 months in order to receive XXXX bonus miles from XXXX XXXX. I signed up for the account in XXXXXXXX XXXX XXXX and had satisfied all program criteria by the next month, XXXX. I reached out to CitiBank representatives multiple times asking if I had satisfied all the requirements and when I would receive my bonus miles. Well - Every representative told me that yes I had indeed satisfied the criteria. However, some reps told me I'd get my miles within 30 days of satisfying the criteria. After 30 days passed, I contacted them again. This time they said it was 90 days. After 90 days no miles. Nothing. Each time I reached out, a rep told me that they had launched an investigation for me. I contacted them again today, XX/XX/2023, and was told that they didn't know what the deal was and that no investigation had previously been launched. I had been repeatedly lied to. Now it's XXXX and I still haven't gotten my bonus miles and I'm about to take legal action against the bank for luring in customers with false advertising and failure to deliver their promise as outlined in the fine print of the terms of service. I read the fine print and follow the requirements meticulously. They did not live up to their end of the deal and it's absolutely not right. When I asked for a copy of the chat transcipt from my conversation with the rep online, he told me to just copy and paste it into a XXXX XXXX. What? How unprofessional.

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 2022-12-31
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  XXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C 166B A CREDITOR MAY NOT TREAT A PAYMENT ON A CARDIT CARD ACCOUNT UNDER ASN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY REASON

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 2022-02-09
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I told Navy Federal that my card was lost and stolen and because there was fake checks deposited into my account. so we closed that account and opened a new account. So my check of XXXX was in the new account and they transferred it to the old account. Now they're saying that I'm the one that transferred it to the old account and since whoever got had my card when they deposit the checks they would draw {$220.00} and they said that it was me because they were still able to use the account after I closed i. And ever since I made a complaint against them they've been putting me on hold for a multiple times for multiple minutes and and they just called me too much pain and grief.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have an account with Bank of America in which I've discovered daily discrepancies with the purchases from XXXX starting back on XX/XX/XXXX possibly earlier. When I discovered the bogus transactions I contacted Bank of America in XX/XX/XXXX to put a claim in ... they in turn sent me documents with transactions that conflicted with the actual statements as far as the amounts and dates, and the dates in the documents aren't consecutive which makes viewing this data quite confusing! They wanted me to sign this document which I could be accused of committing a crime. And since the information is incorrect they wouldn't have to investigate the charges but instead hold me responsible for them! Financially and Criminally! 
On Saturday XX/XX/XXXX I contacted Bank of America to let them know of the inconsistencies in this claim ... On XX/XX/XXXX I was sent an email by Bank of America to this claim with the same inconsistent documents. 
I don't appreciate being put in a situation to engage in criminal activity by Bank of America. 
Also when I look at the transactions from XXXX in my online statement these dates have been conveniently removed ( XX/XX/XXXX to XX/XX/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 2023-10-02
Company: ProCollect, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am requesting information for the student housing on XXXX XXXX in XXXX Florida to prove that I am the responsible party to the account. The company stated that they did not have my information on file and that I should contact collector. I contacted collector and explained to them that the acct was not infact my responsibility and that I found out about acct thru checking credit report and asked for proof and verification that they had and the representative was only able to state that'd he'd send a letter with debt information and amount owed. I asked for receipts or anything with my name affiliating me to this acct and he was not able to provide anything. I was told to reach out to CFPB which is now what I'm doing. 

Thank you, 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 2021-02-06
Company: Amsher Collection Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had a prepaid service plan with XXXX. When I cancelled my plan, I received a notice from a debt collector ( never from XXXX ) indicating that I owed {$93.00} on my account. I asked Amsher debt collection to provide an itemized bill showing me how it's possible I could owe money on a prepaid account, and they never provided me with documentation. This debt collection was removed from my XXXX credit report for lack of evidence, but when I requested for XXXX to correct this wrongful debt collection, the response was automated in such a way as to not allow for me to explain the circumstances, and not only was the derogatory remark NOT removed, but Amsher debt collection then updated the derogatory remark to show that I did not pay the wrongful debt in XXXX rather than the initial wrongful debt collection which was back in about XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: EQUIFAX, 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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03
Company: MARINER FINANCE, LLC
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Mariner Finance XXXX XXXX XXXX XXXX, GA XXXX Phone : XXXX XXXX XXXX XXXXXXXX Mariner Finance , LLC, claims they sent an unsolicited loan check to an address that I have not lived at for over two years and is also claiming that someone cashed it, they are now demanding payment for the loan from me. One of their representatives reached out to me due to the signature on the check not matching the name on the check. I informed her that I had never even heard of her company much less cashed a check from them and that it was fraudulent and they needed to have it removed from my credit report. I was then informed that I would have to place a police report and give them a copy of it. I did not create this situation but I went and filed the report as asked and gave them a copy of the case number to follow up on. At this point they have now demanded that I come to their office and sign an affidavit so they can further investigate. I refused stating that it was their responsibility to resolve not mine and I will not waste my time and money helping them resolve it. They have now began to call me numerous times a day always someone different from a different office, and a barrage of emails demanding payment threatening to turn it over to collections and possible legal action. I have a copy of the check in question and it clearly shows someone else 's signature. After a very close examination of the check there is no stamp, signage, or even a location address of where it was cashed and by who. When I asked Mariner Finance , LLC to provide this information and proof that the money was actually paid out they refused. This really seems like some kind of scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: JPMORGAN CHASE & CO.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Credit limit was lowered without my knowledge on XX/XX/2020. I received no information that this was going to happen. Called the company and they stated that a letter was sent out on XX/XX/2020, which I did not receive because I was in the process of moving. Found out about the decrease from XXXX to XXXX on XX/XX/2020 due to my credit report. Called Chase because I wanted to know why. Chase reported limited spending, and low utilization and that they sent a letter out. I did not receive this information. I fully pay my credit card off every month, and use this card every month. They will not reinstate my original credit card line without a credit pull. 
I then asked multiple times what their definition of low spending and limited utilization was, which they could not answer despite being the ones to lower my credit limit. They could not tell me how to prevent this in the future. 
It is not right that they lower the credit limit without being able to tell me exactly how I could have prevented this, and not reaching out to me through at least an email. I even changed my address recently and they shouldve sent more notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-06-07
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
If you do overdraw your account by more than {$50.00}, Huntington offers a free overdraft protection feature called 24-Hour Grace. You can avoid an overdraft fee by pulling your balance up to a positive amount by midnight of the next business day. You can also link another account for overdraft protection transfers, which are free. This is what they advertise. But where is the 24 hour grace?? 

XX/XX/2023 PAID XXXX XXXX TRANSFER XXXX - PENDING {$15.00} OD FEE-24 HR GRACE ELIGIBLE OD Fee-24 HR Grace {$0.00} pending {$2.00} XX/XX/2023 PAID SUBSTITUTE CHECK # XXXX - PENDING {$15.00} OD FEE-24 HR GRACE ELIGIBLE OD Fee-24 HR Grace {$0.00} pending {$2.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Ocwen Financial Corporation
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: Account status incorrect

Complaint:
I contacted PHH Mortgage on XX/XX/23 regarding my credit report. I have been in contact with them several times since than via email and phone calls. PHH Mortgage is reporting my account is closed due to being included in Bankruptcy. I had filled an reaffirmation of the loan with them which was signed by the Bankruptcy court, my lawyer and PHH Mortgage during the Bankruptcy. The account should report being open and current. As they are sending me month statements and I'm making my monthly payments on time. I have had countless emails and phone calls with PHH Mortgage trying to correct this. It has only ended up with them sending me an email saying the bankruptcy is closed and the reaffirmation is not applicable to the loan. I have provided them all the paperwork that they asked for. I have contacted my Bankruptcy lawyer for the the reaffirmation paperwork and forward it to PHH Mortgage. I have been advised to seek an lawyer and seek legal matters pertaining to PHH Mortgage now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: AL
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 purchased an Elliptical machine from XXXX XXXX on XX/XX/XXXX, with 12 months interest free financing done by Citizens One. Statement shows a charge for XXXX XX/XX/XXXX for {$2300.00}, 0 % APR 12 MO. I never received a paper statement showing when payment was due or who to send monies to. I did receive a email about statements, but it kept trying to have me set up autopay, which I don't do. Because of this, I was late on my 1st payment, but after calling XXXX to get info needed, Imade two payments in XX/XX/XXXX to catch up. All my statements showed " The current rate 0.000 % will end on XX/XX/XXXX ''. I paid {$200.00} a month to pay off the machine. My final payment of {$170.00} was posted and received by Citizens One on XXXX XX/XX/XXXX. However, I did not catch that XXXX had changed the 0 % APR pay off date to XXXX XX/XX/XXXX on the statement dated XXXX XX/XX/XXXX. I have never seen a company change payoff date in 40 years. But XXXX did it. They then were able to charge me interest of {$1.00}, which I paid and have asked for a refund. I am not a lawyer but this appears to be a deceptive practice and should be illegal. I want everyone in USA to know how Citizen One operates, so they do not get caught up in their deceptive practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: SC
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: Problem with personal statement of dispute

Complaint:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THIS ACCOUNT XXXX  XXXX XXXX IS FRAUDULENT. ATTACHED IS A FTC 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 non-monetary relief
Consumer complaint received 2023-03-09
Company: National Credit Systems,Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2022 I paid the original debtor in full. The original debtor verified the amount owed and the cashier 's check was cashed. Also, the amount I paid was consistent with amount on the judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Information was sent to the credit bureaus stating that the payment is past due and delinquent. I've attached paperwork directly from XXXX site shows that it's current. This mistake has severely dropped by credit by 144 points. I've always had great/excellent credit. I just need this to be corrected with all the three ( 3 ) credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Information was sent to the credit bureaus stating that the payment is past due and delinquent. I've attached paperwork directly from XXXX site shows that it's current. This mistake has severely dropped by credit by XXXX points. I've always had great/excellent credit. I just need this to be corrected with all the three ( 3 ) credit bureaus.

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