BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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:
I do not want this information to continue affecting me because it is in my report in a negative way. I want it to be reviewed and eliminated now. 



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 non-monetary relief
Consumer complaint received 2023-03-28
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was involved in an auto accident on XXXX. My daughter, age XXXX, and I were transported to the hospital via ambulance and were seen and billed. There was a settlement that sent a check to satisfy me and my daughters bills. ( Both bills were billed in my name ) The original creditor ( XXXX XXXX ) applied the money towards my bill, and kept the overpayment and did not pay the second bill for my daughter. They then sent my daughters bill to collections with Penn Credit Corp. They now are trying to get me to pay a portion of the bill that shouldve already been paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: Bread Financial Holdings, Inc.
State: TX
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:
Comenity Bank MasterCard This complaint is about an unresolved billing error with Comenity Bank. What happened was I cancelled an order for a king size bed from Wayfair. It cost {$1600.00}. Wayfair promised a refund when the bed was back in the warehouse. I never received it. It was tracked to a destination and then sent back to Wayfair warehouse between XX/XX/2020, and XX/XX/2020. It was list in transit, said Wayfair. My balance on Wayfair for the bed lost in transit stayed in my account while in the meantime Wayfair converts their accounts to Comenity Bank where my refund showed still as a balance owed on the conversion date of XX/XX/2020. I tried to resolve this matter with both companies to no avail. Many messages, phone calls, holding for hours, getting hung up on and disconnected, I experienced with frustration, anger, XXXX, XXXX, anguish, as I am told by Wayfair to take it up with Comenity and Comenity, not our problem. Talk to Wayfair. 
I had to make credit card payments to Comenity Mastercard on the bed I never received/supposed to be a refund. I incurred late charges before I even realized that Comenity Bank had issued me an unauthorized credit card from an unauthorized credit app. By the time I figured out what was going on, I had paid Comenity Bank MasterCard two payments to keep my account from becoming delinquent ( {$350.00} and {$200.00} ). I incurred several late fees ( {$40.00}, {$28.00}, {$40.00} ).

Neither company customer service representatives, supervisors, or managers ever took any action in my part except for one Wayfair customer service agent, who assisted me in contacting Comenity and opened a billing dispute for me at end of XXXX. To date I still have not received my refund owed XXXX fees paid or payments credited as this dispute rocks along for now 8 months. I contacted Comenity recently to inquire the status. I was told I would be receiving a refund for all my due money refund credited minus a miscellaneous debit for {$160.00} ( Im too tired to even try to figure that out. ) I was assured two weeks ago that I would be receiving a check for {$2200.00} to my home address. I have not to date received any check. I want my money back ASAP from these crooked financiers with faulty practices and money account procedures and policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: EQUIFAX, INC.
State: WA
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:
I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28
Company: KEYCORP
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 have a complaint ID XXXX XXXX. My complaint is with Key Bank. 
They responded to my complaint that the status of our dispute is closed. I still have not been refunded my money. I know that key Bank is responsible for restoring my funds. They now say that they are waiting for XXXX  XXXX XXXX to refund the money to them. They have to XX/XX/XXXX. If they do not refund the not to my bank, they plan an sending me a letter stating that my money will not be refunded.I find this unacceptable. 
My case number with key Bank is. XXXX Phone XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-14
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
XX/XX/19 - I have obtained a large amount of money from a Mortgage refinance to finally pay off my private student loan debt that is now {$100000.00}, with all of the interest & capitalization they have added. My Mortgage Company sent me eight ( 8 ) checks payable to Navient since they have all of my loans separated into ( 8 ) different account numbers which will pay my entire loan balance in full. 

I contacted Navient to access my account and obtain all of my account numbers to add to the check payments and get them right out in the morning mail. There are two ( 2 ) options now when you log into your account to get a payoff amount. Option # 1 - Online payment {$100000.00} or Option # 2 - US Mail {$100000.00}, which is significantly higher! In these two ( 2 ) options, Option # 2 has a circled letter ( I ) to  click on for an explanation which states that if you do not pay your loan off digitally, they will charge a penalty of another {$370.00} plus possibly more added interest for taking Option # 2 and paying your loan off by check using US Mail. This is absurd, they have already charged me interest after more interest and capitalization costs on top of that to make my college loans well over XXXX XXXX XXXX XXXX and this can not be legal. 

I am an XXXX XXXX XXXX to which I am very dedicated and I love my job. However, in this position you must work very hard and it is also a requirement to continue your education which I have just now completed at XXXX  years of age with two ( 2 ) additional XXXX Degree 's but unfortunately, I also have my additional Federal School debt that is now in excess of {$120000.00}. At this time, I can not imagine how long it will take me to ever get this loan paid off, but I will somehow. I believe that Navient has continually added fraudulent interest charges on all of my private student loans since the start of my education an I do not want to have to give them another cent over my huge {$100000.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-28
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
For the past month, Ive been unable to access my accounts and attempts to rectify have not been resolved. I have called Citi customer service three times and the representatives have chosen not to help or resolve. Its important to note that this is the latest in several issues I have had with Citi ranging from declined credit card purchases to unjustified interests and fees.

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 2022-01-19
Company: Experian Information Solutions Inc.
State: MD
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:
My name is XXXX XXXX. I pulled my credit report and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and their investigation did not fix the problem on my 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 2022-01-23
Company: Experian Information Solutions Inc.
State: OK
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:
Dear XXXX  XXXX, You are in violation of the following subsections of the FCRA ( Fair Credit Reporting Act ) 15 4861681. Before I proceed I would like to make it clear to your company, and those in positions of Authority at your company that congress makes it clear that the banking system is dependent Upon my consumer reports being fair, and accurate to me. Pursuant to 15 us 1681 ( a ) ( 1 ). Pursuant to 15 us, 1681 ( a ) ( 2 ) congress made it clear that you are an elaborate mechanism with no real standing, or authority. Pursuant to 15 486 1681 ( a ) ( 3 ) You were not given this role. You assumed this vital role, and because of your assumption you have negatively affected my life, and those around me causing me severe hardship, XXXX XXXX, and XXXX. I have been unable to get a job because of you assuming this role. Pursuant to 15 u8, 1681 ( a ) ( 4 ) You were unfair in reporting this erroneous information without first consulting with ; me the consumer., You have no proof that this transaction even took place, You were also impartial because you allowed information to be reported while only hearing one side of the story You also infringed upon my right to privacy by having a conversation about me with a third party, and reporting this information as a result of that third party. I am demanding that this information be removed as soon as possible. Pursuant to 15 us 1681 ( a ) ( b ) You did not meet the needs of commerce because this was notFair and equitable to me. This information is not accurate, nor is it relevant to me. Nor was this False information properly utilized in a manner that is or was equitable to me. This transaction If it even took place should've been confidential so you in fact betrayed my confidence, You are in violation of 15 43c 1681a ( d ) ( 2 ) ( A ) 0 ) If this was a factual transaction ( Which you would not know because you were no there ) it would in fact be a transaction that sly took place between me and the person who allegedly made this report. So pursuant to 15 us 1681a ( d ) ( 2 ) A ) ( I ) it should be excluded from my consumer 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 2023-10-13
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Rental debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have reached out to MCM- MIDLAND CREDIT MANAGEMENT, advising this purchase/rental/lease was not made by me. I stated to rep XXXX XXXX that all the rental agreement was sent through XXXX to an unknown email address I do not own nor recognize. I also requested to stop the harassing phone calls to me and family members. There is not and shipping address where these rental goods were sent and no proof that any ID was taken to verify the identity. The representative stated he could not access the account because it has a restriction and refused to provide me with an address to mail out my dispute letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-01-18
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Accessed PayPal through XXXX XXXX XXXX website to make a large donation. With no reason whatsoever the payment was made to another charity altogether- XXXX XXXX XXXX. This is a {$5000.00} donation that was given to the wrong company- and it was PayPals fault entirely. As soon as the transaction was done and we saw it was to the wrong charity- we called and asked them to stop it. They could or would not. They opened a case but then denied it and left to us to contact charity to get money returned. Utterly frustrating and they have taken over payment for so many charities. I will never use them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: ME
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I made Bill pay mortgage payment though my bank, XXXX, to PRMG in the amount of XXXX and it cleared on XX/XX/XXXX for my XXXX payment. I received a collections call two weeks later stating that I had not made my payment. I spoke to a CSR who indicated she found that the payment was put in my escrow account for an unknown reason, and assured me she would correct it, remove the late fee and it wasnt being reported on my credit as late. I made my next payment on XX/XX/XXXX in the same way in the same amount ( my payment due amount is less than XXXX but I pay extra on principal ). Fast forward to about two weeks into XXXX and I began getting collections calls stating that I hadnt made my XXXX payment. I learned that my XX/XX/XXXX payment was never corrected and the XX/XX/XXXX payment was applied to my XXXX payment and not my XXXX payment. I have spoken to 5 seperate people, all have assured me it would be corrected and advised the payment was actually marked as an insurance refund but cant explain why they would mark it as such where it comes from the same place as all my payments for years and in the same amount I pay each time. I have now closed on the sale of that home and the mortgage has been paid off but that {$1000.00} was not applied to my mortgage to get the correct payoff amount, and the money has not been returned. The late fee has not been removed either. Despite multiple calls to prmg I get no resolution or return of money that belongs to me, and continue to get collections calls.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-23
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
For approximately three years, I have submitted required information to XXXX XXXX for a loan modification from XXXX XXXX and the company has denied my request. In response to instructions from XXXX XXXX, I paid for a Broker Price Opinion and the Broker Price Opinion 's was higher than what XXXX XXXX initially said. XXXX XXXX still has the lower valuation noted on my account and again, denied my loan modification. 


Therefore my complaints against XXXX XXXX are the fee I paid for the Broker Price Opinion, failure to review my loss mitigation options within 30 days and the misrepresentation of my property valuation, my payment history and the pay-off amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Citizens Bank closed our checking account without any notification. The reason they gave was because the account was not used in XXXX  days, however I tried to transfer funds from my XXXX XXXX account on day XXXX and the transaction failed, presumably due to the account being in a closed status. 

The account seems active on my internet banking app and is linked to our Citizens Bank HELOC where monthly payments are made directly from the Citizens checking account. I used the account on XX/XX/XXXX and then tried to send a payment on XX/XX/XXXX. 

No letters, emails or texts have been sent warning us this would happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
1. Federal Law requires you respond within 30 days. It has now been over that period since your receipt of my dispute. 
XXXX Case Number : XXXX Please remove it from my credit report. 
XXXX. Federal Law requires you respond within 30 days. It has now been over that period since your receipt of my dispute. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Federal Law requires you respond within 30 days. It has now been over that period since your receipt of my dispute. 
XXXX IL XXXX Account Number : XXXX Please remove it from my credit report. 
Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last XXXX months, or the last XXXX years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation. 
Sincerely yours, 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 2023-04-12
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2023, via PayPal 's XXXX I tried to print one label for an outgoing shipment. I received an error message after trying to create it. I went back and tried two other times and received the same error message. Unbeknowst to me the payment still went through for the label ( s ) the three attempts. The charge was {$11.00} x 3 ( {$34.00} ) and I open a claim on all three of the charges. PayPal closed the claims and says no error was made yet if there was none I would have all 3 labels able to print in the portal. They basically stole the money and ran with it. I would like my refund and it placed back in my PayPal account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: Experian Information Solutions Inc.
State: PA
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:
All credit report agency are showing a XXXX XXXX that over 14 months ago. Ever month this cost me cause I was charged a higher interest rate or denied credit. Also Experian also shows affirm late which the company claims is false they don't report to credit report agency.

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