BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-08
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
3 of my AMEX credit cards was closed in XX/XX/2022. I was not late making a payment and I had a flawless payment history meaning I always paid on time. They closed my account without providing me with a legit reason. I would like my membership reward points back for my XXXX Credit Card ending in XXXX and XXXX XXXX ending in XXXX. Those points were completely earned by me and I currently have a platinum card open. I would like my points transferred to my platinum card ending in XXXX please so I can continue to earn rewards and enjoy the benefits of my reward cards. These cards are too expensive. I only got them due to their Amazing reward program. Rewards that has been completely robbed from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30
Company: American Financial Network Inc.
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/XXXX my husband and i applied for a house loan through American Financial located in XXXX. At the time the rates were fair and our credit was decent. I advised them that we would be working on our credit so that we can get a better rate when it was time to close. We worked on credit and end having a high XXXX 's for both my husband and I but still ended up receiving a 5.125 interest rate, when at the time they were 4.22 closing XX/XX/XXXX. The company never offered to buy the rated down or pull the credit to see the improvement to offer a better rate. Also the initial closing doc was a different amount and I thought when we closed the amount couldn't be higher well the note went up an additional XXXX which was not acceptable. When I brought this to the lender XXXX XXXXXXXX XXXX attention and the processor it was like I didn't know what I was talking about and they told me they underestimated different amounts. For two years we paid our mortgage with a 5.125 interest rate. I attempted on several occasion to get home refinanced and was given the run around with XXXX XXXX. I feel as though we were scammed by American Financial. The loan was sold to XXXX XXXX in XXXX. 

The document provided was the first closing doc and out not was not XXXX, it increased to XXXX, there was never a mentioning of a rated lock especially not at that high rate. 

I also have emails and credit reports that I can provide but didn't want to attach because it has private information on the documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
XXXX XXXX XXXX XXXX XXXX # XXXX, # XXXX, # XXXX, and # XXXX is reporting lates during the months I was on XXXX XXXX for the XXXX. I did not get back from XXXX XXXX until XX/XX/2019. According to the SSCRA ( Soldiers and Sailors Civil Release Act ) these accounts should have been deferred and I should have no lates on them.

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 2021-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I sent a letter to XXXX, XX/XX/2021, disputing inaccurate accounts on my credit report. They have not provided proof of the accounts, I asked to verify the accounts they listed and they haven't, nor have they responded or removed the information.

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 2020-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX  XXXX  is trying to collect on behalf of XXXX XXXX XXXX for an unknown debt. XXXX XXXX has not supplied any proof of contract, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter 4 months ago. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from any of them. It has been over 60 days since the initial dispute. By law, the maximum time to respond is 30 days. This negative account in the amount of {$1500.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, I deposited a check from my insurance company XXXX XXXX XXXX for {$3900.00} with Chime and now theyre saying they dont have the funds. 

None of the agents know what they are saying, XXXX said I had a 10 day hold and encouraged me to cancel my check and take it into a bank instead. 

They cancelled the check and when I went to deposit it at XXXX XXXX they said the check had already been cashed, this is confirmed by the Accounting Department from XXXX XXXX XXXX and have the email and contact details to confirm. 

The account department said the check was cashed on XXXX XXXX and taken out by XXXXChime , yet Chime is lying now saying they dont have the money!!! 

Someone stole my money!!! I need my money!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: Financial Data Systems
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX/XXXX/XXXX from XXXX XXXX. The creditors is reporting on my credit report as derogatory when it is not my debt and my daughter has XXXX. This is also a VIOLATION OF HIPPA LAW. My daughter indignation should not be disclosed to a XXXX party and this company is trying to collect when it had been paid my 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 2017-12-15
Company: Experian Information Solutions Inc.
State: MA
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 are reporting 3 account on my credit reports and amount are {$470.00}, {$740.00} and {$410.00}. I have disputed this 3 accounts with Experian, XXXX and XXXX and also sent XXXX XXXX XXXX debt validation in which XXXX XXXX XXXX has not responded.

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 2018-05-06
Company: LD Holdings Group, LLC
State: MN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I filled out an online form to see the value of my house and refinancing. Loan Depot has called me 58 times and left 5 second messages. They wont quit calling me. I started to delete my messages before I screen capture so voicemail now says 45. See attached

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2016, I C System placed a derogatory remark on my credit file. They claim that I owe {$670.00} to XXXX XXXX XXXX. I 100 % dispute this charge. This is a service that I told them that I never wanted and they charged me for it anyways. I would like for you to please have this negative remark removed from my credit history as it is greatly affecting me in a negative manner.

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 2020-05-30
Company: EQUIFAX, INC.
State: CA
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:
XXXX  XXXX  is trying to collect on behalf of XXXX XXXX for an unknown debt. XXXX XXXX has not supplied any proof of contract, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter 4 months ago. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from any of them. It has been over 60 days since the initial dispute. By law, the maximum time to respond is 30 days. This negative account in the amount of {$240.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: ALLY FINANCIAL INC.
State: TN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am an XXXX XXXX XXXX  who recently returned from a XXXX to XXXX on XX/XX/2022. Ally Bank denied me access to my savings account due to suspicious activity on the account, even though it was me trying to access my account from XXXX. When I returned home, I called Ally multiple times to resolve the issue ; however, my account is still on hold and I can not do anything with the funds I have in that account. Ally keeps telling me that I may have to wait up to 90 days for access.

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 2020-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX  XXXX  is trying to collect on behalf of XXXX XXXX for an unknown debt. XXXX XXXX has not supplied any proof of contract, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter 4 months ago. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from any of them. It has been over 60 days since the initial dispute. By law, the maximum time to respond is 30 days. This negative account in the amount of {$240.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws.

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 2019-03-05
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I wrote a letter to XXXX XXXX XXXXXXXX XXXX, advising them that I was disputing an account # XXXX in which they claimed I owed {$650.00} to them. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local and state laws. The letter was mailed Certified Mail signature required Return Receipt. As of this date I have still not received any such validation : that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. On XXXX XXXX I pulled a copy of my credit report from XXXX with showed that the account had not been marked disputed by Midland Credit Management. On XXXX XXXX, XXXX I wrote another letter to Midland Credit Management advising them that I have retained new copies of my credit reports and noticed that they did not furnish the credit bureau ( XXXX ) with the required disclosure, within the period required by law. They are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which they signed for on XX/XX/XXXX. I have retained a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. I further reminded them that they may be liable for their willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). As they have violated federal law and state law, by not properly providing the credit bureaus with proper notice within the required time frame, and I have evidence of such, via certified mail receipts, they must now remove the item. On XX/XX/XXXX I once again pulled my XXXX  credit report and noted that they have not removed the invalidated file. See attached documents verifying the above statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: Paypal Holdings, Inc
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX, 2021 : XXXX offered a trial of this product. I was led to try the product for {$5.00}. Instead, XX/XX/2021 : I got the following debits from my account : {$1.00} and {$49.00}. 
On my bank statement, the phone number assigned to XXXX is from PayPal. I do not have a PayPal account and did not authorize XXXX to use PayPal. 

XX/XX/2021 : XXXX, ID # : XXXX, wanted me to provide my SSN, my credit card number, and my banks account and routing numbers. I did feel comfortable providing these, so I initiated a non-fraud claim. Also, XXXX could not verify that I had PayPal and did not ask the name of the company or the products name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: PNC Bank N.A.
State: GA
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:
XX/XX/2019 I went into PNC branch to dispute transactions on my account due to stolen bank information bank card and identify theft. I went over in detail from the printed statement and spoke to someone via phone while at the desk of banker all the transactions not authorized. From the theft of my PNC SmartAccess banking info, card and checking and routing number there were unauthorized charges. 
I advised all unauthorized events with date, time, and amounts. They began the dispute. 
The banker cancels and closed my bank card ending in XXXX and sent a new card to me. 

PNC Case # XXXX Total charges {$370.00} XX/XX/2019 I requested a provisional credit for the charges and have not received anything. 

XX/XX/2019 I initiated a call @ XXXX to speak with the dispute department because at this point no one called me or have I received letter of the dispute In mail. I asked the status of the dispute. Per the caller stated that they have determined that no error has occurred and Denied my dispute due to theft as a loss. 

XX/XX/2019 I stated this is unfair and to redispute this issue because as a consumer to a bank whom is insured FDIC am being failed by PNC. Stated that since a second redispute they will not offer provisional credit for for second disputes. I stated they never accommodated the initial dispute for provisional credit and they were rude. 

XX/XX/2019 I called and they denied my redispute. This now has placed a financial hardships and no resolution. PNC has not protected me or my money as a financial institution. I should not be at loss due to PNC feeling as their opinion not an error. Now I feel as though I am being discriminated and my rights are void. 

According to the policy PNC has {$0.00} member liability and 24/7 Fraud protection. 

I have been denied all of protection and policy and this is unfair and want to submit as a consumer. I have been with PNC for 4 years this is not protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: CREDIT WORLD SERVICES, INC.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have been told since XX/XX/2018 that a collections debt on my XXXX  credit report would be removed and that it would take 30 days. Now 90 days later is remains on my XXXX report. I WANT IT REMOVED TODAY! I have talked with a manager with Credit World and still this is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: Bread Financial Holdings, Inc.
State: VA
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:
I applied for a credit limit increase on my card as I have excellent payment history and use autopay set monthly and have never missed a payment. They sent denial stating multiple reasons that are not true and I don't know where this is coming from and I have checked my credit reports and do not see the issues they are stating and other cards have given me increase with no issue and have not mentioned these supposed issues. 

The issues they state are Delinquent or derogatory real estate secured loan Balances on delinquent or derogatory revolving accounts are to high Delinquent or derogatory account Too many delinquent or derogatory accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30
Company: Paypal Holdings, Inc
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
My account was banned last year for no reason and they told me wait 180 days. Ok even though thats extremely long I waited. After 180 days I still have not received an email! I emailed them and they said just wait for an email. Theyre not even following theyre own rules! How you have a policy to hold funds for 180 days then when that day come you cant give me my funds. The 180th day was XX/XX/XXXX and I still didnt receive an email to retrieve my funds. This is illegal and PayPal are scammers with a legal business. I came here because on the PayPal community center other users said they had to file a complaint to get they money back. I was hoping you could help me too. My email for PayPal is ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: CITIBANK, N.A.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Was to take a trip to XXXX on XX/XX/20 to XX/XX/20 Due to the President of the US and the XXXX XXXX of XXXX shutting down the countries I was unable to go on the vacation. Citi Cards has not been cooperating nor has the XXXX XXXX XXXX XXXX Not being able to get through to either of them. I'm disputing the amount of {$1200.00}

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 explanation
Consumer complaint received 2018-05-06
Company: Garrison Investment Group
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
The online account/payment system in use by XXXX XXXX handles passwords in an insecure manner. Forgotten passwords are sent via email in " Plain text '', instead of a password reset. 
This indicates the password is stored as-is, instead of being hashed. This is also often an indicator that other account data is not being encrypted when stored. 
Further, the password in the email is all capital letters, which raises another red flag. On testing, I confirmed that the password field to log in is not case sensitive, further weakening whatever password is used. 
Please take your customer 's security seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This company IQ Data International keeps calling me and I have advised them I was in dispute, the representative XXXX was very rude threatening me and demanding I send her information to her managers email will driving. Advised her I was driving and she told me send it anyway. She began threatening me saying Im moving forward with actions against you. Very rude, I called and spoke to manager and she was just as rude. This happen on XX/XX/XXXX. @ XXXX. She has been calling me over and over for about hour.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation