BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-13
Company: Hillcrest Davidson & Associates
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2018 AT XXXX for the second time I tried to speak and explain that i did not receive services as agreed but I still wanted to fix the problem if I get proper credit for the money I paid for undelivered services for the 6 months while I was overseas.First they put me on hold and then put a collection agent on the phone so he could insult me by yelling and attempting to intimidate me.He screamed at me and called me a liar saying I upgraded my property with their equipment to get a discount on insurance and that I committed fraud demanding money. He threatened me and said would put a lien on my home and whatever it takes to get me because I am a liar. he also threatened me with a poor credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: ONLINE Information Services, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collection notice from ONLINE Information Services for the following company that I don't have any association with. Here is the flowing information : XXXX XXXX Date of Service : XXXX XXXX Service for : XXXX XXXX XXXX XXXX Amount Owed : {$290.00} The address affiliated to this account is not mine, I have no connec6ion to this address in any way, shape or form. I want this to be resolved so it doesn't affect my credit rating. 

Thank you for you time and considerations in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-13
Company: DISCOVER BANK
State: MA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
My Discover Credit Card was hacked in XX/XX/XXXX because XXXX  stores were hacked and all their clientele 's personal information was taken. I did not realize that my cards had been hacked until XXXX/XX/XX/XXXX. I disputed the charges to my 3 credit cards that I had the XXXX hacked charges. Two of the credit cards refunded my money and Discover refused to refund me what they owed me from that hacking : {$3400.00}. In their estimation, there were just 7 XXXX charges and they felt that those charges were real that I was responsible for them. There were 21 hacked charges not 7. Normally they would call me when there was a constant charge coming from the same place but they never did and they continued paying off those XXXX charges until XX/XX/XXXX. I put in the dispute against the 21 charges and asked them to send me a copy of each charge with signatures. They kept sending me 7 - 9 of the signed charges over and over again and wouldn't send me the 21 signatures. At one point they were going to refund me {$1700.00} until they suddenly took that away and decided, without my approval or authorization to close my case, which they did in XX/XX/XXXX and found that out in XX/XX/XXXX that the case had been closed and that they couldn't do anything for me because I was responsible for all those charges!!! I spoke to someone in the Dispute Office and they told he told me that he would look into it and open it back up for me. Never heard from him and I kept calling asking them what had been done with my dispute. I put in a dispute with the Office of Consumer Affairs in Illinois with XXXX XXXX : XXXX, DE ; XXXX DE ; and again with XXXX XXXX in Illinois because it seems that Discover Card are in so many states that I was being shuffled around from one state/office to another. Charges on my Discover Card from XXXX paid cards that was supposed to be shut off : XX/XX/XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,1XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX : XX/XX/XXXX, XX/XX/XXXX: XX/XX/XXXX : XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. 
I tried to get a copy of all those signatures from XXXX but they informed me that they don't keep receipts. How Discover ever got those 7 signatures and could not get the rest of the 14 signatures is beyond me and truly puzzling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-13
Company: Merchants and Medical Credit Corporation, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I received a letter from this company to learn I had multiple account for XXXX XXXX hospital in their office. Being this was the first time I had heard about these I called right away to ask to make payment. Initially the first rep used scare tactics to obtain my employment information. I refused and provided him with my personally identifiable information and refused to answer the unnecessary employment question. The rep then became very abrasive and combative when he gave me an amount different than the bill amount ( {$430.00} on the bills and he told me {$860.00} ) so I asked to speak with someone else. At this point I was placed on hold for several minutes at which point the rep ( XXXX ) came back to the line and it appeared he had no one else on the phone with him nor did he say anyone else was on the line. He told me if he transferred me I would have to go through this again, is that what I want!?. Taking this as a threat I once again asked for a supervisor to which point another rep named XXXX XXXX abruptly and without warning chimes in on the call and started to hammer me again for the verification information. XXXX was gone and I was now being asked again about my employment. At this point when I declined I was confronted with why I was refusing the information. When I responded asking why it was required XXXX proceeded to tell me it was federal law that I verify my employment when asked. Given I knew this was a lie and yet another scare tactic I asked to speak with XXXX XXXX or XXXX XXXX. XXXX then responded to that request with, why is it because shes your Aunt? Offended and further threatened by me a his XXXX seeming knowledge of my aunts name and employment I hung up the call in a fear for being threatened by this XXXX. He told me if I hung up Id never be allowed to call there again and they would refuse my payment but I hung up any way. I want this investigated and XXXX to be reprimanded

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-10
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
This bank is crazy they lie when I file a complaint they never call me or get back to me just write an email they dont care enough their executive office and not only that I requested a line increase because Ive been with them for a long time and they have never increased my credit limit and they give me a hard time the reasons with their system returned payments when I dont have Any they wont correct or fix this I dont know who to get ahold of now today to my surprise they hurt me more I received a letter that they decreased my limit how is this fair so Im complaining that they wont increase and I dont agree with the reasons and today I get a letter saying they decreased my limit from {$2500.00} to {$600.00}!! This is a joke this is not fair how can they do this to me And get away with it totally unfair how this bank treats its loyal customers

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: MARINER FINANCE, LLC
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 status incorrect

Complaint:
In XX/XX/XXXX, I identified on my XXXX  credit report that Mariner Finance ( previously Personal Finance Corporation ) was incorrectly reporting my account as being in collections. In XX/XX/XXXX, I was 30 days late with my payment, and prior to that, I was current until being 30 days late in XX/XX/XXXX. Since those occurrences, I have not missed a payment. 

On XX/XX/XXXX, I contacted local branch manager XXXX XXXX ( XXXX XXXX XXXX, XXXX, IL XXXX ), and she verified that my account was current in their system. She responded that she would have to take it up with corporate ( XXXX XXXX XXXX XXXX, XXXX, MD XXXX ). I followed up by mailing a copy of the report indicating the account in collections. 

It is now XX/XX/XXXX, and no progress has been made, and my credit score has been adversely affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: EQUIFAX, 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: Account information incorrect

Complaint:
i have been a victim of fraud and id theft, equifax, XXXX, XXXX  all 3 agencies have allowed inquries from companies that i never allowed to use my personal information to obtain or open accounts, cars store, creadit, my name is incorrect i requested all agencies to remove all inquries everyone correct the spelling of my name and updated my correct creadit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have identity theft and fraud on my account. I have reported a claim before and now I will again due to someone else using my information, ssn, and other data in my credtials. The identity theft report number is XXXX. There are 7 disputes in the report. I am not sure how many more are in my other credit bureau reports. My social security number is XXXX and date of birth XX/XX/XXXX. Thank you for looking further into this. 


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 2018-07-13
Company: GREAT LAKES
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Student Account balance and High APR on student loans and student accounts. I would like to enforce my civil rights act as a student and military dependent. I would like to enroll in limited to zero credit and information sharing as well. Thank you. 



XXXX Bless, XXXX XXXX XXXX XX/XX/XXXX Student Accounts in XXXX XXXX University, XXXX XXXX and XXXX XXXX, and XXXX XXXX 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 2020-12-10
Company: Experian Information Solutions Inc.
State: TN
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:
There is a collection debt on my Experian account in which I have been attempting to have removed for over a year and a half now. This collection is under XXXX XXXX XXXX XXXX XXXX. It was for a water cooler service that is a completely different state from which I reside. The debt is {$570.00}. 
I was told to file a police report, write a statement about what happed, and contact the company who is attempting to collect this said debt that is 100 % fraud. 
I did all of the above including filing a report with the Federal Trade Commission. I want to mention that I contacted the company, XXXX XXXX XXXX XXXX XXXX  several times, I was told by two different workers that I would be sent a fraud packet to fill out then mail back to them. I never received one. 
I was also asked by them if I still lived at a California residence they had on file along with some email address. 
I told them I have never lived at the address they asked about and also I mentioned that this is the exact address that is tied to at least 2 other fraudulent accounts opened in my name! 
I gave them my legitimate address so they could mail me this fraud packet ( which I never received ) So, when I spoke with Experian about all of this they said the Bureau had my correct address, which was after I gave the collections Bureau my correct address so they could mail me this fraud packet they never sent. 
Experian has been incredibly disappointing. Every time I call Im told my matter is a dispute and Im then transferred to that department, and when I state my case to them, Im then transferred to the fraud department.

Its insane and infuriating, they just literally transfer me back and forth. This is screwing up my credit score and I cant even seem to get help from a credit bureau. Ive done everything Experian asked like I said and for what? To get jerked around and waste my time.

I really need someones else to get this handled. Please.

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 2020-12-10
Company: SYNCHRONY FINANCIAL
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
synchrony bank created a false debt and sent it it to credit reporting I owed no money They reporting XXXX  account on my credit file which makes no sense why would they open XXXX otherccounts when he claim I didn't pay the first 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 2020-12-10
Company: Navient Solutions, LLC.
State: VA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Navient is trying to collect on student loans during covid reprieve and also reporting non payment to credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My wallet was stolen and used to create a fraudulent account with Barclays Bank Delaware in my name. 

I have attached a Police report as proof that my wallet was stolen and that the account is fraudulent.

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 2020-12-10
Company: Experian Information Solutions Inc.
State: KY
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2018-07-13
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Citibank/Citicards. 

Fraudulent charge to my card on XX/XX/2018 for single transaction of {$24000.00} in another state. No fraud notices or warning from Citibank. 

I discovered and reported the fraud to Citibank on XX/XX/2018. Citibank reported the fraudulent charge to the credit bureau 's, which  made my credit-to-debt ratio appear to be 31 %, which lowered my credit score 112 to 123 points depending on the credit agency, which had undermined my ability to get competitive rates for home loans. I have since cured the credit error with the credit bureau 's ( at least XXXX and XXXX  ). 

Citibank fraud investigation contacted me and confirmed the fraudulent charge would be removed from my account. Citibank also issued me a notice acknowledging they asked the credit agencies to delete the account from my report due to the fraud. 

The Citibank account is set to auto-pay the full balance from my personal checking account on its dues date. Citibank never reversed the fraudulent charge as promised, and the full {$24000.00} was debited from bank account on XX/XX/2018. 

I spoke with Citibank customer service that same day on XX/XX/2018. I spoke with XXXX and her supervisor XXXX. It took 54 minutes, but XXXX finally said she processed the refund, that she would do everything in her power to get it credited back to my account that same day, but it may take 3 to 5 days, and that she would follow-up with me that afternoon to confirm the status of the refund. I was never contacted by anyone from Citibank and none of the {$24000.00} has been returned to me. 

I called Citibank customer service again on XX/XX/2018 and spoke with XXXX. XXXX informed me that the refund had been rejected, and that she had to re-initiate the refund ( which she would not have done except for me contacting Citibank again ). Even then, she said that they would not refund the full amount due to a few hundred dollars in additional charges since then, the balance for which was not due and payable yet. I requested the full {$24000.00} be refunded to me, but she said she was not authorized to do so and would process the lesser amount ( approximately {$24000.00} ). She also stated that it had to be approved by management and would take 3 to 5 days. I asked to speak with management to get it approved today and she refused to transfer me.

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 2020-05-25
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 information incorrect

Complaint:
XXXX / XXXX XXXX  Account was reported as missed payment XX/XX/2020. Which is incorrect. I paid for XXXX and XXXX on time for the {$41.00} that they told me to pay as I am out of work. I am paying as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
i have been a victim of fraud and id theft, XXXX, transunion, XXXX all 3 agencies have allowed inquries from companies that i never allowed to use my personal information to obtain or open accounts, cars store, creadit, my name is incorrect i requested all agencies to remove all inquries everyone correct the spelling of my name and updated my correct creadit scores.

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 2018-07-12
Company: ZIONS BANCORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Zion 's Bank, based in Utah, is engaging in outright unfair banking practices by habitually and deliberately re-ordering transactions and posting deposits irregularly so that the customer incurs their outrageous overdraft fees. 

I have made multiple attempts to resolve this with the bank to no avail. They simply lie shamelessly. 

This year alone I must have incurred over {$1000.00} in these fees, some of which the Bank reimbursed, but most of which they haven't. Plus, they will not stop this practice turning every banking transaction into a guessing game which is devoted to figuring out how to steal more money from me and people like me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-07
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:
XXXX XX/XX/XXXX current on payments XXXX XX/XX/XXXX current on payments XX/XX/XXXX no data XXXX XXXX XXXX XX/XX/XXXX current on payments XX/XX/XXXX 30 days past due XX/XX/XXXX 60 days past due XX/XX/XXXX 90 days past due XX/XX/XXXX 60 days past due I am missing data for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX 2 late payments were previously removed per dispute. All should have been removed per natural disaster and covid 19

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 2020-12-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I used XXXX money transfer service in Bank of America online to transfer {$3000.00} to my mom on XX/XX/2020. The transfer service requires that you use a phone number or email to send to the recipient : in this case, I used my moms cell phone number. My mom registered her XXXX account a few hours later the same day of transfer using her cell phone number. The transaction was marked completed ; however, the money was never deposited into my moms account. I contacted the XXXX Recall Team at Bank of America to file a claim. They said it would take up to 40 days to investigate. After 40 days. Bank of America said that the money was deposited to the recipients account, which it did not. I reached out to the XXXX team again this time with my mom on a 3-way call to verify that she did not receive the funds. Bank of America said that the money was deposited to an account that had the same phone number as my mom, before my mom registered her phone number with XXXX the day of transfer. My mom has had the same cell phone number for over 15 years. This fraudulent activity is due to a token error during transaction processing. Someone was able to verify a phone number to set up their XXXX account as the same mobile number as my mom causing the deposit to the wrong 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