BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-07
Company: Foreman Financial Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I originally purchased a car financed by XXXX XXXX XXXX. I had filed a BK XXXX and it was dismissed because I could n't complete payment plan established due to I was injured on the job. I was making on time payment up until the injury at work. After the BK was dismissed XXXX XXXX had the car towed by a tow company with a suspended license then repossessed the car. I was never informed about what happened to the car. I received notification that the debt was XXXX. I filed another complaint indicating that XXXX XXXX was still reporting the debt as missed payments when it was charged off. After reporting this to you FTC, they contacted me to explain why the amount went from {$7000.00} when it was in bk then it went to {$9000.00}. They reported it as {$12000.00} just recently and now have taken the account out of charged off status then added additional fees totaling $ XXXX. I asked XXXX how did it go from {$7000.00} to {$12000.00} and they tacked on additional fees and interest. After taking it out of charged off status they have sent to a collection agency only after my complaint and tacked on more money claiming additional interest. I purchased the car for {$9900.00} I put down {$2500.00} and made payments up until my injury. They added on additional which they stated for finance fees, I never signed a document for {$15000.00} because I never qualified for that amount. They stated that I qualified for the car at {$9900.00} but they added additional finance fees. They are becoming threatening. They denied reporting the account for missed payments but I still receive alerts for missed payments and have been for several months now. They are aware of my situation, they sold the car, I agreed to the repossession and the charge off per my attorney through BK. I feel that they are retaliating against me because I reported to you about their fraudulent reporting of missed payments for this account. I do not owe {$17000.00} for a {$9000.00} car that I no longer have. They never contacted me about payment arrangements after bk, they just picked up the car. I 'm a single mother paying high end rent and its not cheap. They are threatening my income. This debt statue of limitations runs out next year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I enlisted in Experian boost several months ago which is a new service that allegedly tracks payments and improvesyour credit score. As soon as I signed up for the service Experian began having problems connecting with my bank and it resulted in my credit score dropping by 20 points. I have spoken with Experian and they explained that if I unenroll from the program my credit score would correct itself. It's been a month and my credit score is still damaged by more than 20 points and they continue to tell me they can't do anything about it. I've reported them to the XXXX XXXX XXXX and I've had no response. This seems to be a scam developed by Experian to get a hold of your payment schedules for whatever purposes they would be using them for. I simply want Experian to erase my enrollment in Boost   and return my credit score to where it was in XX/XX/2019 prior to joining Boost

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: Experian Information Solutions Inc.
State: FL
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:
I am convinced that credit bureaus do not really investigate disputes. They just send generic responses. Experian will not handle my dispute correctly. I keep sending them an itemized bill from XXXX XXXX XXXX that clearly shows they have not correctly reported the correct date of when the account went past due. They are re-aging debts illegally to leave accounts reporting longer than 7 years on the credit report. Please see attached docs.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I was told my consumer services that they do not have to offer me deferment while I am in school and I have to start making payments. That is was a kindness that not a requirement for the company to offer deferment. 
I have emailed the company twice as I can not misses any work hours to make a phone call. 
Refuse to use my legal name and the name under the loans when I do talk to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
For your consideration, All three credit bureaus have incorrect phone numbers listed on my credit report. Because my changes of phone numbers have been numerous over the decades this could place me in a vulnerable position in society for companies reviewing my credit using filters on number of phone number changes. 

Unfortunately, there are hidden and unfair forms of stigma and discrimination in society one of which involves black box algorithms which filter according to categories such as numbers of changes of phone numbers.

Such black box algorithms are hidden forms of stigma and discrimination on the part of lenders and other companies reviewing my credit. To protect my right to privacy from these and other unethical forms of practice until these come under greater regulatory scrutiny please remove from all of my credit reports mention of previous phone numbers in accordance with the Fair Credit Reporting Act.

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 States a consumer reporting agency can not furnish an account with my written instructions which none of the three major credit reporting agencies have obtained from 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 non-monetary relief
Consumer complaint received 2022-03-07
Company: PNC Bank N.A.
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
PNC Bank are scammers and gougers! 

They are trying to increase my fixed rate loan to 8 %! The prime rate is currently 3.25 %! This is outrageous. They stated the bank didnt want to lose money and I am stuck in my variable rate loan, with no control. 

I contacted them today XX/XX/07 to make sure my entire HELOC loan could be switched to a fixed rate, to lock in rates before they rise. Id have to be insane to lock in an 8 % interest rate. They said they could raise it as high as 24 %, which is predatory. They stated they sent out letters warning clients to lock in rates now, I never received any such letter. The feds have only raised rates once this year, and it certainly wasnt to 8 %. 

This sickens me and if I could turn back time I would NEVER choose PNC Bank. I am stuck with them and our HELOC loan as well for 178 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I had an opened a account with JC Penny which is backed by XXXX XXXX. When I opened the account they credit limit was XXXX, my credit limit was lowered to XXXX they impacted my credit. My credit limit was lowered to XXXX that impacted my credit, now they have closed the account which has impacted my credit again. I received a credit alert that my credit had been affected by account closure. XXXX XXXXclosed my account without my knowledge.I have had an issued with this bank from day one. I paid the account off.I had n't used the account because I was in the process of purchasing my home and was told to pay the account off and not used the card. 

My account has always been paid on time and never late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
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: Information belongs to someone else

Complaint:
Hello, This complaint is not sent in error, I am a consumer and my TransUnion consumer report doesnt reflect 100 % accuracy. This XXXX  account and XXXX inquiry are listed on my TransUnion Report and needs to be removed immediately. These are fraudulent accounts and I have followed the proper channels to have this information removed from TransUnion. 

I have been trying to remedy this issue to no avail. TransUnion is ignoring the fact that this information needs to be removed immediately. Please see previous complaints : # XXXX and XXXX # XXXX and 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 2017-11-05
Company: Pinnacle Credit Services, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account was removed and proven to not be mine in XXXX of XXXX and it all of a sudden re-appeared XXXX XXXX. The first time the company was n't able to provide me with any type of legally accepted validation of such debt, my personal information was even incorrect. When I asked for validation AGAIN in XXXX of XXXX, all I received was bills with an address I never lived at, no signatures or anything that constitutes legal validation in accordance to FCRA rules. Also the company put the account back on my credit without proper notification as they were obligated to do in accordance to FCRA rules. This account does not belong to me remove it immediately or I will seek legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
ARS collections has been harassing me via mail and phone calls saying I owe them {$1400.00} and I have asked them to validate the debt on many occasions which they have not done. So I called the medical billing center to get a physical copy of the bill and come to find out the actual bill is {$600.00}. This bill is affecting my credit in a negative way and my living situation and they refuse to rectify it.

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 2022-03-07
Company: MILLS LTD. dba Credit Bureau of Klamath County
State: OR
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:
Account opened XX/XX/XXXX in my ex husband 's name. Now is showing on my credit report. I paid balance in full on XX/XX/XXXX and was told to file this complaint to have it removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: REGIONS FINANCIAL CORPORATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had numerous unauthorized charges to my debit card. As soon as I learned of these charges ( received bank statement in the mail ), I reported my card missing or stolen and the next day ( XX/XX/XXXX ) went to the Regions Bank in XXXX, Missouri. XXXX XXXX XXXX XXXX took all my information, completed the required paperwork, assigned case # XXXX, took my debit card and destroyed it. XXXX XXXX told me not to worry and that I should start to get my money put back into my account within 3-5 business days. On XX/XX/XXXX, I received a letter from Regions Bank stating that based on their investigation, they were not giving me credit for any of the unauthorized charges. 

I do not believe that Regions Bank did any investigation because if they had done an investigation, they would have learned, as I did, that the person who made these unauthorized charges was a female named XXXX XXXX, previous address unknown. XXXX is a known XXXX addict in the XXXX XXXX area, and used my account number written on a piece of paper to make the charges. 
On XX/XX/XXXX, XXXX was arrested and sent to the Missouri Department of Corrections in XXXX Missouri. for unrelated charges. I did not give this lady my debit card information, did not know where she lived, did not benefit from any of the items she illegally received, did not make any of the purchases, did not know of the purchases until I received my bank statement, and do not know anything more about these transactions. I am not at fault! 

Another problem with Regions Bank is when XXXX made these transactions, it threw my account into over draft protection which I have a {$500.00} limit. Instead of stopping all transactions at the {$500.00} point, Regions allowed transactions to continue which resulted in over {$800.00} in over draft charges. Regions should have stopped the transactions at the {$500.00} point.

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 2022-03-07
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
For your consideration, All three credit bureaus have incorrect phone numbers listed on my credit report. Because my changes of phone numbers have been numerous over the decades this could place me in a vulnerable position in society for companies reviewing my credit using filters on number of phone number changes. 

Unfortunately, there are hidden and unfair forms of stigma and discrimination in society one of which involves XXXX box algorithms which filter according to categories such as numbers of changes of phone numbers. 

Such XXXX box algorithms are hidden forms of stigma and discrimination on the part of lenders and other companies reviewing my credit. To protect my right to privacy from these and other unethical forms of practice until these come under greater regulatory scrutiny please remove from all of my credit reports mention of previous phone numbers in accordance with the Fair Credit Reporting Act. 

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 States a consumer reporting agency can not furnish an account with my written instructions which none of the three major credit reporting agencies have obtained from 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 non-monetary relief
Consumer complaint received 2017-11-07
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Citibank , N.A . advertised a promotion to open a consumer checking account with a certain dollar amount and receive a cash bonus. Citibank failed to define specific terms of the promotion to its employees and resulted in an apparent deceptive practice bankwide. This practice may have had a negative affect on individuals who receive monthly social security or other government payments. This complaint is not only for the failure to pay the advertised bonus to me but all those who were denied a bonus during the same time period ( XX/XX/XXXX - XX/XX/XXXX ). 

Here is the promotion clause in question : 1 qualifying deposit must post to the new checking account each month for 2 consecutive months after opening the new account This clause has numerous Citibank employee interpretations since it does not state when the 2 consecutive months start. 

Example : New account opened on XX/XX/XXXX and meets all other qualifications. On XX/XX/XXXXgovernment benefits are requested online to be directly deposited into the new Citibank account. Since the government benefits are paid once each month on the first day, the first automatic deposit to the new account will be on XX/XX/XXXX. ( Was not possible to re-direct any sooner as stated by government website ).

Promotion benefit was denied for failure to meet direct deposit for each month. 

Several calls were made to Citibank regarding the denial and each employee had a different viewpoint on the promotion details. I was also told if we pay you, we have to pay all the others we denied for this reason. 

Note : if you look at the promotion on the Citibank website today, it clearly states 60 days for the receipt of the first direct deposit. This was a correction by the Bank and as such, they should pay all those who were denied for their failure to make the earlier promotion clear.

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 2022-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
On XX/XX/XXXX of 2022, I mailed Transunion a copy of my Identity theft report along with a copy of my identification card which is my drivers license, a copy of my social security card, copy of Section 608B of the Fair Credit Reporting Act, and a written statement made by me where I mentioned all the accounts that were results of identity theft. As per USPS Tracking services, it says that Transunion picked up my mail at a Postal Facility on Monday, XX/XX/XXXX of 2022 on and or around XXXX XXXX and was signed by XXXX XXXX. 

Section 605B of the Fair Credit Reporting Act states ; Consumer Reporting Agencies must block the fraudulent information on consumers reports that resulted from identity theft within FOUR BUSINESS DAYS. 
But it has been 7 days since which Transunion received all my paperwork and they havent blocked or deleted all the information from my report. 

***PLEASE SEE ALL ATTACHMENTS FOR ACCOUNTS AND CLARIFICATION****

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 2017-11-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I closed my account in XXXX of XXXX and Bank of America is still allowing recurring charges to go through. The number for the recurring charges does n't work, I do n't recall ever setting it up and finally closed the account Bank of America account to stop giving XXXX {$10.00} a month and Bank of America says they will continue to pay it as long as quick books continues to hit the 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 monetary relief
Consumer complaint received 2019-06-25
Company: BB&T CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XXXX XX/XX/2019, I requested BB & T Bank close my banking accounts and transfer my full remaining balance to XXXX XXXX. I received a confirmation email on XXXX XXXX that said my checking and savings account were properly closed and the wire transfer to XXXX in the full amount of all accounts was completed. 

On XXXX XXXX, I received a notice from BB & T that my account was overdrafted from a pending transaction and received an overdraft fee of {$36.00}. I spoke with BB & T about this matter, and they assured me a mistake was made on their behalf in leaving the account open and they canceled the overdraft fee. Furthermore, I paid the remaining balance from the pending transactions on my accounts and was told that all accounts were officially closed ( for a second time ). 

On XXXX XXXX, I received a letter from BB & T notifying me that I owed {$.00} -- " charged from interest '' -- and my accounts still were not closed -- despite the facts that I had been told on two separate occasions that they were and that I had paid my accounts in full on XXXX XXXX. 

BB & T refuses to conduct any of the account-closing measures over the phone, forcing me to come in person to close the account. 

BB & T 's failure to close my accounts and cooperate over the phone constitute harassment for moving business to a rival bank. BB & T has lied twice about closing my accounts and failure to do so has cost me time away from work and family and has made the transition from one bank to another as difficult as possible. BB & T 's employees are not helpful, have been rude with me over the phone and in person, and refuse to close my accounts as a punitive measure for moving to another bank.

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 2018-09-19
Company: EOS Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company is claiming to be EOS CCA, however EOS CCA states this phone number is not associated with their company. They refuse to tell me what they are calling about until I confirm my address and DOB with them, which I did not feel comfortable doing. Since I take care of most debts via mail, I asked that they stopped calling me. At that point, the calls became more frequent, and at later hours.

Company response to consumer: Closed with explanation