BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-20
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, 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 contacted the companies when I found out and they said I have to go thru the insurance company to get it removed.

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 2019-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, 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 contacted the companies when I found out and they said I have to go thru the insurance company to get it removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
the bank is stealing funds and illegally charging my account. They claimed i withdrew XXXX dollars when you can only withdraw XXXX dollars a day. Then they charge me a fee to get my receipt from the atm at the bank. They told me my account was overdrawn which is why I put XXXX dollars in the bank.. In the past they gave collection companies access to my account without a court order.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: BARCLAYS BANK DELAWARE
State: FL
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:
On XXXX XXXX, 2017, I was charged {$2000.00} by a medical facility for medicine I had received but that I subsequently found out I did n't need. I returned the medicine to the medical facility and requested a refund. The medical facility took back the medicine but did not issue a refund. I then contacted my credit card company, BarclayCard and initiated a dispute against the {$2000.00}. A few weeks later I was contacted by BarclayCard and informed since I did not have a receipt showing proof that I returned the medicine they could not move forward with the dispute. I explained that the reason I was filing the dispute was because I did n't have a receipt. I was very upset and surprised to find that BarclayCard was unable to further pursue my dispute because that business did not provide me with proof that I had returned the medicine. I was shocked to find out that the burden of proof was on me to proof I had returned the medicine before BarclayCard would even contact the business. As my credit card company, and based on our relationship, I believed BarclayCard should be advocating and representing me directly in this dispute. If the Medical Center wants to respond to the dispute and state that I never returned the medicine, then let that be the case. But to take the side of the business over its customer, before allowing the business the opportunity to respond, is shocking to me. Barclaycard and I have a business relationship that will survive way beyond this one transaction with one this particular business. I expect Barclaycard to represent me in this dispute and allow the business to justify why they have not issued the credit. I can almost guarantee once the dispute is put forward the business will not contest it because that would mean that they are plainly lying. BarclayCard has now denied my dispute 3 times. They are requiring me to pay {$2000.00} for merchandise I do not have and was returned to the medical facility in new and never used or open condition. BarclayCard will not defend its customers against businesses that are unethical.

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 2017-12-11
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My husband and I have not been home for quite some time due to the past hurricane activity these past few months, the damage that was incurred to our home, and the fact that I am currently XXXX and giving birth XX/XX/2017. I have not received any notice pertaining to this debt and have not been given an opportunity to rectify it prior to this debt being reported on my credit report. My insurance deductible and copays have been met for my policy, it is impossible for me to owe a balance at this point in time. This collection account needs to be validated and I deserved an opportunity to dispute it before my credit was ruined by these third-party fiscal parasites. I am currently in my last trimester and due to give birth in two days, the stress that is being placed upon me by these devious tactics is undeserved. I promise you that if I experience any complications with my baby due to this anxiety you will most certainly be hearing from my attorney.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: EQUIFAX, INC.
State: AL
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:
someone used my Identity to gain medical help, and accumulated a debt of {$1100.00}. it was assigned to a collection agency and reported on my credit profile by XXXX XXXX XXXX -Account number XXXX, I have requested all three credit report agencies to delete the identity theft account. Both Equifax and XXXX have initiated a general dispute ( 30 days ) instead of the guidelines set forth by the FTC through the Fair credit reporting act section 605B which requests the reporting agencies to delete the Fraudulent accounts from my credit profiles within 4 days. Both XXXX and equifax failed to do so. I have uploaded all supporting documents to both agencies and i was informed that my request does not meet the standard fair credit report requirments to delete the file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: Paypal Holdings, Inc
State: IN
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:
On XXXX I received an offer on a auction I had listed on XXXX. I accepted the offer for {$110.00} plus shipping of {$3.00} for a total of {$110.00}. The buyer, XXXX paid via PayPal goods and services that same day, XXXX. I purchased the postage through the XXXX transaction via PayPal on XXXX. This attached the tracking number directly to the transaction in XXXX and Paypal. The item was shipped and I never heard from the buyer after this point. 

On XX/XX/2018 - almost ONE YEAR later I receive an email from PayPal telling me that the buyer, XXXX, has filed an Unauthorized Transaction claim with her financial institution. As a result they have placed a hold on {$110.00} in my account. They stated that they needed tracking information for this transaction. The same day, XXXX, I uploaded confirmation of the sale, purchase, purchase of postage, and tracking number. I couldn't send the actual tracking information as it was no longer available since the USPS does not keep tracking records that long. And now, since it has been over a year that tracking number has been reused. 

On XXXX I received an email from PayPal telling me that because they were unable to verify the shipment information I sent they had officially debited my account for the {$110.00} and additionally they debited my account another {$20.00} for a chargeback fee! 

I called XXXX and they said - sorry, nothing we can do we do not keep records that long. I called PayPal and they said sorry, nothing we can do - she filed the claim with her Credit Card company. They would not tell me the credit card company name. 

How can someone make a claim from that long ago? Unless you have taken a screen shot showing the item as delivered you are out of luck! Everyone knows that tracking information isn't available that long. If this is the case, everyone will start disputing transactions this far out - get their money back and they get to keep the product/items. Where is the seller protection that XXXX and PayPal advertise all the time? My transaction was eligible for PP seller protection. It was goods and services. It had the tracking information. Why wasn't confirmation of delivery kept on file with the transaction history? 

This is not a fair practice. Where is the sellers protection? Unauthorized ACH transactions have 60 days to be filed per the NACHA rules. Where does the credit card company come in on this? 

I am attaching all the documentation I have on this case as well as a screen shot from the buyers XXXX  page showing that she was a user of the product she purchased from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, 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:
On XX/XX/2018, my credit score with Transunion and XXXX was XXXX, I am not sure what XXXX  was, but it was running close. During that time period, XXXX XXXX offered me a credit card for a $ XXXX limit and I thought that would be a good card to have and I was approved. Shortly after I started getting calls for a mortgage loan which I was planning to do anyway because I have been working on buying a home for the past year. 

Maybe I misunderstood, but I was under the impression while looking for a mortgage loan it wouldn't affect my score. I guess I was wrong because my score is now down to XXXX and only went down after 3 attempts of talking to loan companies and giving them the right to check my credit. I have good credit and I have worked very hard getting it but it seems like all three credit bureaus refuse to allow me to keep it. There are inquiries I don't recognize as well and all are considered hard inquiries. I lost 42 points for inquiries? Why? When I am trying to make my life easier and better, it makes no sense at all and I am very upset with this dictatorship of my personal life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
1. credit inquires This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where you organization has made inquiries into my credit history, to have you illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquires removed. 

2. credit report The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.

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 2018-07-09
Company: DISCOVER BANK
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Discover Card has harassed me about a credit card debt that I owed on a balance transfer and they didn't follow through with the agreement I signed. They lowered the credit I originally had without notice, call me over and over to get their money when I was mislead about the whole agreement. I tried calling them several times to say that I didn't agree to this and they kept pushing me around from department to department. Now they are suing me in my county.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: JPMORGAN CHASE & CO.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
On XX/XX/XXXX we make a payment of ( XXXX $ ) from XXXX through ( XXXX XXXX XXXX XXXX. ) bank and the sender reference is ( XXXX ) to XXXX to ( XXXX XXXX ) On XX/XX/XXXX the payment was returned to the correspondent bank under reference ( XXXX ) but at that time our bank account at XXXX XXXX XXXX was closed so we couldn't receive the payment and we asked the XXXX XXXX to recover the payment and they respond they can not do such thing, And we also asked the XXXX XXXX to provide a return swift to track it they said they couldn't provide the swift too ... 
And yet we did not get our refund and did not get any corporation from both side XXXX XXXX and XXXX XXXX XXXX, I need your help to get the return swift and to know where is my refund and what we could do to receive it while our bank account is closed ....

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: Experian Information Solutions Inc.
State: IA
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 submitted numerous disputes with Experian, XXXX, and XXXX with account : XXXX XXXX, XXXX XXXX. Disputes keep coming back saying that they have " VERIFIED '' account. XXXX XXXX States it's an installment account. Account Date opened : Balance {$260.00} ; XX/XX/XXXX, High Balance 0 ; Not reported, / Original amount : Not Reported./ Recent Balance : Not Reported, / Comment. This item was updated from our processing of your dispute In XX/XX/XXXX Date of status XX/XX/XXXX. Now lets get to my Facts, I have received no proof that the account is in fact mine, no original consumer contract with my signature on it. I have received no signed paperwork by me showing I ever had an account with the original company. I have googled the original company and it says it's an internet company, I have never had an account with this company Fact, Experian, XXXX, XXXX, and XXXX XXXX Have broken the LAW. Fact, none of the bureaus have verified this account and Failed to Provide Proof after many disputed requesting to show proof as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

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 2021-02-04
Company: Experian Information Solutions Inc.
State: MI
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 have made several disputes to Experian about an account that they are reporting wrong they account was charged off now its reporting as an open account. I also sent proof of my claim and they still refused to correct the errors. Now to the date of this complaint the account has been Re-aged but they say it accurate how if there has been no agreements or payments made on the account? How can they all have different ( dola ) dates Date of Last activity but all be accurate for the same account theres only one 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
Consumer complaint received 2021-02-04
Company: EQUIFAX, INC.
State: MA
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 have sent in three different dispute letters in regards to unidentified accounts. These dispute letters were dated XX/XX/2020, XX/XX/2020, and XX/XX/2020. I have spent money printing the letters, getting them notarized and having them mailed priority. The creditors or bureau has not sent me any documentation with proof that these accounts were correct. I have spent too much time in regards to the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: CIT BANK, NATIONAL ASSOCIATION
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Citbank has been unwilling to do the right thing and correct their numbers as I try to finalize a refinance with another lender. I gave them the option to reduce my interest rate from 4.5 % to 3.0 % and they refused to help me a XXXX Veteran and Senior. Then after giving me a forebearance plan and agreeing to add the payments to the end of the loan they now make the claim that it is a second mortgage which adds interest, fees and claims that are untrue and complicate closing my refi. My loan amount balance, according to their own statement XX/XX/2021 is {$270000.00}. It has not been above {$280000.00} for the past year yet now they claim I owe {$290000.00} when it comes to a payoff. This is an inflated number on both principle and interest and adds fees that are just part of their attempt to grab more money that they have not earned and is not owed. I have tried repeatedly to get them to do the right thing and make fair and honest adjustments and they just send multi page documents full of words and not real facts so they can get more money and hold up my refinance. This is blatant greed and they are undermining my legitimate effort to save myself monies as I am on a fixed income as a XXXX Veteran Senior. I intend to file a lawsuit if they do not make the adjustment. It is in fact a form of discrimination and unethical and unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
In XX/XX/2017 I deposited a check from a client of mine into one of my Citibank checking accounts ( I have two Citibank checking accounts ). The check ended up getting returned and Citibank bank froze both my checking accountseven the checking account where the bad check wasnt deposited intoand closed both my accounts. This all happened two days after I made the initial deposit. So its not like days or weeks went by and I didnt take care of a bounced check on my account.

I dont have a Citibank where I live so I wasnt able to deposit money into my overdrawn checking, I was only able to do that via online through XXXX  or XXXX, but Citi closed both my accounts. I no longer had any access to my accountsat all!

I called XXXX and asked if they could transfer the XXXX I had in my second checking account ( that was also closed by Citi ) into my overdrawn account but they flat out refused. So not only did Citi close both my checking accounts before I could fix the negative balance in my checking account, they also closed my second checking account and kept the XXXX in it and didnt apply the money to my negative balance of my first checking account. I had my Citibank accounts for over eight years without any issues. Oh and they also reported me to 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