BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-05
Company: SYNCHRONY FINANCIAL
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
This complaint is about Synchrony Bank DBA PayPal Credit. This is the " line of credit you esteblish when you open a PayPal account. I have had a PayPal account since XXXX, and have ALWAYS made either payments on time or paid off the full amount each month. I recently ( around the middle of XXXX XXXX requested AND RECEIVED a credit line increase to {$4000.00}. At the end of XXXX, i had a security issue with one of the cards attached to paypal credit ( nothing to do with paypal ) and i deleted that card. I also paid XXXX of my account off with the XXXX payment and had intended to pay it off in XXXX. When i was doing my taxes, i tried to use paypal to pay intuit. got an error message. when i logged into PayPal credit, i fund that my account had been closed!!! no notice! I called and talked to the customer rep ( who could do nothing except quote company policy ) and actually talked to some " account " rep at Synchrony bank whio said the same thing ... company policy. Today ( XX/XX/XXXX ) i get a letter XXXX dated XX/XX/XXXX ) that gives this reason. " activity on account with Synchrony Bank indicative of high risk of failure to pay ''.!!!!!!!

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 2023-03-24
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The mortgage company that purchased my loan from the bank from whom I originally obtained the loan has notified me that they are raising my payment by {$220.00} per month. They have stated that this is because either my taxes or insurance have increased. My insurance has gone up by {$4.00} total for the year. I have forwarded my tax bill for {$990.00} to them and repeatedly asked them to explain how {$220.00} times 12 months is the equivalent of this increase. No one can answer my question. No one will return my phone calls. No one will agree to look into this matter. I believe that there is a possibility that they are attempting to charge me taxes for the entire property, however the house was split in two halves when it was sold and I only purchased one half of the home. My mortgage is a fixed rate and while I realize that there is the possibility of yearly increases, as well as decreases, per changes in taxes/insurance the idea of an increase of this size makes no sense. I have tried to explain that I am unable to cover that much of an increase and NEED them to look into it to no avail. The most they would do was spread the extra payments over 24 months instead of 12 but that is still an exorbitant amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: The Phoenix Recovery Group
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company has contacted my boss, and my mother trying to get a hold of me. They have told them both they're trying to get a hold of me and to call the number they provide. This is obviously just embarrassing. In the current letter I received they also stated and I quote " Should it become necessary for the original holder of debt to seek legal remedies against you for the above stated amount the debt holder shall not only seek the entire balance in accordance with the original contract due, but also legally applicable pre judgement and post judgement interest, court fees and attorneys fees ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: SYNCHRONY FINANCIAL
State: MI
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: Card was charged for something you did not purchase with the card

Complaint:
Synchrony bank keeps doing an ACH directly from my checking account every day for {$2100.00} but my monthly auto pay is only {$100.00}. I don't even owe.more than {$360.00} on the account. They keep telling me it's my banks problem. Someone is using my account number and bank routing number to pay their synchrony/Lowe 's bill. My bank has to stop processing the payment every day.

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 2021-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
After using other financial services online which would normally include access to my transunion report, my account is being blocked. I can not login to my own account, I can not review the information on my transunion report. There is nowhere that they respond when an email is sent to the credit reporting agency. I have no rights to my own credit report at all.

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 2020-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
This is the second time my identity has been compromised. I don't understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report as soon as possible. XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX {$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 2022-09-11
Company: Experian Information Solutions Inc.
State: NC
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-02-28
Company: Grain Technology, Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I gave Grain my direct account information to auto draft for the bill. According to 15 US 1666B this account contains a billing error I was also not mailed and should not be reporting late. Currently they are hurting my consumer report as a Financial institution who is reporting negative information of me to the credit reporting agencies 15 USC 1681 S-2. I am asking CFPB to Enforce Grain to remove late payments reporting that are indeed inaccurate reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
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:
Yes usaa is not helping me with a. Charge for merchandise I did order overnight and never received as a full tome Rv this is not uncommon and financial institutions need to be more attentive to their customers and the merchants the amount in dispute is XXXX never received a permanent credit in fact a reversal case 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 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2020-03-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2019 through XX/XX/2019, we received unsolicited telephone calls from mortgage lenders and brokers and other third parties who were soliciting us to refinance the mortgage on or property at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX. We had no intention of refinancing the mortgage, and we had not contacted anyone about refinancing the mortgage. The lenders and brokers told us that they received information from Equifax Inc. that caused them to contact us regarding a mortgage refinance. We never authorized Equifax Inc to secure mortgage refinance offers from anyone. Equifax Inc. used automatic systems to unleash a barrage of telephone calls from lenders and brokers regarding a mortgage refinance, and in fact we received 30 telephone calls from lenders and brokers in a 48 hour period, all initiated by Equifax Inc. None of the lenders or brokers provided us a firm offer of credit. All of the calls from lenders and brokers were initiated by Equifax INc. We requested the CEO and Chief Legal Officer to provide us a list of all mortgage lenders and brokers to whom they had sent personal and financial information about us, but they have failed and refused to do so. We asked Equifax to tell us what information they provided to lenders and brokers, but they have failed and refused to do so. Equifax Inc. charges lenders and brokers a fee to provide them with information about prospective mortgage refinance borrowers even when the property owners have no intention to refinance. Equifax Inc has earned fees by disclosing our personal and financial information to probably more than 100 lenders and brokers since we received calls from 30 lenders and brokers in a 48 hour period. The disclosure of our personal and financial information to numerous lenders and brokers potentially subject us to identity theft, but Equifax will not disclose to whom they sent our personal and financial information for a fee. Equifax business practice and model as described violates the Fair Credit Reporting Act. We have sued Equifax INc in federal court in XXXX, but they secured transfer of the case to the XXXX XXXX of Georgia, XXXX Division. We will litigate the case with them as they have refused to make an appropriate and adequate settlement offer though we have made offers to them..Please investigate Equifax Inc. as this is intentional unauthorized disclosure of our information and is an intentional data breach by Equifax for a fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11
Company: FIRST NATIONAL BANK OF OMAHA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Payment due date was one day earlier than I made payment online. No issues with my failure to comply on time. As I never revolve on these accounts, my concern was the average daily balance and interest continuing to accrue until the average daily balance was XXXX or less for the entire billing cycle. Discontinue using card for several months and paying extra to cover one extra day of interests and prevent minimum {$2.00} charge next month was my plan.

4 Options for payment online were 1 ) Full 2 ) Last Statement Balance 3 ) Minimum and 4 ) Other Since first 3 options all were for {$10.00}, I tried to pay {$15.00} using Other amount option. Would not allow stating it could not exceed Full amount. Full amount does not include unposted fees even though we all know they are accruing. This clear effort to prevent intentional over payments to avoid credit balances while also increasing revolving credit interest income seems very deceptive. To force me to mail or wire a separate payment via other means is not very efficient or consumer friendly in my view and I would ask that the Consumer Finance Protection Bureau seek to end this practice of preventing consumers the option to intentionally overpay to avoid additional fees or interest.

Thank you for your consideration.

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 2020-04-29
Company: PNC Bank N.A.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Tried to link my PNC account to my XXXX XXXX to transfer money to a new savings account and it won't work because of PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2022-02-28
Company: Navient Solutions, LLC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Getting a loan

Complaint:
My loan was for XXXX there was a class action lawsuit and this loan was closed in XXXX  somehow XXXX made my federal loan into a private and I have been paying since than. But theres a problem the account should have been closed or forgiven. Instead they are committing fraud making me pay, be in forebearsnce, setup auto pay than they cancel it. The account balance never changes and only increases. My credit was XXXX in XXXX I purchased a vehicle. Than XXXX  reports late payments for XXXX as late payments XXXX years ago this was updated on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am writing to bring your attention to the accuracy and completeness of certain information that has been reported about me. 

-- -- -TransUnion -- -- - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX -- -- -XXXX -- -- - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX -- -- -XXXX  -- -- - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} 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 2022-12-31
Company: Experian Information Solutions Inc.
State: TX
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:
My information was stolen and used without my authority. I have put a freeze on my credit.

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 2021-06-17
Company: Designed Receivable Solutions, Inc.
State: WA
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 a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I have a Bluebird American Express prepaid debit card. An unauthorized party was able to steal my debit card information and withdraw funds from my account via ATMs without the access of the real card. A total of {$2000.00} was withdrawn without my permission from XX/XX/XXXX to XX/XX/XXXX. I discovered these withdrawals on XX/XX/XXXX and called the customer service number on the back of the card on the same day. The representative froze my account and opened a dispute for the seven unauthorized withdrawals totaling {$2000.00}. 

I asked if I should notified the police department and the representative said their side will perform an internal investigation, so notifying the police is not necessary. I submitted the declaration of fraud to the link they sent me on XX/XX/XXXX. 
I received an email notifying me that the dispute was declined on XX/XX/XXXX. I called their fraud department after I received the notice and asked about the decision. The fraud department representative said they cant offer any information relating to the investigation over the phone and told me to write to them. The representative offered to open my dispute again, and I accepted the offer. I asked if filing a police report will strengthen my case, and she said it wont affect my case. The dispute was reopened on XX/XX/XXXX, and the declaration of fraud was resubmitted to them on XX/XX/XXXX. The dispute was declined again on XX/XX/XXXX. 

For my third attempt, I filed a police report with the XXXX Police Department on XX/XX/XXXX, and reopened my dispute on the same day. The declaration of fraud was resubmitted on XX/XX/XXXX. I mailed a letter to American Express requesting the reason for the earlier denial on XX/XX/XXXX, and they havent responded back. The third attempt at the dispute was declined on XX/XX/XXXX. 

American Express has been reluctant to provide information on their decision on my case throughout this whole endeavor. As a customer, I had provided them with all the requested information within the requested time frame, and my disputes were still declined. The fraud department representative can only reopen my case, but can not provide any assistance or information on the investigation. A stranger was able to duplicate my card and steal my money, and American Express refuses to take any responsibilities. I feel helpless as a consumer because I dont know what else I can give to American Express to convince them that money was stolen from me and fraud was committed. Please help.

Company response to consumer: Closed with explanation