BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-27
Company: Resurgent Capital Services L.P.
State: OK
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Lviv account number XXXX XXXX date XXXX XXXX XXXX XXXX XXXX account XXXX XXXX date XX/XX/XXXX two joint account Im single wrong debt on my credit scoring with XXXX XXXX XXXX account number XXXX date XX/XX/XXXX XXXX date all three equal XXXX XXXX in bad debt on credit scoring not mine dispute with XXXX   has negative items on credit til XX/XX/XXXXXXXX XXXX account XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX and I am a real person upset about the findings of my credit report information. And after checking my credit score to buy a home I have seen some information on my account that wasn't accurate. This is a big violation of my rights to privacy. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-02-04
Company: EQUIFAX, 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:
Equifax continues to verify an unverifiable account reporting to my profile and i request Equifax conduct an INDEPENDENT INVESTIGATION into this matter. I need Equifax to provide concrete proof/ any documentation provided by XXXX XXXX of this accuracy of this account and not hearsay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: EQUIFAX, INC.
State: VA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was part of the XXXX credit information hack I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or TransUnion in the first place. No American can sign up for any service or financial account without being validated by these three, so this is a forced requirement.
Congress should federally mandate that credit freezes, unfreezes, and reporting be made available at no charge and with no conditional requirements ( ie : signing up for credit protection services offered by the agencies or their vendors ). Our ability to BE American citizens relies on our ability to control our credit reporting. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they allow breaches that can cause permanent financial and identity harm. 

Thank you for taking time to read my complaint.

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 2021-03-10
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XXXX XXXX I received a deposit for XXXX from XXXX XXXX I sent XXXX to a family member in order to get cash because chime only allows for XXXX dollars atm withdrawals. I also withdrew XXXX dollars. I then transferred XXXX into my savings as I didnt want that much money sitting inside my spending account. I also put funds onto my XXXX XXXX  card. At XXXX I received an email stating my account was on hold and I had no access to my mobile app or funds. I sent in ALL required documentation they asked me for which were my ID front and back, picture of me holding my ID, proof of address. I sent them all of that. I later received an email asking me to send proof of the deposit in question which was a XXXX loan made to me and under my social. I sent them my loan documents which showed everything even where the deposit in question was going which was my chime account. That wasnt enough they then asked for proof of the deposit again but this time they asked for articles of incorporation and state registry paperwork. Im an iXXXXt XXXX Im not required to have any of that. They then closed my account and said they will not refund me for the remaining money in account and refer to section 9 of their policy ( Section 9 states if balance is 1.00 or less a refund wont be issued ) I had XXXX left all together from my checking and savings. I have given them all verifying information. They then asked me to provide a 1099 misc or invoices of service. I let them know I send invoices to my clients and I provided that and they STILL refuse to release the money to me. My invoices,1099 misc , articles of incorporation, state registry doesnt confirm the deposit. I gave them the very piece of information that confirms the deposit which is the loan documents from itria ventures themselves. Chime has even stolen money that was in my savings account before I received my loan. They are stealing from my family. My bills are past due, I have a XXXX son. I contacted a lawyer for advice who said they are violating several laws. I am required a check in the mail for any funds left over in my account. They are trying to steal money from people who need it most. Please help me recover my funds please

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I complained to Citibank about XXXX XXXX charging unauthorized charges specifically. I complained to Citibank. I am honestly sick and tired of free trials that turn out to be scams. I told Citibank that I was removing my card number from XXXX XXXX. I honestly don't know how XXXX got a hold of my new debit card number but I suspect when I went to pay for something XXXX XXXX captured and stored this information. I am XXXX. I live on a pension. Citibank made my checking account disappear and did something I don't know what to my debit card. When I called Citibank it has already been an hour and a half while they shuffled me around departments. I pay a {XXXX} checking card fee a month. I have direct deposit for my retirement funds. Citibank seems only to have customer service in the XXXX and it appears that citibank loves to pick on and discriminate against XXXX old women. They did all of this without telling me. I am really really upset. I am tired of banks being bullies. I took my account number off XXXXXXXX XXXX. I think something has to be done about the greediness of the tech companies. For some reason Citibank gave priority to paying XXXX. I have been on the phone to someone in the XXXX for 1 hour and 40 minutes. I never agreed to paying XXXX. I think that is a waste of money quite honestly. I did everything I was supposed to do on my end. I feel that Citibank is punishing and retaliating against me. They did not notify me. Honestly I am sick and tired of Banks and their lousy customer service. I lost two people in my family over Covid Something I think Banks with their extremely short memories seem to have forgotten.

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 2017-07-27
Company: NAVY FEDERAL CREDIT UNION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
My complaint is for an insufficient funds fee of {$29.00} that NFCU charged to me on XX/XX/XXXX. They claimed that a company by the name of XXXX XXXX attempted a withdrawal in the amount of {$45.00}. Being as though this is a secondary account the funds are kept minimal and since I was not expecting a debit, the funds were low. I get an unexpected notice of an item being returned. I contacted the merchant twice and both reps told me they did not attempt a withdrawal as my last request for XXXX XXXX XXXX was on XX/XX/XXXX and I used another account that went through successfully. I feel as though NFCU is erroneously stating that XXXX XXXX attempted the withdrawal and then charged me the fee. Normally a company tries at least 2 times to debit a payment and another tempt was n't even paid. I even transferred funds in the account in the event they did.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit XXXX date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2019-09-27
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Respected Senators C.F.P.B IT IS SORRY TO COMMENT. SINCE XX/XX/2016 COME PLAYING WITH MY BANK ACCOUNTS BY PUTTING MY LOGIN. TD BANK HAS A COMPLOT AGAINST XXXX XXXX XXXX AND THE EXPERT CIBER PIRATES OF XXXX BULLYING WITH MY CHECKING ACCOUNTS ... EVERY DAY THAT I TRY TO CHECK MY ACCOUNT. I PUT TDBANK AND IT PAGE WAS CHANGED BY XXXX  XXXX ... XXXX XXXX. ( BULLYING TRAS BULLYING PLEASE NOTIFY TO THE BOTHS CEO OF TDBANK AND EMPLOYEE EXPERT IN XXXX XXXX XXXX. CEO MR. XXXX XXXX. 

BULLYING SINCE XX/XX/2016 TO PRESENT.XX/XX/XXXX NEW ADDRESS OF MR. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, FLORIDA I HAVE THE NECESSITY TO LOGING TDBANK TO CHANGE MY ADDRESS BUT WAS DIFFICULT WITH IT'S FUNNY EMPLOYEE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14
Company: AMERISAVE MORTGAGE CORPORATION
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX I filled in a form online with Amerisave Mortagage in XXXX KY to refinance an existing home mortgage. A Loan Originator by name of XXXX XXXX immediately called me via phone and said he could get me a conventional mortgage at 2.3 % fixed for 30 years ( refinance ) He had me Esign the loan papers on line ( I thought he was honest ). Then the next day he peppered me with emails, phone messages wanting my bank statements, social security award letters, present mortgage statments, etc, which I uploaded and sent. He claimed he never got them and that the ones he did get were not what he requested ( this is a lie ) He claimed my homeowner 's insurance company did not sent a loss payee clause ( which they did, twice ) He said the loan was " approve '' and " all set ''.

I was a little leery about this, he had my credit card info, I checked with my Bank and he had attempted to charge my credit card {$520.00} for a non specific charge. I called him and cancelled the loan. I just read where they were fined in XXXX for the " bait and switch '' scam. i don't think they should be in business

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2019-09-27
Company: SYNCHRONY FINANCIAL
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
XX/XX/XXXX : Received paper mail ( dated XX/XX/XXXX ) from Synchrony reminding me that I have a PayPal credit Account. I do not recall ever opening this credit account and it was never used. I called Synchrony to cancel said credit account. The Synchrony rep was very helpful and closed the account. He confirmed that there was XXXX balance and zero charges. He indicated that the credit account was opened on XX/XX/XXXX. My PayPal account shows that I joined PayPal in XXXX. I closed my PayPal account due to this discrepancy. 

My complaint is associated with the discrepancy between the XXXX and XXXX dates and the appearance that credit accounts are opened without the consumer 's awareness. I do not know whether this is an issue with PayPal, Synchrony or the previous service provider prior to Synchrony.

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 2017-09-15
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have been sending correspondence to XXXX since XX/XX/XXXX to have them validate and verify some of the accounts on my credit report. I sent them 3 different letters, each one month apart giving them the chance to resolve the issues. It is my understanding that in order for them to report accounts on my credit reports, they must be able to verify and validate those accounts. They never sent me anything on how the account was validated or verified even after I asked them on several occasions to do so. It has been over four months and there are items that are still on my credit report that I asked for verification on my first letter on XX/XX/XXXX. I would like all of those items off of my credit report since they have been unable to verify that those accounts actually belong to me. I am aware that they have 30 days, plus an additional 15 days to do so and they have failed that time frame. The accounts are on the letters I will attach. They sent me reports over and over saying the accounts were verified and remain on my account but never gave me proof of verification, like I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Their answer is totally unacceptable. They owe me about XXXX dollars. 
They are charging me interest w/o explaining why. And calling it Converted Balance. I believe I have a right to know what they are charging me for.

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 2018-01-04
Company: Cawley & Bergmann, LLP
State: PA
Product: Debt collection
Sub-product: Credit card 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/XXXX at XXXX AM XXXX XXXX at XXXX, from Cawley & Bergmann told me that an acct I had with XXXX ending in # XXXX in the amount of {$4800.00} was being collected by XXXX. I asked XXXX XXXX for validation of the debt because it was from XXXX or XXXX and I had been a victim of identity theft. He then stated that if the debt is validated then other legal action could be taken against me, by a lawsuit, and then asked me if I would like to settle the debt for {$3100.00} or something close to that. XXXX XXXX tried to scare me into a settlement by telling me XXXX would obtain an attorney and take me to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: Experian Information Solutions Inc.
State: GA
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX  Account Number : XXXX This account has many violations and inaccurate information. The dates reported on all bureaus are different. The dates of last activity for all 3 bureaus are different. The last payment for all bbureaus are different. This account is violating my consumer rights and must be deleted immediately. 

2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once

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 2021-12-23
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There is a fraudulent collection on my credit report that does not belong to me for a medical bill I have no idea where it came from or who it is for. The account is involved in litigation where the account # is XXXX that is located on my XXXX  equifax and XXXX  report. The data gets removed and comes back every 30 days and I don't understand why this account that has nothing to do with me and does not belong to me keeps on reappearing on my account where I am going to sue all 3 bureaus where I am looking for a rental property and this is severely hurting my credit and getting me really upset. The next step for me is contacting my lawyer and suing filing an arbitration.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
In XX/XX/2019 I was charged {$590.00} for interest. At that time my balance on the best buy citi card was below {$500.00}. Now my bill is over {$1000.00}

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 2020-06-23
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
My card was accidentally canceled by issuers, received apology, promise of new card. Now to my surprise, entire account canceled with no credible explanation. Not sure if I lose my sky miles and other perks.

Company response to consumer: Closed with explanation