BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-19
Company: Professional Debt Mediation, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Around XXXX XXXX 2017, i was in the process of moving out of an rented property from XXXX XXXX in XXXX XXXX GA, and shortly after they refused to give us back the security deposit. I began receiving calls and mail learning about a {$1900.00} debt for renovations done to the house ( Mind you we agreed to move in early before they had time to fix up the place ) so that includes the walls that were in need a fresh coat of paint, old and un-maintained hardwood floors, broken dishwasher & oven among other things that were presently wrong with the property at time of lease signing. After some time i informed them i would not pay for their expenses, which i believe is more than crooked for someone who was freshly XXXX at the time to be taking advantage of in such a manner. Furthermore this has caused me to enter early adulthood with a terrible credit score, simply because i refuse to pay for that which i am not responsible for. In retrospect i suggest anyone who is young and naive renting a property, to make sure you get timestamped photos of the property on day one.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My accounts were showing 30 to 60 days late in XXXX and XXXX. Due to XXXX and XXXX, I was informed by creditor that late fees and payments were being waived and credit back to me. Accounts still shows 30 to 60 days late. The following accounts are : XXXX XXXX  : XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX ( XXXX ) XXXX  XXXX, Other Cards : XXXX, XXXX XXXX, XXXX XXXX late payment in XX/XX/2019 has been removed and credited.

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 2017-12-02
Company: Ditech Financial LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am filing this complaint on behalf of my clients. One of the owners has XXXX and XXXX and is very ill. The other spouse had to quit work so that she could tend to her spouses needs and they got behind on their payments and stopped making them. THey tried several times to find someone to refinance them but because of medical bills and loss of income it was impossible. They waited to long to put the home on the market because of the illness. Now they want to sell it so they can get the equity out and move on. The home is listed for sale, the owners have been foreclosed on and have a 6 month redemption period that ends on XXXX XXXX, XXXX. I faxed over the Third Party Authorizaiton and Payoff Letter on XXXX XXXX, I have been trying to reach a person/representative at Ditech since XXXX XXXX, XXXX and finally yesterday reached a representative on XXXX XXXX, XXXX. Their phone system would fail when I asked for a representative, calling several times per day. Every time I asked to talk to a representative it would transfer and I would get the message " you have reached an invalid number '', time after time. 

I asked to speak to a manager at Ditech and was transferred to XXXX XXXX XXXX, Ext XXXX. She said they did get my letter and Authorization letter and will be faxing me a letter in XXXX to 5 days. XXXX said that they could not give me a payoff because the loan was transitioning to XXXX XXXX. I told her there must be some mistake or I need to speak with another manager to get this payoff, she refused and told me there was no one else who could help me. I do know that my clients have a 6 month redemption period to redeem the property or pay off the loan. I need to get this payoff. XXXX XXXX told me to contact XXXX XXXX and gave me the phone number, so I did contact them. 

On XXXX XXXX, XXXX I called XXXX XXXX at XXXX and spoke with XXXX ID XXXX, I asked her if I could get the payoff for the loan and she said no, I would have to get the payoff from Ditech. Once the home gets to them it comes as a property and they do n't have any information on payoff. 

On XXXX XXXX XXXX I called XXXX XXXX at Ditech again and left her a message and let her know that XXXX XXXX does not give the payoff, that we have to get it from the lender Ditech. I am still waiting for XXXX to return my call. 

My clients have equity in the home and will be able to get there equity out so they can move on. I feel that Ditech is making it difficult and are playing games since it is a higher end home and there is equity there. Or I just have not spoken to the right person at Ditech and XXXX is to lazy to find out who I really need to speak to. 

We really need help with getting to the right person and getting the payoff.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
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 have disputed the late payment accounts for months. Experian refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP 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 2017-12-02
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:
I have disputed the following with all three CRA 's with a dispute reason of " contract cancelled '' notating " no contract '' from XXXX-2017 forward. The accounts were never verified or validated by the CRA 's and no additional information was provided. 

The contracts were cancelled with the creditor and I did not sign any contract with the collection agency that they sold the account to making my liability with the collection agency null and void. 

XXXX- {$310.00} XXXX XXXX {$310.00} XXXX XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX- {$60.00}

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 non-monetary relief
Consumer complaint received 2019-04-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
my info was used while i was XXXX for two years and an unused account from 2015 was placed on XXXX for fraud which i did mot commit and its stopping me from getting an account which henders my status of life ( i was also XXXX for 5 years as well this is around the time these things began to occur )

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 2017-12-02
Company: Experian Information Solutions Inc.
State: FL
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:
When trying to built credit you apply for a car loan. Each dealer you go to sends out inquirery to sends it to several credit agencies. The result = each credit reporting agency penalizes you 2 points for each inquiry. You now have a lesser score after trying to built your score. This tactic is working agains you. I had a XXXX and ended up without a loan and a XXXX score. This is hurting people from fixing their credit. End this practice. 
I now can not get any credit because of my credit score. So, how a my supposed to built credit when I can not get it to begin with? Its a catch 22. 
Also, every credit card company that gives you a credit score shows you a different credit score than the credit agency. Its not uniformed.

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 2017-12-02
Company: SYNCHRONY FINANCIAL
State: FL
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:
On XXXX XXXX, XXXX I received a letter in the mail from Synchrony Bank stating that they have lowered my XXXX credit line to {$4300.00} from {$7000.00}. The balance owed on this credit card was {$4100.00}. I find it no coincidence that my credit line was lowered almost to exactly what I owe on the card. I have had this card since XXXX with a few late payments but overall no major problems. 

On XXXX XXXX, XXXX I received a letter in the mail from Synchrony Bank stating that they have lowered XXXX XXXX my credit line to {$100.00} from {$2600.00}. The balance owed on this card was {$0.00}. I have had this card since XXXX with a few late payments but overall no major problems. 

Upon checking my credit report I have also found that Synchrony Bank closed my account with XXXX XXXX XXXX. The balance owed on this card was {$0.00}. 

I have contacted the bank to find out why they are lowering and closing all of my accounts. They have stated a review of my account has resulted in lowered credit lines essentially due to bad credit. 

Two of those accounts I owed nothing on and I have made the majority of my payments on time - when I have not, I have paid the late fees they have in place. Synchrony bank is destroying my credit further by lowering credit lines and closing accounts. I would like to know why after XXXX + years they have suddenly decided they do not want me as a customer anymore. What prompted them to hurt my credit score further and tell me they are doing so because my credit is bad. That makes absolutely no sense. 

Obviously I am beyond angry as my wife and I are trying to build/repair credit in order to buy a home for our family in the near future. Please do not tell me my credit is bad and turn around and make it even worse. This seems beyond unethical especially since my accounts were all in good standing. 

I would like explanation for this and to have all of my accounts reinstated. As well as any damage done to my credit report reversed.

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 2018-03-29
Company: National Credit Systems,Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received original notification that National credit systems wanted to collect on a debt that was not mine. The XXXX Apartments uses a third party company to collect for water, trash, sewer, cable and internet. I was then notified to pay on a bill that is not mine. I was not able to move in the apartment due to bed bugs. I have tried to resolve this issue with The XXXX, XXXX and XXXX XXXX Owners, National Credit Systems, XXXX XXXX, and all parties involved I have been working on this for a year. I have written to the manager of the collection agency, owners of all companies, and called multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Went to do a car loan with XXXX XXXX XXXX of XXXX XXXX Fl. Worked with XXXX XXXX, and through verbal communication we where assured our credit pull once was good for thirty days. Hard credit pulled- good for 30 days. One hard credit pull was legally agreed to. They did a hard credit pull three additional times, without consent. 

Ive attempted to have this issue fix since XX/XX/XXXX of 2019. I have attempted to have Experian Creidt monitoring help, their phone service does not allow help via phone. I can not make these changes on my own, through there website. I need help. Ive also contacted XXXX review, voice messaged the general manager XXXX XXXX  XXXX and those three unauthorized hard credit pulls are still on my credit report for three years. I want them removed, please. 


Ive even write a hard felt plea to please help remove those unauthorized hard credit pulls. 
Here are the unauthorized hard credit pulls -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 2020-05-12
Company: LEXISNEXIS
State: TN
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:
The company is LexisNexis. My case number is XXXX. They sent me a letter with a pin code to access my report. It is not being recognized by their automated system. I tried to fill out the required info on their automated system only to be rejected. I tried to speak to an agent by selecting the prompt when asked. It terminated my call. This happen several times. I find LexisNexis of XXXX, XXXX to be willfully evasive.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: U.S. BANCORP
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm XXXX XXXX I was a victim of identity theft. I check my credit report with XXXX  by XXXX. I see a delinquent account I never had or sign up for With a credit card from US bank. I have a balanced of XXXX with Us Bank that was open on XX/XX/XXXX. During this time I was incarcerated. I was incarcerated from XX/XX/XXXX to XX/XX/XXXX. How can I fix this and clear this out from my credit report? Any questions contact me at XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
You are in violation of the law, and putting me at risk. You should not have this on my report due to items/the information does not include nor does it provide complete details on me, the consumer, which would put me in further at risk of identity theft. In order to be on my credit report, it should provide all of the following : name, address, social security number and/or date of birth. They do not. Beginning in XX/XX/2017, XXXX, XXXX and TransUnion will no longer include records of tax liens if there are not at least three identifiers : name, address and either social security number or date of birth. My tax liens do not include all three or four identifiers, Therefore the state tax liens should be removed from my credit report 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 2020-01-31
Company: United PanAm Financial Corp.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no acknowledgement about and also im going thru the identity theft as of now. 
United auto credit stating account is XXXX is the place saying i owe them i have no acknowledgement of this debt and never used them and i would like them to stop it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: AMERICAN EXPRESS COMPANY
State: GA
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 have had several issues with payments not being posted to the account or the charge being doubled. I put in writing and mailed it to cancel the card and agreed to make payment arrangements. Some how someone tried to reopen the account. This account needs to be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
During my vacation to XXXX, I won a raffle for a free cruise to the XXXX on XX/XX/XXXX. I had to put a {$40.00} refundable deposit down and to redeem it I had to sit at a 2 hour presentation along with the voucher for the cruise. I was scheduled to attend the presentation XX/XX/XXXX at XXXX at the XXXX XXXX XXXX, in XXXX XXXX, Florida. I soon figured out that they were trying to sell timeshare, and just wanted my refundable deposit for attending the meeting. They asked for my information including my social for what was supposed to be registering for the cruise. I now have emails saying I was approved for a XXXX XXXX XXXX XXXX XXXX account and that I also have a XXXX account. I did not authorize anyone to run my credit or social. They did not provide any literature or receipts for the information provided.

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 2018-08-01
Company: Collection Service, Inc.
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection Service Inc. is in violation of the Fair Debt Collection act by attempting to collect on debt beyond the statue of limitations. In Arkansas, contracts not in writing have a statute of limitations of 3 years ( A.C.A. 16- 56-105 ). Debts incurred for medical services have a statute of limitations of 2 years from the date the service ( s ) was rendered or from the date in which the most partial payment was made ( A.C.A. 16-56-106 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was a Citibank customer for more than a decade. The checking account was opened as a Total Free checking according to the contract and I had been using the checking account for years without any fees being imposed on the account. Several years ago, I switched to XXXX but didn't close the Citibank accounts. The Citibank bank accounts were inactive for several year since I switched to XXXX. I did not received any notifications on changes of service/fees on the checking account until couple months ago, out of total surprises, Citibank bombed me with many notifications asking me to pay $ XXXX monthly service fee - confirmed with customer service that the entire {$920.00} was monthly service fees accumulated over years when the account was inactive. 

I tried to resolve this issue by working with Citibank 's customer service, but have been unsuccessful. Citibank intentionally not to send me any notification earlier when the service fee balance was much lower - they have been secretly accumulating service fees on my account for years without any communication so that they can charge me a huge amount at once, without any agreement. 

I hope someone could help me to resolve this issue, but don't know where to go. Hopefully, publishing this horrible experience of mine with Citibank can help other consumers not to be victimized by this 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 2020-05-06
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
On XX/XX/2020, Paypal restricted my account and prevented funds from being transferred to another person to purchase an item. Initially Paypal indicated this was a random action and it only applied to the individual transaction. Then a day later I received an additional email stating that it applies to the entire account and conducting any other transaction could result in account closure. The account is in good standing. Based on the changing restrictions on the account, it appeared as if something was done illegally. I filled out the request to unlock my account. 

On XX/XX/2020, I reached out to customer support to see why it was restricted. I chatted with " XXXX '' who initially ignored my request for information. A second attempt to get the representative to READ was not met with success either. I asked what federal regulation was allegedly violated or paypal policy. At this point XXXX replied it was to keep me and paypal safe. Now I have received three different answers for why the account is restricted. I then requested an email copy of the chat transcript. I was told that ending the chat would give an option to email it. That was false.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-02
Company: TCF FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage is served by Chemical bank and after filing for bankruptcy the have begun reporting that my payments were not made even though they have been. I believe they are doing this to prevent me from rebuilding my credit even though I have not missed a mortage payment ever. I feel this is unfair and believe something should be done to stop this for me and everyone else.

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