BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-01
Company: Experian Information Solutions 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:
The following company never proved their methods of verification through several stages of written credit disputes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX this company then illegally sold my information to another credit company in the process of these letters being sent ) XXXX XXXX XXXX  BANK -Attorney General-Child support -Dept of Ed/XXXX  XXXX Options XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank Of Missouri Ret The letters that were sent out are as follows : dispute letter XXXX XXXX mailed on XX/XX/XXXX and received on XX/XX/XXXX XXXX letter XXXX XXXX no response letter mailed XX/XX/XXXX after over 30 days of no response dispute letter XXXX -- VIOLATION OF FCRA RIGHTS DISPUTE LETTER # XXXX mailed XX/XX/XXXX after 30 days of no response or correction to the credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian is reporting   XXXX   XXXX   XXXX   XXXX   Acct #  XXXX  from     XXXX   on my credit. This is account is  XXXX   XXXX   XXXX  and I am no longer liable for this account. This account is too old to be on my report and should be remove immediately. I have sent  three  written requests to Experian which have been ignored.

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 2019-12-20
Company: SYNCHRONY FINANCIAL
State: IL
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:
applied for Old Navy credit card at the register in Old Navy store.  Denied.  Attaced letter was sent as reason for denial....applicant reported as deceased....called XXXX  XXXX  5times, left 5 messages and call was never returned.  Called synchrony bank who verified credit was pulled but had no idea why I was denied as I have a Carecredit account currently active with them.  Couldn't explain anything about XXXX, how they work or why I was denied.  Representative told me over the phone that the attaced letter must be a scam and I should contact the social security administration to see if I've been reported as deceased. She told me Synchrony Bank has nothing to do with this and she couldn't help me.  Called SSA and everything looks fine.  I pulled my 3 credit Bureau reports same day and all looked fine that day however I'm not comfortable with XXXX  rep;orting me as deceased and Synchrony Bank telling me letter is a scam when I received it in response to their bank denying me credit for Old Navy card. ( FYI  since I checked my credit reports I see the Old Navy/Synchrony Bank inquiry has been 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 2017-04-18
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Back in  XXXX    XXXX   while accessing my account information I discovered a check for {$800.00} was cashed by an unknown person. I contacte d Citibank rig ht away and advised them of the issue. From what I learned, an unknown person altered and was allow ed by Citibank to   cashed a check from my checking account without my authorization. Based on information given they informed me that an investigation had to be open and at which time they requested information as well as signed documents. I requested a copy of the check which they sent and at which I informed them I had no knowledge of the person who cashed the check and I also signed an affidavit stating the same. However, over the last  two mo nths, I have been in contact with Citbank on the progress of the investigation and spoke with over  XXXX  representatives ...  XXXX  #  XXXX  ... .  XXXX   XXXX   XXXX   XXXX  .... who kept telling me that it would take 90 days for them to resolve the issue and they kept asking that I sent in documents already submitted. On  XXXX / XXXX /  XXXX   I finally got frustrated and asked to speak with a supervisor, they transferred me to a person by the name of  XXXX ID #  XXXX  but again she informed me that they had no information and that they were waiting for information from the branch and that a letter will be sent at the end of 90 days. Based on my conversation with  XXXX , it appears that they were only now contacting the branch based on my call to them today. However, in the mean time I am out of {$800.00}. Based on my man y calls to Citibank I as ked that they refund my money and the many times I asked the many time they declined stating that they ca n't due to the ongoing investigation.

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 2017-04-18
Company: Financial Credit Network Inc
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have filed previous complaints against  Financial Credit Network f or reporting that I owe {$190.00} for   XXXX   XXXX   XXXX   XXXX  , I have provided my lease that I did not live at that residence, I have provided an affidavit stating this debt does not belong to me, and a police report from the  XXXX   XXXX  Police Department in regard to this matter. When I contacted  Financial Credit Network y esterday on  XX/XX/17   , it was stated that they are awaiting " a response '' from the original creditor after I have proven that this account is reporting fraudulent negative information. I want this account removed from my Credit Report  IMMEDIATELY. I ha ve proven everything that was asked of me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Hi my name is XXXX XXXX email address XXXX XXXX PayPal account was hacked on XX/XX/21 and new address was added to my account. On XX/XX/XXXX my account was closed by theft and all money XXXX + were stollen. I realized that on XX/XX/XXXX and called Pay Pal that day. A representative told me that two checks were mailed to my address. I did not receive any checks. I called many times Pay Pal help desk asking to cancel the checks. I talked with security department but every time I called, I got different representatives and different answers. I also ask to speak to a manager but was not connected after more than hour waiting. It's very unprofessional

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-15
Company: U.S. BANCORP
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, my checking account in XXXX  XXXX XXXX received a wire in transfer ( {$6200.00} ) from US Bank. 

On XX/XX/XXXX, XXXX XXXX XXXX put a fraud hold on my checking account and I can not get access to all the money I have on my checking account ( over {$80000.00} XXXX. 

After constant and torturing communication with XXXX  XXXX XXXX, the staff in the wire fraud department from XXXX XXXXXXXX XXXX told me that it is US Bank that put a hold on my checking account and there is nothing they can do. 

The investigation conducted by US Bank could last from 10 business days and 90 business days, during which time no money in my account can be moved. That is absurd because my checking account has over {$80000.00} and the money in that wire-in is only & XXXX. All my money is in that frozen checking account and I can not even buy groceries or XXXX. 

My request is that USBank withdraw the fraudulent hold on my checking account so that I can get access to the rest of my money or part of my money aside from {$6200.00}.

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 2022-05-01
Company: Rocket Mortgage, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with Rocket Mortgage, XXXX Quicken Loans. My taxes and insurances are held in Escrow, each year. In XX/XX/XXXX, Rocket Mortgage paid out the incorrect amount for the Flood Insurance, with FEMA. Rocket Mortgage, paid out {$7000.00}, the correct amount should have been {$750.00}. I received an Escrow analysis from Rocket, on XX/XX/XXXX. To my surprise not only did I have a negative Escrow, but my new monthly payment was skyrocketing from {$1200.00}, to {$2800.00}. I knew immediately there must be a mistake. I contacted my Insurance agent, who then contacted FEMA, to get this problem corrected and they have since issued a refund for the overpayment. Plus, Rocket mortgage was notified of this. The reason for my complaint is because Rocket Mortgage, insists I pay the higher, incorrect amount, of {$2800.00} ; until the negative Escrow is resolved and a new Escrow Analysis is done. My problem is I can not afford to do that, for the next few months, as they suggest. I am also concerned with my credit report being affected, if this problem is not corrected soon. My next payment is due XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: PNC Bank N.A.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021 at about XXXX am, I used a PNC ATM to deposit {$700.00} cash into my XXXX checking account ( using my XXXX debit card ). I put my debit card in ATM, put in my XXXX pin #, selected deposit to primary checking account, then inserted 7 {$100.00} bills in the deposit slot. 
The machine spit out my debit card, but kept the cash I put in. I immediately contacted XXXX and they told me PNC had to fix the problem. I then went to the PNC branch where the ATM was located. They told me XXXX had to fix the problem since it was a XXXX card used. Every day since, I have spoken to several people at both banks and keep being sent from one back to the other. XXXX did file a dispute but immediately denied it saying they saw now evidence of me attempting a transaction. PNC refuses to file a dispute because it was a XXXX debit card transaction attempt. With neither bank willing to help me, I am out {$700.00} and likely will never see my money again! Its a PNC ATM ( pics attached ) but they say its a third party that services their ATMs. All it takes to resolve this issue is for one of the banks to do whats right and file the dispute so they can get the money in my account. PNC admitted they were having ATM problems for a few days, and the machine doesnt print receipts either ... which would have helped alot. This is alot of money to just watch it disappear. This has now put me in a financial burden thanks to 2 banks ( that im a customer of both ) not being willing to fix it! Honestly, this is pure theft but I dont know where to go for help. 
XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-26
Company: Collection Information Bureau, Inc.
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:
I Have Sent Dispute Letters To This Company That There 's Noting Stating That I Signed Saying Anything Will Be Sent To A Collection Agency. I Signed A Release To Have Medical Treatment and The Release Of Medical Information That 's It Nothing Else And I Want This Off My Credit Further More Its a Hippa Violation!!!!     {$55.00}  XXXX / XXXX / XXXX  {$72.00}  XXXX / XXXX / XXXX  {$110.00}  XXXX / XXXX / XXXX  {$170.00}  XXXX / XXXX / XXXX  {$150.00}  XXXX / XXXX / XXXX  {$190.00}  XXXX / XXXX / XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: Paypal Holdings, Inc
State: VA
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Someone is trying to set up their Paypal account using my email. I do not know if this is fraudulent activity, or a simple error.     After finally getting through to Paypal, they refused to take remedial action, and said that they could not remove my email from this account despite the fact that I never verified the account as being attached to my email.     Someone supposedly named  XXXX   XXXX  created the account, put in a credit application and transferred money ( internationally  ). I  have no knowledge of anyone named  XXXX   XXXX   ( aside from these emails ).      I do not have a Paypal account. I strongly object to someone using my email to conduct their ( possibly fraudulent ) activities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-21
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Navient continues to make it impossible to pay off my debt. The company has raised my interest rate to 10 % on several of my private loans. When I called to discuss interest rate lowered program the representative wanted all of my co-signers information as well. I am unable to give financial information for my co-signers. Also as co-signers they have no obligation to assist with my loans unless I go into default.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against DIVERSIFIED for reporting credit information to the credit reporting agencies that was a result of Identity Theft I 've asked in my letter that the negative reporting ceases and the information be removed from my credit report.     I want the negative credit reporting to cease and for the collection account to be deleted from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Credit card
Issue: Billing disputes

Complaint:
I owed {$260.00} to BankAmericard. BankAmericard sent my bank a payment draft in the amount of {$2900.00} which I did not authorize. I had my bank stop the payment. I contacted BankAmericard who verified this was a fraud from a overseas call. They removed the {$2900.00} from my card. The card was then cancelled and a new card issued. BankAmericard then charged me {$25.00} returned check fee, plus {$2900.00} for the returned check and interest ( to date ) of {$43.00} on this same cancelled account. BankAmericard refuses to remove the amount. They refuse to speak to me on the account saying I have to travel to the nearest card center which is over  XXXX  miles away. They refuse to respond to my letters about this matter. It is now affecting my credit rating.

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 2021-12-14
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Can not get my credit unfrozen from Experion. They do not have any customer service available to ask questions and get help. It is all automated and will not let you get to talk to anyone. This is unfair to the consumer. We need to get answers about what is going on with our information.

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 2021-12-14
Company: BSI Financial Holdings, Inc.
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my home last year, XXXX XXXX. BSI Financial is the loan servicer for my home mortgage. In XXXX, I received a statement from my County indicating that all of the XXXX taxes were not paid and I owed a balance of {$1.00}. I called BSI and indicated that I have XXXX XXXX parcels and that only XXXX of the XXXX taxes was paid. I gave the individual the parcel # over the phone and was informed that I would not be assessed a penalty. In XXXX, I received an escrow analysis that shows BSI Financial paid my XXXX taxes of {$1900.00} in XXXX and again in XXXX. 

They also paid XXXX  taxes of {$1800.00} in XXXX and again in XXXX (?? ) and now they want to increase my escrow account from {$440.00} to {$780.00} a month. I have no clue what property they paid {$3600.00} from my escrow account. I have tried calling them and have left XXXX very detailed voice mail messages for XXXX XXXX, BSI at XXXX XXXX with no return response. BSI wants to increase my current monthly payment from $ XXXX to $ XXXX on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The Debt Collector called and stated that i owed over {$2000.00} for breaking an apartment lease early it should have been for only 2 months rent. They also keep adding more money to the debt and they are not even the original debtor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: Bread Financial Holdings, Inc.
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened an Express Credit Card on XX/XX/2021 with COMENITY BANK and made a purchase. I received the purchase on the XXXX of XX/XX/2021. On XX/XX/XXXX I went online to register my account so when the first payment was due my account would be set up. I discover that there was a payment due on XX/XX/2021 but I had never received a statement to let me know this. I paid the card in full and messaged them that I did not receive a statement and please do not charge me a late fee and interest. I get a message back that no fees have been charged yet when the card closes out they charge me a late fee and interest. I message them again and ask them to REMOVE the LATE FEE and INTEREST. They remove the late fee and {$.00} of the {$7.00} in interest. I have been fighting this for months through messages, phone calls and sending dispute letters, Now that {$7.00} in interest from the first fee charges has turned into {$130.00} in FEES and INTEREST ONLY. I have paid for all my purchases in full and have never missed a legitimate payment. They just refuse to stop this FRAUD. Pure fraud by charging fees on top of fees that were never owed in the first place. I am at my wits end because they are going to continuing adding late fees and interest until {$7.00} turns into hundreds of dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: CITIBANK, N.A.
State: NV
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:
In accordance with the fair credit reporting act XXXX XXXX account # XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

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 2021-12-14
Company: EQUIFAX, 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:
This credit reporting agency has been furnishing unverified information on my report causing me to experience denials of extension of credit. 
I have not verified or approved ANY of the information that is being displayed through their agency. I would consider that fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This credit reporting agency has been furnishing unverified information on my report causing me to experience denials of extension of credit. 
I have not verified or approved ANY of the information that is being displayed through their agency. I would consider that fraud!

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