BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-28
Company: Financial Business and Consumer Solutions.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received numerous collection attempts since XX/XX/2013, of a medical bill by FBCS , Inc. that doesn't belong to me. When I asked FBCS , Inc. to validate this debt, they go silent for several years and then resend statements demanding payment for the same unvalidated medical bill. I have reached out to the original creditor ( XXXX XXXX ) listed on the statement and they can not validate this medical bill either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: Experian Information Solutions Inc.
State: NV
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:
I have contacted both Experian and XXXX  multiple times in regards to a creditor by the name of " XXXX XXXX '' on my credit report. My last four of my SS # is XXXX. This debt does not belong to me and I have asked the company to prove and verify that it does, which they could not. They have NO wet signature nor contract between them and I. Not only do they not have verification but they are also reporting incorrectly on my credit file. It's showing a closed account as of XXXX however still reporting late payments as of XX/XX/XXXX which is impossible on a closed account from XXXX. This is unacceptable and against FTC and FCRA laws and regulations. This creditor needs to be removed from my XXXX  and Experian credit files 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 2021-10-28
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PAYPAL CLOSE LOCK MY ACCOUNT PERMANENT AFTER REQUEST HELP FOR WITHDRAW MY MONEY. 

NOW I CANT USE PAYPAL, THIS COMPANY IS STILL FROZED MONEY FOR PEOPLE AND THEY JUST TALK ABOUT RISK BUT NEVER SPECIFIC THE RISK. 

this is XXXX  company i feel i want this company one day should pay people for the arbitration decision and stole money to the user, if sombody paid me, and them i call for request my withdrwa why the respond blocking me permanent. 

i see in internet many people has same problem XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I received a letter from Synchrony Bank regarding my XXXX XXXX credit card account, stating that after reviewing my activity my charge privileges have been withdrawn and credit line has been closed. The reason stated was that due to recent activity, plus having XXXX or more dishonored check payments on my account caused the account closure. 
On XXXX XXXX, 2015, I spoke with XXXX with XXXX customer service ( Synchrony Bank ) and told them that I had received a letter from stating that I had returned checks, and as a result I wanted for them to provide me with copies of the returned checks. I was put on hold and she informed me that she could not find any returned payments for my account. She put on hold in order to further investigate with the accounting Department. After some time the agent said that after checking with their Accounting Department, she informed me that there were not any returned checks but due to them having reviewed a recent credit report they decided to close out my account and that I should take it up with my credit bureau since they are the ones that are responsible for the report. I responded by telling the agent that the letter that was sent out did not mention this as a reason or anything with regards to a credit report. I asked the agent to provide me with the name of the person she spoke to in the accounting department but she told me that she could n't provide me with because it was against company policy. I have always paid on time, and have no returned checks that I have issued and have been returned. XXXX customer service department does not have any answers or explanations and keeps directing me to direct my questions to the credit bureaus which does n't to my knowledge include this on my report. At this time, I do n't know what to do, I feel that Synchrony Bank is showing unfair business practices. I have never been late, or returned checks. It has also taken my XXXX XXXX credit card and has closed that account because they are the creditors and because of XXXX activity they sent out a letter stating that due to returned checks on my other account handled by Synchrony Bank they have terminated my XXXX store card, for which I have also always paid. Now, I have XXXX store cards that Synchrony Bank has closed out unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26
Company: Seattle Service Bureau, Inc
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
Collection agency with the phone number XXXX continually threatens to have driver 's license suspended which they have no authority to do.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: Financial Credit Network Inc
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This matter is arising out of a dispute with Financial Credit Network.  They are attempting to collect an unverified debt from XXXX XXXX allegedly originating in 2017. Despite my request I have yet to receive sufficient documentation to validate the debt, nor have i received a breakdown of the interest and fees. Of note, the Statute of Limitation in the State of Arizona is three years. This beg the questions, if this agency even is pursuing this debt legally. Furthermore, the representative was rude and dismissive. They have destroyed my credit and continue to report this " MEDICAL '' debt to the three credit  bureaus, despite my strong denial of ownership of this debt. I would like my credit report updated and this erroneous error rectified, immediately if not sooner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have been a Lowes credit card holder since XX/XX/XXXX and have paid my bill on time every month since then. A few months ago, checks were stolen from my bank account, so that account was closed and re-opened with a different account number. When I went to pay my Lowes account, I used the bank account information that was stored, however, it was the old account number so it was returened. However, I paid the amount due as soon as I realized this was the case. Lowes did not notify me this had happened. The following month, I went to pay my Lowes account with what I thought was the updated account, however they had not updated the account number and had the previous account information stored, so it was returned again. Again, I was not notified by the company, only when I checked my account did I notice that it had not been paid. Again, I promptly paid the payment due. Today, I went to check this account to make sure the account was updated or deleted for the next pay cycle and there was a note on my account saying that it was closed due to returned payments. Once again, I received no notification from Lowes that my account was closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-30
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
This is concerning synchrony bank account thru Walmart for {$1500.00} credit line ... A continuance of XXXX bank account issues. I 'm paying 22 % interest on the Walmart card but the told no interest can be paid till the balance is paid off but again I am charged 22 % interest on the balance monthly.. I 'm to be paying {$25.00} per month minimum I 've been paying {$40.00} collars average for months.. XXXX wo n't help me completely pay off the balance, so that I only owe XXXX place. Soon when they say that they understand, thats false because if the cared and understood then they would helphelp me out without the excuse that I am struggling ... Yes I am struggling.. Me I am struggling not the payments, those are ok but to assist I 'm to pay both, paid more then enough by the VA to afford it all but want XXXX to assist so that I only have XXXX debt that the VA pay can cover the other excuse I was given if something happens I ca n't pay.. Yes I can the VA pay is for life and direct deposit to my accountBut synchrony bank I charing me total 44 % interest 22 % monthly now and 22 % when the whole balance is paid off but if its accruing interest now till I go to pay it then I 'm being XXXX taxed on interest I 've tried to get heard but no one is concerned they are paid. But how to get the account gone I 'm trying to do the intelligent and I need assistance but everybody does n't care who is a real supporter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
CITIBANK on numerous occasions have unethical banking practices and has misappropriated funds. Citibank has discriminated against me as a customer and consumer, Citibank is recorded retaliating against me and violated my banking rights. Citibank in multiple instances have not properly adjudicated claims according to the law, have charged fees that were not owed. When I raised complaints with Customer Service Management, Corporate Office ( Citibank Executive Response Unit ) and Citibank Legal, regarding being harassed by a Citibank associate, my Privacy rights being violated and being antagonized and hung up on by Associates and ultimately disrespected. My phone calls are being evaded, I am prevented from speaking with and opening complaints with the Executive Unit and not being allowed to inquire on my accounts. I have been prevented access from my own funds and not allowed to view my transactions. I was charged banking fees to my Checking account erroneously and most recently a claim for {$230.00} was not adjudicated according to California State guidelines. In addition, My secured credit card was closed due to retaliation due to my advising I will seek legal advice. My funds have not been returned and open claims have not been legally resolved. My Citibank Visa was not graduated to a revolving account as advised and after consistent on time payments in which I called and made numerous complaints with no response nor solution from Citibank. 
Citibank has blatantly misrepresented and attacked my character and made false claims as a means to cover up their unethical bank practices, conduct and illegal activities. I have been unable to view, access and perform transactions on my account. I have been prevented from escalating to the department that investigates disputes. My Consumer rights have been grossly violated and Citibank has performed in a criminal capacity as well. There is legally recorded evidence as well as written. 
Past incident dates include but are not limited to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2020-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Im reaching out because I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. I have reached out several time with the last time being XX/XX/XXXX but XXXX  XXXX  and Transunion are still deciding to report illegal information on my credit file that could be as a result from my identity being compromised from XXXX  data breach- that Im apart of or a mixed credit file of another consumer. This is an automatic FCRA violation of not properly handing my dispute properly because I provided them with documentation on my identity, which shows my address and full social security number. 
I never received any mail in response to this either. It like I am being ignored! From a XXXX search I know I have rights and reporting this information is a direct violation of my rights. The following needs to be deleted. 
XXXX XXXX XXXX Original Creditor : XXXX Hospital Open Date : XX/XX/XXXX Status : OPEN Balance : {$270.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX  Open Date : XX/XX/XXXX Status : OPEN Balance : {$3100.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX  Open Date : XX/XX/XXXX Status : OPEN Balance : {$870.00}

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 2017-03-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Credit card
Issue: Application processing delay

Complaint:
I received a low APR credit card balance transfer offer from XXXX. 
On XX/XX/2017 I initiated a balance transfer from a USAA credit card to a XXXX credit card in the amount of {$3000.00}. I was told that transfers could take from 10-14 business days. 
{$3000.00} was debited to my XXXX credit card on XX/XX/2017. USAA did not credit my credit card until XX/XX/2017. 
On XX/XX/2017, I initiated a second balance transfer from the same USAA credit card to the same XXXX credit card in the same amount of {$3000.00}. On XX/XX/2017, I received correspondence from XXXX advising that they were unble to process my transfer request because " XXXX XXXX XXXX ''. 
I contacted XXXX XXXX : what additional information was needed and XXXX advised me that USAA had denied my second request because USAA " thought it was a duplicate ''. USAA never contacted me to inquire or advise me of their denial. 
I contacted USAA and got a run around explanation. 
On XX/XX/2017 I re-initiated my XX/XX/2017 {$3000.00} balance transfer request from USAA to XXXX. USAA credited this second request on XX/XX/2017. 
On XX/XX/2017 I initiated a third balance transfer request in the amount of {$1000.00} from the same USAA credit card to the same XXXX credit card. 
As of today, XX/XX/2017, I see no posting that USAA has credited my account for the {$1000.00} transfer. 
Since USAA has a state of the art reputation for electronic transactions, I questioned XXXX why there was such a delay between their almost instant debiting of my balance transfer and USAA 's prolonged crediting of the transfer. I was told that USAA required a paper check for payment - they would not execute an electronic funds transaction for balance transfers. 
Since both XXXX and USAA are known for the their worldwide and frequently on-the-move membership community, online and electronic banking are strong points for both. 
If in fact, USAA requires a paper check for balance transfer transactions, it means that I am paying overlapping interest rates - one immediately to XXXX when it debits my account as a balance transfer is treated as an Advance and another to USAA during the delay in their posting a credit to my account. 
USAA has never delayed any of my other electronic payments - they are posted almost immediately. 
It is my belief that USAA is requiring paper checks in order to delay their credit postings in order to collect additional interest income monies. 
I am especially concerned that USAA took it upon themselves to deny a balance transfer payment " assuming ... '' that it was a duplicate without making any effort to contact me, their long time member, to verify my transaction intentions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2016-04-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR
Product: Credit card
Issue: Rewards

Complaint:
I have XXXX credit cards with USAA Bank in XXXX XXXX. They are all Cash Back Cards but they do not tell you on your statements how much you have earned. In addition I asked to receive the cash and they try to get me to get gift cards, etc instead of the cash they owe me. They can not tell me, by card, how much cash I have earned and they try to make you jump through hoops instead of giving you the cash they owe you. I have been trying to get my cash back since XX/XX/XXXX and have been unsuccessful. The credit card dept. says the " rewards dept. '' handles that and the " rewards dept '' says the credit card dept handles that. 4 month and NO CASH. THIS IS JUST PLAIN FRAUD.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: EQUIFAX, INC.
State: NJ
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 XXXX XXXX has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased property in XX/XX/2021. Escrow account was opened with my mortgage as I called them to cancel the escrow, they denied stating that my XXXX is more than 80 %, and if it become less than 80 % I can request the cancellation. I ordered the appraisal through bank Golden1 Credit union, which was completed on date XXXX XXXX. The appraised value came lot higher, thanks to recent increase in the property prices. 
My PMI got removed. 
Bank did not paid my supplement property tax to the county, for which there was delinquency reported on my account and I have to pay the fine. When I contacted bank that why they did not pay supplement property tax, I got response that they do not pay supplement taxes. But I was not notified of that earlier. I had to pay the fine of {$350.00} due to bank 's mistake. The original amount was due onXXXX of {$3000.00} and I paid {$3000.00} on XX/XX/XXXX, XXXX. There was another amount due {$510.00} for which I paid {$560.00} After having this frustrating experience, I requested to cancel my escrow account so that I can take of my taxes by myself, since with the recent appraisal my XXXX become less than 80 %. But now bank is denying my request for escrow cancellation saying that they will apply the original appraised value at purchase date. This was also not notified to me earlier and I did not see such term in their agreement.

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 2016-07-26
Company: TMX Finance LLC
State: CA
Product: Consumer Loan
Sub-product: Title loan
Issue: Charged fees or interest I didn't expect

Complaint:
Titlemax used predatory and evasive techniques when procuring a loan from them. I was in a desperate situation, as I was unemployed and my California Unemployment had not kicked in yet. 6 months ago, I made attempts to return the vehicle to them and they refused to take it back to satisfy the loan. I had no luck selling the vehicle without the title as people are not comfortable with that scenario ( Can you blame them? ). I stopped making payments, as all payments were going towards interest and not principle. Titlemax refuses to collect the vehicle in an effort to continue to collect interest on the account!

Company response to consumer: Closed with explanation