BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-20
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was recently scammed by someone claiming to be a representative from Peoples Bank in the fraud dept. on XX/XX/XXXX and {$3000.00} was stolen from my checking account. 

I immediately called my bank and Peoples Bank does not have a department available for fraud after hours. The only department available to me was to cancel my Credit Card. 

On XX/XX/XXXX I called Peoples Bank call center at XXXX as they open at XXXX to alert them and to put a hold on my account. My claim # XXXX that was filed was recently denied because I gave them the access code but they already had my username. 

I have since closed both my accounts and reopened new ones at peoples as I have been banking with Peoples Bank for over 20 years. 

All the text messages and emails all had the peoples logo on them and even the phone # the called from was Peoples Bank. They stole the money by using the Person to Person and made 5 transactions at XXXX each. 

Is there anything, anything at all that you could do to help me in getting my funds back. I am not in the position to be out {$3000.00}. 

I just recently filed Bankruptcy in XX/XX/XXXX and have a huge trust payment in the amount of {$2800.00} dollars and mortgage payment XXXX all due on XX/XX/XXXX and if I default I am going to be in a bad position. 

On Friday XX/XX/XXXX I visited a XXXX branch to order new ATM cards for my new accounts that I had to open due to the Fraud breach and I dealt with a woman by the name of XXXX XXXX XXXX # XXXX. 

I was and still am in a state of disarray considering all that has transpired. When speaking with her she asked if I still had my son/kids ( due to our conversation ) and I replied yes, she then proceed to tell me she lost child and it is only money. I do not personally know this person. 

I feel that this was very unprofessional. I can not believe that an individual would use the death of her child to try to make someone feel better. 

Losing {$3000.00} is a big loss to me financially and mentally and I filed a formal complaint with the branch manager. 

When the branch manager reached out to me to apologize for his employee that is when I learned that since Peoples bank had denied my claim that they were not going to pursue any type of investigation and that I should try my local police department. 

I have attached copies of the letters i have sent to Corporate Peoples. No one would respond to me in writing only phone calls. I am also attaching the information that was entered into my account of the individuals that the money was transferred. I did not authorize this nor do I know any of these individuals. 
Look forward to hearing from you soon and if you need me to provide any additional information please contact me via email or my cell XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Transunion added previously deleted inquiries from my credit report and a couple of weeks later, those same deleted inquiries were placed back on my file. I spoke with several representatives and they advised that they experienced a glitch and that they will take care of those previously deleted inquiries. I recently pulled my report and found that they were not removed as promised.

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 2017-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I wrote to Transunion to have them remove some addresses and they removed and then re-reported them again on XXXX XXXX, 2017. These addresses are not where I live nor tied to any accounts I have and should not be on my credit report.

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 2016-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have filed a validation dispute with Transunion, XXXX and XXXX regarding Bankruptcies that are listed on my credit report. After filing a validation dispute requesting proof that this debt belonged to me, I received a letter in the mail stating that this debt was confirmed and is said to be my debt. I then contacted the Bankruptcy courts who then advised that they do NOT confirm any debts with the credit bureaus. I would like to know exactly who or how they verify debts for any individual, without proper documentations. I also requested a second validation and was told that I would need to provide additional proof to validate any information on my credit report. I would like this information removed from my credit report because the Bankruptcies were never verified and the credit bureaus are lying to the consumers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: Experian Information Solutions Inc.
State: AZ
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:
N accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX, account # XXXX XXXX/dept of ed, account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX, account # XXXX XXXX, account # XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX, account XXXX XXXX XXXX, account # XXXX XXXX, account # 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 reportion agency can not furnish a account without my written instructions

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 2016-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
A collection agency called me XX/XX/XXXX for money on a XXXX account I had paid in full in person at XXXX XXXX office, {$310.00} on XX/XX/XXXX. The phone had been stolen in XX/XX/XXXX and altho it was insured, XXXX would not replace it. I had an old phone and used it for 6 months while continuing to pay XXXX monthly in full. I switched carriers after the XX/XX/XXXX payment, thinking I was done with XXXX but they continued to charge me. I did n't know this until XX/XX/XXXX** when a collection agency called telling me I still owed XXXX XXXX What was this for? I still have no bill showing any charges. I paid during that first and only phone call because I was away on vacation and not in a position to argue. My records show it was for {$100.00}. 
I wrote to XXXX 's " XXXX XXXX XXXX '' when I learned from several banks that this issue is affecting my mortgage refinance. 
I clicked " dispute '' to submit information on the TransUnion website and it shut down, telling me to apply by mail and submit copies of driver 's license, electric bill. This bad news is on XXXX credit reporting websites : XXXX, Transunion, XXXX, XXXX. On each of them it says " serious delinquency. '' This is costing me money. 
It is impossible to get through to anyone at either XXXX or Experian. Thank you for your consideration. 
**Reconstructed from bank statements, since XXXX never sent a bill or statement showing charges made and payments received.

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 2016-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Transunion and XXXX have the same debt listed under XXXX different collection agencies. Transunion Reports XXXX XXXX XXXX and XXXX reports XXXX.. Both are reported at {$10000.00}. The original debtor is XXXX XXXX XXXX. There is only XXXX DEBT, not XXXX. This mistake is lowering my credit score more than it should. XXXX or XXXX of these is wrong and should be corrected / removed. Furthermore, I have never heard from XXXX XXXX XXXX, and XXXX XXXX XXXX has not finalized the supposed debt, at times asking for a much lower amount to settle the claim.

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 2016-05-01
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I called about some things that appear wrong. Some addresse 's I 've never lived? I was told it 's been to long & could n't dispute the items. Some things that also popped out questions regarding loans for a mortgage & I was asked what bank I used my answer was incorrect because I do not own a home! Telephone # s I do not recognize either. Family members I 'm asked to verify in which I did & none were mine! I was told my request could n't be processed due to security reasons! I can not get back into my reports now.

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 2016-01-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
My Mortgage company promised me XXXX dollars to sell my house as a short sale loan but did not receive the money. Also, all of the paperwork was not signed and completed for the sale of the house.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: Jeffrey G. Lerman, P.C.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received 2 letters from an Attorneys office about hospital bills I never received. I sent a letter to the attorneys office but never received validation of the debt. I am requesting that this attorney not contact me anymore and the original debtor contact me/send me verification of the debt so that these bills can be evaluated for hardship. I sent a letter to the attorney 's office and as of today I have not received an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: FIRST COMMUNITY MORTGAGE, INC.
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I entered into a mortgage with First Community Mortgage also known as " AKA FCM '' on XXXX, XXXX. XXXX. My payment was {$600.00} which I paid until XXXX of XXXX. At the end of XX/XX/XXXX I received a statement from FCM stating my mortgage payment would be {$620.00} due to escrow. I contacted my insurance company to find out if my insurance went up. I was told NO that actually it went down {$68.00}. I then called XXXX XXXX Al. to find out if my taxes had gone up. I was told no that because i was XXXX I was tax exempt. I called the mortgage company in XXXX and told them that I was tax Exempt. And XXXX XXXX Al. attempted on 3 occasions to send FCM the verification of the tax exemption. On the 3rd time via a fax number XXXX XXXX was finally able to reach the tax dept for FCM. I have paid {$620.00} XXXX, XXXX, XXXX. I received a notice that my payment had been reduced to {$570.00} after I had made the XXXX payment. Since I received the notice that my mortgage was reduced due to being tax exempt I have asked to be reimbursed the over payment amount and they have refused stating any over payment i made was applied to principle which is not true for XXXX or XXXX. On my statement with a payment date of XXXX XXXX Is the first time Ive seen a '' PRINCIPLE CURTAILMENT '' in the amount of XXXX. I did not ask that {$49.00} overpayment for XXXX to be applied to principle, nor have I asked that any additional money I was told I HAD to pay be applied to anything. Ive ask for a refund. I have been asking for all overpayments to be sent back to me since XXXX. They did send a check to me for XXXX XX/XX/XXXX stating that was from overage from escrow account. This does not address the overpayment amounts. I am a older XXXX woman I live on a budget XXXX a month is a lot of money. I need help. I have documents. I can send but dont know how to upload. Please respond. XXXX phone number XXXX. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Attempting a mortgage refinance, property title report came up with a open line of credit from XXXX. Lending bank will not complete a re-conveyance of the loan without a complete copy of the loan which they say I must provide. Nothing on record at county recorders office regarding this loan, lending bank informed me my only option is to get a Title Attorney.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-20
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XXXX XXXXXXXX at XXXX XXXX Received a Text to my cell number : I do not have any such account. 

Below is the text : ( Pay*PaI.Support ) UnusuaI login has been detected-XXXX Follow Steps : XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX XXXX XXXX XXXX XXXX XXXX castellanos XXXX XXXX mdpa all XXXX XXXX XXXX ftc violations that was filed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter that is asking to collect a debt for what looks to be a credit card. The collection is supposed to be associated with XXXX. The card number starts XXXX, which is typically with XXXX. I contacted XXXX because I have only had one credit card with them and they have nothing else under my name or social. I contacted them today, XX/XX/21. I also researched and see that this company XXXX Convergent XXXX generally has a client reference number in the upper right hand corner and this letter I reviewed does not. I received the letter today XX/XX/21. The letter immediately asks for a reduced settlement amount and an apartment number. I dont have an apartment number. The contact number is XXXX and the address is XXXX XXXX XXXX  XXXX, XXXX, PA 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 2022-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On XX/XX/2022, I sent all three credit bureaus a letter via US Certified mail mandating that they " investiage every piece of information '' regarding the accounts in the letter sent. In addition, here are the Tracking # 's to the letters sent out : XXXX Letter Tracking # XXXX XXXX Letter Tracking # XXXX Transition Letter Tracking # XXXX The FRCA defines " investigative consumer report '' as " a consumer report or portion thereofin which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. '' The credit bureaus stated my account was verified that is false because they did not do a proper investigation according to the law I mentioned above. Lastly, every piece of information on these account in question is not reported 100 % Accurate ; According to the FRCA 15 USC 1681 everything has to be 100 % Accurate. 

ACCOUNT IN QUESTION : # XXXX with XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-27
Company: Experian Information Solutions Inc.
State: MI
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 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 XXXX 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 XXXXThis 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 XXXX now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX 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 explanation
Consumer complaint received 2016-07-18
Company: Advance America, Cash Advance Centers, Inc.
State: TX
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
I am having problems with a payday loan. Yes, I took out the loan over a period of three years and paid an enormous amount of interest and loan fees. I have been threatened with felony charges for a check you have to leave them until the loan is paid back. I ran into financial problems and moved away from XXXX XXXX, Texas. The collection department told me I needed to come up with {$970.00} or a warrant would be issued for my arrest. I asked them if I could pay it out, and she told me I needed to pay {$240.00} for 4 months. I told her I was already in a financial pinch and that would be too much, but she said she could n't change that payment. I hung up the phone and did n't call her back.. Advance America is the payday loan company. In three years, I have paid them XXXX dollars, mostly interest and fees. The name of the bank I used was XXXX, XXXX. I really need to know what you can do to help me. Being a XXXX veteran and my wife is XXXX and ca n't work, it has been really hard on both of us. They are charging us for monies owed and checks returned for NSF. Thank you so much for your help, and if you need a copy of our hardships, I have the past 12 years recorded in a hardship letter. With our family, it became borrowing from XXXX to pay XXXX. Presently, my wife is overwhelmed with doctor treatments and more payments ; besides owing over {$200000.00} to restitutions and college loans.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Dear Madam/Sir, XX/XX/2021 I opened a checking account at Citi Bank XXXX My main goal was to get a bonus for opening and maintaining an account following rules set by Citi. My account is " blocked '' by Citi ( without any explanations for a reason for that ) and I can not close it and receive promised bonus and {$100.00} opening deposit. Please help. 

Thank you very much, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unit XXXX, XXXX XXXX, CA 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 2022-05-27
Company: FORD MOTOR CREDIT CO.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem extending the lease

Complaint:
I am writing today in regards to my vehicle XXXX automotive VIN # XXXX. 
This vehicle was on autopay even after I extended my lease I went online to make sure that the autopay was still active. The autopay was activated but for some reason the date for withdrawal was several months out which I did not notice. The payments were not withdrawn from my account and I was completely unaware of this issue until my vehicle was repossessed. Once the vehicle was repossessed I redeemed the vehicle with a full payout. 

The issue is that a late pay is reported to my credit report in XX/XX/2022 and XX/XX/2022. This was an error on the website which was an oversight.

Company response to consumer: Closed with non-monetary relief