BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My complaint is about overdraft fees and service charges to my bank account in excess of {$130.00} accrued in less than XXXX month due to overspending the account by {$40.00}. 

I opened a checking and savings account with Citizens Bank after receiving an incentive in the mail - open an account, receive {$200.00} after making several deposits. I initially deposited {$200.00} into the new checking account, and {$25.00} into savings. I made several purchases in XXXX 2015 and was charged XXXX {$35.00} overdraft fees totaling {$70.00}. Beginning XXXX XXXX and going on for the following XXXX days ( I am still unclear how long exactly this will continue or how to make it stop ) I have been charged an additional {$6.00} " service charge '' for " sustained overdraft fee '' EVERY DAY plus {$2.00} for the statement delivery. When I called the bank they were not able to clearly explain to me when the 10 days starts or stops. They also said it was not possible to close the account or cancel the fees until the account had been paid in full. I only overspent my account my {$40.00}. I am happy to pay that back as that was an accidental overage, but to now owe this bank almost {$140.00} more because they did not clearly explain their overdraft practices when I opened the account seems wholly unfair and unreasonable. Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-20
Company: Ditech Financial LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We fell behind in our mortgage and have been trying to get caught up with the mortgage. We will call and set up a payment plan with the company, and then they send back our payment as we agreed upon. This is the XXXX time they have done this. We have the manager recorded with our verbal agreement and now we have gotten a XXXX check for a payment and a half to get caught up as agreed upon mailed back to us and NOW they are requiring us to send them certified funds, which has never been required before and we have NEVER bounced a check with them. I have called and requested to speak directly with the same supervisor, XXXX from the South Dakota office. She has not returned my call as of yet. This process has gotten very frustrating and they are creating more and more late fees by continually mailing back our payments in an attempt to reach our goal of getting the mortgage caught up. The right hand does n't know what the left hand is doing and they are in breach of their own verbal agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Bank of America has closed my account due to someone else gaining access to my information otherwise known as identity theft. I have spoken to XXXX about this issue as well. Now Bank of America is giving me back my remaining balance to me, but I didn't write no check or sign my name last is on such of a check. I tried to reestablish my account with them but they are not allowing it to be done. I have no complaints with bank of America I just want to be part of their business again. How can we resolve this issue. What do they need me to sign.

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 2022-04-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items.

Need to delete Inq : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Contact Transunion and spoke with customer service name XXXX from XXXX and explained to her that in XX/XX/XXXX my inquiries from Transunion were deleted and reinserted back 2 days later without me receiving the proper documentation in writing as the law says every time something is reinserted customer needs to get within 5 days notification of issue which I never received representative said that there were no issues with Transunion that she would not help and take care of the negative inquiries reporting to my credit report. I demand her to delete those inquiries that were put back into my credit report she replied no because it was an issue with XXXX or XXXX website reporting wrong information for Transunion that it was not Transunion directly. The following are the inquiries that were deleted and reinserted back into my credit report from Transunion,,, XXXX Date FiledXX/XX/XXXX,,, XXXX Date Filed XX/XX/XXXX, ,XXXX Date Filed XX/XX/XXXX,,, XXXX Date Filed XX/XX/XXXX,,, XXXX Date Filed XX/XX/XXXX,,, XXXX Date Filed XX/XX/XXXX,,,,, XXXX Date Filed XX/XX/XXXX,,,,, ,XXXX Date Filed XX/XX/XXXX,,, ,XXXX Date Filed XX/XX/XXXX,,,,,, XXXX Date Filed XXXX,,, ,XXXX Date Filed XX/XX/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 2020-07-11
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My daughter sent {$300.00} to my account which I needed immediately. They put alert on my account and blocked me from my money. I confirmed the email address with the code they sent. However they have an old cell number I can not verify because number changed. They are misleading consumers and trying to steal my money. Then they conveniently do not have customer service workers

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: EQUIFAX, INC.
State: IL
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. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 U.S.C. 1681 XXXX XXXX Account Number # XXXX has violated my rights. 
XXXX XXXX Account Number # XXXX has violated my rights XXXX Account Number # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the reports by more then seven years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: Paypal Holdings, Inc
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
On XXXX/XXXX/XXXX I received an email from PayPal that my account was being placed on hold. I called them to get it resolved and they told me that they would have to close my account and open a new XXXX, thereby losing my entire PayPal account history ( of 12+ years of transactions ). They said the reason is that my account was opened in XXXX, before I was XXXX, and therefore my signed agreement with PayPal is null and void. I asked to resign the agreement but they did not comply. They are n't allowing me to withdraw my account balance until I 've agreed to lose my entire account history and have not provided any alternatives.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-21
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
When I was released from XXXX  on XX/XX/XXXX I realized that my account had several transactions that were fraudulent. I have filed a dispute with chime bank regarding these transactions. I have provided them with verification that I was in jail during the time of these transactions and could not have made them myself. They have closed my dispute 2 times and said that no error has occurred. The last time I filed a rebuttal and they stated that I would have access to the fund today and be able to used my account as of XX/XX/XXXX but once again I was told that I could not have access to these funds and that I have to wait even longer. I have already waited over 30 days and continue to get the run around from chime banking. I have children and have been stranded out of state after having to attend a funeral of a dear family members and I am unable to get home due to my funds being caught up and not available for me to use. My kids are hungry and my bills are due and we are stuck staying in my car while waiting on these funds. We have been stranded for over 30 days and I cant wait any longer for these funds to be available to me. It is deeply important for the well being of my children and myself that the bank provides the provisional credit as they stated they would so my children and I may go home and I can take care of my financial obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under XXXX XXXX XXXX. 
XXXX XXXX Account XXXX # XXXX has violated my rights. 
XXXX Account Number # XXXX has violated my rights XXXX Account Number # XXXX has violated my rights XXXXXXXX XXXX Account Number # XXXX has violated my rights XXXX XXXX Account Number # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the reports by more then seven years.

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 2020-07-10
Company: McCarthy, Burgess & Wolff, Inc.
State: SD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have opened a new XXXX  account last year, initially they informed me that there is a problem submitting my order, so they started a new account ( all the bills are paid up-to date ). Now they have charged me {$180.00} on the account that had the problem submitting. Eventually they submitted this amount into collections agency XXXX, Mccarthy and wolfe company, since then I have been trying to resolve the issue. I have submitted a dispute and they came with the result and said I need to pay that amount. This amount is wrongly charged and it is XXXX 's mistake, they are not willing to resolve the matter. I had talked to a person on XXXX side who had confirmed that the charges are invalid and they said they were going to resolve the matter, I am still receiving debt collection calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: LA
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law XXXX  XXXX Balance : {$18000.00} XXXX  XXXX  XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$2800.00}

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 2022-10-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX broke the arbitration agreement they put in place by closing my account and posting late payments ( see attached ). Equifax, XXXX, and XXXX should not be showing late fees or closed accounts on my consumer report. Also there was no adequate notice given, according to 15 USC 1602 ( k ). My most recent reaching out to them was XX/XX/2022. Also I do not consent to XXXX XXXX for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 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 2022-07-26
Company: Express Recovery Services, Inc.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I would like to see how I can pay this off

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have a loan with XXXX, one of two that were not consolidated. I have been on a XXXX for several years. in 2019, XXXX closed one account as a charge off. Now each year they re-report the same account as charge off and closed with a new close date. This will never drop off my credit if they keep this up. I have tried to dispute it with the reporting agency, and with XXXX and have gotten no where. This loan is over 16 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have a loan with XXXX, one of two that were not consolidated. I have been on a XXXX for several years. in 2019, XXXX closed one account as a charge off. Now each year they re-report the same account as charge off and closed with a new close date. This will never drop off my credit if they keep this up. I have tried to dispute it with the reporting agency, and with XXXX and have gotten no where. This loan is over 16 years old.

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 2022-04-21
Company: EQUIFAX, INC.
State: IL
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. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under XXXX XXXX XXXX. 
XXXX XXXX Account XXXX # XXXX has violated my rights. 
XXXX Account Number # XXXX has violated my rights XXXX Account Number # XXXX has violated my rights XXXXXXXX XXXX Account Number # XXXX has violated my rights XXXX XXXX  Account Number # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the reports by more then seven years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: SYNCHRONY FINANCIAL
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Synchrony Bank continues to try to have a debt collection company sue me for a debt when they have violated FCRA laws by reporting inaccurate information to credit reporting agencies. I have advised the company that there representatives have misrepresented statements and lied to me to deceive me into entering into a payment arraignment via phone. The representative told me as long as I paid a specific amount each month my account would remain in good standing. When I learned that this was not the case was when the account began to report delinquent. The account should never have been reported delinquent in accordance to what the representative promised on a recorded line to me. 

I have requested the call records as well as requested a supervisor review the calls and provide me with their findings and confirmation of the conversation that has taken place. They have never honored that. They have denied me my rights to discovery and have also continued to damage my credit while they refuse to investigate the information to make the proper updates to my credit report. This has been far more damaging than what they are trying to allege I owe.

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