BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-22
Company: Experian Information Solutions Inc.
State: SC
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  DPT ED XXXX Account # XXXX, DPT ED XXXX Account # XXXX, DPT ED XXXX Account # XXXX, XXXX Account # 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 explanation
Consumer complaint received 2015-04-02
Company: CITIBANK, N.A.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I submitted Case number : XXXX but it was not sent to Citibank but rather to XXXX for resolution. Since the Patriot Act, banks are required to obtain ID before opening an account so I want to know how was a CRIMINAL allow to open an account and receive wire transfers. Also how did Citibank allow their database to be hacked and all correct information on a credit card was stolen and used to pay for my services. And now I am told I have to write-off all my expensesI wire transferred {$3200.00} to what I thought was a legitimate customer of Citibank who turned out to be a scam. The following information is all documented via emails. 
On XXXX/XXXX/2014 we received a request for quote via email from XXXX XXXX from XXXX and Sons to print XXXX flyers. 
On XXXX/XXXX/2014 we received an email with the information on the Mastercard we used to pay for the XXXX and Printing of the material of {$5800.00}. On XXXX/XXXX/2014 the funds from the credit card were deposited into our bank account and that is when we started the printing the material On XXXX/XXXX/2014 he asked us via email for the status of the printing job and asked us to contact the XXXX XXXX to schedule the pick-up by the XXXX XXXX. On this date, he also called the shop to talk about the status. We schedule pick up of the XXXX XXXX at our shop on XXXX/XXXX/2014 and paid the XXXX company the {$3200.00} they requested for the shipment. I was provided a routing number and account number and name. 
On XXXX/XXXX/2014, in reconciling our bank account we noticed that the {$5800.00} was chargeback to our bank account and hence the reason I am writing this information. In the meantime, the XXXX XXXX flyers have been printed and we are waiting for the XXXX Company to pick them up

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have two credit cards with Bank of America and have never been late since they were opened. On about XX/XX/2022, Bank of America closed one of the credit cards with a positive balance of about {$430.00} without my knowledge. Bank of America reduced the balance to {$0.00} without refunding the credit balance to me. They also made the credit cards online information inaccessible for me to check past charges. The card was closed immediately XXXX XXXX and XXXX sent false and inaccurate collection balance information to XXXX and other credit bureaus. Bank of America did this without regard to the potential impact on my credit rating. When I went to the XXXX branch and complained to a manager about it she told me that the refund was mailed to my home few months ago. When I told her that I did not receive it, she promised to deposit it in my checking account with Bank of America. I have not received the credit up till today.

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 2015-10-14
Company: Residential Credit Solutions, Inc.
State: NJ
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Almost 18 months ago, my loan was purchased by Residential Credit Solutions. At the time, my mortgage payment was XXXX. Roughly four months after RCS had my loan, my payment increased to XXXX for " escrow purposes ''. I spoke with my town about a rise in taxes, that did n't happen, and my insurance for the year had already been paid. RCS claimed that I had to be charged but never truly explained why. I kept up with my payments monthly until XXXX. As a single mother of XXXX and a home owner, unexpected financial expenses came up and had to be taken care of. So, I sent my payment in XXXX and RCS sent it back to me and said that my loan is in default because I was deliquent with XXXX payments, that I am heading for foreclosure, that they will not accept anything less than the XXXX payments and that THEY WILL RUIN MY CREDIT!!! I was advised that my only option is to refinance the loan as soon as possible and get away from the company. THE PROBLEM is that they are now saying that I am XXXX PAYMENTS DELINQUENT and they are holding those payments against me so that my EXCELLENT CREDIT SCORE that 's taken years to establish and has always been impeccable, is now been dropped to a middle score of XXXX. I 'm not sure what I can do next, but I am in desperate need of some sort of financial help and advice. Thank you so much for listening!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: Bridgecrest Acceptance Corporation
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: Their investigation did not fix an error on your report

Complaint:
My complaint is about XXXX and Bridgecrest Acceptance Corporation and their inability to process accurate data as a result of disputes. 

Within the past 7 days, I have disputed an item in accurate credit item from Bridgecrest on my credit report with XXXX that was updated as accurate twice after I paid the balance in full. I provided documentation proving that this account was paid off over a month ago, but yet, XXXX responds to my disputes within days indicating that the item has been updated on my credit report, still showing that I owe the company almost {$2000.00}. It is clear that XXXX is not handling these disputes with efficacy. I do not believe a company could verify and/or update correct information regarding an active account within days. This seems like a shady business practice on XXXX 's end. Company 's should not be allowed to report inaccurate information, especially when there is proof that the account has been legitimately closed! Is this even legal?

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 2021-11-26
Company: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
bought a computer part and returned it back but I did not receive my money back as promised by buyer protection policy. Instead, they decided to permanently limit my account. I'm not sure of the reason behind this because I did not do anything wrong. I'm very confused about what happened so I decided to call someone at PayPal but they said the decision is final which is okay but I just want my money back for something that I returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act AXXXX  # 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 explanation
Consumer complaint received 2020-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In 2016, I contacted all 3 credit bureaus to advise my name and old phone numbers were incorrect. I received updated credit reports that my personal information had been updated by now on my 3 credit  reports the information has re-appeared. There are several name son my credit reports that are not mine as well as incorrect addresses and phone numbers on all 3 credit reports with the 3 major credit bureaus.

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 2022-02-22
Company: Foris DAX, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I was scammed through Crypto.com of XXXX dollars and Crypto.com wont do anything about it. 
Currently using a lawyer still nothing from Crypto.com other than sucks to be you pretty much. They should have had more help on red flags before moving that kind of money around.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: DISCOVER BANK
State: MA
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:
On XX/XX/2020 I was looking at my emails and seen a promotion to see if I pre- qualify for a Discover Credit Card. It said checking to see if you qualify will have no impact on your credit, so I filled out the information and got an alert from XXXX saying there has been a hard inquiry on my credit report. I contacted Discover and got know where. I do have a screenshot of the promotion that Discover claims is not true. I hope you can help me get this off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-26
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This account was open XX/XX/2020 This account was reported as collection orig creditor : Medical {$52.00} I have no contact information I would like to know what services I had to accrue {$52.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: Paypal Holdings, Inc
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am, XXXX XXXX consumer and natural live in person submitting this complaint and there is no third party involved. I received a email from PayPal stating that they were giving my personal information to a third party debt collector. PayPal has committed fraud and I did not consent benefit and authorize this action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-15
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I logged onto the PennyMac site to make the XXXX mortgage payment on my rental property. Their system showed I had not made my XX/XX/XXXX payment and that two payments were currently due. Thinking that possibly I had neglected to make the payment I made two mortgage payments. After I logged off their system I checked my online statement with XXXX XXXX and found that my XXXX payment had been made on the XXXX. I have called numerous times since and have found it difficult if not impossible to get them to admit that there system is in error and have requested my second payment for XXXX returned to me. I have received several phone calls and two letters from PennyMac asking if I need loan assistance because their system still shows that I missed my payment in XXXX. I would like the second payment amount I made in XXXX returned to me and my account to be correctly credited with XXXX payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
The collection on my report I have no Knowledge of this company I had no verbal communication and never sign anything any agreement with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
" I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. ''

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 2020-09-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In 2016, I contacted all 3 credit bureaus to advise my name and old phone numbers were incorrect. I received updated credit reports that my personal information had been updated by now on my 3 credit reports the information has re-appeared. There are several name son my credit reports that are not mine as well as incorrect addresses and phone numbers on all 3 credit reports with the 3 major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: TD BANK US HOLDING COMPANY
State: VT
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
At XXXX, I discussed my overdrawn commercial act with local TD bank personnel who was very helpful and refunded half ( around {$50.00} ) the overdraft fees I had accumulated over the past 61 days of inactivity. 
At XXXX on Tuesday, XXXX/XXXX/16 I deposited {$750.00} into the same commercial act. Later that same day I checked the account through the online TDBank app and saw that the first {$100.00} of the deposited check had been made available ; half paid the outstanding fees and roughly half showed up as the account balance. 
On Wednesday, XXXX/XXXX/16, the commercial account no longer existed on my TDBank app. I went to the branch and they told me the account had been closed due to 60days of inactivity with a negative balance. So I asked them to deposit the check into my personal account. 
On Tuesday, XXXX/XXXX/16, I still have not seen the check deposit show up in my account and was told that it still had not cleared. I complained. 
I think the offsite, non-branch personnel closed the account knowing that there was a recent deposit because they did not agree to refunding back some of the overdraft fees. 
I think they are withholding funds until they figure out ( and agree ) to charge me the full outstanding charges on the closed account. 
* The bank manager just called ( XXXX/XXXX/16 ) and said they would deposit an amount, less half the outstanding fees, as agreed to in the beginning. Yeah! 
In this instance, I think the local branch personnel who are generally very professional and customer-oriented were able to convince the offsite people to relent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-01
Company: First National Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was advised by the Internal Revenue Service that my social security number and other confidential information were compromised. Sometime in XXXX to XXXX my personal details were stolen and have been used up to XXXX XXXX when a security alert had been placed on my credit files. These fraudulent accounts range from medical ; utility accounts and credit card accounts and must be deleted from my history. I forward the details of these accounts in question and a copy of the Identity Theft Affidavit and I have had no response from both the credit bureaus and the creditor/collections agent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX is attempting to collect a debt from Synchrony bank for an auto shop credit card i paid off on XX/XX/2018, i never paid interest in this account, they gave XXXX month deferred XXXX % interest, i paid off {$1700.00} then. I am being charged for pretty much the credit limit {$4700.00} out of {$5000.00} for a charge i never made nor i approved, the account was sold this debt collector, they have an open law suit and the constantly threatening and harassing. This charges are fraudulent, i had several Synchrony bank accounts, i have bought furniture, mattresses, appliances, tires, repaired my car and even financed a motorcycle with Synchrony bank, i never defaulted, had late payments and in most cases never paid interest. I opened a dispute on the credit bureaus and the agent suggested to open a dispute with the Federal Consumer protection as well. I hope i can find a resolution to this matter with using these tools and steps.

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 2016-12-15
Company: CITIBANK, N.A.
State: LA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
We got home from a trip we found a small box from Macy 's at our door containing a XXXX deodorant for about {$29.00}. We called the next day to request a return authorization since it was an item I neither used, ordered, or wanted. After 7 requests and as many phone calls I thought it incredulous no one could or would send me an RA ( return authorization ). No one mentioned, nor did I ever receive a statement showing I owned more. After months of waiting I started receiving daily calls from Bloomingdales / Macys credit asking me to pay my bill of around {$200.00}. Why not the unresolved {$29.00} I asked? They did n't know or care to do anything about it except call again every day. Finally some dear soul told me I had another purchase on the account again made on Macy '. online. and with it my current balance was roughly {$200.00}. 
In all these months I have n't received a monthly bill -- do n't know why. She could not tell me where it was shipped to, since it was n't to me, because they only had records 3 months back in fraud dept ). She asked me why I had n't filed a claim with their Fraud department. Did n't know you had one -- no one 's ever mentioned it to me and I have never been in this situation before.. I have been asking all along if someone used my credit card that it was fraud and I wanted them to cancel it so this would n't get worse. That never happened until the associate that told me what I should have done 5 months ago. They finally closed it 5 months late and are suppose to send me a new one, which will never be used after XXXX that they have put me through. When I looked at it on credit karma I would have thought reading it that they closed it on me and there was no mention of them sending me another card. So it looks like I 'm a bum that does n't pay his bills. If you check you can see where I paid about about XXXX in XX/XX/XXXX on my dept s -- so clearly it was n't that I would n't or could n't have paid them if I had indeed owned them a penny.. Macy 's XXXX customer service is n't something that works. Our family is a XXXX that sticks together and all are refusing to shop Macy 's this XXXX for me -- that will cost them a ton over {$200.00}. Honesty is it 's own reward.Macy 's!

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