BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-20
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
IC Systems is reporting a collection to the credit bureaus that was the result of identity theft. I have never done business with XXXX and/or IC Systems. The acct # is XXXX for an alleged {$200.00}. This collection account is fraudulent and extortion. I sent IC Systems a cease and desist letter that was delivered XXXX. USPS tracking # XXXX. As of today 's date, the fraudulent collection is still on my credit report. It is causing me harm and damages as I have been declined a small business loan due to the item being 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 2021-02-06
Company: JPMORGAN CHASE & CO.
State: NJ
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:
Hi, I have a chase sapphire visa credit card with There customer service number being XXXX i have Been a loyal customer for over 15 years alway sent them a check for payment on time with no issue. I sent them a check on XX/XX/21 for the full amount owed when the due date is XX/XX/21. Due to the postal office delays and covid 19 issue going on the posts office must not have received delivered the check on time.. The credit card company a few days later suspended my account with NO notification what so ever or making me aware during these times payment was not received or late, they just suspended my account. Two weeks later they sent an e-mail letting me know the issue. If not already this should be a violation of the card holders rights with suspended account with NO notification especially only a few days after due date, I would like my account made active again any fees waived and an apology for an unfair practice which harms there customers and there lack of consideration with no notification or outreach. They did not even give me any other options to work with them to correct under the state of post office delays and covid 19.. I would also like the federal regulators look at this credit card unfair consumer practice of suspending credit cards with no account holder notification Please advise Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-06
Company: PNC Bank N.A.
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PNC Wallet card per the company should be linked to online wallet i.e. XXXXXXXX XXXX. The company has not been able to fix the issue for almost a year. In store representatives do not understand why they can not resolve the issue. 

I am also not able to link XXXX  to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
Capital One closed my accout on XXXX and wrote off {$1800.00}. It went to XXXX XXXX XXXX and XXXX XXXX I paid this account. They again reached out to all three credit companys on XXXX and XX/XX/XXXX to notify this has been paid. I deputed it with XXXX and even mailed in the letter and information it is still showing on my credit report as owing {$1800.00} I would like to get this removed I already paid it???? 
Can you please look into this. Thank you,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Back in XXXX I got a letter from the Department of Human Services telling me that when I submitted for my kids XXXX my information was breached. I immediately have a previous ID theft alert ( from another information breach ) updated with all XXXX credit reporting agencies. In XXXX I got something from Homeland security telling me the same thing because I am a FEMA certified adjuster. I sent a copy of this item also to the agencies. I found out ( When I was trying to get a mortgage that I was turned down for due to these inaccurate items ) that all three agencies allowed XXXX other items that were fraud on my credit file for 8.5 years instead of 7 and there are countless inquires and medical bills that reoccurs on my credit. Every time I write in concern of the inquires I get a letter back telling me that these items will remain 2 years even though I sent in proof that they were fraud. I also sent in proof of my XXXX insurance dating back to XXXX and all of the invoicing associated with my plan for those years as proof that the medical items that were on my report were fraud because they didnt match any of the visits under my itemized plan. I keep getting letters back from the agencies saying that the items were verified and will remain. I called the creditors and asked what documents they sent the agencies so that I can get a copy for the police. They told me that they only sent over itemized invoices with not signed documentation. I called and wrote the agencies asking them how can they dismiss my proven legitimate documents over invoices from a creditor. Still the items were allowed r=to remain. Not only these items but the inquires also are bringing my scores all the way down. Even my XXXX daughter XXXX XXXX XXXX XXXX/XXXX/XXXX Has bills on her credit file starting from when she was only XXXX and they were allowed to remain. My son XXXX XXXX XXXX/XXXX/XXXX has a medical debt on his also ant it was allowed to remain as well. They are both under my plan and has been since XXXX and prior to that they were on XXXX ... They were part of the initial fraud alert back in XXXX. I am asking that your agency help us with these issues. Thank you so much for your time and consideration. I am attaching a copy of my identity as well as the identity for my XXXX children as proof. I an working storm claims so I dont have a copy of the letters from DHS or FEMA on this computer but they should be easy to obtain by your agency. Also the credit agencies has a copy from back when I mailed them to them.

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 2021-02-05
Company: Chime Financial Inc
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX XXXX was transfered from my chime account though a XXXX XXXX app. 
I disputed the tranaction and they said there was no error and sent a report i do not know the person the money was sent to and only got a partial name and number.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22
Company: Paypal Holdings, Inc
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
In this Issue I purchased XXXX engraving machines from XXXX I could not get XXXX machine to work seller asked for me to send the XXXX not working back to them and the other XXXX to a customer and they would refund my money and pay shipping, did n't happen. I faxed XXXX and pay pal my complaint a couple of days before the deadline did n't see any answer so I called said never received it resent it they now said this was after deadline so now I am paying {$37.00} a month for something that was stolen from me. Both XXXX and pay pal are thieves. I am XXXX years old and trying to develop some extra income instead thieves are draining.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: Ditech Financial LLC
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I submitted a request in writing to Green Tree Lending on XXXX XXXX for a home appraisal to be done to drop the monthly PMI insurance payments from my loan. The loan to value ratio of my home is below 80 % which per my mortgage contract affords me the right with an appraisal to drop the payment. Green Tree Lending scheduled an appraiser and they performed the appraisal on XXXX XXXX. It is now well over a month past when the appraisal was done and they can not provide me any information on the status of the appraisal and they are continuing to charge PMI despite me having the appraisal done.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Back in XXXX 2012, my home with Greentree Loan Servicing was burned to the ground and a police report was filed. Greentree was supposed to come repossess the mobile home and took forever to do so. My mortgage was behind a few months and there was forced place insurance on the home for quite sometime. The insurance was not expired at the time of the fire, but Greentree would not acknowledge that the home had insurance. So instead of the company paying off the home with the insurance that had already been paid by them, they in return continued to lie that the home was not insured and has since kept this property on my credit report as a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is refusing to investigate credit inquires listed on my credit file Accounts named : XXXX card. XXXX. And XXXX All were not authorized by me Experian rep stated to me via phone call, that creditors that due business with Experian have the right to pull my credit at anytime without my authorization per FCRA

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 2021-02-06
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Getting a request grom paypayl that i sent money these imdivduals caused my account to close i will attach pictures below,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-02
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I am writing to complain about excessive overdraft fees on my TD BANK checking account. 

NOTE : I am intentionally enrolled in the TD Bank Debit Card Advance program which allows me to overdraw my account for a {$35.00} overdraft fee. Although I think this is excessive, I accept this in exchange for the ability to overdraw my account occasionally. 

What I DO NOT accept is incurring multiple fees due to the methods banks use to process and post my transactions. 

For example, on Friday XX/XX/2017 I intentionally withdrew {$100.00} cash from an ATM expecting a {$35.00} fee. That was the last time I used my debit card. When I checked my balance today, it showed an additional {$140.00} fee due to transactions the bank says occurred on Monday XX/XX/<YYYY> They explained this is due to processing delays. 

They credited my account for {$35.00} as a courtesy and said they could provide no more credits due to an annual limit on fee credits. 

I firmly believe banks are taking advantage of delays in processing as a way to charge excessive fees. From my POV, I watched my balance and made charges which were approved by the bank because the funds were available. The bank immediately lowered my Available Balance after I made these charges. This works correctly. 

I then needed some extra cash so I decided to overdraw my account by withdrawing {$100.00} from an ATM knowing I would receive a {$35.00} fee. This part does not work correctly. 

The bank says ( XXXX ) transactions which I physically made before I ioverdrew my account on Friday XX/XX/2017 actually cleared my account on Monday XX/XX/2017 and therefore are subject to {$35.00} fee each. XXXX of these transactions were less than {$35.00}! 

The customer service rep said I can turn this service off implying I am in control and it 's my fault for using the service. This is not the issue. I like the flexibility this service provides. My complaint regards the way banks abuse this feature to charge excessive fees and turn XXXX overdraft fee into XXXX claiming they can not control the way they process charges. 

I believe they can if they were required to. If banks are able to adjust my Available Balance immediately, they can also use this data to determine overdraft fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-11
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX XXXX IS REPORTING XXXX ACCOUNTS LISTED FOR A XXXX WHICH IS NOT ME. YET THEY KEEP REPORTING ON MY CREDIT REPORT WITH EXPERIAN. I HAVE FILED A POLICE REPORT AND NEED THIS INFORMATION CORRECTED IMMEDIATELY. 

ACCOUNT # 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 2017-05-08
Company: Experian Information Solutions Inc.
State: FL
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:
The inquiries illustrated below were not authorized and have been disputed with the respective companies to no avail.      1 )    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX      2 )   XXXX   3 )    XXXX   XXXX   XXXX    4 )   XXXX   XXXX   XXXX   XXXX   XXXX  )   XXXX   XXXX    XXXX  )  XXXX   XXXX  )   XXXX   XXXX    8 )   XXXX   9 )   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 2017-02-27
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have made several attempts to correct this problem, but it seems my account continues to be reported incorrectly, even after speaking to a person at the corporate offices. I have submitted XXXX other complaints about the same problem in past ensured during the complaints that the account would be reported correctly on all XXXX credit reports but to this date the account has not been reported correctly. After I submitted my last complaint all of my credit files reported correctly besides my XXXX stating that I owed {$890.00} ( The balance was never {$890.00} ). Today, I pulled my credit reports and now they are stating that I owe {$290.00} and status is & gt ; Charged Off & lt ;. I was told when I settled the account, the account would state that it was paid and in good standing. This XXXX account has effected my credit report for over a year due to the companies incorrect reporting on my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Quicken Loans Inc . 
Account # XXXX XXXX XXXX ( XXXX ) XXXX 2016, I had my insurance change my policy to lower my home owner policy. 
This lowered my payment, the insurance company refunded me {$52000.00} by check and I forwarded the check to Quicken Loans as request by them. They sent notice of shortage in my escrow account. They requested a payment of {$470.00} or {$1000.00} ( monthly ) from {$960.00}. I called Quicken Loans spoke with supervisor ( XXXX XXXX ) on XX/XX/2016, who forward a request to ( XXXX XXXX ). After several phone calls from her, we agreed to leave the payment the same till a review in XXXX. This agreement was due to lower insurance rate, taxes and the mortgage insurance would fall off in XXXX and all accounts had been paid for the year. 
I was notified XX/XX/2016 my payment had increased to {$1000.00}. 
After email to XXXX XXXX, she replied I misunderstood that such was not the case, and they would review it again in XXXX. I would have to pay the {$470.00} to escrow or make the Payment of {$1000.00}. 
There is no justified reason for this request ... .. 
XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
An old student loan account from XXXX is still reporting negative remarks on my experiean credit report. XXXX indicated that they were going to remove the negative reporting however when I reviewed my credit report they are reporting me a 180 days late. ACS no longer has my student loan account. Those loans have been rehab and no longer in default status. XXXX is in violation of FCRA.

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 2015-07-18
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have XXXX tax liens on my personal public records that should not be there. Me and my father share the same name and I know they should be on his public records and not mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-04
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Please see below, the message I attempted to send to Ditech, but which, of course, the website bounced, and did n't accept : It 's unclear whether ditech is incompetent or fraudulent, but either XXXX is XXXX unacceptable. 

Due to absolutely incomprehensible and irregular statements received from ditech over the past month, showing numerous errors, fraudulent fees, missing funds, and an INCREASING Principal Balance, I 've spent over 8 hours doing my best at forensic accounting and have found that ditech has lost or stolen {$1200.00} of the money I 've remitted between the dates of XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. 

Errors include but are not limited to : 1. The site 's Payment History shows receiving a payment of {$800.00} on XXXX/XXXX/XXXX, but the XXXX/XXXX/XXXX Statement does not reflect a payment. 
2. A Late Fee was applied for the payment you lost on the XXXX statement 3. You applied {$740.00} to Principal in XXXX, when you should have applied {$260.00}. It looks like you tried to fix it in XXXX, but made a {$14.00} error in your favor. Convenient. 
4. Then in XXXX, when you tried to fix it, you did n't apply the Principal Due ( that I paid ) of {$260.00}. Where did that go? 
5. Since XXXX/XXXX/XXXX, I 've remitted {$1600.00} over the minimum payment due, and you have applied only {$610.00} of that overage to Principal. Yet the most recent Statement I 've received ( XXXX/XXXX/XXXX ) shows NO Funds in Suspense. Where is my money? 

To top it all off, on XXXX XXXX, XXXX, I received a letter on ditech letterhead stating that MY ACCOUNT HAD BEEN REFERRED TO A DEBT COLLECTOR. 

Fix. This. Now. 
And call me. 
XXXX XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
A company Called XXXX of XXXX XXXX has put an Item in my credit Report. When I called them they said they cold not send me a bill to XXXX ( They say they do not send bills out of state ) and I have never received any notification from them ( they told me they sent XXXX notifications, None which I received ). The just asked for a credit card number to pay an Item that I have no knowledge of. When I moved to XXXX I put in a change of address and have not ever had a problem receiving my mail. I have never received any letter or notification or Phone call from XXXX of XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The XXXX XXXX # XXXX has never been past due. This needs to be corrected I spoke with XXXX XXXX and I am correct correct your reporting

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 2022-08-25
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2022 there was a credit inquiry from Bloomingdales. I did not authorize this credit inquiry that has been posted onto my credit report. I did not attempt to open a line of credit at Bloomingdales. The same day, an application was submitted for Macy 's where a line of credit was approved. I did not apply for a Macy 's credit card. I have submitted a complaint on the Macy 's line of credit. I have contacted experian and they have marked the inquiry as fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation