BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-05
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
The company I am having issues with is Venmo. The Service, which has my banking information, allowed so gentleman named XXXX XXXX to charge my account {$200.00} for gas - five times on XX/XX/2023. Prior to the charges being processed, they called me with an automated prompt informing me that someone was attempting to create an account with my number and if I recognized the charges. I obviously, said I did not but what is troubling is that the phone registered as spam on my phone so I was a little concerned. At the end of the prompt, the system informed me that my account will be locked for 48 hrs. The following morning I looked at my checking account and sure enough the charges went through. When I called Venmo which of course outsources their customer support outside of the US, they were unaware of the 48-hour lock or the unauthorized transactions. I was asked a bunch of dumb questions and ultimately I was told that in roughly ten days someone from the resolutions team will contact me with the result of the dispute. The fact that someone could charge my account without my authorization is problematic and I think a bug in the code. I personally do not know someone by the name of XXXX XXXX nor do I recall giving someone {$1000.00} in gas. I think if I am to wait ten days for a resolution I need to get paid the overnight interest for the money I am forced to go without. The overnight rate is 4.86 % which is about {$480.00} for ten days of wait time. I would love for this company to be investigated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-05
Company: CITIBANK, N.A.
State: UT
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:
I've attempted to cancel a subscription service, and believed I had done so. I did not update any payment information with this service, and the payment information they had should not have been valid. They renewed my subscription against my wishes and I have filed a report with the ftc. They somehow charged my card despite not having current payment information. When I saw the charge I immediately disputed it with citi bank, but months later was told there was nothing they could do and was charged regardless.

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 2023-10-12
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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
Consumer complaint received 2023-10-12
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been making online monthly payments on my Citi Costco Anywhere card. Citi closed the account in XXXX, and I was only left to making payments of {$350.00} on the XXXX of every month. 
I attempted to log in my account on XX/XX/XXXX to make payment but I was blocked from accessing my account. Citi requested verification of the CVV number of the credit card. I had explained to them numerous times over the phone that I don't know that number because I had destroyed the credit card ending in XXXX when they decided to close the account in 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 2022-12-18
Company: Experian Information Solutions Inc.
State: GA
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:
The credit reporting agencies stated the these accounts where properly investigated and came back verified, however thats not true there are several inaccuracies on my credit report Ive sent certified mail disputes online more than once and they still state thats its correct where they arent In accordance with the fair credit reporting act everything has to be 100 % accurate on my credit report under 15 U.S.code 1681e ( b ) and 15 U.S.code 1681i ( 5 ) these accounts are in violation of reporting 100 % accurate information on my report Account name : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX it state date opened XX/XX/2018 and first date of delinquency XXXX XXXX I have never sign any papers with this account holders name the amount thats on my credit report is outrageous XXXX thats is true

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 2023-05-05
Company: PulteGroup, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In the initial purchase of our new home at XXXX XXXX we were flooded with documents that needed to be signed. One of those was with Pulte Mortgage. Later it was disclosed that we had the option not to use them for our mortgage. As a consumer, I could have paused the process and asked more questions but instead I paid the required fees for the mortgage application and a future appraisal of the home to keep the process moving forward. It was explained that if we did not use their mortgage company that the appraisal fee would be returned to us. I believe that their statements were misleading and deceptive since we were not given the opportunity once closing date was announced to opt out of using them for our mortgage. Pulte Mortgage also claims they ordered an appraisal 3 days prior to us being notified of the closing date. However, the appraisal itself is dated many days after our notification to them that we would not be using their services. Another way that Pulte Mortgage conducting deceptive business practices is by requiring us to acknowledge higher and higher mortgage rates via esign docs in XXXX. Yet as rates came back down not one document was sent to adjust to a lower rate. Again, to a consumer this is a misleading and deceptive practice on their part. I also wonder why Pulte Mortgage requires the appraisal BEFORE the building of the home. Most mortgage companies recoup that fee at the closing because the appraisal is requested at the COMPLITION of the building process. I wonder if this is not the 1st time Pulte Mortgage has pulled this stunt.

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 2023-10-13
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
The storage company is attempting to collect a debt for a period after my vacancy. Included is my notice of move out to the company. Also included is a receipt showing a XXXX balance on XX/XX/, my move-out date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: AMERICAN HONDA FINANCE CORP
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I NEVER APPLIED FOR ANY CARS LOAN OR LOAN AND THERE KEEP REPORTIN ON THE CREDIT BUREOUS ALL THREE DIFFERENT ONES!!! XXXXXXXX XXXX WHEN I ACTUALLY HAD MY CREDIT FINE SOME SCAMMER OR WHO EVER WAS IT USE MY INFORMATION AND IS EFFECTING MY LIFE PERSONAL

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
i HAVE DISPUTED THESE FRAUD ACCOUNTS WITH THE CREDIT BUREAUS AND THE BANK. XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX AND XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX. THIESE ACCOUNTS ARE NOT MINE, I DID NOT SIGN ANY APPLICATIONS FOR THEM, THEY DO NOT BELONG TO ME. ALSO THESE ACCOUNTS DO NOT EVEN SHOW COMPLETE REPORTING, OPEN / CLOSE DATES, COMPLETE PAYMENT HISTORY, WHICH IS ANOTHER INDICATOR OF A FRAUDULENT ACCOUNT. I HAVE ATTACHED THE FRAUD INFORMATION BELOW. POLICE REPORT, ID THEFT STATEMENT AND A COPY OF MY ID

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 2023-05-05
Company: DISCOVER BANK
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:
Good afternoon, I have a complaint to draw with the closing of my account in XXXX as well as the interest that accrued on my account during COVID-19 and after my account was closed. I have made payment throughout COVID despite being unemployed, facing economic difficulties, and having zero access to my credit card due the account being restricted. Im requesting that the account is reopened and at least {$290.00} in interest charges is credited to my account as a remedy. 

The payments made to the card had little to no impact on my credit score which would have been beneficial to improving my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: Harpeth Financial Services, LLC
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Through the life of the loan, I would agree to make a payment, then they would yank even more money than the payment repeatedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortionXXXX XXXX XXXX Balance Owed : {$120.00} ; XXXX XXXX **** Balance Owed : {$0.00} ; XXXX  XXXX **** Balance Owed : {$0.00} ; XXXX  XXXX **** Balance Owed : {$0.00} ; XXXX XXXX **** Balance Owed : {$0.00} XXXX XXXX XXXX **** Balance Owed : {$0.00} ; XXXX XXXX **** Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$540.00} ; XXXX XXXX Balance Owed : {$7600.00} ; XXXX XXXX Balance Owed : {$290.00} ; XXXX XXXX Balance Owed : {$540.00} ; XXXX XXXX XXXX Reference # XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX Reference # XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX Reference # XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX 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 2023-05-05
Company: DISCOVER BANK
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I spoke with this company and they are aware that I did not open the account because I never received the credit card. This is under fraud alert

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: Resurgent Capital Services L.P.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I found 3 accounts by LVNV funding LLC on my CRAs while I was trying to rent a home. I am still homeless because they refuse to respond to my debt verification letter, but continue to report collections to the CRAs, even after attempting to dispute the unverified debts several times

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31
Company: EQUIFAX, INC.
State: FL
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:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15
Company: PNC Bank N.A.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
Why are alleged employees from PNC are reaching out to another phone number that was NOT provided to them to contact me on? How did XXXX and XXXX obtain the number XXXX when that is not a number that was provided to PNC? They have been calling this number continuously all week in regards to my PNC mortgage account. I currently have a pending application to receive financial assistance from my state to assist with the past due mortgage payments and someone by the name of XXXX XXXX XXXX XXXX ( office ) has reached out to PNCs mortgage servicer to obtain the balance that is owed. Why is PNC contacting a phone number that was not provided to them when obtaining assistance is in the works? Delete that XXXX number from your listing because I have no idea how the XXXX you guys got that phone number and if you make any attempts to call any number that was not provided to you, Im suing for privacy invasion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: PNC Bank N.A.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Good morning, I used PNC bank atm @ XXXX XX/XX/2022 to deposit {$500.00} cash onto my XXXX account. I received a receipt with the amount of funds that was deposited along with my account/card number. I checked my online XXXX account to secure my deposit, there was no money transfer. I waited to give the transfer some time to load nothing showed. 

I spoke with the bank teller, they told me dispute the transaction with XXXX, its nothing we can do on our end due to the transaction was made on a outside ATM. 

I called XXXX, they also stated there is no money deposit heading to your account, you will have to make a dispute with the bank that you deposit the money with, we can not help you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: First Technology Federal Credit Union
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I spoke with XXXX in collections at First Tech Fed in late XX/XX/. We agreed on a payment of {$100.00} per month to pay off debt and to keep the account in-house - not to send it to their collections agency. 

No written communication was sent on the agreement. 

I week later, I receive a notice from their agency XXXX XXXX saying the debt was sent out to collections. 

I called XXXX XXXX, they confirmed the debt was owed to them. 

Today, I get a call from XXXX First Tech asking me if I was going to make the payment of {$100.00}. 

This is manipulation, obfuscation, an attempt at collecting the debt twice and disparaging my name with the credit bureaus at the same time.

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 2023-05-05
Company: Mr. Cooper Group Inc.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
See Attached document. 
Payment was tendered, not returned, not credited to account and breach of private contract. Private trust property is being foreclosed on, I am the beneficiary of a decedent estate and there is an on going probate case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I never gave Transunion permissible purpose to report anything to my account. They violated my right by reporting inaccurate information pursuant to 15 usc 1681b

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 2023-05-05
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Their investigation did not fix an error on your report

Complaint:
I have been trying to get this Collection off my credit report for months. I have sent in several disputes, and nothing has been done. I have sent in proof that I myself am submitting the request to have this removed. I have filed for a full file disclosure and never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Repeated calls from Portfoliorecovery and even when I answer and tell them I am not who they are calling for, they just say thank you and hang up and then call back from a different phone number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05
Company: BARCLAYS BANK DELAWARE
State: NJ
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:
Barclays offered me a promotion to transfer a balance directly to my XXXX XXXX  account. This was requested on XX/XX/XXXX and shows posted on my account XX/XX/XXXX ; however the funds were never received. 
I called on the XXXX to confirm they had the correct routing and bank account number- which was confirmed to be correct. 
A week later, I still did not receive the deposit and called again and was told they would open a case [ ID XXXX ]. 
A week later, XX/XX/XXXX there is still no update and each time I call they transfer me to someone new. 
This balance is showing on my credit report and they can not give me any update as to where it went - nor will they remove it or put a temporary hold against it. 
This is a clear lack of controls and proper governance around client accounts. 
I need this resolved and the transfer removed.

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