BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-28
Company: Stenger & Stenger, P.C
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
The debt collectors by the name of XXXX XXXX XXXX ( " XXXX '' ) and XXXX XXXX XXXX who falsely identify as Attorneys which violates 15 U.S.C. 1692e ( 3 ) took legal action against me twice for the same debt that has been illegally sold numerous times for a consumer credit transaction that I initiated for a credit card on issued by XXXX XXXX for a XXXX XXXX retail card. I am the original creditor for the consumer credit transaction. Credit sales took place without my consent which constitutes unauthorized use pursuant 15 U.S.C. 1602 ( p ), " use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit ''. The attorneys received compensation which is a violation of 15 U.S.C. 1692e ( 2 ) ( B ). XXXX XXXX furnished me with deceptive forms under the guise they were offering me something of substance and value and created the false belief that I was indebted to them which violates 15 U.S.C. 1692j ( a ). I did not give XXXX XXXX my direct consent to share my private identifying information with anyone. That includes selling it for profit to other debt collectors including Absolute Resolutions who hired debt collectors XXXX and XXXX to take legal action against me twice which violates 15 U.S.C. 1692i ( b ), " Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors ''. XXXX  XXXX and XXXX XXXX also did not have the permission from a court of competent jurisdiction or direct consent from me to communicate with XXXX or XXXX and make my private identifying information public. This was all done for monetary gain and greed. XXXX took legal action against me by filing a lawsuit against me. This resulted in me being subjected to a default judgment against me and my wages were garnished. My private identifying information for my former name appears on a court dockets which violates 15 U.S. Code 1692d ( 3 ), " The publication of a list of consumers who allegedly refuse to pay debts ''. This is very stressful and upsetting that my consumer rights are being violated in relation to my own credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: Paypal Holdings, Inc
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have a personal Venmo account which I barely even use and when I do, I use it to pay back friends etc.. like EVERYONE! Venmo locked my account saying I'm in violation of their policy. Almost certainly a mistake on their end which is bad enough but what is unacceptable is I'm unable to speak with anyone about it at Venmo. Venmo 's response on a {$500.00} transaction that they declined ( said I cancelled but that is untrue ) is it may take up to 30 days to return the {$500.00} to my account. PLUS Venmo froze the additional funds I had previously transferred to Venmo from my back account holding these funds hostage without cause. The effect is Venmo has locked up {$1300.00} in funds on their mistakes with insufficient measures in place to address. Only response from Venmo beyond the above is they will contact me in 5-6 days additional business days ; meaning it could be as long 12 actual days before they even RESPOND!!! much less resolve. Venmo gets away with this because they hide behind one-sided arbitration clauses which hopefully will be illegal soon.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Central Source LLC is preventing me from obtaining an online copy of my XXXX Credit Report via www.annualcreditreport.com. I called XXXX directly and they verified there is no condition on their end that is blocking my access and suggested I resolve this directly with Central Source LLC. Unfortunately, this problem still persists.

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 2019-09-09
Company: AmeriCollect
State: KS
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:
these 3 company is violating the fair credit reporting act by listing a fraudulent account on my report that is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/2019, I spoke with a representative from Shellpoint Mortagage. I communicated the fact that my mother-in-law ( the original owner of the house ) was deceased and my husband who directly inherited the property ( and was also executor of my mother-in-law 's estate ) passed away ( XX/XX/2019 ) after a long illness and with no life insurance. I experienced financial hardship and was also working with the courts to received executorship over this property. After discussions and emails, Shellpoint gave me an offer to defer the past due amount on this account. 

To accept this offer, I was required to make a down payment of {$510.00} by XX/XX/2019. I complied by making a payment on XX/XX/2019 with check # XXXX for {$510.00} and this check was accepted and processed by Shellpoint. 

In XXXX and XX/XX/2019, I also made payments of {$510.00} ( each month ) and these payments ( checks # XXXX and # XXXX ) were accepted and processed by Shellpoint as I confirmed from the copies of the cleared checks from my financial institution. 

As these payments were accepted and I met the requirement to make a down payment by XX/XX/2019, it was my understanding that my account was brought contractually current. However, I submitted payments for the months of XXXX and XXXX these payments were returned to me indicating ( incorrectly ) that my account is more than 90 days in arrears, and I am not in an active workout with Shellpoint. Since this time I have made numerous call to ShellPoint where I have been transferred from person to person and no one will help me to resolve this. I wrote an email documenting the information and have never received a response. I have now sent a certified letter with attachments detailing the workout letter they sent and the payments I made and they accepted. 

It is imperative that this issue is resolved as soon as possible as I complied with the requirements for a workout ( deferment ) and have submitted payments for the mortgage every month since XX/XX/2019 and can not afford to lose this property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Medical Data Systems, 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: Account information incorrect

Complaint:
MEDICAL DATA SYSTEMS , INC . reported a bill to collections that they never sent to me. My bill from " XXXX XXXX XXXX XXXX '' amount is {$610.00} but I have no knowledge of this bill and this is messing up my credit score. I would like this to be disputed.

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 2020-02-19
Company: Experian Information Solutions Inc.
State: PA
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 currently in the process of buying a home when I pulled my credit report I was unhappily surprised to see the errors that were listed on my credit report! I submitted a dispute to the credit bureau and in 30 days I got a response back from the credit bureau with an update to the accounts that are listed here these accounts are breaking several rights I have as a consumer and I asked for them to be removed immediately most of these accounts I have never seen before I stated my case when I mailed these letters and I know my rights as a consumer are being violated How are these account reporting such conflicting information and for the credit bureau to update that account with what they say is accurate information where is the proof of that the debt validation how can you just update accounts where are you getting this so-called updated information from?

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 2022-10-10
Company: Experian Information Solutions Inc.
State: NY
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 account listed below violated my federally protected consumer rights to privacy and confidentiality under15USC1681. 

Account name and # XXXX XXXX XXXXXXXX Account name and # XXXXXXXX XXXX XXXX XXXX Account name and # XXXX XXXX  XXXX XXXX Account name and # XXXX XXXX  XXXX Account name and # PXXXX XXXX XXXX Account name and # XXXX  XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 6018 A. states I have the righttoprivacy 15 USC 1681 section A section 2 also states a consumer reporting agency can not furnish an account without my writteninstructions.

15 USC 1681 ( a ) ( 5 ) sections state : 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 report by more thansevenyears 15 USC 1681s -2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that informationisinaccurate

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 2023-01-12
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
MCM took funds out of my XXXX  XXXX XXXX joint checking account they stole XXXX. Dollars and XXXX.Dollars saying they have a garnishment against me we had just gotten our social Security monies and had some money from insurance payment to fix my house after surviving XXXX XXXX I filed a complaint with XXXX XXXX XXXX they released half of the funds but not the insurance or my husband 's social security money they also charged me {$120.00} Legal fee they never served me with anything they hacked my Bank account and XXXX XXXX XXXXXXXX let them I've had this account over XXXX  years thought XXXX XXXX XXXXXXXX was a reliable company I guess I was very wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was surprised to receive a " tax deliquent '' notice on XX/XX/XXXX from my township regarding my quarterly property tax payment due XXXX. My property tax is held in escrow and paid by Bank of America. 

I called my local property tax office only to learn that Bank of America had paid the tax late. 

Bank of America deducted the property tax amount from my escrow account at its usual time ( XX/XX/XXXX ). I suspect that this is a scheme by the bank to manipulate their cash flows. This is directly damaging to the financial health of the community that I live in, and causes unnecessary stress to me. It is also typical that BofA would not communicate any information about the situation to me, in order to leave me in that uncertain and stressful situation of wondering whether I needed to come up with another quarterly tax payment post haste. 

The last time that Bank of America played with the timing of my property tax a few years ago, it resulted in only three payments being made during one calendar year instead of four, and had an impact on the deduction I could take on my income tax and hence my refund.

Then, as now, I objected to the fact that an untrustworthy financial institution has claimed the ability to pay my property tax by virtue of holding the mortgage on my house. I wanted to be able to pay the property tax myself, without the Bank of America escrow account, but was told this was not possible. I would like to see regulation that liberates home owners from this risk. I would also like to see regulation that makes Bank of America and others more responsible for their behavior.

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 2020-03-12
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
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 have one credit card account with HSBC bank. There is one transaction from one merchant names XXXX XXXX XXXX. They charged me XXXX USD for membership to my HSBC credit card account. I called the merchant to dispute and cancel the membership. The merchant said that they did cancel the membership. the following year i saw the merchant charged me XXXX usd again. I called the credit card to block the merchant because they continue to charge me. The credit card company HSBC did block the merchant and filed the dispute for me. I thought everything went through. I received the statement on the following month still has the same charge XXXX usd with late fee and interest charge. i called the hsbc to dispute one more time. they said they filed the second dispute since the first dispute never went through. They also said that they will refund the late fee and interest. I thought they will do. the next statement came and it has the higher amount with late fee and interest. i called hsbc on XX/XX/2020 and they transferred me too many departments. the problem is never solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: Fidelity National Information Services, Inc. (FNIS)
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
I am applying for a loan to buy a car with a local credit union. They attempted to open an account for me and run a verification check through ChexSystems. They found that my ChexSystems profile was frozen. 

I went to remove the freeze on ChexSystems website but did not have the required PIN. After calling into ChexSystems and being escalated to a supervisor, I was advised that my only option was to wait upon a new PIN via snail mail. They had no other way to verify my information and would not lift my credit freeze after I instructed them to. 

I will have to apply for a different loan with a different bank or credit union that does not use ChexSystems because of this. This will end up costing me a lot of extra money in extra interest paid.

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 2023-10-21
Company: PNC Bank N.A.
State: UT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
In the month of XX/XX/2023 I was late with my payment, but still made the payment in XXXX and it was toward the end of the month of XXXX I went ahead and made XXXX payment as well since it would be due in a few days ( payment was mailed in ). They took XXXX payment and put it towards the principle instead of the payment, I called to fix the problem while i was waiting for them to fix it they reported to the credit bureau that I was over XXXX days late which dropped my credit XXXX points. This has happend to me XXXX times with similar circumstances. During covid XXXX XXXX XXXX XXXX  and let PNC know so I applied for a hardship because of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX so they moved those payments to the back of the loan which we agreed upon. Next thing I know my credit was dropped XXXX points because of missed payments, this was never disclosed to me that i would take a hit like that, I didn't think this would happen because of covid. I remember the news saying that you couldn't get in trouble with the banks.I feel that i have been treated unfairly and that i have been targeted, when i asked them to restore my credit and fix this problem I was told I would have to write a letter to them since nobody in there credit department took phone calls. Pretty crooked!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
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:
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 report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: Conduent Incorporated
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I have {$3900.00} in back child support on my account that the equick pay eppic prepaid Master card company will not release to me. My child 's father contacted me in XX/XX/2019 and told me he been paying on him back child support for two years now. ( I hardly received any support from him threw out our daughters whole life. Eventually I gave up on him helping support her I just forgot she had a father and raised her by myself ) I have not received any of that money because I didn't no he was paying it. I called the Cleveland Ohio Child Support hot line to check and see if he really was making payments and yes he has been. I contacted the Ohio Equick pay EPPICard and ordered a new card. They sent me the card. I called to activate the card and it sent me to the fraud department they told me to email them my State ID. I did just that I then received a email back from they stating they received my email and the problem with me account will be resolved in 48 hours. However it was not resolved and I still have not received my money. I call them everyday and no one can tell me what's going on with my account or what to do next. At this point I don't know what else to do. That is alot of money and I don't understand why they will not release my money to me ( Ohio Child Support now goes threw a different prepaid card company. That prepaid card company that I now receive my child support payments on had almost {$3000.00} of back child support payments on it before I called them for the first time to order a card. They sent me my card with all my funds on it without a problem )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I have a target XXXX credit card. I depend on their website to inform me when a payment is due and how much. On XX/XX/2023 I received a notification from XXXX XXXX that a payment had been reported 30 days late to my credit report by Target XXXX. I found this shocking as the last time I checked their website it said my next payment was due on XX/XX/2023. I immediately checked their website again and the information there still stated that the amount due was XXXX XXXX  and was due on XX/XX/2023. Nowhere did it state that there was a late payment of any kind. 

I then called their customer service line and they refused to talk with me until I paid the amount due. Which I did happily and would have done sooner had I any inclination that I was late. After I paid they allowed me to speak with a customer service rep and began a dispute regarding the adverse information reported to my credit report. 

On XX/XX/XXXX I received a letter from Target dated XX/XX/XXXX stating that they investigated my concerns but would not remove the adverse information from my credit report. I then called the customer service line again and was hung up on. I then called again and the rep said my only recourse was to call the corporate office line and provided me with this phone number XXXX. This turned out not to be a corporate office line and actually just an information line about gift cards. 

I called the original customer service line again and was told there is nothing they can do and that their supervisors are not allowed to communicate with me. They left me with only one option of again entering a dispute into the system that had already failed to fix the issue. I have since looked over my payment history and realized they have charged me late payment fees multiple times despite never informing me of a late payment. 

I suspect this XXXX be an effort to intentionally mislead customers so they can make more money from late payment fees.

Company response to consumer: Closed with monetary relief