BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-18
Company: Flagstar Bank, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have had issues with my mortgage company consistently reporting incorrect information regarding my account. Ive tried to address it with them to no avail and have also tried to address it with the bureaus with documentation and Flagstar wont correct the issue. They have been reporting the incorrect loan balance for months and I simply want them to correct this one thing. All Im asking is for Flagstar to report to all 3 bureaus my present loan balance as of the date that they receive this complaint. 

They were supposed to reset my loan effective XX/XX/2021 and it never happened. That mistake cost me over {$3000.00}. The repeated incorrect reporting of my balance, even after Ive asked them to address it is ridiculous and extremely unfair because its such a simple request.

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 2023-08-25
Company: Experian Information Solutions Inc.
State: SC
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX CT XXXX XXXX, SC XXXX XXXX XXXX : {$7900.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$2700.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$630.00} XXXX XXXX  XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$9900.00} XXXX XXXX CT XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX ) XXXX Balance : {$1800.00} XXXX  XXXX Balance : {$710.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2700.00} XXXX XXXX XX/XX/2023 XXXX XX/XX/2023

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 2021-07-20
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I want to inform you that I have never done any type of business with this company that claims that I have any type of debts with them. I do not know and repudiate the action of this company that in the first place violates 15 USC 1692 e ( 9 ) by making a false representation that they have some type of business with me. 2. violate 15USC1692e ( 2 ) ( a ). Mentioning the legal status of an alleged debt. 3.Violation 15 USC 1692e A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : 4.Violation 15 USC 1692e ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer. 5. Violation 15 USC 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 6. Violation 15 USC 1692d ( 4 ) The advertisement for sale of any debt to coerce payment of the debt. 7. Violation 15 USC 1692c ( b ) Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19
Company: Transfinancial Companies, Inc
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I sent a certified letter to Transfinancial Companies in which they didnt respond. So, I proceeded to send a letter to the Credit Bureaus in which they stated they validated that it was mine, however during the verification process they still didnt send me anything with my signature to prove that the debt was mine. The debt is in the XXXX of {$640.00}. This is a violation of HIPAA because Im allowed under HIPAA to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that HIPAA does allows the release of limited information about me but with the patients authorization. Therefore my request was twofold-validation of debt and HIPAA authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Apparently there was a credit card from amazon opened in my name under an amazon account that I do not own. The card was being used and payments were being taken out of my account. Amazon would not give me access to the account that was closed and I could not log in to dispute with the bank because I did not have the card info. I have tried numerous times to contact the bank as well as amazon with no luck.

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 2022-06-17
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A power outage Caused my bank to double charge me on everything I have no access to any of my money my online account says one thing and the bank tells me another. They will not tell me any information other than that and they are trying to fix something I am stuck at a gas station with XXXX kids with no gas waiting for them to respond and let me use my money. All of a sudden there is no online calls available and they will not give any information out over the phone this is extremely frustrated and not to mention I had to cancel their very important doctors appointment today because of this there has been no heads up or any form of communication about this everything has been caught off guard

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: GOLDMAN SACHS BANK USA
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
A refund that is due because of death and over payment on insurance premiums for auto and home. Original premium was paid by credit card and refunded to credit card company instead of XXXX. Auto and home have been sold in meantime as progression of the XXXX has occurred. 
We have contacted XXXX XXXX, they tell us Marcus GM credit card must refund. 
Marcus was notified of death, provided with death certificate,, XXXX XXXX XXXX XXXX XXXX, XXXX order naming Executor, Administrator. 
Follow up calls to Marcus GM credit card customer service telling us they can not contact department who handles refund nor can they provide us with a number or contact means. 
Marcus GM credit card is through Goldman Sachs.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Experian Report # XXXX for XX/XX/XXXX. I have asked this to discontinue any and all credit freeze that they may be involved in under my name/s.I was at XXXX XXXX # XXXX in XXXX Arizona to purchase a washer & dryer and was unable to complete the order or credit card application due to inability to recieve the credit information from Experian. Also XXXX XXXX XXXX appears and they are under a class action suit for having a pick-a-payment loan that was illegal. XXXX XXXX as stated before no action or foreclosure should appear as this home XXXX XXXX XXXX was sold.This was sent to all Credit Companies and everyone but Experian complied. This was in XXXX # XXXX XXXX XXXX was found guilty of collecting an advance sum on a refinance by The State of California and bad faith, I have advised Experian about sharing information regarding myself as not to and they continue.I did not want or apply to these XXXX XXXX XXXX on my Credit as a request that I know nothing of.4 requests by XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX and these things remain for 2 years.capitol 1 for an  auto loan which I did not apply for.XXXX XXXX  XXXX never applied for a car.

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 2022-08-09
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XX/XX/2021 purchased {$1000.00} in goods from XXXX XXXX, using PayPal. XXXX refunded {$410.00} XX/XX/XXXX and {$280.00} XX/XX/XXXX. The remaining funds of {$380.00} were supposed to be credited to PayPal within 4-6 weeks. In has been 8 weeks. I have an mail from XXXX dated XX/XX/XXXX stating that my missing refund of {$380.00} has been processed. I spoke with XXXX and PayPal XX/XX/XXXX, XXXX stated that the refund has be sent in XXXX parts : {$370.00} and {$9.00}. XXXX gave me transaction identification numbers for these transfers : XXXX and XXXX. PayPal was opening a case to find the missing money. PayPal sent me a note stating a refund was was received for {$410.00}. This is not the disputed amount. It seems that PayPal and XXXX are treating me like a ping pong ball with neither one taking responsibility for the missing {$380.00} due me. They hope that I will get frustrated and disappear, but this is nearly {$400.00} dollars of my hard earned money. These companies, especially PayPal, have been giving be the runaround for XXXX months. Please, Please, help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13
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 noticed damages on my report. According to the 15 U.S.C1681 law, there should not be any damages to my report. This is a deformation to my character.

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 2022-03-03
Company: Experian Information Solutions Inc.
State: AP
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:
I was late on a XXXX XXXX loan for a few months, in XXXX I paid off the overdue balance for my loan and then I noticed my credit report said it was charged off. Immediately I contacted the help desk and they told me I had no loans charged off or with collections ; then I got a notification that I had a new loan ( I did not consent to this ) again I check in and they said I had one open loan. I since paid it off and asked XXXX XXXX to reflect on my letter that it wasnt charged off, but they ignore my request and told me to wait for 30 days. They havent addressed my issue, and my XXXX complaint went nowhere- please help me! I have read horror stories about XXXX XXXX and Im scared.

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 2023-08-07
Company: Experian Information Solutions Inc.
State: SC
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:
XXXX XXXX, EXPERIAN, AND XXXX IS IN VIOLATION AND A SERIOUS BREACH OF TRUST. YOU HAVE VIOLATED THE TRUTH AND LENDING ACT AND ALSO AGGRAVATED IDENTITY THEFT - 18 USC 1028 A. ALSO YOU ARE IN VIOLATION OF 13 OTHER LAWS THAT YOU ALL CONTINUE TO VIOLATE. YOU ARE IN SERIOUS BREACH AND HAVE COMMITTED SEVERAL VIOLATIONS ; ALL 3 BUREAUS ( XXXX XXXX, XXXX, AND EXPERIAN ) IS IN VIOLATION OF : 1. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 2.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 3. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 4. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 5. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 6. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 7.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 8.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 9. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ALL VIOLATIONS THAT I HAVE BEEN COMMITTED AGAINST ME, MAY BE SUBJECTED INTO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. YOU ARE NOW TELLING ME AGAIN TO CALL IN AND DISPUTE INFORMATION THAT DOES NOT BELONG TO ME. THIS ANOTHER VIOLATION 10. 42 USC 408 ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) YOU HAVE 5 DAYS NOT 60 DAYS. ITS UNLAWFUL TO KEEP HARMFUL AND DECEITFUL INFORMATION ON MY REPORT. PLEASE AGAIN, REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE, ILLEGAL, FRAUDULENT INFORMATION FROM 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 2019-09-16
Company: AC AutoPay LLC, Denver, CO Branch
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
On XXXX I agreed on a purchase price with the seller for a XXXX XXXX XXXX on XXXX. I was then contacted by their financing partner AUTOPAY on XXXX who claim to provide stress free financing where they take care of all paperwork and essentially act as a middle-man dealer between two private parties. Between XXXX and XX/XX/XXXX I provided all requested documentation and was approved for a loan. Final loan documents were then supplied by AUTOPAY, with numerous errors ( counterparty name, interest rates, and other crucial pieces of information ), after notifying the firm of the mistakes the loan documents were resent and finalized by XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX AUTOPAY did not return any requests for information or status of the loan. On XX/XX/XXXX the lender requested a few final pieces of information, all of which was provided within hours. I was then instructed to wire AUTOPAY the down payment, which was sent and confirmed received on XX/XX/XXXX. After confirming the receipt of the wire, AUTOPAY stated it would be a few days maybe when I inquired as to when I could pick up the car and register it. Following this promise there was minimal communication until XX/XX/XXXX when I was told it would be completed by XX/XX/XXXX no problem. On XX/XX/XXXX there was no communication and when I called to inquire they acted as if they did not know what the hold up was. Since XX/XX/XXXX they have made no progress and continue to push off giving explanations as to what is taking so long. 

Not only have I had to correct loan documents, and title process ( they were grossly unaware of how titles work in NY state ), but I have also spent countless hours on the phone waiting on hold just to be disconnected or told they will call me back which has rarely happened. 

To date I have not only paid them a {$490.00} financing and paperwork fee but have been out my $ XXXX down payment for a month, paid a full months insurance on a car ( {$100.00} ) I do not have and have had to pay {$22.00} per day to get to and from work via public transportation. 

They have not only mishandled numerous pieces of information, been extremely untimely and provided false promises but have also cost me a $ XXXX+ in incidental costs due to their mistakes. 

I would highly recommend staying away from AUTOPAY and their affiliates.

Company response to consumer: Untimely response
Consumer complaint received 2023-08-07
Company: Experian Information Solutions Inc.
State: LA
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:
My name is 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 2023-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I do not recognize nor did I authorize it. I have never received any funds from them nor any lines of credit issued or utilized by myself. I never verbally or in writing gave anyone from the below companies permission to use my Personal information privately or publicly or in any sense to share XXXX XXXX XXXX ; XXXX XXXX  XXXX ( Bank ) XX/XX/2023 XXXX XXXX XXXX ( Auto ) XX/XX/2023 XXXX  XXXX XXXX ( Bank ) XX/XX/2023 XXXX XXXX ( Finance ) XX/XX/2023 XX/XX/2023

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 2021-07-20
Company: SUN WEST MORTGAGE COMPANY, INC.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I bought my townhouse on XX/XX/2020 during the pandemic with the help of a down payment assistant program of {$11.00}, XXXX, forgivable after 36 months of consistent payment. My mortgage was with Sun West mortgage company ( SWMC ). While attempting to refinance and shopping around, I was told that I have a third XXXX  for {$31000.00} on my mortgage ( deed of trust ) with a guy named XXXX XXXX XXXX XXXX as the trustee and Beneficiary, MERS acting solely as a nominee for Sun West Mortgage Company inc. 
I confronted SWMC and was initially told that it was a grant ( in my understanding ). I inquire about what happened to the grant or why I have a third XXXX  on my title and so far have received no answer or clarification. I tried reaching out to MERS and was told that they are not a mortgage company and to call SWMC. Please investigate, there is a fraudulent 3rd lien on my mortgage account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Capital One Walmart Credit card is the company. 
It started when our online account was hacked for over XXXX dollars. They made it horribly impossible to get it taken care of. 
I have requested payoffs that they say they never recieved. I got a loan through XXXX XXXX XXXX XXXX to pay off the Wal-Mart card with capital one. 
The check was mailed on XX/XX/2023 from XXXXXXXX XXXX to Capital one on 2 different accounts as well as other credit companies we had. Everyone recieved and cleared on the XXXX of XX/XX/2023. All except Wal-Mart capital one. 
I called again today to request another copy via email as well as paper. They still on this day the XXXX of XXXX claim they have not recieved the payoff check, at that time was for XXXX. 
I now have a missed payment, late fee as well as outrageous interest occurring totalling XXXX. 
We have been trying to get away from this company since our accounts was hacked from another state with people using our account to do in store pickups. How that was even possible without proper identification is beyond me. Made me think it is inside jobs going on. I feel they intentionally haven't sent that check through their system so they can occur more fees and interest at 27.99 % please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I paid off my Lane Bryans credit card on XX/XX/XXXX2022. I paid the statement balance prior to the due date. Since the card was fully paid off and not being used, I didnt expect any further charges. 
XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX/22, XX/XX/XXXX22, XX/XX/XXXX22 I was charged with a minimum interest fee of {$2.00}. Why would I get charged interest on an account that is paid off?!?! 

Additionally, they then started assessing late fees. I never received a single statement via email or US mail telling me that I still had a balance. I tried to speak with Comenity, however they claim their fee is lawful. I had a perfect payment history on my credit report and now this has been sullied over an unreasonable and possibly illegal fee. 

I have other store cards with Comenity, and I have paid off this card as well in the past and I have never been charged a minimum interest fee after the card has been paid off.

Company response to consumer: Closed with monetary relief