BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-25
Company: Radius Global Solutions LLC
State: VA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I move from XXXX in XX/XX/2023 I was not aware of this debt so I took a look at my credit report because I got a notices about a new account so I call the number and they told me the about the XXXX XXXX XXXX had sent them so I paid the amount XXXX XX/XX/2023 and it still showing unpaid collection I have call them time after time to remove this collection I was told they can not do anything it has to be there on my credit for 4 months and it is missing up my credit report score

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 2023-10-06
Company: EQUIFAX, INC.
State: TN
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 appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 2020-02-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
2017 they stole {$6000.00} out of my account Chase bank took {$6000.00} out of my account when I was making cash deposits and I have all the emails to show you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Americor Funding, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
All XXXX companies involved in this scam : Americor Financial, Credit9 Lending, XXXX XXXX XXXX XXXX XXXX. By Mail these companies solicit to offer credit consolidation & do absolutely nothing. Their process is that they will negotiate or structure debt without filing a XXXX XXXXXXXX Bankruptcy, yet they understand the typically debt resolution process of the creditors better than the consumer. Unfortunately, they allow your credit cards to go delinquent which drops your credit score. The scam is that once creditors offer the consumer debt resolution offers, the scammers charge 25 % of the original balance for supposedly negotiating your credit debt by doing nothing & not paying anything for an entire year. Upon the successful completion of consistent monthly payments, the scammers fraudulently offer a fake loan to pay or cover the remainder of the consumer 's debt that is never negotiated. As such, your monthly payments for XXXX  year are applied towards the scammers 25 % fee for doing absolutely nothing but ruining your debt by false & fake advertising. The fake loan offers require consumers to apply to their sister company which naturally lowers your credit score more so than their program & the fake loan is adjusted below $ XXXX, based on the consumers fraudulent negotiated debt leaving the consumer with a price-gauging high interest loan applied towards credit debt that was never negotiated while also leaving the consumer with ruined credit. The consumer can view funds withdrawn in the form of ACH & reflected in the scammers account, yet the consumer does not have access to funds & unable to withdraw funds that are fraudulently withdrawn under false pretenses. Once the consumer is falsely misled by the scammers bait & switch, the consumer is unable to transfer or request a refund for services that were never rendered or provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: Experian Information Solutions Inc.
State: NC
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: Investigation took more than 30 days

Complaint:
XXXX Auto Reseller XX/XX/XXXX Experian XXXX XXXX XXXX  Mortgage Companies XX/XX/XXXX Experian XXXX Miscellaneous Department and Variety Stores XX/XX/XXXX Experian XXXX Specialty Clothing XX/XX/XXXX Experian XXXX XXXX XXXX  Bank Credit Cards XX/XX/XXXX Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

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 2023-03-20
Company: CHARLES SCHWAB CORPORATION, THE
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
ON XX/XX/2023 I WENT TO THE XXXX XXXX ATM LOCATED AT XXXX XXXX XXXX, XXXX XXXX CALIFORNIA AND WITHDREW XXXX XXXX DOLLARS FROM MY ATM DEBIT CARD ENDING IN XXXX AT THE TIME THIS WAS MY LAST WITHDRAWAL AS I HAD ALREADY WITHDRAWN A TOTAL OF XXXX FROM THIS ATM, THERE WERE SOME RALLY SHADY PEOPLE OUTSIDE SO I JUST WITHDREW THE MONEY AND IMMEDIATELY HID IT SO THAT THE HOMELESS PEOPLE WOULD NOT SEE IT. WHEN I GOT TO MY CAR AND COUNTED IT LIKE TEN TIMES I REALIZED THAT THE LAST WITHDRAWAL OF XXXX MUST OF SHORTED ME SIXTY DOLLARS BECAUSE I ONLY HAD XXXX WHEN MY RECEIPTS SHOW XXXX. I AM A SENIOR CITIZEN AND I AM RAISING XXXX SMALL GRANDCHILDREN. I NEEDED THE CASH TO GIVE TO MY GRANDSON THAT IS IN COLLEGE, I NORMALLY WOULD NEVER WITHDRAW THAT MUCH OUT AT ONCE. PLEASE HELP ME GET MY XXXX ASAP THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: Experian Information Solutions Inc.
State: NJ
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:
Experian and XXXX  XXXX XXXX continue to list me as having an active XXXX  XXXX XXXX account, which is actually in my ex-spouse 's name. I have twice filed a dispute with Experian and XXXX  XXXX XXXX, and XXXX  XXXX XXXX rejected my first dispute out of hand ( XX/XX/XXXX) and the second is pending ( XX/XX/XXXX), though I expect another rejection. I have been divorced from my ex-spouse since XXXX of XXXX and have not had any knowledge of, or access to, this XXXX  XXXX XXXX account. I offered to send proof of divorce or other supporting documentation to Experian and XXXX, and XXXX merely denied the dispute with no reason. When I contacted XXXX XXXX  XXXX directly ( which, by the way, is impossible if you don't have an account -- there's some irony for you ) I was told I don't have any accounts with them, and I'm not listed on my ex-spouse 's accounts as an authorized user. I have asked y ex to confirm that I'm not on any of his accounts, and he has confirmed that. My credit score has been negatively affected by purchases my ex has made on this account, and I can't challenge it because XXXX erroneously refuse to remove this account from my 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 non-monetary relief
Consumer complaint received 2022-04-15
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I just realized on XX/XX/XXXX of XXXX  I was tricked and scammed into sending money to a person I don't know on Venmo which was in the amount of {$2500.00}. I disputed the transaction and they denied my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Credit Glory LLC
State: TX
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:
Credit glory charged to my account {$270.00} which was unauthorized. I called and canceled trail period in time. Out of the blue with out notice they charged my card causing XXXX over draft charges at {$25.00} each. Putting the total Credit Glory owes is {$350.00}. I was forced to use them while applying for a loan. As soon as I was done I called and canceled the trail period for {$1.00}. This is a scam derived to charge people for services when they have been cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15
Company: WELLS FARGO & COMPANY
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I thought I had enrolled in automatic payments on my card and they said that I had a late payment and didn't reach out to my to let me know. Once I finally realized, I made the payment right away but it was an error on their system.

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 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions regional acceptance I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED

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 2023-03-19
Company: C/C Financial
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 called experian about the company Preffered Lease friday XX/XX/2023 to inquire about a account reported on my credit report that was considered to be under an auto claim for {$2800.00}. I reached out to XXXX and pretty much got nowhere and they could not really help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 XXXXXXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 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 2023-03-21
Company: Experian Information Solutions Inc.
State: IL
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX  {$76.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$1400.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$890.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$23000.00} XX/XX/XXXX XXXX XXXX {$5200.00} XXXX XXXX XXXX {$20000.00} XX/XX/XXXX XXXX XXXX  {$27000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$3600.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$230000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX {$6.00} XXXX XXXX XXXX XXXX XXXX  {$850.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$5000.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$560.00} XX/XX/XXXX XXXX XXXX XXXX {$640.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$170.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX {$5.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$0.00} 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 2021-10-29
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My experience with synchrony bank has been a nightmare. In XXXX there was an error that led to an overpayment for my account was made leading to an XXXX return. I corrected this immediately, made the correct payment which went through. A few months later, XXXX of my auto payments was returned in error ( had to do with the money in a different ( savings ) account ). I IMMEDIATELY saw the error and redid my payment, which went through. Unfortunately, XXXX closed my account. I called them and after some time and escalations, they said they would review and see if they can re-open my account. They reinstated my account within a few days. 

After about a month with no issues, I find out that my account was closed a second time! Their response? It was reinstated in " XXXX XXXX. Never mind that I have been a customer with them since 2016 with no late/ returned payments. I called them again, and after over an hour on the phone, they finally told me if I had to get a letter from my bank explaining what happened. I was told explicitly by XXXX of the managers that my account would be reinstated If I provided this letter. I get the letter from my bank and send it to them and wait for another month before I finally call them again. Now they tell me they STILL can not reinstate my account. To top it all off, all my rewards and promotional purchases are gone as well! 

I have wasted hours trying to fight this, to no avail. Talking to agents at synchrony is like talking to a brick wall. The managers are useless ; they will tell you something, then go back on it a week later. Now with my account closed, XXXX is withholding my rewards balance that I earned, stating that it was " forfeited ''. They are refusing to credit my account.

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 2023-01-05
Company: Experian Information Solutions Inc.
State: AZ
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 been disputing with Experian XXXX and XXXX since XX/XX/XXXX and have not gotten anywhere with them so this is why i am here All XXXX credit reporting agencies have failed to conduct a reinvestigation which is a violation of 15 usc 1681i ( a ) ( 1 ) ( a ) The following accounts have the following violations and need to be removed form the credit report. 

XXXX XXXX XXXX # XXXX XXXX and Experian violated 15 usc 1681s-2 ( b ). They have failed to provide account level documention after being contacted by the credit reporting agencies regarding my dispute and violated 15 suc 1681s-2 ( a ) ( 5 ) they have failed to mark the account as disputed even tho i have multiple times. 

XXXX XXXX Account XXXX XXXX violated 15 usc 1681s-2 ( b ). They have failed to provide account level documention after being contacted by the credit reporting agencies regarding my dispute and violated 15 suc 1681s-2 ( a ) ( 5 ) they have failed to mark the account as disputed on Experian and XXXX even though i have multiple times. 

XXXX XXXXXXXX Payment history is inaccurate from XX/XX/XXXX to XX/XX/XXXX between experian XXXX  and XXXX. therefore this is a failure that they failed to give the furnisher relevant information and XXXX  violated 15 usc 1681s-2b.

The following collections need to be removed and all have violated 15 usc 1681s-2b XXXX- XXXX XXXX and Experian XXXX XXXXXXXX XXXX XXXXXXXX ( 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 2021-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX & TransUnion Credit Reporting keep reducing my credit scores without any adverse issues or credit activity. Not more than a few months ago all three agencies had maintained my credit score in excess of XXXX. Most recently XXXX  has reduced my credit score to XXXX ; TransUnion reduced the score to XXXX while XXXX has reduced my score to XXXX from XXXX less than 30 days ago. 

It appears, that unless I take out more credit or buy into their online services they ding my credit score.Other wise I have one of the cleanest credit histories you would find. 

I have contacted XXXX  and they sluff me off without any explanations. 

Can you please look into this matter at your earliest convenience. 

XXXX 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 2023-03-16
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Did a deposit XXXX  XX/XX/XXXX. at XXXX at ATM Citibank branch in XXXX XXXX XXXX XXXX Florida XXXX Because branch was closed I did the deposit for a total of {$9500.00} USD with this brake down - Deposit of {$7500.00} USD with XXXX bills of {$100.00} USD but the ATM only counted XXXX, when I noticed the mistake I cancel the operation in order to get the bill backs but money was not back. So I decided to continue with the deposit of XXXX bills of {$20.00} USD for a total of {$2000.00} USD this was ok. 
Also deposit 3 checks that were ok. ( for aprox XXXX USD ) When notice the mistake I waited at the branch to be open, thinking that they will check the ATM and find out that ATM did not count the XXXX bills of {$100.00} USD. but was told that need to report this claim over the phone. I did it sent the information requested ( copy of the deposit, letter with all the story ) I have received 2 letters from bank telling me that " can not verify deposit '' and need to send information again. So after 15 days, 3 letters to Citibank to different cities ( do not understand why different places ) with all information requested, 6 calls nobody can answer me.

Citibank for SURE can verify that money should have been inside the ATM at the time of making the cut at night or next days. IF they audit this specific ATM ( they have the ATM # ) will find the discrepancy in the ATM. 
Please to the people that would like to make a deposit thru an ATM try not to do it with a big amount, because bank just " wash their hands ''

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 2021-08-02
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am reaching out the CFPB for help in dealing with my mortgage servicing company, PHH Mortgage. I had reached out to PHH Mortgage back in XXXX of XXXX requesting a forbearance on my loan due to having a Covid19 related hardship after my employment was shut down through XXXX at least. PHH Mortgage stated my loan did not qualify for a forbearance. On XX/XX/XXXX, I received a letter from XXXX, XXXX XXXX XXXX advising my loan was referred to foreclosure. 
I contacted PHH Mortgage again explaining Covid-19 related hardship and I was told there are no options because my loan was referred to foreclosure. 
I submitted a modification request in XX/XX/XXXX as I was back to work and able to resume making payments however, the request was denied XX/XX/XXXX. 
I do not understand why the bank will not help me or why forbearance was not an option. Like so many people here in New York as well as throughout the county was not given an option to work from home during the pandemic shut down. I did not receive any pay for six months from XX/XX/XXXX through XX/XX/XXXX. 

Now, my only option here is to reinstate the arrears owed that I can not afford which I am sure now includes foreclosure costs or lose my home to foreclosure?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation