BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 XXXX Account # XXXX has violated my rights 15 U.S.C 1681section 602 A states I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 it also says a consumer reporting agency can not furnish an account without my written instructions.

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 2023-02-03
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Shellpoint likes to invoke the term that we received similar correspondence as buzz words and Shellpoint knows that CFBP will close the case if they say anything convoluted. XXXX Shellpoint HAS NOT addressed why my XXXX states {$65000.00} at the end of XXXX but the Mortgage Statement at the end of 2XXXX states I owe the outstanding principal is XXXX. My XXXX and Mortgage statement have to be the same at the end of XXXX 

I paid {$10000.00} in interest in XXXX. Shellpoint point maybe able to defer it on their taxes but Shellpoint can not charge it to me and not provide it on the XXXX. Income tax evasion and a scheme to defraud me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: CITIBANK, N.A.
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:
Back in XX/XX/2020 i field a dispute for {$860.00} with the card issuer They never responded to my dispute, so when the next statement arrived i contacted them again they took the dispute and never notified me that they were unable to recover the charge. So i filed another dispute in XX/XX/2020 i received my statement and filed yet another dispute because of the cover they never responded so in XXXX again i refueled it. they removed the charge and never received the outcome Now as today XX/XX/2020 my statement came and the charge was put back on my statement. i spoke to them and they said that they were still working on the dispute so i asked them if its in dispute why has the XXXX on my statement it should be removed but they insisted that i must pay the balance with my disputed amount I thought that i can be billed for the disputed amount until its resolved Also my last 3 payments to them were never received and they have added XXXX X 3 on my bill.

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 2023-02-03
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:
regarding payment of XX/XX/2022 mortgage payment. XXXX XXXX is reporting it late although the payment was made my first servicing company. The mortgage was sold to another servicer. So payments were made and forwarded but they first servicer returned the mortgage payment instead of forwarding. attached is proof that payment was sent... then credited back to me... 
I need the negative late payment reported removed. 
XXXX XXXX Regarding XXXX. XXXX XXXX XXXX, MI XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reported on my Credit Report : XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$630.00} ; XXXX XXXX XXXX Balance : {$1000.00}

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 2022-03-16
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I received a speedy cash loan for {$600.00} right before the pandemic started. I lost my job and have a family and everything quickly spiraled out of control. Nearly 6 months later or so- I had cash come in and cleared all my really important debts. My speedy cash debt was settled in that. I received a notice that my loan is now seriously delinquent This company has robbed me and taken wayyy more than they were ever truly owed AND I settled the account with them. I am trying so hard to put my credit back in place after covid and this is very hurtful for my family trying to get things back on track.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: Paypal Holdings, Inc
State: WY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
PayPal has held our Money multiple times starting from XXXX XXXX, 2022. Unfortunately do to this we have suffered financial hardship. We are indeed a new business PayPal holding our funds has negatively impacted our business.this past Thursday we spoke to XXXX a supervisor with PayPal. This supervisor lifted the restrictions after seeing that we had provided everything that was requested of us. Not even 3 days went by before another restriction was placed making it impossible for us to receive our funds. PayPal is very much aware of the nature of our business as we receive multiple payout from XXXX. We also have business coaching program and products we help get people started in XXXX as well. Our business has grown. It seems as if we are being punished for the growth. I just called in this morning and spoke with XXXX regarding the newest restriction. The case ID # XXXX XXXX XXXX we need access to our funds ASAP. Please make this right

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-05
Company: EQUIFAX, INC.
State: MS
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 disputed XXXX a collector which states its on behalf on XXXX XXXX. It was on my 3 credit reports Ive disputed them on 3 occasions each or more. Im pretty sure equifax is the only credit bureau that let it stay. XXXX and XXXX seemed to have deleted it, and I hope it stays off. It isnt my debt. I asked for proof or evidence from XXXX such as a signature. I even went over my rights under FRRA. It is my right to do so.They sent me a short letter saying that they received my dispute, and feel it was done by a credit repair or 3rd party instead of myself. That is not the truth. I did it on my own. They refused to investigate and basically laughed in my face. I guess now we are allowing anyone to put anything on our credit reports and get away with this. I plan on doing everything I can to get these fraudulent companies to remove false reporting on my reports. Ive disputed with XXXX, equifax, and XXXX. Pls have this removed. The letter that thus horrible collector XXXX sent me will be attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Im a Capital One customer who thought I held a high-interest account, but was tricked just like outlined in this article : XXXX XXXX XXXX  The advertised rate as of this date is 4.30 % APY. I just noticed that I have been earning a rate of 0.30 %. In addition to the above noted article description of my issue ( with the only difference being the current market rates ), I called and was told by Capital One Management that I have a grandfathered account ( 360 Savings ) and in order to get the advertised rate of the non grandfathered account ( 360 Performance Savings ) i need to open a new account. The bank had no problem reducing my rate over the years but suddenly, and without warning or proper notification to its customers, it " grandfathered '' accounts, seemingly as an excuse to avoid paying market rate/advertised interest on my HIGH YIELD savings account, which I have held since opening with XXXX XXXX  almost 20 years ago. Capital One 's new account is similarly named ( adding the word " performance '' ) and also has no fees similar to the grandfathered accounts. There is seemingly no appropriate business practice for this change other than to deceive and defraud long time customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: Synovus Bank
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I am a XXXX XXXX permanently XXXX Veteran, living on a fixed income. After completing my service time in XX/XX/XXXX, I have had to have numerous XXXX that have deemed me unable to work. I have had this item that shows as First Progress with a balance reporting of {$190.00} charged off, on my credit report. First Progress is a secured account, that I sent the company {$300.00}. In XXXX of XXXX- I reached out to all and any creditors and made them of an upcoming XXXX   on my XXXX, due to a XXXX  injury in XXXX . I am quite positive that all credit accounts also included the fee of " XXXX insurance ''. However, when the time came- no one knew anything about anything to help me in a situation that I became XXXX from serving our country. I call the number and no one can explain how I owe {$190.00} of my own {$300.00}. The company is actually still mailing me statements showing a credit of {$1.00} on the account. I got nothing telling me a charge off was being placed and the company will not verify anything for me, nor allow me to resolve the issue. I only want to validate a debt and try to find a way to settle it, so that my credit is not tarnished. I was unable to pay anything, waiting for my SS XXXX to kick in but this account would have been paid through collateral of my own funds, as it was a secured account. I dispute through the credit bureau and get nothing. I call and am told nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: DISCOVER BANK
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: Card was charged for something you did not purchase with the card

Complaint:
I was scammed by a company posing as XXXX. I called the number found on-line ( XXXX ). They asked me for certain information which I provided thinking that I was going to receive a credit for XXXX. What actually happened next was that this fraudulent company charged my XXXX account in excess of {$1200.00}. I received notification shortly thereafter by my Discover card company that there was suspicious activity and they asked me to validate that these were legitimate charges. I immediately advised Discover representative that these were not legitimate. I than contacted XXXX to alert them that someone had stolen my identity. As noted above, the monies were withdrawn from my account in a very short duration of time. My immediate thought was that I needed to cancel my Discover and XXXX accounts which I did. I than began the process of assuring that my monies were protected my one or both of these companies. My husband also believed that his XXXX XXXX and/or XXXX XXXX memberships should protect against this fraud and loss of funds. We appear to be receiving a bit of a run around by these various companies, with each stating they have no responsibility to refund the money stolen from the XXXX account. 

What I find most disturbing is this whole chain of events began over XXXX charging my Discover credit card for the XXXX XXXX service I had not ordered. This entire situation would have been avoided had I not had to initiate the first call to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: The CBE Group, Inc.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I keep getting calls from CBE group ( their number ( XXXX ) XXXX, a number from XXXX, Wisconsin, as what is on the caller ID. I spoke with one of the agents and they said i owed some money. I was unaware of any debts that i owe to whomever they are claiming i didn't owe it to, so i asked them where the debt came from, and they did not know, but they did however begin to phish or ask for my personal personal information. Were i worked, where i live, my phone number and email, social security number. 

It felt suspicious and I so demanded they take me off the Call list. They did not. I blocked their number, but they used a different line. They won't stop calling. I picked up this evening and the same thing happened. They began phishing for personal information. I then demanded they provided a physical address so I could go in to speak with them. They did not provide it. I believe they are attempting to steal my private information. 

The calls are disrupting my work and evening life. I am becoming frustrated and angry for these scammers trying to steal my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-20
Company: ALLY FINANCIAL INC.
State: OH
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In XXXX Ally Bank offered a 1 % bonus on all net new deposits ( XXXX XXXX XXXX ). I followed the steps and received the email indicating that I had registered for the bonus. I followed the link in the email and deposited {$25000.00} of net new funds into a 13 month CD in order to receive the 1 % bonus ( {$250.00} ). Per the terms of the bonus, I did not remove any funds until the holding period had passed. However, at the end of my CD term, I did not receive the bonus as a payment into my Ally bank account or as part of the final CD payment, which matured on XX/XX/XXXX. 

On XX/XX/XXXX I reached out to Ally via their secure messaging system on the website for information. I received a same-day response indicating that the email address I provided did not match what was on my profile. I responded that same day and attached the bonus signup confirmation email, which shows that I had received the signup offer to the same email address as my user profile 's email address. I received no response for several weeks. 

I contacted Ally Bank via their online chat service on XX/XX/XXXX to follow up to this issue. The representative made a note of the issue, but I did not receive any other resolution. 

I then contacted Ally Bank again via their online chat service on XX/XX/XXXX. This representative was able to research further. She noted that there were two different email addresses stored in the system ( my college email address and my personal email address ). However, on my user profile I can only see and update my personal email address ; the college email address appeared only on screens that she was able to access. Apparently the bank bonus system was checking against my college email address ( which I had used earlier in my 10+ year relationship with Ally Bank / GMAC Bank XXXX but had changed ), rather than my current email address shown on my user profile. As I have no way to update that college email address in any screen that I am able to access, it makes no sense to be held to that as the only email address valid for the bank bonus, especially when I purposely registered with the same email address that is currently shown on my Ally Bank profile. At the end of this chat the representative indicated that she would notate and escalate this case. I indicated that if I did not receive a response by XX/XX/XXXX I would be filing a CFPB complaint. I did not receive any further communications. 

On XX/XX/XXXX I filed this CFPB complaint.

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 2023-11-16
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to XXXX party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-19
Company: EQUIFAX, 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 status incorrect

Complaint:
When I went to XXXX XXXX I signed a promissory note my freshman year to take out a $ XXXX loan for my tuition. To my knowledge that was the only loan I had once I graduated. After my freshman year I obtain a XXXX XXXX  and received multiple scholarships and became a part of multiple groups like the XXXX Program that gave scholarship money for the the next 3 years that I was there. I also moved off campus my sophomore and junior year. I didn't move back until my senior year. 

Once I graduated I found out that my school took out a loan for me my junior year for about $ XXXX. I knew nothing about this money and I saw no parts of it. I advised the department of education that this was fraud and submitted a fraud claim. They inturn sent me a copy of the promissory note from my freshman year basically saying since I signed that my school had the right to take out loans without my knowledge. That is some bull. 

I pay all my bills and I'm currently paying on the $ XXXX loan I had. I just refuse to pay this until someone can show me where or how this money was applied to my tuition. Any bill that I pay has a breakdown of the charges. That's all I'm asking for is a breakdown. Show me how this was applied to my tuition and I will pay. Noone seems to be able to do that and that is my problem. 

There was no reason for my school to have to take out a loan for me my junior year. I lived off campus so my tuition should have been way lower. If I didn't need any loans my sophomore year I should not have needed any my junior year. I had the same scholarships. Also I moved back on campus my senior year and not showing any loans for then. What since does that make? How would I need loans when I stay off campus but don't need any when I move back on campus. Tuition should be way higher. It makes no sense. Anybody should be able to see that and agree. 

Also last year the department of education took my taxes. I disputed it and started the process for arbitration but then my money came back in the mail and my credit was updated to show this as a closed account. 

Also, about a month ago I was trying to refinance my home when I was denied due to credit. I went and checked it out on XXXX XXXX  and it showed this account as closed but it was still showing a payment history. So I disputed this through XXXX XXXX  and they updated it on XX/XX/21 on XXXX to show correctly now XXXX screen shot attached XXXX but on Equifax they put it on there as an open account now showing all these late payments. It has caused my credit score to drop XXXX points. All credit bureas should be showing the same way TransUnion is.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: IL
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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with explanation