BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-20
Company: TRUIST FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I am a representative payee for an adult with a XXXX. He had an account for years with Suntrust and the bank merged into Truist. They agreed to not charge him a maintenance fee since he was a long time member on his Social Security checks. Then they started charging him a fee so I asked to have his account closed XX/XX/2022, wrote a check so his account was XXXX to his new bank and the account was to be closed on the day the bank account reached XXXX and wrote a letter to insure it was closed on XX/XX/XXXX. They did not close his account and accepted his social security check again on XX/XX/XXXX ( and charged him his maintence fee ) It takes a while for SS to change addresses to his new bank address although I have also called them twice and changed it on line... ( He gets XXXX a month and the maintenance fee is XXXX ). So I called back and had it closed again with a complaint filed that requested it close on XX/XX/XXXX. It still was not closed so I called back on the XXXX of XXXX and had the XXXX returned to his account as they realized the account was to be closed and they were told to close it XXXX XXXX when his account was again at XXXX but they accepted his Social Security check again!!! on XX/XX/XXXX and charged hinm on XXXX. I need his XXXX refunded along with the XXXX social security check of XXXX to the account address on file ( my address ) and verification that the account is at XXXX and closed. They are shameless to keep this account open until he will eventually be charged overdraft fees for his account that should have been closed. I do not live near a Truist so I have to rely on phone messages.

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 2021-07-09
Company: Rent Recovery Solutions
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Hello, I received a message from a family friend today that they had been called by a debt collector in regards to my old apartment complex.

I tried to call the company in regards to this and yes I was rightfully angry but I was in no way threatening. They proceeded to hang up on me and not answer any other call attempts. I did leave 1 voice mail apologizing for my attitude and 1 requesting a call from a manager due to the violation of the fair debt collections practices act.

I have received no call back and no confirmation that this matter will be handled.

The debt collector not only told a 3rd party they were a debt collector but also what kind of debt it was and who the client was.

I never even had a chance to handle this matter with them to begin with. I had just received their first communication letter in the mail yesterday.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 am aware after disputing things with the credit bureaus that the information was / is on my credit reports and should be removed especially when the New Credit Act of XXXX states in section 401 that these should be removed when no contract exists. Please assist! Theres also student loan data and inquiries that need corrected! 

XXXX - {$630.00}, no contract XXXX - {$240.00}, no contract 10 Missed student loan data to be reversed per new law DeptedXXXX 10 Missed Students loan data to be reversed Inquiries To Be REMOVED I didnt Authorized by way of contract XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX - no contract Inquiry from XX/XX/XXXX - no contract XXXX - no contract Inquiry from XX/XX/XXXX XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX XXXX  XXXX - no contract Inquiry from XX/XX/XXXX XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX XXXX - no contract Inquiry from XX/XX/XXXX Accounts : XXXX XXXX XXXX 23 late payments - Account number - XXXX Negative data to be reversed *XXXX XXXX  Negative data to be reversed Account XXXX Student Loans : DEPT OF EDUCATION/XXXX {$40000.00} Negative data to be reversed DEPT OF EDUCATION/XXXX {$60000.00} Balance updated XX/XX/XXXX XXXX late payments - negative data to be reversed Collections : {$630.00} - no contract XXXX XXXX XXXX - no contract {$240.00} Dept Of Ed/XXXX  - student loan data to be reversed 10 Missed Dept Of Ed/XXXX  - student loan data to be reversed 10 Missed Collections XXXX - {$630.00} - no contract Inquiries To Be REMOVED I didnt sign agreement XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX XXXX  - no contract Inquiry from XX/XX/XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX XXXX  XXXX , - no contract Inquiry from XX/XX/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 2022-11-30
Company: EQUIFAX, INC.
State: IL
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:
XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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  Balance : {$0.00} ; 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 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
ON XX/XX/2020 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 64 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: SYNCHRONY FINANCIAL
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: Overcharged for something you did purchase with the card

Complaint:
Unauthorized Charge and Unsatisfactory Customer Support from PayPal Credit Card Issued by Synchrony Bank What Happened? 

On XXXX I noticed a charge of {$390.00} on my PayPal credit card, labeled as a " Payment Correction. '' Upon contacting customer support, I was subjected to a series of transfers between departments, disconnects, and misinformation that have left me deeply unsatisfied and concerned about the handling of my account. 

Dates, Amounts, and Actions : XXXX : Discovered the unauthorized charge of {$390.00} on XXXX, labeled as " Payment Correction. '' Multiple Dates : Contacted customer support regarding the claim multiple times, resulting in : - Being hung up on by different departments. 
- Misinformation regarding the nature of the charge, including being told it was related to a balance transfer or a previous payment dispute claim that had already been resolved on XXXX 
- Lack of access to past payments due to a system upgrade, causing further confusion. 

Based on a letter received by the company on XXXX XXXX XXXX XXXX Original payment dispute claim was made for the amount of XXXX XXXX : Claim denied and was charged for the dispute reversal at the same time, leading to confusion regarding the new " Payment Correction '' charge on XXXX  as this is a duplicate charge. 

My Words : I feel utterly betrayed and ignored by PayPal Credit Card and Synchrony Bank 's support team. I approached them in good faith, expecting clarification and assistance with a mysterious charge. Instead, I was subjected to a nightmare of transfers, misinformation, and abrupt hang-ups. The confusion between a 'balance transfer ' and 'payment correction, ' the inability to access previous payment records, and the consistent failure to provide clear answers has left me not only out of pocket but deeply frustrated and distressed. The charge, described as a 'payment correction, ' was tied to a previous payment dispute claim that was already resolved nearly a year ago. The lack of coordination and compassion displayed by their support team was a disheartening experience that seemed designed to wear me down rather than help me. I am seeking the CFPB 's intervention to not only correct this financial mistake but to ensure that no one else has to endure such an infuriating and disheartening experience.

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 2022-06-12
Company: Paypal Holdings, Inc
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XX/XX/2022 PayPal will not allow me to login to my account because I do not have a mobile phone or a phone that provides texting. Last week I talked to customer service and was told that I would have to get a mobile phone. I asked to talk to supervisor and was told that the supervisor would not do anything for me and then was put on hold for supervisor for XXXX hour before I hung up. 

We can not get cellular service at our house because it is in a low spot. We only have a land line and our phone is not capable of receiving text messages. I was told they will not send a vocal message to our land line.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-13
Company: Experian Information Solutions Inc.
State: TN
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:
In XXXX of XXXX I filed a Chapter XXXX bankruptcy and in XXXX of XXXX I had to file a chapter XXXX bankruptcy due to being left with debt from a bad relationship. I contacted each of the credit bureaus and asked them to remove these 2 negative items early off my credit report since both are almost at the maximum amount of time that it can remain on my credit report. I also asked all 3 credit bureaus to remove all the late payments that related to me having to file the chapter XXXX bankruptcy since all of them are approaching the 7 year mark. Im asking for their removal because all are scheduled to be removed throughout this current year and I would like my full credit back and I have paid the price for these mistakes for long enough. I would like to buy a house this year and these marks will cause me to pay more interest than necessary. Im also still getting declined for unsecured credit cards because of all these negative marks. I feel that my credit history over the last few years has shown that I have overcome my previous issues and its unnecessary to keep punishing me for things that happened so long ago. I dont feel that its fair to continue to punish me and hold part of my credit hostage for such old items.

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 2022-06-12
Company: Experian Information Solutions Inc.
State: FL
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 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 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  has violated my rights. 
15 U.S.C. Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section2 : It also 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 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
ONCE AGAIN THIS COMPANY HAS VIOLATED MY RIGHTS I HAVE SENT THEM THIS COMPLAINT MULTIPLE TIMES AND AT THIS POINT ITS HURTING MY CHANCE OF PURCHASING A HOME. THEY ARE IMPROPERLY REPORTING ITEMS ON MY CREDIT REPORT THESE ITEMS NEED TO BE DELETED ASAP. I AM A NATURAL PERSON, I AM A LIVING HUMAN BEING, I HAVE RIGHTS UNDER 15 USC 1681. XXXX IS A GOVERN BY 15 USC 1681. AND THEY HAVE VIOLATED MY RIGHTS NUMEROUS TIMES. I DEMAND THE FOLLOWING ACCOUNTS LISTED BELOW DELETED BECAUSE ACCORDING TO 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE TRANSUNION WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS. - XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXXXXXX - XXXX. XXXX. - XXXX  XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2016-09-22
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Complaint : Nationstar Mortgage Loan # XXXX Complaint Date Filed : XXXX XXXX, 2016, XXXX XXXX On Wednesday, XXXX XXXX, 2016, I received a letter from Nationstar Mortgage. The letter ( see attached ), dated XXXX XXXX, 2016, informed me of an updated Dedicated Loan Specialist to assist me. The name of the updated Dedicated Loan Specialist, XXXX XXXX. 

I have been working with XXXX XXXX since XXXX XXXX, 2016. Call and E-mail communication from XXXX XXXX, 2016, sent to XXXXXXXXXXXX : Follow up to my call and message I left on Friday, XXXX XXXX, 2016, XXXX Hello XXXX XXXX As per XXXX, Customer Relations Specialist, letter dated XXXX XXXX, 2016, CFPB Case Number XXXX, you are my Single Point of Contact. 
Please E-mail me detailed instructions for all needed paperwork for loan modification assistance, all documentation needed XXXX. 
Thank you! 

What does this letter mean? 
Why am I being informed of an " updated '' Dedicated Loan Specialist, when I have been working with such " specialist '' since XXXX? 
What is happening to my previously submitted documentation?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: EQUIFAX, INC.
State: AL
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 recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have no idea about these accounts. I disputed them to the credit bureaus and didn't get any response at all. XXXX XXXX Account # : XXXX | XXXX XXXX Account # : XXXX | XXXX  Account # : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Affirm Holdings, Inc
State: WA
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 did not open this account ; someone using my information opened the account. I tried to contact AFFIRM INC, but they don't list their contact information. I have disputed this with XXXX, and they tried to tell XXXX they confirmed it was me. I know for a fact they never reached out to me personally.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Duplicate mortgage payments were sent into Nationstar this month, rcvd XX/XX/XXXX and XX/XX/XXXX. 
Called on XX/XX/XXXX while second transfer was showing as still processing, Nationstar advised unable to stop/reject, would flag account & once received would be returned with 1-2 days ( next Monday ). No refund received, called back & was advised I needed to submit bank statement to rep 's e-mail showing the XXXX debits even though they could see the credits on their end & they would send out via XXXX. No refund rcvd, called them, was told sent on XX/XX/XXXX but no tracking #, told them XXXX has tracking # & I needed before business close, placed on hold for XXXX, I hung-up need to get back to work. They call and left msg they needed statement faced to them before they could send out. No one there can get their story straight! Credit vs check, e-mail vs fax, sent / not sent. By the time I get my refund the next payment wil be due & all my other bills will be delinquent! Either a bunch of idiots or liars, take your pick!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My Mortgage lender, OCWEN, has escalated my monthly mortgage/ESCROW payment from {$2.00}, XXXX to {$2700.00} ( a {$300.00} a month or {$3600.00} per year increase ). In addition, OCWEN has charged my bank account, XXXX, the increased amount without my authorization. ( Please note : Nothing has changed with my loan..I have been paying the same amount for XXXX months until OCWEN drastically increased my monthly payment ). 
I have called OCWEN repeatedly ( each time is an average of a 1-hour wait time ). Each time the representative indicated they could not provide an explanation over the phone ... they will need to do " research '' and they will call me back within XXXX time!. In XXXX, I finally got a hold of an OCWEN rep who indicated that " OCWEN has the right to increase my ESCROW payment if they felt it was too low '' without authorization from me. I did not agree with this explanation and indicated that I will not pay any extra amount until I get a satisfactory explanation. As of XXXX XXXX, OCWEN automatically charged my account the extra {$300.00}! There was no statement or anything that indicated they were going to charge my account this amount and certainly no written explanation. I spent another 2 hours on XXXX XXXX with an OCWEN " escalation representative '' who also could not provide an explanation over the phone. She attempted to indicate that it was my insurance that increased -- this is completely incorrect. She also said she would call in XXXX hours and I still have not heard from her. 
In addition, I called my back XXXX to indicate that my account was illegally charged by OCWEN and will be filing a formal complaint with XXXX as well. 
OCWEN is known to be corrupt and has several lawsuits against it. I did not choose this mortgage company, my loan was sold to this company -- certainly not a choice I would ever make on my own. I feel I should not be forced to do business with a corrupt company who is " KNOWN '' to implement illegal and unethical practices. 
I am writing to request assistance in stopping OCWEN from getting away without arbitrarily exacting unexplainable monthly increases and then charging my bank account for this charge.

Company response to consumer: Closed with explanation