BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-06
Company: TD BANK US HOLDING COMPANY
State: PR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Hello, My name is XXXX XXXX XXXX XXXX paying a car is in my dads name but my father pass away in XXXX XXXX I notify TD Finance that my pass away that i need information is this account have a insurance policy and was i the next step. I keep writing to them that i dont have any information of this account, i been paying and i dont have any proof of my payments, balance, and I still waiting is this account have any insurance policy and the next step. In XXXX XXXX they ask me for the death certificate and the beneficiaries declaration and nothing more. I been paying without any proof of payments or account information and I been asking for a moving certification because i have to move to XXXX XXXX and nothing happen. I need help asap because I just decided not to pay anymore. Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26
Company: SW Linear Investment Group, LLC
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XX/XX/XXXX, I received from XXXX XXXX XXXX Notice of Intent to Foreclose for a lender and amount ( XXXX ) I was unaware of. When disputed, they informed me of the original debt was with XXXX XXXX. While, I was familiar with XXXX, the debt was charged off in XXXX. For seven years, there was no communication from XXXX or Linear Mortgage , LLC, indicating it had been turned over to a new servicer. 
Throughout the dispute, Linear Mortgage , LLC back dated interest, and late fees from XXXX until the XXXX to support their Intent to Foreclose notice. All of which was discovered during the process of negotiation with me hiring an attorney. Linear Mortgage , LLC agreed to forgo additional fees and only to pay $ XXXX However, they submitted updated Notice of Intent to Foreclose for $ XXXXnaming themselves as 1st Position. The information regarding Loss/Mediation wasn't forwarded to me until XXXX of XXXX It was later discovered that Linear Mortgage , LLC was not licensed to act as a debt collector in XXXX XXXX or anywhere on the consumer licensing information site. Since they are unlicensed and my former attorney informed them they were to cease with collecting, that have now signed my Deed of Trust over to XXXX XXXX XXXX. Unfortunately, my attorney has withdrawn from the case and I am left without any resolve.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: GOLDMAN SACHS BANK USA
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Apple Savings states I have to verify ownership of my checking account with XXXX XXXX XXXX XXXX. I made several attempts at contacting both, XXXX has reassured me that they have the appropriate information on file to provide Apple Savings/ Goldman Sachs with information for verification. The XXXX third party verification form was completed on XX/XX/2023. 

I confirmed XXXX has documents on file to release verification information. When I contact Apple Savings/ Goldman Sachs verification line, they always fine another reason to not be able to assist. They contacted Card Services, NOT XXXX XXXX XXXX XXXX. Then they say XXXX is closed. The list goes on. The Apple Saving supervisor said I could just simple call them from the bank, then another representative says I have to call back, etc. 

I have a direct contact at XXXX, XXXX XXXX, XXXX. 

However, Apple/ Goldman Sachs says they cant call him directly.

So, after multiple attempts and different excuses every time, obviously there is an issue with Apple Savings/ Goldman Sachs XXXX not XXXX XXXX 

This shouldnt be allowed. Im not sure what all the problem is since I pay my Apple Card/ Goldman Sachs through this very same account. 

When I asked the spelling of the name of the employee, she disconnected. When I called back, they refused to make provide the information. 

I can not even explain the amount of time Ive had to spend on the phone, only to be hung up on when I ask the supervisors name. How can an institution get away with this? I can not believe that a director at XXXX XXXX XXXX XXXX calling on my behalf is not acceptable to verify ownership. 

Once I contacted Goldman Sachs after the originally supervisor hung up, my final point of contact would be XXXX. She gave me reference # XXXX. She stated I could call with that reference number, and she would be contacted since she is manger AND supervisor of the savings department of Goldman Sachs. The only thing XXXX could do is make comments to the account. She said no follow up would happen. She submitted the complaint to a team within Goldman Sachs Savings department for review- but they would not have a need to follow up. 

Please help or advise. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: AL
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:
I filed a police report for identity theft on XX/XX/XXXX for a XXXX account. I have sent letters to XXXX, XXXX & Equifax they have failed to remove this from my credit report. I filed a FTC report as well. I also had Inquiries I did not authorize on my credit report. I will list them : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XX/XX/XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX, OH XXXX Re : Closed account ending in XXXX, Active account ending in XXXX In XX/XX/XXXX I misplaced my BJs credit card ending in XXXX, and closed the account. 

In XX/XX/XXXX I paid my active card ending in XXXX. 

You credited my closed account for my payment hence the credit balance. I called customer service and was told the monies would be moved to the active account and the late fees would be waived. 

It has been 2 months, I stopped using the XXXX account. You never transferred the payments to the active account, you have charged me {$60.00} in late fees and interest. 

What do we need to do to correct this? 

Thank you, After this letter they moved the credit from the closed account to the open account but they left the late fees, interest and charged a membership renewal to the active card. I sent them a letter saying I do not want to renew, I am not using the card and I want a credit for the late fees and interest. They called today to say they are putting me in collections. 

I have tried calling and was told everything has to be in writing at this point. I am in my XXXX and would like to have my record clean before I die. This card is linked to a BJs wholesale club membership I do not want the card or the membership. I just want out of this relationship.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: MI
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, 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 15 U. S. C. 166b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason I have attached copies of my credit report showing that the information they provided does not match and its inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Per my credit card reward plan, I am eligible to receive XXXX annual anniversary points ( equal to {$100.00} ). Per my discussion with customer representative at Capitalone, they agree I am eligible for XXXX points and I have received it in XX/XX/2023. However, I don't have any way to check whether I received it or not. So, I ask capitalone I can't trust on verbal confirmation based on my past experience with capitalone. I need evidence in writing either email or statement or any written confirmation that I have received it. Otherwise I won't be able to confirm whether I received those points or not. However, customer support representative and supervisor told me they can not provide any written evidence. So, basically I have to trust whatever they are telling me verbally on phone, which I can't based on history with capitalone. 

Even Capitalone statement for the month ( XX/XX/2023 ) doesn't so any information instead say due error no reward information is available for that month. So, All supervisor is telling me to accept verbal confirmation. Following is reference to my conversation with supervisor : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: PA
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:
Fraudulent Accounts Appearing On Credit Report. 

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX {$520.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2019, Equifax refused to freeze my credit report, and refused to give me any information that would allow me to get my report frozen. 
Equifax claimed it can not identify me -- after I spent close to two hours online, on hold, speaking to two representatives, and being cut off twice. ( Both XXXX and XXXX had no difficulty identifying me, and freezing my reports. ) Equifax appeared to get hung up on credit cards questions, and on my inability to recall the issuers and balances on cards I cancelled many years ago. 
Although Equifax ( " XXXX '' ) said I must make a written request, it refused to provide the name of an individual, an office, or an address in the United States that I may contact. ( The only address he provided, and only after repeated requests, was for himself : XXXX, Customer Representative, XXXX XXXX XXXX XXXX, 1 XXXX XXXX XXXX, XXXX, XXXX. ) Nor would " XXXX '' allow me to speak with his XXXX  supervisor. I explained that I need to freeze my report before leaving the country. " XXXX '' also refused to put me in touch with the Equifax legal department or to identify the Equifax agent for service of process in Virginia. ( " XXXX '' initially claimed that he was the agent for service of process. )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: EQUIFAX, INC.
State: VA
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEBT XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I need to open a consumer complaint about the Old Navy/Synchrony card as my credit score has been badly impacted due to a process that they have set up with Synchrony bank. 

Summary of events : I had to leave to US for personal emergency.

I did not carry my Old Navy card for the trip and I do not remember the card or Userid/pswd online I get emails reminding for payment. I asked your customer service for helping me. You can see email below.

I called via phone few time and found an automated support as I did not have card I could not pay on phone. 
I tried to reach out via online chat but no-one could help. 
I tried to many times but not having the card/useriod/pswd with me I could not pay. 
OldNavy/Synchrony Bank company reported my card for late payment despite me trying to reach out to you and Synchrony multiple times. 
My credit score impacted by XXXX points. 
And this late payment would be on my record for years now. 

I reached out to OldNavy/Synchrony bank multiple times and tried to talk to their leadership to fix their process as they would be impacting scores for people like me who genuinely want to pay but due to " out side own control '' situation can not pay. 

Synchrony has mentioned that they have no email address and they do not take any complaint. Ideally I want Synchrony bank to send the update to credit score companies so that my score can be fixed. 

Before putting it out in public, I tried to get information from Synchrony bank team but none responded to my my email despite multiple email outreach.

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 2018-08-15
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXXXXXX XXXX placed a collection on my XXXX report over a year ago. I disputed that charge since it was an extremely old dead account which HSBC said was uncollectable. It was taken off my report and thought that was the end of it.

On XX/XX/2018 they placed the same account back on my report as a new debt and refuse to take it off.

It is for {$1000.00} I am constantly receiving threatening/harassing phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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 was in a car accident and the vehicle was totaled. There was a balance on the car loan, however Capital One agreed to a lesser amount. My credit report is stating that I have never made a payment when indeed I have NEVER missed a payment since the accident. I attempted to dispute this but was unsuccessful. Both Capital One and XXXX are saying otherwise. I will submits all bank statements dating back to the accident to prove that the money comes out of my account every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: Cottonwood Financial Ltd.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
My truck was stolen in XXXX, which had my purse, my checkbook and all money I had on hand. Went to the cash store and asked to do smaller payments instead of XXXX every two weeks, was told there was no way to do that. Asked if I could pay a XXXX a week until paid off was told no that I had to have the XXXX every two weeks. I have no way to pay for this when I am still having to pay all the other bills, on top of that had to buy plane tickets to get home from XXXX, plus extra nights in hotel to wait for police report, XXXX  XXXX  etc. didnt wan na leave XXXX without knowing for a fact I wouldnt get my truck back. I had to close my accounts to all banks and credit cards. I just needed them to work with me, since they wouldnt I couldnt put the loan like they wanted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: ONLINE Information Services, Inc.
State: OH
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:
This complaint is regarding the $ XXXX bill from XXXX XXXX XXXX XXXX XXXX , Ohio address on XXXX XXXX XXXX XXXX in XXXX. 
This was an apartment complex I was living in up until XX/XX/2018. I was moving to another city and the new tenant was moving in to my apartment. The property management company had assured me the utilities would be changed over to the new tenant at the start of her lease. 
This did not happen until two months later and now I'm seeing this bill on my credit report and can not get it off. My complaint is not that it's a fraudulent bill, but rather tht I never received the bill at the correct forwarding address. XXXX and Online Collections both claim to have sent the final bill to an ( incorrect ) forwarding address in XXXX. 
Not living at the address they sent it to, I never received the bill or knew about it. 
My complaint is NOT that XXXX should not bill me for the mistakes of the property management company, but rather that they should have mailed the final bill to the correct address so I could have resolved it and gotten it paid before it hitting collections. 
I'll gladly pay XXXX at this point if they're able to completely remove the bill from collections. But it's not right that because they sent the bill to the wrong address therefore my credit report is being punished. I've had no luck speaking with managers of both the Online Collections  and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello, Over the course of few months, I have disputed this debt with this company with this company sending the information back to XXXX  as verified. Both XXXX  and XXXX has successfully investigated this debt collection and successfully deleted it off of my credit profile.

I do not have a signed contract nor any contract with this company. I am not liable for collection from this debt. I am not responsible for this debt.

I have sent over a police report on several occasions along with supporting documents that this account don't belong to me.

Again, both XXXX  and XXXX  has stopped reporting this debt on my profile yet, this company is still verifying it with XXXX.

Company response to consumer: Closed with explanation