BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
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 was shocked when I reviewed my credit report and found late payment on the payment history from your company. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: Commonwealth Financial Systems, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to you to complain about Common Wealth Financial Systems XXXX XXXX XXXX, XXXX XXXX, PA XXXX. I have found adverse account information listed on my credit reports, XXXX, XXXX  and XXXX. I have no known or verified accounts with this business and after repeated verification request Common Wealth Financial Systems has not responded to my certified letters and continue to report to the three major credit bureaus in violation of federal law. This company unlawfully reported to XXXX, XXXX, and XXXX  as recent as XX/XX/2019. Common Wealth Financial Systems has continued to damage my credit rating and has caused me denial of credit by reporting inaccurate information to the three major credit bureaus. The erroneous account is in the amount of {$1100.00}. The account is erroneous and not a result of any transaction that I have made. It is inaccurate and unverified and remain on my credit report causing adverse actions as well as denials of credit and adequate housing. I attempted to contact Common Wealth Financial Systems multiple times via registered USPS certified mail with return receipts which prove Common Wealth Financial Systems has blatantly ignored my attempts resolve this issue and they have not responded to my requests. Common Wealth Financial Systems has misrepresented this account by changing various account information, such as account number and account type. This account has been blocked from my credit reports with all three major bureaus in the past due to identity theft. This is the reason they are changing various account information. I know Common Wealth Financial Systems is well aware of my identity theft status and they are in receipt of my most recent documentation they received with signature conformation on XX/XX/2019. This is in violation of Federal Law and my rights as a consumer. Please contact me to let me know how to resolve this issue. This has been ongoing for over a year with this company and enough is enough!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: Convergent Resources, Inc.
State: NY
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:
while looking on my credit monitoring site I noticed it was two accounts that do not belongs to me they are 1.convergent outsourcing in the amount of {$470.00} 2.XXXX XXXX   XXXX  in the amount of {$450.00}

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 explanation
Consumer complaint received 2021-11-27
Company: EQUIFAX, INC.
State: DC
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:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like XXXX being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I saw an add for the Amazon Synchrony Credit Card while looking at making a purchase. The advertising said that I could sign up for the card and use it to make the purchase with a payment plan. I signed up for the card and was unable to use the card for 7 to 10 days. I was told to contact synchrony to obtain assistance and there was no available help.

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 2020-05-22
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I had a charge for a recurring service with XXXX XXXX ( XXXX Texas ). After the park had stopped operation due to health concerns and regulations, the merchant continued to charge my account. Prior to the park closing, as well as after, I repeatedly tried to get the merchant to stop charging my card. I never ( as of XX/XX/2020 ) received a response from all of the given options to contact them. I then reached out to their online national chat support and was told that the parks are responsible for, and manage all memberships, and that national chat support can not. After a couple of class action lawsuits were filed XXXX XXXX set up an automated system to 'pause ' account until the parks re-open. That has paused the account going forward as a temporary solution. I requested Venmo to investigate the matter as I was no longer authorizing the merchant to charge my card. Venmo then requested more information all of which I sent as a reply to the email as was requested. They declined the complaint citing the requested additional information was never provided. I reached out to them again stating I did provide the information. They asked me to upload it a different way to re-evaluate. They then requested 'more ' information again most if not all was repeated questions with different wording. I sent that as well though. Again I was told I did not reply and the case was again declined. I reached out a third time and again was asked to upload the information a different way. I received confirmation they had received it and that the team would reply within 3 business days. I have received no response from either the person that forwarded the information to nor the 'team ' and it has now been over 3 days. I started this process with the actual date of XX/XX/2020 as the case opening and have yet to get either a reasonable and justifiable explanation as to why they feel XXXX XXXX was correct to charge the card, or a chargeback to the merchant. I have now requested an update from Venmo as well but feel that the roundabout information and claims that Venmo has made are improper to say the least. I would appreciate any support that can be provided regarding this matter with either the CFPB or the merchants involved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-08
Company: Radius Global Solutions LLC
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am receiving phone calls of harassment, obscene, profane and threatening language from Radius Global Solutions LLC for an account # XXXX from XXXX XXXX XXXX XXXX for {$84.00} and thats not my account and is the result of identity theft. Radius Global Solutions is in complete violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal law.

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 2018-09-23
Company: ResidentCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ).

The statute of limitation in Texas is 4 years. The original debt is over the statute of limitation for this debt to be collected on.

Texas Surety bond information as required by Sec. 392.101, this creditor is does not hold a surety bond in the state of Texas as required ( see attached ). Per the code, this a violation punishable by {$10000.00} per occurrence. A complaint has been filed with the Texas Attorney Generals office. I request my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note Transunion, Experian, and Equifax are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).

Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$3100.00}, {$4900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened oXX/XX/XXXX with a balance of {$3100.00} -This is not my account. 

3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not 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 2021-02-08
Company: WELLS FARGO & COMPANY
State: AK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am writing to ask for your assistance with an issue that we are having with XXXX  XXXX XXXX through Wells Fargo. 

Our loan is backed by XXXX, but serviced through Wells Fargo. In XXXX we applied for and began a three month forbearance. On the Wells site it indicated that we would be able to delay the three months of payments and add them to the end of our mortgage. The exact thing that we have heard through the news. There was no indication that XXXX loans had different rules. 

After three months of forbearance, we were able to adjust our finances. We asked to resume our payments, and in XXXX began making our normal payments. Online we indicated we wanted to add the payments to the end of the loan. Also, a Wells representative called us and we established that we would be adding the payments to the end of the loan. 

A couple months later, we started getting paperwork and phone calls indicating that XXXX had different rules and would not add the payments to the end of the loan. They indicated we needed to pay the entirety of the three months of payments. This obviously would not be possible for us. 

We received in the mail an appraisal that Wells had ordered for our house. They requested copies of our taxes, pay stubs, and bank statements. Although we did not understand why they needed them, we submitted all requested documents. In XXXX we received even more document requests. We are not sure whether they are proving we make too much, or not enough for whatever they are working on. They insisted multiple times that it was XXXX that wanted the documents. The XXXX representative stated it was not their request. 

In the ten years we have had our mortgage, we have never missed or been late on a payment. On the thirteenth, we will be in " default '' as the documents they are now requesting don't even exist and we won't be able to provide them. Things as silly as they want a " Wet stamp '' rental contract versus the digitally signed contracts we use for our tenants. 

We have requested a copy of the online agreement and phone conversations with Wells representatives, but they have never sent it. 



Thank You, 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 2018-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have recently just started attempting to obtain credit, when i go to get any form of credit ( credit card, loan, etc. ) The credit bureaus come back saying that my SSN was issued before my date of birth. They say it was issued in XXXX instead of XXXX when I was born. I went to the social security office here locally and talked to them and they confirmed that my social security number was indeed issued in XXXX not in XXXX so it is a credit bureau issue. I have attempted to contact the different credit bureaus about this issue but i have had a lot of trouble contacting them. It is very confusing and troubling trying to connect with a real person and their websites arent any better. I really need to get this credit figured out ASAP and its frustrating. The credit bureaus have my info incorrect and I am unable to contact them.

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 2018-09-23
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CommonWealth Financial, is attempting to collect a debt that I have asked for verification for and they have not supplied. They are stating via telephone that this debt is from 2012, and they are just now placing it on my credit report. I notified them that I am unaware of this debt, and In the state of New York anything placed on a persons credit report after 6 years is invalid because it's past the statue of limitations. I also looked up CommonWealth 's license to collect in the state of Florida, which is where I reside, and there license to collect in this state has been revoked. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Credit reporting, credit repair services, 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:
I am a victim of identity theft. My office was broken into and several ID documents were stolen. I filed a police report which I have attached to this complaint. Several inquiries were made online without my approval or authorization which have now negatively impacted my credit report. The following inquiries on these dates were not authorized by me : XXXX Date : XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a TD Beyond Checking account with TD Bank , N.A . on XX/XX/XXXX, which promised a bonus of {$300.00} if I made cumulative direct deposits of {$2500.00} within 60 days of opening the account ( i.e. NLT XX/XX/XXXX. ) I made the required direct deposit ( from my federal pension ) on XX/XX/XXXX - fulfilling the requirement. Per the terms of the offer the {$300.00} bonus was to have been deposited in my account NLT 140 days after the opening of the account ( i.e. XX/XX/XXXX. ) This did not occur. 

On XX/XX/XXXX I contacted TD Bank customer service ( via phone ) spoke to XXXX and enquired as to the delay. Over the course of ~ 45 minutes she put me on hold 5 or 6 times to confer with other staff, initially could not find or confirm the terms of the bonus agreement, ( eventually ) confirmed that I had met the terms of the offer but could not explain why I had not received the {$300.00} bonus. She indicated that she had forwarded the case to fulfillment staff, said I should see the bonus in my account by the following Tuesday ( XX/XX/XXXX ),  and ( in lieu of my request for a confirmation number to identify my case ) she said that she would annotate my account with the details I had provided so I would not have to repeat them to another customer service representative. 

When the {$300.00} bonus did not appear in my account on Tuesday ( XX/XX/XXXX ) I called TD Bank again and spoke to XXXX. She told me that my account had NOT been annotated as promised, and we spent another ~ 40 minutes as I explained the history of my account and XXXX put me repeatedly on hold as she consulted with other staff. Eventually she told me that my account would be reviewed over the next fulfillment cycle ( which she estimated as 3 - 4 weeks. ) I told her that this was unacceptable and that I would be filing a complaint with the CFPB and the Controller of the Currency about TD Banks failure to honor the Bonus Offer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-08
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX, I used Paypal to send a payment to purchase software from a company called XXXX. XXXX ripped us off and I disputed the charge through Paypal. We received a refund. Mysteriously, on XX/XX/XXXX I was charged ( 2 ) charges from XXXX for {$49.00} and {$79.00}. I did not authorize these charges. I reached out to XXXX at XXXX XXXX XXXX XXXX XXXX which is the number on their website. They do not receive calls. They only have a recording that says no one can take calls. There was a number in the Paypal transaction that I tried to call XXXX XXXX also with no success. Paypal closed the case with the response of : The payment in question was sent as part of a billing agreement you previously set up with the merchant. 
We've now canceled this agreement for you to prevent any other unwanted transactions. Moving forward please be sure to review all your active billing agreements. If you need a refund for a payment sent using an active billing agreement, please contact the merchant directly. 

First off, I do not know what a billing agreement is or that one existed. Secondly, if this was linked to the rip off purchase last year, then why did no one terminate the billing agreement when I received a refund last year? 

Paypal has put this situation in my lap saying I must contact the merchant. The merchant is impossible to contact. I want a refund for these charges. I did not authorize them. I did not authorize a billing agreement. I do not want XXXX 's software that they already ripped me off on once. We already had a battle with XXXX last year and was awarded a refund by Paypal. Paypal should have never authorized them to ever charge me again. 

The claim number is XXXX. Paypal declined to process the refund claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-01
Company: ERC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not owe this debt to this company. I was only made aware when it showed up on my credit report. The company could not show proof that the debt is mine. I have no knowledge of this debt and have never had any dealing with this company. The company couldnt provide the debt {$500.00} details. I refused to give out my personal information to them.

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