BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-12
Company: Holloway Credit Solutions
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2019 I contacted XXXX XXXX XXXX where I had previously received an XXXX XXXX  and purchase eyeglasses. My eyeglasses were stolen and I called the day before to set an appointment. I told the Receptionist that I got slapped by another XXXX XXXX and his fingernail scratch me in the XXXX. She suggested I see a Doctor upstairs instead of going through the doctor on the 1st floor that exam my XXXX  back then. She asked me did I have Insurance and I told her yes with XXXX XXXX XXXX XXXX. When I arrived the following morning they told me that the Doctor did not accept XXXX XXXX XXXX XXXX and I needed to go to their Emergency room. I went and 2 Doctors exam my XXXX  and said everything was fine, the receptionist took 2 insurance cards from me, one Was XXXX and the other was XXXX XXXX XXXX XXXX. I never committed to self-pay for an exam that I normally get free at XXXX XXXX XXXX  where I now have my eyeglasses. XXXX XXXX XXXX committed Fraud by charging me {$770.00} for an XXXX XXXX and placing it on all 3 of my Credit Reports. I contacted the Debt Collector Holloway Credit Solutions for the Dispute process and they still put it on my Credit Report. They both are in Violation of The Fair Credit Reporting Act and are liable up to {$1000.00} each on all reports in State and Federal Court. I am also a XXXX XXXX, a XXXX XXXX XXXX for The State of Alabama. Due to the collection on my Credit it is prohibiting me from borrowing money from my 2 Credit Unions for funding for my XXXX XXXX XXXX  to purchase XXXX. Right now that amount total is XXXX XXXX  they are responsible for me not getting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was charged three overdraft fees because the bank stacked my transactions. This resulted in three transactions I made on Monday, XX/XX/XXXX being posted after a larger transaction I made on Tuesday, XX/XX/XXXX. Because the bank moved these transactions, that were posted before the Tuesday transaction, to appear to have posted after the larger Tuesday transaction I was charged 3 unnecessary {$35.00} overdraft fees. Today, when I asked for a refund, the bank told me I could get a courtesy refund of 75 %, but I am not asking for a courtesy. Just that the bank gives me back what was wrongfully taken from me.

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 2020-05-10
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Once again, Nationstar Mortgage DBA Mr. Cooper has misapplied my monthly mortgage payment. I pay extra every month so that I can get the mortgage paid quicker, however, Nationstar has a habit of applying the extra payment to my next month 's payment and advancing the due date instead of doing what is clearly stated in the payment instructions on their website, which is to just pay extra to the principal. I have had this corrected by Nationastar in the past, however, it seems as though it is policy on their part to continue to misapply payments in an effort get extra interest income instead of correctly applying the payment. Granted, they generally do fix the problem, but only if they are called out on their mistake. The CFPG should verify whether I am the only person they are doing this to or if there are others as well. I have attached a history of my loan showing the mistake they made on XX/XX/2020 and the previous mistake that they corrected from XX/XX/2020. The same error was made both times, the misapplication of my payment by advancing the due date, when I wanted the additional funds to go to principal only. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
After viewing my credit report. I saw that there were multiple fraudulent accounts. I have reached out to the credit bureaus for help and there has been no relief.

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 2020-06-25
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2020 at XXXXish I received a call from Comenity Bank and spoken to them about some debt I have. 5 minutes later I received a call from a family member saying they were contact by them as well around XXXX. This Family member has no right to my info and isnt on none of my paperwork so they have broken the fair credit act with me and I will like to know whats the next step to be taking.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: Specialized Loan Servicing Holdings LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a mortgage that is currently being serviced by Specialized Loan Servicing. I have been in default for some time. Originally I tried to work  with them to obtain a loan modification but the continuously were missing paperwork or they were always asking for additional information after I had already provided that information. 
Needless to say ; I gave up and presently I am trying to complete a short sale. 
I have had the property on the market with a very reputable and knowledgeable broker for 18 months. I have an experienced attorney working with the bank to assist with the short sale transaction. We have presented THREE offers to Specialized Loan Servicing throughout this 18 month period. Specialized Loan Servicing continues to reject this good faith offers and continues to OVERVALUE the property. My broker and my attorney both have worked in good faith with Specialized Loan Servicing. The property was shown to prospective buyers many many  times and all offers have been submitted to them ; but they continue to obstruct our ability to complete this short sale. I have no financial incentive to complete the transaction because I have a chapter XXXX discharger ; but I want to the right thing and avoid the foreclosure. However, despite the good faiths efforts of a knowledge broker and experienced attorney ; we are still being obstructed by Specialized Loan Servicing. I want SLS to approve the current short sale as this amount has been the HIGHEST amount we have EVER received for this property. The property was built in 1860and is severely outdated. Please help me.

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 2019-01-31
Company: EQUIFAX, INC.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Equifax has fraudulently allowed XXXX XXXX XXXX XXXX to report negative information on my credit report. I have filed a complaint with the FTC and the law enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I told these people by phone, not to call me ever again about three months ago. I also reminded them of the law that makes it illegal to repeatedly call and harass, after they have been told to stop. They asked me to send them a signed, written notification, which I did. I told them I was aware of the debt and would start paying as soon as I could. They continue to call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-23
Company: Experian Information Solutions Inc.
State: PR
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 request to EXPERIAN to verify the two accounts listed on my credit report XXXX and XXXX XXXX   they said that they contact XXXX and asked them to verify the accuracy of the information with which I disagree. XXXX  SUPPOSEDLY responded and verified that the disputed information was accurate as reported .I contacted XXXX  and they effectively removed the two accounts from my records. I have supporting new documentation regarding the disputed information, See attached letter below

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 2021-03-30
Company: Resurgent Capital Services L.P.
State: MI
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 have nor have I ever had an account with LVNV FUNDING LLC. 
I have repeatedly disputed this account. This account was removed and then reinserted into my report without notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX this is a paid account and closed with a XXXX  balance. Per FCRA if an account is paid in full current payment history is reported. Ive sent dispute letters to all three credit reporting agencies to remove the payment history that is more than two years old. It is still being reported incorrectly and I haven't received any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: Asset Management Outsourcing, 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:
I mailed in certified letters for the credits & collection company to  validated debts they claimed I owed. XXXX Dispute Results claimed the debt was verified. Per the Fair Debt Collection Act, a consumer has the right to dispute inaccurate information on their credit report, the company and collection company has 30 days to prove the debt is accurate with proof. XXXX, and XXXX XXXX XXXX has failed to prove proof within 30 days from the date of my certified letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: Experian Information Solutions 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:
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 non-monetary relief
Consumer complaint received 2023-01-21
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Someone is using my info to open and use a XXXX XXXXXXXX XXXX  credit card. My credit has always been outstanding and in the last 60 days its dropped hundreds of points due to this credit card claiming I am delinquent on a debt I do not owe. I do not have a XXXX XXXX XXXX  credit card and would like for this matter to be investigated. I have made a fraud claim with them directly and am now making a fraud claim with you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Purchased XXXX XXXX gift card for {$150.00} on XXXX  ( I have register receipt ) at XXXX in zipXXXX. to give as XXXX gift but did not gift it. I tried to use card in XX/XX/ and there was no money in card.. I have been working on this with visa, capital one, my bank and their XXXX  and XXXX advisors since then. They point at each other as problem. I paid XXXX with my capital one card ( whch I have closed and destroyed ). They in turn paid XXXX and XXXX paid XXXX I have copy of emails going back and forth. 

Since I paid capitalone.walmart for the visa card, I hold them responsible for the bogus card. So I paid off my cap1 card but withheld {$150.00}. I believe they should get money back from XXXX XXXX who after all got money they did not earn. 

Cap one in turn has damaged my credit rating which was near excellent XXXX. I dont need {$150.00} but I wont be cheated!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Hi, I am submitting this complaint to you because I give up fighting with TransUnion about inaccuracies and negative informations they are reporting on my Credit Report. I did online dispute, I mailed letters but nothing is done properly. First all, it is about my personal information i mean my name. I tried to contact Transunion several times by phone and by mails in order for them to correct my name. One of their representatives told me that they couldn't fixed, I need to banks who are reporting my name incorrectly with a suffix " XXXX ''. I asked him to give me the name of the banks so I can personally contact them and fixed it. He refused! I feel like they are reporting someone else which is not me. My name on my all official documents is : First name : XXXX XXXX initial : XXXX  Last name : XXXX By officials documents I mean my SSN card, ID, Birth certificate and XXXX XXXX. I have never used a generation name, suffix or other names to get a Credit. I don't know where did they get : XXXX XXXX XXXX. This is Wrong! On my XX/XX/2020 I sent TransUnion several letters asking them to investigate about negative items showing on my credit report and inquiries. It took them about 2 months to investigate and they didn't delete anything. They updated as verified! On XX/XX/XXXX I sent them another letter about their Method Of Verification under FCRA 611 ( a ) ( 7 ) ... Until today I have never heard anything from TransUnion. I called over the phone and nobody there seems to be helpful. For inquiries they told me to contact all companies by mails. All letters I sent to the companies were returned to me. Please help me resolve this frustrating issue. I am tired getting denied for Credit applications.

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 2021-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Please remove inquires on my credit report immediately as this is fraudulent. I attempted previously without success.

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 2020-03-27
Company: Experian Information Solutions Inc.
State: PA
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:
I have filed a dispute in regards to the incorrect information that's on my credit report. Which relates to late payments. It has been well over 30 days, and I haven't received any investigation results. Listed below are the dates and amounts. 

Credit Bureau : EXPERIAN AND XXXX  XXXX CARD XX/XX/2019 XX/XX/2019 $ XXXX  Monthly Payments XXXX XXXX XXXX XXXX XX/XX/2019 XX/XX/2019 XX/XX/2019 $ XXXX  Monthly Payments XXXX XXXX XXXX XXXX XX/XX/2019 XX/XX/2019 $ XXXX  Monthly Payments XXXX/XXXX  XX/XX/2019 $ XXXX   Monthly Payments

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 2020-10-10
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experiana website does not work. 


I had an experian pin. Their website is broken. And now my credit is frozen and I can not unfreeze it. 

I Unfroze my credit I tried a temporary unfreeze. The website kept telling me to enter a pin even when I had done so. 

Finally it worked with a permanent unfreeze. 

But I could not enter a pin to freeze it again. The same errorit kept telling me to enter a pin even though I did. 

Finally it worked but the error meant the website generated a pin, I think. I do not know that pin now. My old pin does not work. I dont know the new one. 

The website will not let me obtain my pin. The option that allows me to obtain a reminder sends me to a order form for a paid credit report. That is an error obviously, but it means I will have my credit frozen forever! 
-

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 2020-10-10
Company: Square Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Square doing business as Cash App refuses to do anything to enforce their own nobody under XXXX  can have a cash app account. After finding out our underage XXXX years old daughter has a cash app account, she has opened yet another one using the phone number XXXX. 

We complained about this in XXXX and Square admitted that they had no way of enforcing their XXXX year old and older only policy. Somehow banks and other financial institutions are able to do so ( by requiring a social security number ). Makes me think that Square is deliberately encouraging underage kids to use it. 

When is the CFPB going to take action? Isn't the agency supposed to protect consumers? 

And do you know what kids are using Square and Cash App for? Drugs. We found that the Cash App user ids XXXX XXXX and XXXX are selling XXXX, XXXX  XXXX, XXXX  XXXX, etc. Way to go Square! 

Here 's a list of other user ids : 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  ) How long is Square going to allow this to happen? How long is the CFPB going to let Square allow this happen?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: CCS Financial Services, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Credit Collection Services has been harassing me and continuously violating my rights via phone and mail under section 15 US 1692 under the Fair Debt Practices Act. I have enclosed an invoice in the amount of {$12000.00} to be paid via check for 12 violations. I have included my affidavit of truth along with the exhibits that highlights these violations. I also have sent this affivdavit of truth along with invoice via certified mail to Credit Collection Services. This has caused me mental and physical distress and insurmountable pain. The certified return receipt was received on XX/XX/XXXX at XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX on 2020 I reached a settlement agreement with Synchrony Bank in regards to my Care Credit account. The agreement was set to be paid off in three installments. The first two payments went through no problem. Then with the third Synchrony never attempted to pull the payment. The money set in my escrow account for 30 days and then was defaulted back to me after Synchrony Bank opted to never pull the final payment. I contact Sychnrony to find out why they never pulled the last and final payment and got a new story each time. I have tried to make the final payment as we agreed upon but they will not take it. The original settlement defaulted since they back out of the agreement, and now want to re settle for and additional {$3500.00}. I have been advised that these deceptive practices are common with Synchrony. I have provided them the information from my bank saying the funds were waiting for them, I also have the payment confirmation codes. However, they will not budge. I want the original settlement to be upheld, and to make the final payment, again, so that I can be done with this horrific company. They have recorded every conversation I have had with them and those recording will prove that each time I talked with them I received a new story. There have deceptive practices and policies and should not be allowed in business.

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