BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-02
Company: Shellpoint Partners, LLC
State: MO
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Delays in the application process

Complaint:
On or around the last two weeks of XXXX XXXX at NewRez initated my request for a Home improment loan on my Home The dollar value is {$280.00} no equity debt. XXXX, for some reason is not responding. Today is XX/XX/XXXX  the request was a kind of emergecy because it involved A/C & Furnace Qoutes with two contractors. The heat is immense but she willnot return my call. Now there are other lenders involved but I Didn't want outsider in the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: CORELOGIC INC
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Pursuant to 16 CFR 313, I am to be mailed every XXXX days an 'opt out " notice from each company that is reporting to the third party credit reporting bureaus . XXXX, XXXX, XXXX, XXXX XXXX and any other third party vendors. I have not been provided with XXXX " opt out '' notice. The credit bureaus are only allowed to report that I have an account. No transaction history-No Balance or Limits are to be reported. The only thing that can be reported is that I have an account. Also pursuant to 31 USC 3123 all public debt is a government obligation and should be discharged dollar for dollar pursuant to HJR 192. Pursuant to 15 USC Sec. 6801-6805 also states as a consumer I have a right to privacy and each company listing transaction history, balance or credit limit history is a direct violation of my privacy. To list anything other than having an account with a financial institution is a violation. 15 USC Sec. 1666 ( a ) -A creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing.

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 2019-12-07
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Someone stole my wallet and used my PayPal card fraudulently. My paycheck is direct deposited to that account and when I went to check the balance that morning it was almost empty. I called PayPal and reported my card stolen and disputed the charges and I clearly want the one who made the withdrawal because I was asleep when it happened, PayPal denied my claim and said the charges was accurately made

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07
Company: FIDELITY CAPITAL HOLDINGS, INC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
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 XXXXCorporation Thats the link to their business. They are closed down and have done this to many others. This is not a debt I am aware of and every month it increases by {$1.00} or {$27.00} its very random. I try to dispute but nothing ever happens.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
FCRA viloations not my XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$6300.00} Status Account charged off. {$6300.00} written off. {$6300.00} past due as of XX/XX/XXXX. 
XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$2200.00} Status Account charged off. {$2000.00} written off. {$2200.00} past due as of XX/XX/XXXX. 

THE XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1700.00} Status Account charged off. $ not my address XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX TX XXXX Resident type Single family not my phone number ( 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 2019-12-07
Company: Pro Com Services of Illinois, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried to get pro com services to delete an account off of my XXXX XXXX and XXXX  credit reports the amount is {$360.00} for power company. There own representative pro com services said the social security numbers do not match mine nor does the address where I lived. They pro com services have never sent me proof showing the bill is mine and have refused to remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
There is a collection account reporting on trans union that I have provided information for showing I do not owe for this account. The items previously purchased were returned and I received an email from customer service of the company that I would not be turned over to collections. I have asked for Tansu ion to remove this collections account and provided proof with the email from the original creditor however the collection account has not been removed.

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 2019-12-07
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
They keep changing the payment Amount every month on me one time its {$27.00} next time its {$45.00} then its {$55.00} Now theyre trying to tell me to pay {$79.00} theyre charging me a {$38.00} late fee every month I have every month on the 3 of the month told them. Charge me {$95.00} in interest fees  this account is closed my balance two months ago was {$580.00} now theyre saying balance due was {$630.00} last month XX/XX/2019 XX/XX/2019 bill theyre saying I owe {$730.00} this is gotten out of hand and it is ridiculous I have called and complained this company multiple times and they havent done nothing but racked me up more charges on a card that I closed. I want my payments cut back down to when they were only {$27.00} a month I want credit on my bill I only owed {$580.00} in XX/XX/2019 at this rate Ill never get this paid off because they keep racking up charges I will pay {$30.00} a month I get paid on the XXXX they will receive there money no later than the seventh I want to bill change to the XXXX of every month

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 2019-12-07
Company: SYNCHRONY FINANCIAL
State: NJ
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:
the complaint was about my Paypal online credit card account sent to collections, the type of an issue that I'm having with the company paypal is unsolved and unsatisfied its an issue with my paypal account so what happened the paypal credit dispute or fraud team associates use there authority to recharge my  account after they have giving me a XXXX credit, they and charged back XXXX plus a recharge fee of XXXX which totals up to XXXX now they assume that there expecting me to pay all in full and if not paid within 21 days they will close my other credit card accounts that are in good standing I never had an issue with them paying my account I have always been on time never been late paying my monthly payments.so just to let you know that the paypal fraud department team and collection department is all involved in wanting a full pay of XXXX when the charge was maid online through paypal. this is unfair and should be handled in a fair manner with out prejudices and have this department contacted and directed to do the fair and righteous thing to solve this problem in a fair manner. thank you sincerely.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 2021-02-28
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Requested a credit card though XXXX XXXX, I am not upset about being denied ; however, I am upset about the reasons for denial and credit score reported by Synchrony Bank. 1. Multiple changes in phone numbers. I moved all my accounts to my cell phone ; because now all my creditors want to send text alerts or prefer a cell because my house phone doesn't provide these services. 2. Synchrony Bank states my credit score is XXXX, I monitor me credit score with all financial bureaus and my lowest score is XXXX mainly because I just refinanced my home to get a lower interest rate. I am never late, behind or mss any payments. I filed bankruptcy in XX/XX/2017, because my rental property in Florida was trashed by my tenants and the cost of repairs exceeded the value of the home, I still owed more than the value of the property. So because of that yes, I am in the process of rebuilding my credit and doing rather well at it. What I am angry at the most, is where did Synchrony come up with XXXX. They are upset, that at the time I filed bankruptcy, the courts wiped out all my credit cards, 3 of which were backed by Synchrony Bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Towards the end of XXXX, 2022, 2 mobile deposits were made into my account. I called USAA and flagged them as fraud with their service representatives. On the following Monday, I called back because my application on my phone was not working. I was transferred to a lady who said that I deposited the checks that were fraudulent and am responsible for all the funds while USAA was exercising their right to discontinue my banking. They took my XXXX XXXX check and refuse to talk to me. I have been hung up on NUMEROUS times. They say I need to be verified before answering any questions but I have been completely deleted out of their system. I received a bank statement in XXXX or XXXX saying they still owed me a small fraction of the money they took from me. Everytime I call about my refund I get hung up on. The physical location is in another state. I can not just go talk face to face. I have asked numerous times for copies of the checks to see where they came from and the signature on the back. I have yet to receive anything after 5 Months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX XXXX later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX XXXX gives a reason to immediately remove those items from my credit report. It has been over XXXX XXXX so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXXXXXX XXXX XXXX and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-25
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: Reporting company used your report improperly

Complaint:
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 XXXXXXXX, 15 U.S.C 168 ; c ( a ) ( 5 ) Section States no consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 SECTION 602 A. States I have a right to privacy.

( 2 ) In accordance with the written instructions of the CONSUMER to whom it relates.

15 U.S. CODE Subchapter III CREDIT REPORTING AGENCIES ( a ) Duty Of Furnishers Of Information To Provide Accurate Information ) A ) Reporting information with actual knowledge of errors, A CONSUMER to any consumer Reporting Agency if the PERSON knows or has REASONABLE CAUSE TO BELEIVE THAT THE INFORMATION IS INACCURATE.

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 2021-11-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio Recovery at XXXX XXXX XXXX, XXXX, VA XXXX has been sending collection notices for 3 separate accounts in the amounts of {$2100.00}, {$2400.00} and {$2500.00} respectively. The collections have been reported as a past due balances. I do not know this company and I have never done business with this company. Portfolio Recovery does not have a contract with me with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: Convergent Resources, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I spoke with a representative named XXXX from the Fraud Department of XXXX Credit Bureau, who was very rude, I stated to him the debt has not been validated. However upon reading the response from the company, I never received a packet to the address on file to complete and return. I was also made aware today the debt was verified. If the Company can send it via email to XXXX so that I may fill out the packet for completion stating its FRAUD. Under the FDCPA I do not have an obligation to pay a 3rd party ( Convergent Outsourcing ) who does not own the debt originally. If the company can send me the documents with a WET signatures that I made a agreement to pay the alleged debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: Kikoff Inc.
State: NH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed this twice now and have gotten the same result and the company is kickoff i dont even know or should say didnt know what the company even was until I XXXX  it. First off I never signed up or purchased anything from this site and the things they did purchase arent even anything I would buy in a million years nor would I take the time out of my extremely busy life to send disputes twice. Its a pain and the date they are saying I apparently purchased this was XX/XX/XXXX  and I never did. The same thing happened with my account at XXXX someone purchased items under my account and had auto shipping to them but that was cancelled I caught them before it landed anywhere else. I would like this taken off my credit report the last thing in need is another negative against my credit report considering Ive already got enough debt and my auto loan on my report and Im not going to take responsibility for someone elses scandalous selfish behavior.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I opened my Sony Visa account with XXXX XXXX in XX/XX/XXXX and have maintained it in good standing ever since. It was recently brought to my attention that someone had possibly taken over my account by adding authorized users who I did not know. I had contacted XXXX XXXX and they placed a hold on my account. In the meantime, I received a card from Comenity Bank saying that they were purchasing my account. I only received one card, so I assumed that the issue with the additional authorized users had been resolved and the new card number was the replacement for the card number that had been compromised. I activated the card on with Comenity when I was able and registered with their website. The account showed that my available credit was {$0.00}. I contacted their web support and was advised that my account was closed. I called again today ( XX/XX/XXXX ) and was advised that my account had been closed by XXXX XXXX and that it did not qualify to be reopened. I had been using my account as recently as XX/XX/XXXX and was given no notice by XXXX XXXX that my account had been closed. I have managed the account for nearly 5 years in excellent standing, yet the sale of the account from one bank to another appears to have lead to my account being closed without reason. I want whatever happened in the conversion to be fixed so that the account I had at XXXX XXXX is the same account at Comenity. I want Comenity to carry the open status of my account from the previous issuer to their system. Their lack of conversion expertise that caused my account to be closed in their system is unacceptable. I would attach a screen print of the account reporting from Comenity, but they have not reported my account in any status since they purchased it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In years past I had a security freeze on my trans union credit report that I didn't initiate and it took many attempts before removing the notice or freeze

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: BSI Financial Holdings, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
After the last complaint that was submitted on XX/XX/XXXX  the company stated that I was paying late but went and removed all late fees and negative remarks from my credit report. But yet they constantly practice this every month of reporting that I pay my mortgage late and report it late to the credit bureaus and then I find that they have been charging fees and reversing them out but they are still showing that they have been paid. What are these fees for? I also, found out that they have been over charging me on my taxes and escrow. I live in the state of Florida and I'm a XXXX veteran that has a homestead exemption. I believe this company is scamming folks while ruining their credit at the same time. I entered into an agreement to have my mortgage without out of paycheck every two weeks and they need to honor it and STOP this madness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: Security Credit Services, LLC
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation