BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-05
Company: SYNCHRONY FINANCIAL
State: FL
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:
A few months ago after reviewing copy my credit report I discovered account that appears to be charged off from XXXX XXXX XXXXXXXX XXXX . I reached out to creditor to advised them I have know knowledge of opening XXXX XXXX store card. I requested creditor validation validity of account by providing me with copy photo identification they obtained when account was open to verify identity of person that open account. XXXX XXXX has yet to mail any of the requested information. 

Today XX/XX/2018 @ XXXX XXXX I made one last attempted to resolve issue with XXXX XXXX and I decided to give them a phone at XXXX. I spoke with a representative that advised me that XXXX XXXX had sold account back on XX/XX/2018 to XXXX XXXX. 

XXXX XXXX has failed to provide me with at evidence to validation the validity of account prior to selling fraudulent account to third party collection agency.

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 2019-05-09
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I sent the below six transactions through PayPal to pay my contractors. The total value of payments is over {$27000.00}. 

None of the payments have been released to my contractors nor has PayPal responded to any of my complaints despite repeated assurances to the contrary. PayPal also won't allow me to cancel the payments and pay my contractors through other means. 

Additionally, PayPal informs me they may hold the money for six months. That's outrageous. If they're not going to forward the payments then I should be allowed to cancel the payments and have the funds returned to my account. Otherwise, if my contractors aren't getting paid, then I'm out of business. 

Thank you for any assistance. 

Transaction ID : XXXX {$2200.00} Your recipient should have the money by XX/XX/2019 Transaction ID : XXXX {$8200.00} Your recipient should have the money by XX/XX/2019 Transaction ID : XXXX {$2100.00} Your recipient should have the money by XX/XX/2019 Transaction ID : XXXX {$8300.00} Your recipient should have the money by XX/XX/2019 Transaction ID : XXXX {$1900.00} Your recipient should have the money by XX/XX/2019 Transaction ID : XXXX {$4600.00} Your recipient should have the money by XX/XX/2019 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/XXXX I ordered 120 checks from Bank of America delivered to my address. The tracking information indicated that the checks were delivered to my address on XX/XX/XXXX. The checks never came. On XX/XX/XXXX, I contacted Bank of America to void the checks. The representative declined, stating that they could only issue a 12-month stop payment on the checks, after which they could be used by anyone who had access to them. I would then be able to issue another 12-month stop  payment ( assuming that I remembered in a year that I had these checks floating in the ether through no fault of my own ) for a {$30.00} fee ( again for a problem that occurred through no fault of my own ). I said that I wanted the checks voided. They declined. I asked for the situation to be escalated to someone higher up. The representative declined, and instead offered that I could also close the account and reopen a new one -- which would mean that I 'd have to reprogram any automatic payments associated with the account and routing numbers. This is preposterous, because it is common sense that banks should have a way to void checks they failed to deliver to paying customers.

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 2020-05-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I sold something worth {$70.00} to someone and they chase quick pay'ed me the money and then they called Chase and said it was fraud. Chase thennclosed my account without even contacting me and I can't open an account there anymore. I've tried calling multiple times and going in.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: Self Financial Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: EQUIFAX, INC.
State: NY
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:
YOUR COMPANY REFUSED TO REMOVE AND RE-INVESTIGATE THESE DISPUTED ITEMS. 
According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be re-investigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 
REMOVE ALL FRAUDULENT ACCOUNTS IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: Dynamic Recovery Solutions, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Dynamic Recovery Solutions is repeatedly charging me for the same debt that I have paid years ago. The current creditor is XXXX XXXX XXXX XXXX XXXX. I have repeatedly asked them to stop recharging me for the same debt over and over again. The debt appeared on my credit report in 2007 after I paid the debt in full and it was settled. Dynamic Recovery Solutions waits a year or two and then mails me the same debt and that it is in collections. This is clearly harassment and at this point I'm feeling threatened and extorted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-01
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have tried reaching out to this company about the debt, because it is not mine and I had my valuables stolen a few years ago with all of my personal information compromised. I would like if they an remove this debt off of my 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 2020-05-01
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
During XX/XX/XXXX, I contacted American Express to request a payment plan for the outstanding balance on my account. They accepted my request. However, they did not complete the setup of the payment plan correctly. They excluded almost 25 % of the balance in error, and it started aging as unpaid. I have paid the monthly installment every month and not been late. I have contacted American Express every month to request correcting the amount that was excluded. They tell me every month that it is under review and someone will call me back. No one ever calls me back. In XX/XX/XXXX, I started calling every week. In XX/XX/XXXX, I started calling every day. Finally in late XX/XX/XXXX, they called me back and stated that there was nothing they could do and the amount shown as unpaid and aged more than 120 days and negatively showing on my credit report was going to have to stay that way. I requested a manager and director call me so I could appeal, and now they will not call me back yet again. I feel disempowered and the victim of terrible customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: EQUIFAX, 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:
I reported an account that does not belong to me to equifax which only equifax shows. And prove to them how its not mine and who it actually belongs to. They would not remove it from my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-12
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
The creditor ( XXXX XXXX ) had agreed to remove the late payments from my account. After 2 months, they still were n't removed. I filed a dispute with equifax and in the process the creditor updated the information and my credit report was updated correctly. 30 days later Equifax put all the negative information back on my report and the creditor had not sent anything new in. I provided them with the mortgage verification showing that I have no late payments and they still want me to redispute the item and wait another 30 days. This is not fair and it 's damaging my credit for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: WELLS FARGO & COMPANY
State: FL
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:
This is not my items on my credit report this is identity theft please remove this immediately

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 2020-06-04
Company: EQUIFAX, INC.
State: AR
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 went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
Company: Larry H. Miller Group of Companies
State: ID
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/XXXX, my husband and I were subjected to predatory lending practices at XXXX XXXX XXXX XXXX in XXXX, Idaho. We agreed to purchase a XXXX XXXX XXXX at this dealer. We had specifically agreed to financing the vehicle through a 60-month contract with $ XXXX/month payment, and a {$5000.00} downpayment. The sales person who had helped us to this point, XXXX XXXX, brought a paper indicating these terms and we signed it. 
Shortly afterward, we were introduced to the finance manager, XXXX XXXX, who would provide the closing documents. He advertised additional insurance coverage ( XXXX XXXX XXXX ) in the amount of $ XXXX/mo, raising our payment to $ XXXX/month. He did not at any time mention this would entail an extension in loan length, as we would not have agreed to such terms. In the final documents XXXX XXXX produced, he extended the duration of the loan to 66 months without consulting with my husband or I. We did not immediately see the change and signed the final documents. The change in loan duration that XXXX XXXX made is a misrepresentation of the cost of the additional insurance package, and I believe it to be a predatory lending practice. 
When I read the loan documents again that same evening, I found the discrepancy in loan duration and emailed XXXX XXXX for an explanation. He never responded to my email. I also asked the sales person, XXXX XXXX, for an explanation but he avoided providing an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAS CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE BEEN UNABLE TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. THERE IS SO MUCH THAT I AM TRYING TO ACCOMPLISH AND I CAN NOT DO SO BECAUSE OF SOMEONE ELSE 'S SELFISH ACT. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE DEROGATORY ACCOUNTS DOES NOT BELONG TO 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 2019-05-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX ( XXXX XXXX ) is in violation of the CFPB guidelines where they must review 37 days or more prior to a scheduled foreclosure sale. The bank is making up guidelines as they go and are not following the CFPB 37 day rules and regulations. 

Here is a summary of what happened : XX/XX/XXXX Short sale file was submitted with a sale date about 50 days away. 
XX/XX/XXXX-XX/XX/XXXX- Back and forth communication, then the short sale was closed out on XX/XX/XXXX saying listing period expired. 
XXXX XXXX XXXX Back and forth fighting with XXXX and we were told the investor wanted 90 days prior to a sale date to review for a short sale. 
XXXX XXXX Called investor XXXX XXXX and they said if its over 37 days they will review for a short sale. XXXX is making up their own rules. 
XXXX XXXX XXXX : Back and forth fighting with XXXX XX/XX/XXXX - XXXX stated they need 120 days to review for a short sale, another change XX/XX/XXXX - XX/XX/XXXX - Back and forth fighting with XXXX XX/XX/XXXX - XXXX stated they need 90 days to review the short sale, the rule is XXXX and we advised them of the CFBP guidelines. 

Currently XXXX won't review for my short sale. I am doing a short sale to save my credit and leave my home with dignity and to do the right thing. The offer is 95 % of the bank 's current appraised value. There is no reason XXXX should be doing this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: The Best Service Co.,Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this account as not mine multiple times with no success of removal, nor was I sent a letter prior to this account being placed on my credit report. First dispute THE BEST SERVICE CO/XXXX   replied saying account verified. I have sent letters to this company requesting verification that this debt is mine and to provide proof of such. THE BEST SERVICE CO/XXXX has failed to provide original documents with my signatures nor verification sheet disclosing information. When I sent letters to the credit bureaus all I was supplied with was a general letter that this debt belongs to me, but no proof nothing in writing, no copies of letters, nothing. This is both a violation of Fair Debt Collecting and a violation of Fair Credit Reporting to not verify accurate information. This account is inaccurate and incomplete, and represents a very serious error on my XXXX 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 2019-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
CRA IS REPORTING FALSE INFORMATION ON MY CREDIT REPORT. 
THEY ARE REPORTING MY NAME WRONG AND INVESTIGATING ACCOUNTS UNDER A FRAUDULENT NAME. 
MY NAME IS XXXX XXXX. 
my name is NOT XXXX XXXX or XXXX XXXX XXXX. 
THESE NAMES ARE WRONG, SO HOW CAN YOU INVESTIGATE ITEMS ON MY REPORT IF THESE NAMES ARE WRONG. 
my name is XXXX XXXX. 
please correct my name and do a proper investigation on disputed items.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-24
Company: PNC Bank N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I've been trying to get my bank to let me transfer money out of my account and it won't let me do squats it's getting really agitated not being able to do what I need to do with my own account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I applied for loan with XXXX , XXXX . It check my credit, it provided my credit scores to me on XX/XX/2020, It provided on that report Key Factors That Adversely Affected Your Credit Score, " TOO MANY XXXX XXXX XXXX ACCOUNTS. '' This quote was shown for both XXXX  and Equifax but not XXXX. I've never had such an account, and such accounts are normally associated with people who can not get low interest loans. My scores in the 800s. 

In tracking the cause down, I asked for and received 3 credit reports, one from each of the credit bureaus about XX/XX/2020. None of these reports showed any XXXX  XXXX  XXXX  ACCOUNTS. In speaking by phone to representatives of these entitities, they agreed that that my credit report did not show any such accounts but could not explain how that information was reported. Each also denied that it had any other report on me, which is contrary to conversations I had with FICO and CFPB representatives. I am unsure who is right but matters not. 

Everyone denies but no one can explain how adverse information got reported. I also spoke with a representative at XXXX XXXX XXXX who also denied knowing where this info came from and pointed to FICO. XXXX denied knowledge a few days ago but promised to call back after checking further but never did. Today, XXXX, Equifax denied any knowledge of how that info got reported. 

I chose to caption this as a consumer report as I've been led to believe that a consumer credit report, other than the actual credit report exists at the credit bureaus. Whether it does or doesn't, somebody needs to figure this out.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: MoneyLion Inc.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Hello, I have a MoneyLion Plus membership. I am charged {$9.00} to hold this plus membership which is fine. 

When I first opened the account and took out a {$500.00} loan it was a mandatory committment to invest in an investment account. After a few months moneylion changed their rules and an investment account was NO LONGER a requirement to have a PLUS account. 

I have {$150.00} in this investment account that I would like to take out and have deposited back to my XXXX XXXX XXXX Savings Account. 

Calls to Moneylion are fruitless because the person on the phone always says its a requirement to have this investment account because I have a PLUS loan BUT this is no longer a requirement for this account and essentially my money is being held hostage. 

I just want my {$150.00} set free and sent back to my XXXX XXXX XXXX account ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: Army and Air Force Exchange Service
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted XXXX XXXX via letter and phone call requesting a copy of the agreement or contract bearing my signature to validate the debt is indeed mine. They responded with a system generated letter. Stating my request was too vague in nature signed by a XXXX XXXX. I replied back via letter again requesting documents to verify the debt is mine. No reply this has been in excess of 90 days and I have sent 3 different letters. 

I also called to speak with XXXX XXXX to ask how was the truest too vague I was informed that she has no worked for XXXX XXXX in years. Due to failure of verification request removal and deletion of debit for all credit reports

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