BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-26
Company: SYNCHRONY FINANCIAL
State: FL
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 have a loan with XXXX, SYNCB/WALMAR, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, SYNCB/WALMAR, and XXXX  with no successful resolution. There was definitely an error on their part.

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 2021-06-26
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Keeps Selling An Alleged Debt They're Trying To Say That I Owe To 3rd Party Companies. I Have Never Entered Into Agreement With Any Of These 3rd Party Companies Such XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. I Have Demanded That All Of These Collection Companies Provide Proof Of Validation Of The Debt, Which None Of Them Have Been Able To Do So. This Is Negatively Effecting My Credit Score And This Needs To Stop Immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: EQUIFAX, INC.
State: SC
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 re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: Collection Bureau of Fort Walton Beach, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LOOKED ON MY CREDIT REPORT AND SEEN A COLLECTION FROM XXXX XXXX {$26.00} ... DATE ASSIGNED XX/XX/16 ... .THIS DEBT IS NOT MINES..I DID NOT AUTHORIZE THIS

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 2018-06-13
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Today I received a call from Transworld, a company that collects debt for XXXX XXXX XXXX. I received that call at XXXX XXXX. Transworld admitted they pursue debts for XXXX and XXXX XXXX XXXX. They stated they could not take me to court but expected me to pay the debt. I told them the debt was discharged in bankruptcy court and was 13 years old. He continued to dispute the debt with me and I continued to say it was discharged in bankruptcy court. Transworld admitted they did not own the debt but were pursing it for XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: Experian Information Solutions 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:
XXXX, XXXX  and Experian showing inaccurate information

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 2022-08-08
Company: Experian Information Solutions Inc.
State: OH
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, OH XXXX I recievd a copy of my consumer report with the intentions to improve my credit and noticed a account that i want a little more explanation on im not saying it is reporting rite or wrong im just not 100 % sure if it is. I also read somthing called the Fair Credit Reporting Act where it give me the rights to challenge anything i am not sure is 100 % accurate. In 15USC it states if you caint provide proof this account must be deleted. Well i want this account deleted if it is not reporting 100 % accuate. I heard by law you have 30 days to investigate this dispute. 

XXXX XXXX XXXX XXXXXXXX Please investigate this account and remove if theres anything missing

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 2018-05-04
Company: Experian Information Solutions Inc.
State: IL
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 disputed a public record item ( Bankruptcy ) on my credit report that does not belong to me through all there major credit bureaus ( XXXX, XXXX, EXPERIAN ) and after their investigations both XXXX and XXXX deleted the public record ( Bankruptcy ) but Experian is claiming that after their investigation the did not delete the item because they verified that it belonged to me.. After getting these results from Experian I contacted Bankruptcy court and they told me that they do not provide any credit bureaus with any information regarding bankruptcy filings so I then disputed it again sending them the information that I received from Bankruptcy Court and requesting that they provide me with the methods used in their investigation process to help me to understand how they verified this information if I Bankruptcy Court doesn't provide this and they have failed to respond. I have requested that Experian remove this inaccuracy from my credit file and they have yet to it.

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 2020-07-28
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:
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. XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX   XXXX {$25000.00} XXXX   XXXX {$22000.00} XXXX XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX XXXX XXXX {$970.00} XXXX XXXX XXXX XXXX {$18000.00}

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 2018-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I stuck my check with payment coupon into the provided envelope and mailed it off as per usual to think utility services with address visible in window. 

check was debited from my account in the amount of {$150.00} on XX/XX/XXXX this year. this should have put utility account balance at about {$110.00} credit ie i won't owe them money for several months received notice through mail this past monday that they think I owe them {$41.00}. 

Provide computer printout of cashed check that indicate a bunch of alphanumeric jibberjabber in the endorse section on back. Bank of america is  the only thing that registers for me. 

think utility services says that their bank is XXXX and that they did not endorse that check today XX/XX/XXXX18 i go to a bank of america branch with the printout to try to find out who actually got the XXXX of my money. The branch manager says that he can not determine who got my money other than to say it appears to be some global account. Some bank of america processing facility or branch allowed an endorser to collect money that was not theirs as they are clearly not ' think utility services '. BofA recommend i file a fraud claim with my institution XXXX XXXX. 

not sure how my check made it to a bank of america from a postal standpoint or a check handling perspective but the manager not being able to tell me who in fact got my money is baffling. It is almost as if the fraud is embraced at the institutional level. Will i get my money back? I don't know, they don't care, but I'll certainly have to work for it if I do.

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 2018-06-13
Company: Coinbase, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/XXXX and XX/XX/XXXX andXX/XX/XXXX myacct was broken in to by a remote hacker and with draws from XXXX XXXX to Coinbase then transferred to another out side us company with out my athurization Then both XXXX XXXX and Coinbase have made me feel I didnt protect my accounts or phone and said to bad I want my money back and I want someone to help instead of blaming me or saying there is nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: SUNRISE CREDIT SERVICES, INC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have two collection notices from two different collection agency trying to collect the wrong amounts for XXXX XXXX. I attempted to cancelled the services with XXXX XXXX cause I switched carriers on XX/XX/2017. I went to XXXX. XXXX XXXX claim they couldn't cancel my account because XXXX was attempting to port my number and they can only suspend the account so I wouldn't get any additional charges. Well that didn't happen they continued to charge me when I was with XXXX and decided to use XXXX number instead of porting my number from XXXX XXXX. Now I have two different collection agency trying to collect for XXXX XXXX while this is in dispute.

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 2020-10-12
Company: SYNCHRONY FINANCIAL
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I have been dealing with what appears to be a fake company for months now called XXXX XXXX XXXX XXXX. I paid a total of {$4000.00} to XXXX XXXX through PayPal Credit in XXXX, 2020. I do not know XXXX, but she was supposedly the person receiving the money for the company who was holding the product that I was to receive after payment was made. The company did not release the product, instead they kept demanding more money. I filed a dispute with PayPal ; however, they denied my claim because I authorized the transactions, which was true but I did not realize the product would not be received. I have recently inquired as to how to Appeal their decision. 

Fast forward to early XXXX and the company reduced the charges they were still asking for and required {$870.00} be sent to XXXX XXXX via email address ( another participant for the company ) and product would be received. I had this money in my PayPal Cash Balance. Although skeptical, I did send the money. Now, the company is asking for another {$2500.00}, which confirms to me that there is no product and it is a scam. I have emailed XXXX XXXX to ask for the money to be returned to my PayPal account ; however, I do not expect that to happen as he is a participant in the scam. 

My complaint is with XXXX XXXX XXXX XXXX ; however, PayPal Credit is the one who denied my dispute and found in favor of this company.

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 2018-12-20
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
1 ) Unable to lift credit freeze 2 ) Unable to get credit report 3 ) I suspect fraud/errors 4 ) Experian not responsive by phone or web

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 2021-07-16
Company: Applied Data Finance, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Today a debt company called " SRS '' called me at XXXX XXXX my local time which it isn't legal to call before XXXX XXXX. They call repeatedly and several times a day. They have called my mother 's phone number :XXXX and mine : XXXX. They have left voicemails on both that legal action may happen about a debt I have with personify.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: CL Holdings LLC
State: FL
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 have a loan with XXXX XXXX XXXX and JEFFCAPSYS ( Original Creditor : XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX, XXXX XXXX XXXX and JEFFCAPSYS ( Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Equifax is reporting the following items inaccurately. Can someone please look into this. Thank You ACCOUNTS XXXX  XXXX XXXX never late COLLECTIONS XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I

was never given full disclosure in regaurds to the transaction. Speaking on disclosure I was never given a right to rescind this agreement. Violation # 1. After capital one approved my credit card aka my social security number I was entered into a consumer credit transaction. Me being the consumer, I know all transactions start with me and my credit account tied to my social security. I never came for a loan I only gave capital one permission to access my credit and they turn around and furnished deceitful forms to coerce payment which is a violation of 15 USC 1692f ( 8 ), 15 USC 1692j ( A ) FDCPA. They took my social went into my credited account as me, ( identity theft ), then turned around and tried to sell me my own credit. ( fraud ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: Experian Information Solutions 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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name DPT ED XXXX XXXX {$420.00} DPT ED XXXX XXXX {$14000.00} XXXX XXXX XXXXXXXX {$420.00} XXXX   XXXX {$740.00} XXXX XXXX  XXXX {$460.00}

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 2020-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including XXXX bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name DPT ED XXXX XXXX {$420.00} DPT ED XXXX XXXX {$14000.00XXXX XXXX XXXX XXXXXXXX {$420.00} XXXX    XXXX {$740.00} WXXXX XXXX XXXXXXXX {$460.00}

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 2018-12-20
Company: Avid Acceptance, LLC
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
When I first purchased the vehicle, I was told by the dealership that the loan would be due in 45 days. When I spoke with the lending company, they told me that wasn't true - the paperwork was submitted for 30 days. I explained that I could not make a payment at the beginning of the month, that I would need to have my payments due after the XXXX of each month. I was told there was nothing they could do to change the payment date. I've since gotten behind, and can not keep up with the late fees. Because my account is now past due, they tell me that they will consider changing my due date once my account is current, but will continue charging me late fees if I don't pay at the beginning of each month. Beyond being unreasonable about the due date of my payment, they refuse to take any form of payment from me aside from a credit card payment. They charge a {$7.00} fee to make a credit card payment. They refuse to waive the fee even though they will not accept any other form of payment 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 explanation
Consumer complaint received 2020-10-12
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a mortgage refinance on XX/XX/XXXX with TD bank. 
It is now XX/XX/XXXX and TD have not closed on the refinance. 

I believe TD have deliberately extended the timelines at every step of the refi process to avoid closing on my mortgage, knowing that if we miss the close date they will increase the rate offered to me. 

TD have charged me over {$1500.00} in fees now and still can not tell me when or if we will close. 

They have been very slow in following up on paperwork, with weeks going by without any progress. They have been very unclear with me and my condo management about what they needed us to send them to approve the loan. My condo board had multiple email exchanges where the representative from TD was unable to explain clearly what she needed from us to underwrite the loan. 

The appraisal costs I was quoted were incorrect and jumped up from the amount the quoted me initially ( {$520.00} ) to {$800.00}. I was told that was because I live in a condo. 

I was told I had to pay their fees but it then turns out they have not yet been able to approve my condo for lending. I found this is strange as TD have confirmed they already lend to other condos in my building. 

I believe these delays have been 100 % preventable and it is in TD 's interests not to close during the rate lock period as their rates have increased since we started this process in XXXX. They stand to make a lot more money from me if they let the rate lock expire. 

I raised a complaint with TD on XX/XX/XXXX. They have not responded to my complaint or taken any action to address the delays. I followed up on that complaint today and it is now clear they do not intend to take any action to close the mortgage before the rate expires.

Company response to consumer: Closed with explanation