BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-19
Company: MONEY SOURCE, INC., THE
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: Their investigation did not fix an error on your report

Complaint:
1. I set up a recurring monthly payment in my personal account on the money source ( https : //www.themoneysource.com ) for my mortgage monthly payment on XXXX or earlier. 

2. I received an email from " the money source '' named " Recurring Payment Confirmation '' in which I was told " This email is to confirm that following your request, we have established automatic drafting ( " auto draft '' ) for your monthly mortgage payment. The first auto draft will occur on XX/XX/XXXX ". 
I also received a paper letter from the money source which told me the same thing after a few days. 

3. Nothing happened on XX/XX/XXXX and even XXXX XXXX, but I didn't know that, until XX/XX/XXXX I suddenly found the recurring payment didn't work. Because there was a late payment record appeared on my credit report. My credit score drops almost XXXX to XXXX and my wife 's as well 4. I made the 2 months payment on XXXX XXXX. I explained reason is not on me and asked the creditor to remove the late payment record. I was told they submitted a request but could not guarentee. 

5. I wrote to the money source through their message system on XX/XX/XXXX. And they asked me to call them. 

6. I called them today XX/XX/XXXX. They refused to remove the late payment record on my credit report. One of their manager told me they had send me a posted mail telling me that they turned off my recurring payment. But I never received such letter. And I don't know why they didn't send an email to me as well this time. 

7. I have to file the complaint here since it is not my fault to make such a late payment. And the money source -- my creditor refuses to correct my record. My credit score is kept well, I don't want it destroyed by the creditor 's mistake. 

8. I have the email and paper mail copy attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: Mr. Cooper Group Inc.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XXXX I submitted a personal check representing a significant principal amortization on my mortgage to my servicer, Mr. Cooper : the amount was approximately 2,000 less than the total principal due, prior to sending the check, I researched the bill and website to determine if they would accept a personal check for this large of an amount, there was no indication it was prohibited, however payoffs require a certified check ( which this was not ). Susequently the check was returned to me indicating that it was not acceptable as payoffs require certified funds, the amount was not a payoff, i subsequently contacted Mr , Cooper for an explanation. They indicated they did not accept personal checks for more than 90 % of the principal due, I asked where on the bill or website this policy was stated. The complaint department indicated it was not listed and kept referring to the policy on payoffs ( which this was not ). They provided me no satisfaction and now I am at risk of losing substantial gains from an unrelated financial transaction as I can not make res presentations that the mortgage has been paid down, Mr , Cooper has provided no solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: ALLY FINANCIAL INC.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Ally produced a forged contract and continue to submit this fake. They are lying and violating many fdcpa laws as well as tila.

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 2017-07-28
Company: Stellar Recovery, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I applied for a job in XX/XX/XXXX, 2017. I needed FBI clearance. The result of my clearance ( great! ) came from the potential employer. To my surprise, there is a {$1000.00} account in collections from XXXX XXXX. I have never had a XXXX XXXX account in my life. I have never been notified of a debt from XXXX. I called the company ( after XX/XX/XXXX ) who was listed as the collection agency : Stellar Recovery, Inc. XXXX XXXX XXXX XXXX, XXXX. MT XXXX.I spoke to a representative whose name I forgot to write down. I asked who? What? When? Where? How? She knew nothing. She placed me on hold for 20 minutes but could not find anything on this debt. I asked to speak to a Supervisor. I spoke in great length to XXXX XXXX. He could not find anything, but promised to get more information from the creditor. I have called him several times to follow up on our initial conversation, but can never get him on the telephone. This is very disturbing. Had I not needed FBI Clearance, I wold have never know of this debt because it does not show on XXXX XXXX. I need help.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My CareCredit payment was due XX/XX/2021. I mailed it on the XXXX, though it was cose to pickup time, and may have been picked up on the XXXX. 

It should have been there in the XXXX it was processed on the XXXX. When I called about the late fee, they said I had already had it waived 5 times and the couldn't do anything about it. Unless the law has been changed, as long as the payment is postmarked by the due date, it is legally on time. All prior waving of fees was for the exact same reason. 

If it is good enough for the IRS, why is not good enough for the banks?

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 2018-01-04
Company: Winklevoss Exchange LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
XXXX is an exchange of XXXX to USD and opposite. I have an account with XXXX in XXXX and in USD. My account got frozen by XXXX with no explanation or offer on how to resolve it resulting in the hold of my funds. I am not able to transfer or withdraw funds. I tried to contact XXXX but unsuccessful. They do not have any contact number to call. I have sent 6 e-mails to the customer support ( that is the only mean of contact they offer ) and got 6 generic responses like this : " Hi there, We are experiencing a high volume of requests but are doing our best to get back to you as soon as we can. Thank you for your patience. 

Onward & Upward, XXXX Customer Support '' This has been ongoing for over 2 weeks and I do need access to my funds. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was under the impression that I was sending deposits for an apartment to someone in the XXXX housing department. I was instructed to send exactly {$4800.00} via XXXX. On XX/XX/2019 I was instructed to show up for a viewing when I was arrived there was no one there. I sent messages and called to no avail so at this moment the scam was unveiled and I discovered there was no apartment. I called XXXX who then instructed me to call my bank to receive my funds back. After getting off the phone with XXXX I called Bank of America who told me they would take anywhere from 10-45 days to make a decision and on XX/XX/2019 they sent me a letter in the mail to tell me I authorized the payments and therefore they would not refund my money. What I do not understand is why I spoke to someone from XXXX who told me I could receive my funds back but since XXXX and Bank of America are separate entities my bank needed to request a refund on my behalf so I want to know why Bank of America will not refund 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 2018-06-05
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: Account status incorrect

Complaint:
I have received a forbearance and XXXX has still reported that I have lates on my credit report from XX/XX/XXXX through XX/XX/XXXX. My loan was in forbearance at the time

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 2022-01-19
Company: CREDIT ACCEPTANCE CORPORATION
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have called Credit Acceptance requesting a letter detailing my payment arrangment and they have refused. They said they do not send out letters on customer payment arrangements. There is no way to access payment arrangement information online. There is no way for a customer to physically see a payment arrangement. 

The co-borrower made changes to the payment arrangement on the loan without my knowledge. Credit Acceptance did not inform me of any changes through mail, phone call, or on their portal. This information should not be withheld from borrowers. 

Not being willing to send out payment arrangement information is also limiting to individuals with hearing disabilities that need to see/ read 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 2022-01-19
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Over the past 2 months I have sent 2 letters to the credit bureaus about accounts in collections. I asked for validation and original contracts for each collection. The accounts still remain and have not been fully validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX is reporting to equifax that I still owe their company {$5000.00} on a student loan that was consolidated and transferred to XXXX XXXX. I have tried to fix this error with XXXX  numerious of times. This is a violation of the FCRA federal law. The balance owed should be reporting as a zero balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: ProCollect, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is the second complaint filed with this company Procollect. I have faxed on XX/XX/18 notication of fruad/identify theft regarding collection on my credit reports. I am XXXX  and live on a fixed income and for this reason I would not authorize anyone using my personal information. I'm requesting deletion of this collection be removed from my credit reports. Please see attached.

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 2022-01-19
Company: I.C. System, Inc.
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:
On XX/XX/2022 I was notified by my credit card company that my credit limit for one of my credit cards was basically cut in half of what I was approved for. In looking at my credit report, there is an account in collections named I.C. SYSTEM, INC who has never attempted to contact me because this debt is not mine. 

My credit report shows that the original creditor is XXXX XXXX XXXX XXXX with a balance of {$1700.00} of which I have never had an account with XXXX XXXX XXXX XXXX of {$1700.00}. 

My understanding is that XXXX XXXX XXXX XXXX is the the wireless carrier side of XXXX XXXX XXXX. I have always had XXXX XXXX  as my mobile carrier. 

These charges are NOT mine and I believe that I have been a victim of fraud or identity theft. 

No one from XXXX XXXX XXXX XXXX or I.C. SYSTEM, INC has ever tried to contact me to resolve the debt BECAUSE IT IS NOT MINE! 

I attempted to dispute this account via XXXX and they came back within a day ( after stating that it may take up to 30 ) that the account is mine. This is 100 % completely false!

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 2019-05-01
Company: EQUIFAX, INC.
State: NV
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:
Hello. My name is XXXX. I happened to check out what was going on with my credit report. I noticed several collection items placed on my report that do not belong to me. Please remove them from my report today I appreciate the help. Thanks so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Hello. My name is XXXX. I happened to check out what was going on with my credit report. I noticed several collection items placed on my report that do not belong to me. Please remove them from my report today I appreciate the help. Thanks so much.

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 2017-10-01
Company: EQUIFAX, INC.
State: NV
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:
I have a XXXX XXXX through XXXX XXXX ( XXXX XXXX ). There was a data breach at the company that caused them to want the card frozen. Unfortunately, and through no fault of my own, their computers never shut the card down and I was able to continue making purchases on it. One day, after checking my account details, I noticed purchases having been reversed. In addition, there was a 60-day delinquency being reported. 
I called Customer Service with regard to the matter, and a manager named " XXXX '' called me back the next day. He explained that, in their error, the card was never shut down as they wanted it to be. A new card had been sent to my old address and returned to them as undeliverable. XXXX assured me that all would be taken care of. They would send me a new card, to my current address, and would also remove any and all derogatory information sent to the credit bureaus. This was in XXXX. 
Last week, around XXXX XXXX, my credit monitoring notified me of another 60-day delinquent notice that had been sent to the credit bureaus. In addition, an " over the limit '' indicator was there. This, combined, caused a XXXXpoint decrease in my score. 
I called Customer Service and they reiterated the conversation I had with XXXX in XXXX. It was confirmed that I had faxed in the necessary information to have the new card sent. However, I was told that they would need to confer with XXXX related to any reversal of late fees and also any removal of negative information to the credit bureaus. 
I was told XXXX would call me " right away '' but no word from him at this point. XXXX XXXX indicated this was their error and they would be happy to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
After 3 complaints through this system ( XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX ), Experian has failed to send updated credit reports as documented. What are my legal rights? Why is this happening? Who is responsible for investigating 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 non-monetary relief
Consumer complaint received 2019-05-01
Company: Professional Finance Company, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contact Professional Finance Company to resolve a collection that we believe we do not owe. I asked for details of the debt. I advised I paid XXXX on XX/XX/19. I was told this was a separate account. The company that debt was owed too, has not called us for this particular amounts. They representatives could not give us the information on the account details, she just made snarky commits. Asking me what I don't understand about this. I advised I don't understand why I am paying XXXX XXXX dollars to the same company and why it wasn't billed together. The representatives continued the snarky remark. I asked for a supervisor and got attitude cause I asked. The representatives I spoke with advised me that we would be recorded. I advised the representatives that we have it on speaker phone and will be recording the conversation. Each representatives told us it's illegal to have it on speaker phone, which is false information. Representatives also told us we are not allow to record the conversation. Which by federal law I am allowed to record the conversation and protect myself from fraud or scams. Then each representatives would terminate the conversation by hang up on us, stating it's company policy. I advised the representatives that federal law and fair debt collection act allows me, the consumer to protect themselves against a debt collector. They refuse to continue the conversation. We have recorded the phone calls and we also notified them we were recording them. I asked for a supervisors 3 out of 8 phone calls on XX/XX/XXXX around XXXX XXXX to XXXX XXXX. We had to just ask for a supervisor before talking to a representative. On other occasions When we asked for a supervisor, we would get sighs and attitudes. We got voice mail on all three attempts to a supervisor. We have yet to receive a phone call back from a supervisor. On several occasions pfc has called my wife at work, she has advised them to not call her at work. She has received two more calls from them.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-04
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
XXXX XXXX IS TRYING TO COLLECT A DEBT THAT IS NOT MINE I HAVE NOT OPENED UP ACCOUNT WITH THEM I ADVISED THEM THAT THIS WAS A FRAUD ACCOUNT AND 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 2018-01-05
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
i opened a XXXX instore credit card in XXXX, XXXX. I informed them i wished to put my {$65.00} per month payment into auto debit. After filling out their paperwork and mailing them a voided check with said paperwork, i was assured via snail-mail that everything was in place ; however in the ensueing months, my account has been assessed with compounding late fees.I 've repeatedly called the customer service number to straighten it all out, only to be frustrated with their lack of competence in handling their error. My wish is to rectify their internal error by honoring my original request to have automatic payments withdrawn from my checking account subtracting the payments I 've made to date with no penalties added. My other request is to ensure my credit score has received no blemishes because of this error. BTW my bank has tried to intervene by doing a conference call and faxing proof of payments made to XXXX XXXX. they did not acknowledge the fax or any part of our attempt.

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 2021-09-14
Company: EQUIFAX, INC.
State: KY
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's been well over 30 days and I haven't received any investigation result.

Company response to consumer: Closed with explanation