BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-18
Company: National Credit Services, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I was told to call in XXXX to renew my payments. I have been unable to reach anyone on the phone I've called twice a week since XXXX trying at different times and leaving messages. No one answers or ever responds. I need to arrange the next six payments on auto charge from my card to stay on track. I would like to change loan servicers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-18
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX Attempted to purchase and activate a children 's smartwatch at a XXXX location in XXXX, TX. The XXXX sales representative failed to get the smartwatch to activate/communicate with my XXXX XXXX XXXX phone as the parent phone. The XXXX sales representative cancelled the transaction and refunded or voided all charges. 

XX/XX/XXXX I received a bill marked past due for the XXXX account canceled in XXXX. I returned to the XXXX store and showed the same employee the bill. With help from his manager and after a long conversation with corporate XXXX it was discovered that the smartwatch transaction was not properly cancelled and that I was considered a customer still with an account. The manager, working with corporate XXXX over the phone again cancelled the account and voided any debts. 
XX/XX/XXXX I received a collection notice from ICSystem for {$10.00} which lists XXXX as the original creditor. I returned to the same XXXX store where the staff confirmed that this fee was associated with the smartwatch transaction and should have been waived but was told that they could do nothing to correct the issue now that was with collections. The XXXX staff recognized that the debt was invalid and noted it as such in the notes on my account. ( see attached image of notes )

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 2021-04-08
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I opened a checking account with HSBC in XXXX of XXXX. The bank disclosed a {$50.00} maintenance Fee if the monthly deposits didn't meet a certain minimum. At the time, I was unconcerned since under normal circumstances my monthly and daily balances would exceed the minimum requirements. 
The COVID hit and my deposits ground to a halt. 
On my statement ending XX/XX/XXXX, I noticed a {$50.00} fee for maintenance. I called customer service on XX/XX/XXXX and was advised this in acknowledgement of difficulties due to COVID, the fee would be refunded and that no additional maintenance would be charged to my account until XX/XX/XXXX. 
On XX/XX/XXXX the fee was indeed reversed, but on XX/XX/XXXX another fee was assessed ( contrary to what I was told on XX/XX/XXXX ) This fee put my account negative by {$2.00}. 
Then on XXXX another fee was assessed resulting in a negative balance of {$52.00}. 
Then on XX/XX/XXXX, they simply and abruptly closed my account and sent it off to collections. 
On XX/XX/XXXX I called them and explained this issue and was told to expect a refund check for {$47.00}. 
A month passed and i didn't receive a check so i called again on XX/XX/XXXX and was told a manager would call me back, but no one ever called. 
I followed up with 2 subsequent calls on XX/XX/XXXX and XX/XX/XXXX respectively and each time I was told that a manager would call me, but still no one called. 
In the interim, they still have my account in the recover ( collection ) department. 
I sent a final letter in XXXX and again was ignored. 
This is despicable behavior under normal circumstances,, but for a worldwide institution to do this to someone like myself in the middle of a pandemic is unconscionable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX A Hard Inquiry made by SYNCBPAYPAL appeared on my XXXX Credit Report which I did not authorize. It was an individual transaction and the identifying information they provided was my name and a previous address. SYNCBPAYPAL also requested supplemental information including 1 ) Public Records and Residential Information from the County Recorder 's Office and 2 ) Consumer Credit Information. This was all listed on my XXXX Credit Report. I do not have a Pay Pal account nor want one. I did call SYNCBPAYPAL on XX/XX/2019, and spoke with someone in their Fraud Department who opened a case # XXXX. I was told it would take 7 to 10 days to receive their report after they complete their investigation. 
This Hard Inquiry has affected my credit score and I'm trying to do everything to prevent further damage including placing a Fraud alert with all ( 3 ) credit bureaus and monitoring my accounts frequently.

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 2018-04-16
Company: EQUIFAX, INC.
State: MI
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 given documentation from XXXX XXXX  in which is who they are saying they got it from them but I have a freeze on the account due to the fraud as well as a police report and information from the courts as well as it doesnt belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days 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 XXXX, XXXX and Transunion data breach 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 2021-07-13
Company: LEXISNEXIS
State: NJ
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've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 375 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to the pandemic my husband experienced financial difficulties and we started paying our mortgage and we became delinquent. We were only offered a deferment or forbearance plan and we requested a modification several times. We were assessed late fees and other charges while being in forbearance and they have done that in the past with my mortgage account. Shellpoint has also improperly reported my credit standing which prevented me from refinancing my mortgage loan. Shellpoint has violated RESPA, FDCPA and FCRA at my expense.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: Atlanticus Services Corporation
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had an issue with this company beginning in XX/XX/XXXX. I used my card to purchase something online. I then received a bill with an unauthorized charge on it. I called the company and disputed the charge. They stated that they would have to issue a new card. I got the new card and then used it in XXXX to reserve a hotel. I immediately realized on my next statement that there were yet again unauthorized charges on my card. So I called and disputed them, they once again stated they would have to issue a new card. I at that point fearing for my protection as far as my identity and credit was concerned. Told them not to send a new card that I wanted to close the account. The man agreed and said that he would process my request. 
I have continued to make my monthly payments as I always have. I usually make them online. When my XXXX statement came out I made my payment on XX/XX/XXXX using the online forum. As I have many times. My payment was for {$58.00} which was more than my minimum due of {$44.00}. I received online confirmation and the site stated that my payment was received and processed. ( I have attached this statement ) I then received my bill statement that reflected XXXX with a due date of XX/XX/XXXX. Everything looked fine the previous payment was reflected and there was no late payment or issues reported. ( I have attached this statement ). 
Then yesterday XX/XX/XXXX. I received a letter stating that I had not made my payment in on XX/XX/XXXX and that I was past due in the amount of {$86.00}. And to send this payment immediately to avoid revocation of my credit card privileges. ( I have attached this letter. ) This account was closed by me. Which would stand to question how they intend to revoke my privileges. I immediately went online and checked my account and it showed that I made the payment before mentioned. Then below stated that it was reversed. I was not reversed by me. 
I then used the over the phone method and immediately paid the {$86.00} stated in the letter. that I have attached here. 
I feel that this company is internally screwing with peoples accounts and allowing these issues to happen to charge extra fees and harass their customers. I never had a problem with my payments showing up when I made them or not being applied until after I requested my account be closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: Experian Information Solutions Inc.
State: IN
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:
XX/XX/2018 I HAVE TRIED TO CALL EXPERIAN ON SEVERAL ATTEMPTS AND WROTE LETTERS TO THE COMPANY FOR THE LAST THREE MONTHS STATING THERE NOT SUPPOSE TO PUT MY BANKRUPTCY ON MY CREDIT REPORT THIS IS THE ONLY AGENCY THAT FAILED TO COMPLY, SEND THEM BANKRUPTCY LETTER THAT THE COURT HAS PROVIDED ME STATING THEY DO NOT REPORT TO CREDIT BUREAUS XXXX AND XXXX DOES NOT HAVE IT ON MY REPORT BUT EXPERIAN HAS GAVE THEM THE DOCUMENT STATING IT DOES NOT GO ON THERE STILL NO RESULTS ON ANSWER FOR EXPERIAN CREDIT BUREAU.

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 2023-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX XXXX  Balance : {$320.00} XXXX  XXXX XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX  XXXX Balance : {$290.00} XXXX XXXX Balance : {$250.00}

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 non-monetary relief
Consumer complaint received 2018-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have addresses on my credit report that are not mines and information that is not accurate. My name is XXXX XXXX XXXX, My current and only address should be XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. 
please remove and delete any other address they are not mine. 
Address Date Reported are incorrect please delete XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX , XXXX, GA XXXX XXXX XXXX XXXX, XXXX, NC 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 2017-09-02
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: Information belongs to someone else

Complaint:
Information on my report do not belongs to me. Please remove

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 2021-07-13
Company: EMCC Holdings, LLC
State: MI
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 never given anyone my permission to open an account with this company. This account is unauthorized and therefore fraudulent. I don't even know who Equiant is. I have never opened an account with them and it was opened without my consent. The account also can not be verified. I have requested verification more than once and received nothing. I have been defrauded and taken advantage of. This account needs to be closed immediately and removed from my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02
Company: BB&T CORPORATION
State: IN
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:
XXXX is suppose to resolve a dispute in 30 days. They have abused this and still have it pending after 4 months and it does not seem like they are following the Fair Credit Credit Reporting Act rules, FTC and CFPB violations. 

More than four months ago, I asked XXXX to hear my dispute with BB & T Bank regarding a " charge off '' that was paid before the alleged charge off took place. Initially XXXX advised me they needed another 30 days. I have heard nothing in over two months. 

This has embarrassed me and my wife ( whose credit rating is perfect and she is a co-borrower on the disputed issue ). This delay affected my ability to get a timely XXXX refinance on my home. 

Please discipline XXXX and require them to come into compliance with FTC and CFPB rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
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: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$530.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/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 2022-01-11
Company: EVERBANK, NATIONAL ASSOCIATION
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My lender is TIAA Bank, the loan is serviced through something called XXXX. They are both utterly XXXX. On multiple occasions they have attempted to unilaterally change the terms of my loan without my consent. Among other things, they went out and purchased homeowners insurance at 4x the market rate and then attempted to pass that cost along to me ( I already had homeowners in place ). They mistakenly paid my real estate taxes even though it was not set up to be paid out of escrow, and then tried to use that fact to restructure my entire loan. And on and on and on .... 

I have attempted to contact them literally dozens of times to discuss and rectify this. Literally dozens of phone calls, emails and letters over more than a year. It is IMPOSSIBLE to get anyone on the phone. They purposely wall themselves off from borrowers to prevent anyone from engaging with them in a meaningful way. 

They are truly an ugly, XXXX, XXXX  organization and I hope they will be held accountable for their unethical behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: EQUIFAX, INC.
State: CA
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 disputed the late payments on this XXXX XXXX account for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a  lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation