BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-10
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had made a purchase for an antivirus program online. It was not what I needed or expected so I asked for a refund and it was not given. I then filed a dispute through papal. The antivirus company emailed me stating that if I cancel the dispute they would refund the monies. I did as instructed and I am still being given the runaround by this company and they have not refunded the monies. I contacted Paypal explaining and they stated too sad, too bad attitude. They stated because I cancel the dispute I am out of the money. This third world antivirus company should not be able to mislead the consumer in believing they will receive a credit and they do not follow through. Apparently, they are well aware of paypals policy and that is why they told me to cancel the 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 monetary relief
Consumer complaint received 2019-05-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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: Problem with personal statement of dispute

Complaint:
I recently mailed letters, as per my rights as the Fair Credit Reporting Act allows, to the three credit bureaus demanding proof of this alleged charged-off account, furnished by Capital One or remove the account from my files with them. The bureaus reported back within several weeks that they were regarding this account as valid, but I have not received any proof as to the validity of the account. Specifically, XXXX  has it listed in their latest report to me that investigation complete-reported by data furnished. Capital One reports the account in such a manner yet demonstrated that the investigation, was in fact not complete in the sense of their subsequent mailing to me directly. On XX/XX/XXXX, I received a letter from Capital One requesting that I provide them with information regarding the nature of my dispute. My demand was straightforward, proof the validity of this account, the basis that it is being furnished to the credit bureaus and verify it by the manner that a holder of the right to furnish that information should, signed valid contract, chain of assignments of any holders of the alleged account and a sum certain accounting of the amount of the account, including all fees and interest. They appear to be either unable or unwilling to provide this information and if they can not prove this account, what right does Capital One have to put this information on my credit report in the first place? 

Apparently they have told the three credit bureaus that the account was valid as listed yet write me asking for information pertaining to the account, showing no proof as to the positive existence of this account yet requesting information of me regarding how the account is showing on my credit reports. They should know this since they are furnishing the information and if they can not confirm that information they are placing there is correct then they should remove that information. I am familiar with the Unfair, Deceptive, Abusive Acts or Practices part of the Dodd-Frank Bill. This should certainly apply in how this company is conducting its business here. If they can not prove the validity, of this account, if it is unverifiable, they should delete it. They are violating the law otherwise. Also, along the lines of the XXXX, the account is listed as being charged-off back in XXXX, yet in XXXX they added another {$160.00} on what strongly appears to be another violation. And they list a credit limit of {$8600.00} to an account that is allegedly closed and have it listed on a couple of my credit reports at 73 % usage. I would imagine if the account was actually closed and subsequently charged-off the term usage in this matter would fall under being a deceptive act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My problem initially began around XXXX time of Last year, XXXX  when I deposited a Cashiers Check made out to my XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX into my business checking account. As a veteran of the military, Id been a member of navy federal Credit Union for over 7 years. I called the bank and asked for guidance on how to go about depositing a larger amount of money into the account due to the fact that NFCU doesnt have many branch locations nationwide. I was walked through the exact process with a representative and completed the deposit. I was told the time would be about 10 days before I could have access to my funds just as a standard processing time. About 3 days into the process before the funds cleared I was contacted by a NFCU rep. The rep asked multiple questions concerning the origin of the money. I answered the questions very specifically and asked was there something wrong or to be concerned about. The bank advised me that I had no reason to worry and this was standard for a large deposit. I received about 2-3 follow up calls from different reps asking me the same question but they all said that I had nothing to worry about and my check hadnt bounced or been returned unpaid. I gave the bank the benefit of the doubt but I was alarmed at their suspicious behavior. After about 10 days, my funds clear as expected and seemed to be normal day of business. About 2 days after, my entire account access for both my business and consumer accounts were frozen. When I inquired about why my accounts were frozen I was completely stonewalled and treated like a criminal. I was ONLY told that some source outside of my actual Institution had claimed my money to be paid out in an error of some sort which Im stating for the record is absolutely false. I demanded proof of any documents the bank had but I was not provided anything. As a consumer and member of the bank I am supposed to have rights and protections and the bank refused to honor the law or my membership benefits. The bank stole nearly {$700000.00} from me and closed my lines of credit leaving me with personal and business debt and shuttering my business in the process. This ruined my consumer credit rating and also my business and its employees. They closed my account and said that I could not receive my money or anything in my account. Their actions violated Banking laws and the Uniform Commercial Code.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX I had reached a settlement agreement with the second lien on my home, with the servicer Ditech Financial LLC in XX/XX/XXXX. At about the same time, XX/XX/XXXX Ditech filed for bankruptcy, so this may have caused the confusion, but I was unable to complete the settlement, even though it was offered in writing ( see attached ), because when I would contact Ditech, either I was told that there was no settlement in their system or that it was placed on hold. I was given the run around. Then in XXXX XXXX received a letter from Shellpoint saying that my mortgage had transferred from Ditech to Shellpoint. ( Shellpoint is the servicer for the first lien as well, on my home ). At that time, the Pandemic had just started and everything was paused. I did reach out to Shellpoint but they advised me that they could not find a second loan, not with the account number in my notice of transfer letter or my social security. The only account that they can locate is my first lien. The representative today, XX/XX/XXXX, advised me that she can not locate any second loan, and that the account number I gave her is not XXXX she has ever seen before. I spoke with XXXX XXXX at Shellpoint. I explained that the letter was from Shellpoint and noticed that the mailing address and phone number for the old & new servicer were the same ( Ditech & Shellpoint ). I also explained that I contacted XXXX XXXX XXXX & they confirmed that Shellpoint held the second mortgage on my home. Also the transfer dates are inconsistent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: United Shore Financial Services, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have wired about $ XXXX and another about $ XXXX toward the principal, Mortgage lender hold these wired money for more than 10 days to deposit towards the principal. We lost interest and paid interest on the money that they hold for 10 days. 
Their practice of holding money which is wired to them are not fair and bank is making unnecessary money from consumer like us. We need you to step in and look at their practice. Please help XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: MiraMed Revenue Group LLC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There is 2 amounts on my credit report and both amounts should not be there. 
{$500.00} & {$640.00} for dates of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I have had full insurance medical benefit - I do not know why this is on my credit report. 
I called the company to try to dispute it and they were not helpful at all. 
I have my paperwork of the claimed being paid by my insurance company. 
When i call the company contact on my report they wont help me. 
I want both charges off my credit report immediately. 

Company contact info is : Miramed Revenue Group XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Sensible Auto Lending, LLC
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 am requesting the account listed below to be removed immediately. 
Sensible Auto Lending acct : XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
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 reached out to XXXX and Transunion today XX/XX/XXXX via phone call. XXXX had me on hold and transferred me XXXX  times and hung up in my face. I have told them to remove false information and account information from my credit report. The send a automatic generic response and ignore any violation to myself and the law. I called them today and the representative I spoke with was of no help and refused to handle my request as I stated. I will be taking this to the highest level possible and charging for every violation if this complaint does not render the solution I desire. First I would like to point out that I at no time under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer have I given permission to any company to report or speak for me on behalf of my credit. Without me giving permission it means the credit reporting agencies have taken it upon themselves to act as me and speak for me and falsely report in my name. I want all invalid accounts and incorrect account information to be corrected 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 2018-09-20
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Hello : I have a personal loan with XXXX XXXX from my XXXX degree that I completed in XXXX. I recently went into repayment as of last year and XXXX XXXX failed to update my address and deliver the notice of repayment to me via either email or phone or even regular mail. I spoke with them on the phone about this when first noticed this and they admitted and acknowledged that it was indeed their fault and they would fix it on their end. In addition, they proceeded to immediately report me to credit bureau following the call for being delinquent on my student loan even though I made a payment during the call to make my account current and set up an automatic payment for the lifetime of the loan. I am currently in my XXXX program in XXXX XXXX, XXXX. I submitted a dispute with the credit bureau to attempt to get this information removed from my report or at least a note added about the situation and it was denied after speaking to XXXX XXXX about everything even though I had documentation and proof that was provided about the situation. My credit score took a major hit because of this situation which I found highly upsetting as I was relocating to XXXX for my XXXX XXXX earlier this year during the summer. It was almost impossible for me to get approved for an apartment out here. Thankfully my father was willing to co-sign for me and as a result I have to live in student housing at age XXXX years old even though I can afford to live in a real apartment. So I currently reside in a studio apartment due to this issue with XXXX XXXX that has carried over all these years despite it not being my fault. Now, I am reaching out to you to attempt to resolve this issue. Possibly have them dismiss the entire debt because of this error in reporting on their part as I have suffered more than enough due to their incompetence and am tired of dealing with them. For the sake of reporting them to you, I attempted to log into the website and my user account could not be found even though I know the information like my own ssn but, of course the website was down. I was actually happy they sold my loans to XXXX the majority of them and excited about the letter received that notified me I currently had no business with XXXX XXXX back in XX/XX/XXXX. However, imagine my surprise when realized we still had a relationship I was unaware of in XX/XX/XXXX. Anyway, please call me at XXXX to further discussion this issue. I am sick of being messed over by XXXX XXXX and I am surprised they are not at the top of the list of most disputes filled against a company. Thank you for your time and have a blessed day.

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 2022-02-10
Company: TRANSWORLD SYSTEMS INC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
{$56.00} to XXXX they have Transworld systems doing debt collection on this. 

XXXX stopped picking up our trash and we tried multiple time to see what the issue was. We found out they were going to stop services in our area. We did not get any service prior to the date given and could not get any response from XXXX. We had to get a new provider for our trash and came home one day and they actually came out and took the cart. 
The XXXX weeks prior to them ending service they never picked up or responded to and calls or XXXX mails. 

We should NOT owe anything as they did not pick up the last month of service as they stated they would.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I filed the XXXX claim after my car was totaled. Ally says they needed XXXX docs to complete the claim. I have emailed to the XXXX or XXXX  times and they say its still not correct. They are pretty simple docs and the say they can't see the complete pay history that I sent. It's all in a pdf and if you got one you got them all because they all in one doc and very easy to read. I have spoken with them XXXX times abiout it. getting nowhere. I sense this a standard business practice for them

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 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
After reviewing my recent credit Reports XX/XX/XXXX  ; I noticed for the third time deficiencies of reporting and inaccurate information on Transunion and XXXX credit reports in violation of the Fair Credit Reporting Act Section 611 ( 15 USC 1681 I ) 15 USC 1681 section 602 A, Section 604 A Section 2, 15 USC 1681c ( a ) ( 5 ) and 15 USC 1681s 2 ( A ) ( 1 ). 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX is NOT my address ; I never lived there! I have filed an identity theft report regarding this address. ( please see attached ) Additionally I respectfully request a proper investigation of UPDATED XX/XX/XXXX  XXXX  XXXX individual account Balance {$3000.00} having no Account number, on TransUnion Credit Report. 

I AM NEVER LATE on my verified accounts and I am entitled to 100 % accurate reporting on all my credit reports with the credit bureaus. Hard Inquires : XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX were reported to companies and please see attached FTC Identity theft report. Im concerned my personal information may have been breached in a data breach. I HERE NOW EXERCISE my consumer RIGHTS to DEMAND that ONLY FACTUALLY PERFECT TRUE CORRECT VERIFIED VALIDATED CLAIMS that are CERTIFIED COMPLIANTLY be REPORTED. SINCERE THANKS FOR YOUR TIME AND ATTENTION.

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 2019-07-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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 filed 4 disputes ( XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX ) with both XXXX credit reporting agency and Bank of America ( the creditor ) to correct an error on my report that showed up on XX/XX/XXXX. I have NOT had an active account with Bank of America since XX/XX/XXXX of XXXX when my mortgage was transferred to another servicer ( XXXX XXXX ). Each of the disputes I have filed with both Bank of America AND XXXX has resulted in NOT changing the error on my report. This is adversely affecting my attempt to re-finance my loan at his time by showing that I have two months in a row where I was 30 days late XXXX XXXX & XXXX of XXXX ). As of XX/XX/XXXX and every prior credit report back to XXXX of XXXX, the reporting was accurate because my account was closed and transferred from Bank of America to XXXX XXXX   on XX/XX/XXXX. Each of those reports showed 30 days late from XX/XX/XXXX and no late payments or XXXX. I have the online credit reports from XXXX dated XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ( and can submit others going further back ) showing the XXXX payment to Bank of America as not late. 

The simple fact that Bank of America transferred my mortgage loan to XXXX XXXX on XX/XX/XXXX shows that it is IMPOSSIBLE to have my XX/XX/XXXX payment be 30 days late. I was only a customer of Bank of America for THREE full days in XXXX of XXXX. I am confused as to how this change was made on XX/XX/XXXX and also why the change was made. But this erroneous change has negatively affected my opportunity to refinance my current loan to a lower loan percentage, a shorter term and also take money out of my refinance for home repairs. This needs to be corrected ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: SYNCHRONY FINANCIAL
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: Information belongs to someone else

Complaint:
My name is XXXX XXXX and my TransID is XXXX. On XX/XX/2019, a XXXX XXXX cashier associate fraudulently created a line of credit without my permission including the use of an incorrect social security number to be filled under the creation of the account. On XX/XX/2019, I contacted XXXX  for guidance and requested Synchrony Bank to submit a deletion of credit inquiry directly to XXXX. I have been informed, by XXXX, that the removal of the credit inquiry will take place when this cover letter is received by myself and the deletion of credit inquiry is received by Synchrony Bank. 

On XX/XX/2019, I contacted XXXX for a status update as it is only a few days away from the 60 day timeframe. XXXX  informed me that they received my cover letter that was mailed to them but did not receive the letter of deletion of credit from Synchrony bank. I informed the representative that Synchrony bank does not provide the customer a copy of the letter and that it is electronically sent to XXXX. XXXX  persistently said that the matter is still open until I provide a copy of the letter of deletion of credit. However, I am unable to according to Synchrony Bank. 

I will be filing a claim against both agencies as their processes are not aligned with one another. Please determine the correct coarse of action whether XXXX  is able and should receive electronic letters of deletion of credit or if Synchrony bank must provide the customer a copy of the letter of deletion of credit. In addition, Synchrony bank automatically opens a line of credit with simply a drivers license without validating the correct social security number.

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