BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 was recently decline for a credit application. I was going over my file seen addresses that are not mine on my file.My name is XXXX XXXX XXXX. XXXX XXXX is NOT my name please remove any varitions. My current address is XXXX XXXX XXXX XXXX OH XXXX. I have attached a copy of my IRS letter as proof of my address. 
The follow addresses are not mine please delete them they are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have two account the I have never done business with on my report as well XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX Please delete these items they are not mines. I have no record of doing busness with 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 non-monetary relief
Consumer complaint received 2020-10-14
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
As of XX/XX/2020 SLS manually reported to the bureaus an updated balance and now the payment history is not showing on the credit report, causing the score to drop. I have attached pictures showing what my credit payment history looked like with payment history reporting and what it looks like now
without it reporting since your last manual update on XX/XX/2020. 

The credit report now shows no payment history for any of the months.

I am closing on a new house. I was supposed to close this week but due to your error my new loan is now in jeopardy.

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 2018-08-12
Company: Experian Information Solutions Inc.
State: OH
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 was recently decline for a credit application. I was going over my file seen addresses that are not mine on my file.My name is XXXX XXXX XXXX. XXXX XXXX is NOT my name please remove any varitions. My current address is XXXX XXXX XXXX XXXX OH XXXX. I have attached a copy of my IRS letter as proof of my address. 
The follow addresses are not mine please delete them they are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have two account the I have never done business with on my report as well XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX Please delete these items they are not mines. I have no record of doing busness with 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 non-monetary relief
Consumer complaint received 2018-06-21
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
XXXXXXXX XXXX XXXX has called through the whole month of XXXX when i finally spoke to them the were asking for month amount between 700 to 900 a month which that is not possible i explained to them that i can afford that amount and that if it can be lower the manger i spoke to said absolutely not that is the only amount that will be. I forgot the manager name

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 2018-04-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt has been paid. It was supposed to be deleted from credit report. I have emailed the company, Portfolio Recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: Prosper Marketplace, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I tried to get a loan with this company XXXX XXXX. They approved me for {$2000.00}. After approval they contacted me and told me that there were going to deposit {$800.00} into my account as a versification process that I would then have to withdraw and send back to them. This sounded highly irregular so I declined. They then proceeded to tell me that it was too late and that if I did not return the money to them after the 2hr time period it would take to transfer the {$800.00} to my account that they would contact the local police and have me arrested. They also said they would contact the SSA to get the money from my taxes. I told them to cancel everything. I dont want the loan. They refused to cancel the loan process. This happened today XX/XX/18 between XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12
Company: CARRINGTON MORTGAGE SERVICES, LLC
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: Problem with personal statement of dispute

Complaint:
I am asked that Carrington Mortgage re-consider they decision. As I stated, I was unaware that my payment increased to {$1200.00}, so I sent in the regular payment of {$1100.00}. Thereafter, I discovered that my XXXX payment was short and since received a late payment mark on my credit report. At this time, I contact Carrington Mortgage escrow department and they agreed that the payment might have change in error. They review my account and performed an escrow analysis. They reduced my payment as close to the original payment the following month. ( See attached escrow Analysis )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent a letter to all 3 credit beaures on XX/XX/XXXX to ask them to contact and verify and validate the so call debt that is owed with this creditor they have failed to correctly validate that is so called debt is mine. Creditor is enhanced resource centers amount of {$510.00}. They have sent a bill, no contract with my signature within in the 30 days as in the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: FIRST NATIONAL BANK OF OMAHA
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
We opened the account in XXXX of 2019. We have several cards and thus have not used this card for purchases much. We did use the card several months ago. When we opened the card we agreed to open the card to make a large purchase and earn the rewards points. We just received a letter advising that the account was closed due to inactivity, however we were never notified that it would close for inactivity NOR that if it closed all points would be lost. I just called and spoke to a representative and she stated the account is closed and rewards are lost. She stated they are not required to notify us rewards will be lost. Had we received notice that the rewards would be lost we would have made plans to use the card to remain active. However, now the account has been closed and the rewards WE earned have been lost. It appears to me that this is a predatory practice - it does not seem fair or legal. What's to say the creditor is not running a report for accounts that have been inactive and closing those who have rewards to avoid paying those out? It would appear to me as a consumer that is what's occurring and this is a predatory practice and demand the account and rewards be reinstated and CFPB performs a full investigation on this practice.

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 2020-07-01
Company: Social Finance, Inc.
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2020 SoFi Invest inaccurately displayed the number of shares held in security XXXX. The inaccurate display of holdings triggered investor action. SoFi has been unable to provide accurate account of the security to date. On XX/XX/2020 SoFi invest began withholding funds available from withdraw without explanation. There has been a running discrepancy between funds available to purchase securities and funds available for withdraw. I have contacted SoFi several times to resolve the discrepancy without success. What is the purpose of a financial institution? Is it not a institution a consumer depends on to maintain an accurate record of assets? SoFi is an embarrassment to the financial industry and is holding my funds without explanation, reasoning or applicable account terms to justify doing-so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-20
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:
i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-01
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called and spoke with someone in XXXX and and we discovered that the account wasnt mine. We had completely different account numbers and addresses. I disputed the account with a receipt attached showing that the information they have is incorrect and someone elses account. I C System Inc. is trying to collect on debt that clearly do not belong to me. They told me the only way they will take it off my account is if I pay or file for fraud. I dont understand why when I provided evidence proving that the information is incorrect.

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 2020-09-01
Company: Atlanticus Services Corporation
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Aspire charged a {$99.00} fee to activate the account. However, denied access to the full credit limit ; only allowing 50 % of the credit limit to be used.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: Experian Information Solutions Inc.
State: NV
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:
XXXX XXXX XXXX has deleted XX/XX/XX/XX/XXXX delinquencies on XX/XX/20.  Updated information was then sent to Experian to update credit report. They have yet to update. Disputed on XX/XX/20 with provided documentation from XXXX XXXX XXXX and still has not been updated. Disputed again on XX/XX/20 per Experians advise, uploaded letter from XXXX XXXX XXXX and Experian resolves dispute saying that the information is correct. We have a letter from XXXX XXXX stating they removed the delinquencies! XXXX XXXX has gone beyond what is expected and has been great. Experian on the other hand needs to do their protocols correctly.

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 2021-06-23
Company: Northern Arizona Creditors Service, Inc.
State: AZ
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:
We sent a debt validation and cease and desist letter in to Northern Arizona Creditor Services and they did not respond within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: Square Inc
State: MD
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Hello Someone made two unauthorized charges through CashApp   using my Maryland UI Benefit Card in XXXX. One was on XX/XX/XXXX for {$10.00} and initially went unnoticed. The other was on XX/XX/XXXX for {$600.00}. When I saw the {$600.00} I looked into it and requested a refund through the app but all that did was alert the person who made the charge that I wanted them to refund, which they immediately denied. I apologize for the following level of detail but I want to provide you with as much information as possible, in hopes of resolving the issue as fast as possible. 

Although this happened in XXXX, I have been trying to resolve the situation ever since, first with the bank through which the card was issued, then the Maryland Department of Unemployment,  followed by what seems like endless XXXX searches, trying to hit upon just the right set of search words that finally led me to this site. I have sent emails to show my efforts but received no replies from anyone I reached out to. 

Beginning on XXXX I began sending money to an individual I came to know as XXXX, after first communicating with her under the name XXXX. I came in contact with her online and purchased digital, XXXX XXXX with her ( pictures and videos ) on XXXX, XXXX, and XXXX with no issue. We communicated during the time and decided to meet in person on XX/XX/XXXX. In preparation I sent her another {$50.00} on XX/XX/XXXX which she was to use for dinner the next day, which she did. It is my belief that while we were together she took my phone without my knowledge and used it to access the same app and my saved credentials to send herself the {$10.00}, I believe as a test. The meeting took place without incident. Nothing more than meeting up was promised or took place. She suggested meeting up " just to put face to the name. '' Days later on the XXXX a payment was sent to her for {$600.00}. I don't believe she accessed my phone again although it is possible. She came to my house to return a magazine she " inadvertently '' took the day before and came and went while I helped my brother bring a bed into the house. Later I saw the charge and reached out to her and found she blocked me on every platform we'd previously talked. I contacted CashApp about a refund and at that time found out it's only course of resolution was to ask the the individual to send the refund and that unsurprisingly, she denied it. Since then I've had no contact with her in any way. I also reported her account to the owners of the site I first made contact with her, for which they thanked me and to my knowledge, deleted her account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: Pacific Retrieval LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Incident : A friend borrowed my vehicle, got in a high-speed chase with the cops, and abandoned the vehicle. It was then towed and stored at a tow yard. My boyfriend of fifteen years literally passed away two hours prior to me getting a call from the police department. I went to the tow yard, retrieved items from the car, and told the tow yard they can have the car. They assured me there would not be fees. On XX/XX/2020, I was contacted by a representative from Pacific Retrieval Debt. Collector. Upon speaking with the first rep. I explained the situation and informed him that I did not owe what they thought I owed. I informed him that I was going to call the tow yard and speak to them. He then transferred me to a " Supervisor '' who I do not believe is a supervisor as he presented to have the maturity of a fowl mouth immature XXXX-year-old boy. However, that is what this man claimed to be. When I repeated the same thing I said to the first rep, that I was calling the tow yard. He literally threw a fit. Yelled at me stating, " We are going to sure the ***** out of you, you loser, white trash. '' Now, I am not a lawyer. But, I do attend paralegal school and even if I didn't everyone knows that abuse is against the law under the FDCPA Act. And I intend on pressing the issue. I called back and was laughed at by a rep who answered the phone. I am not sure where this company gains their employees. But, I can assure none of them have an education or experience in customer service. I will be contacting an attorney friend to see if he can contact other victims of abuse from this company and file a class-action lawsuit and hopefully put them out of business. The reviews on XXXX re : this company backs my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: Experian Information Solutions Inc.
State: CA
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:
There are many mistakes appear in my report without my understanding.

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 2021-06-23
Company: ENCORE CAPITAL GROUP INC.
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:
Midland Credit Management did not inform me of any written issues until I had been garnished. And I had contact my employer to get information about the issue. They have a judgment against me for. From a XXXX utility account I never had. And XXXX has no current records of in my name or social security number. I did not make this account and the company they said they are collecting for has no records of such a bill or accounting in regards to me. 
Any collected funds should be returned. With penalty of harms caused by such a false claim. Enforced with no notification to said persons effected by monitory harm of collecting non owed funds. To which the company these funds where collected for show no such bill. Midland credit management should no longer seek such payments. With further proofs that I can obtain from the offended party XXXX. As their representation states no such past due balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: Chime Financial Inc
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021 I received an email stating my account with Chime Bank was being closed and that chime had made the decision to end their relationship with me. I opened this account because chime advertises that they help fix your credit and one can receive their pay checks a day sooner. Instead of helping me fix my credit they have ruined mine because they have kept all of my deposits equaling approximately {$23000.00} I can not see the exact amount as they have closed my account and I can't access the account. I was supposed to receive my XXXX on XX/XX/2021 which included backpay this money was going to be used to pay my rent and other bills. Upon doing a little research I found that chime bank has done this to a lot of other people closing theirs and mine accounts and keeping the money. Chime Bank is a fraud and is stealing money from people and ruining peoples lives. This money was due to not being able to work during the pandemic and it being taken from me has made everything much worse I don't have a place to live now as I have not been able to work due to XXXX and money awarded to me by the government was stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08
Company: SYNCHRONY FINANCIAL
State: VT
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
XX/XX/2018, I purchased a {$1000.00} espresso machine from XXXX XXXX, and several hours later cancelled the purchase. Both the purchase, and the reversed charge showed up onmy XXXX XXXX  statement. 
The problem is, XXXX XXXX  continues to show that purchase in my monthly XXXX statements, and, as of today, current accrued interest of {$100.00}. When I complained to XXXX last month, they told me, essentially, Trust us, your statement is correct,

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