BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-24
Company: Resurgent Capital Services L.P.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
The collection agency is called CACH , LLC. Several years ago, they sent me notification of collection for an account I did not open, or do not recognize. They claimed I opened a credit card with XXXX XXXX. When attempting to contact them for more information, they did not answer and did not return my message. They continued to send me collection notices but would not answer my attempts to contact them. I was then sent a summons to appear in court, and I remember the court date being for XXXX. Since they were not answering my calls, I wrote them to get the information about the account I allegedly opened. They did not provide any requested information and only responded that I have to pay the amount they require. Then I received notice that I lost the court case after not showing up in court in XXXX ; the court date had been changed from XXXX to XXXX and I was not sent any notification of this. ( " Playing dirty '' as the expression goes. ) In the judgement itself, they provided false information regarding the communication. Over the years since, they have sent garnishment notices to my employer. I have had money garnished from my checks and then refunded back to me ( apparent legal action against Cach? ), and then later garnishments started up again, stopped with no explanation, and start up and stop again. I have documented that at least {$950.00} has been garnished recently and stopped without explanation, and the judgement is still out there against me though I have not withheld funds. My employer does not have an explanation either. CACH still does not answer when I attempt to contact them. They are maintaining an unpaid judgement against me but are not continuing garnishments and are not showing any record of the funds they have taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: SYNCHRONY FINANCIAL
State: MO
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: Card was charged for something you did not purchase with the card

Complaint:
The credit card company refused to fix an issue with fraudulent transactions on my card. I don't have internet excess as it tied up to XXXX account which I don't have anymore.

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 2020-05-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My husband and I keep our credit reports frozen unless needed. We are exploring getting a new home and called XXXX  and XXXX  to get our credit UNFROZEN. We got customer service people on the phone and had no problem. However, with Experian we can't even get a human on the phone at all. We found the web site and my husband managed to get his unfrozen online. Mine, however, would not work even using the pin number that had been mailed to me when we initially froze the accounts in 2017. I tried using the pin, not using the pin ( answering the security questions ) and it would not unfreeze. It said I had to MAIL it. We don't have time for that! Our credit union is checking the reports within the hour. Federal law says we should be able to unfreeze our credit within the hour but Experian is offering no phone service to solve this problem

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 2023-05-11
Company: Frontline Asset Strategies, LLC
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: Information belongs to someone else

Complaint:
The address on their file does not belong to me. This is NOT my account. This is fraud! I am tired of reporting this. XXXX knows this is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
Having submitted 4 complaints against Paypal XXXX, XXXX, XXXX, and XXXX, I am still with no SOLUTION at all, just " nice '' excuses from XXXX XXXX XXXX and other unidentified Paypal staff who are apparently in XXXX. 
I want to close my Paypal account based on my email XXXX XXXX XXXX but Paypal is not honouring my request!! 
On XX/XX/2017, Paypal emailed me a message in XXXX that is difficult to read as has many layout errors ( why not send it in PLAIN text? ). When I login, I am unable to close my account as I am required a verification phone call to a landline number that changed a long time ago. 
Paypal people please CLOSE my account so I can open a new account in order to be able to use my XXXX bank  account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX Balance {$1500.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX Balance {$1500.00} Date Opened XX/XX/XXXX XXXX XXXX Balance Balance {$81.00} Date Opened XX/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 explanation
Consumer complaint received 2020-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Transunion is not allowing me to access their website I get an error message even though all of my information is correct, I am trying to get information from them, I called the agency I was put on the phone with two separate people who both gave me different information about my account. I am not able to get accurate information from the agency.

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 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2019-10-30
Company: TMX Finance LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
When I called in last month XXXX let me know she was over the store now and she gave me incorrect rates. I let her know I have my contract on the TitleMax app and she was wrong. She continued arguing with me until I asked for the corporate number. I spoke with XXXX and she advised XXXX was wrong and said that she would be trained. She asked if I needed anything I said no I was trying to help myself and others to not be deceived. XXXX even called me back to let me know she spoke with XXXX. This month XXXX called me on Monday to let me know I was late I let her know I would pay on the app on Friday. Tuesday I get another call from XXXX asking me when I would make a payment I let her know I just talked to her Monday and she called my sister. On Wednesday she called again I let her know it was harassment at this time because you already know and you dont need to call me everyday and that was against the law to harass me. I called the district office again and left a message for XXXX At XXXX XXXX , XXXX was on vacation. The store that Im referring to is on XXXX XXXX XXXX XXXX. I am XXXX and this is really bothering me medically so I need help. I have attached the 3 days in a row TitleMax have called me and Ive spoken with them. Its harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: Block, Inc.
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
I used afterpay to order XXXX  and after our has created two different charges for the same one order. XXXX has gotten back in touch and said that there was not a duplicate order and afterpay will not refund me for the double charge nor will they get rid of the double account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-27
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
In XX/XX/XXXX I applied for all three credit reports from " XXXX '' which included Equifax, XXXX, and XXXX. I was only able to receive the report from XXXX. As a California   resident, I called to register a complaint with the proper agency. I also downloaded the form to mail a request with proper identification evidence and submitted same to Equifax and XXXX ... .both initially declined my request citing evidence was inadequate. I finally received a report from Equifax after complaining to the agency in California ... but received nothing from XXXX. I then called XXXX   and after satisfactorily proving that I was indeed, XXXX XXXX XXXX ... they still insisted that I submit new evidence documents to receive a report by mail. I blew up and told them that was XXXX  as they knew who I was at that point..finally they agreed to send a report by mail which I received last week. Four months after embarking on a quest to receive my annual credit report free from Equifax, XXXX, and XXXX. My main complaint concern is with Equifax as two of the negative accounts in collection have already been removed from XXXX after I submitted information that they must be deleted. I registered a formal dispute online with Equifax which was supposed to be completed by XX/XX/XXXX. After  checking with Equifax no results were posted, although the date of XX/XX/XXXX was still listed as the date investigation results would be posted. The disputed accounts are ; 1. XXXX XXXX XXXX XXXX   collecting for XXXX XXXX XXXX XXXX Amount {$2100.00}. 2. XXXX XXXX XXXX which was removed as " not my account '' from XXXX. Both these should be deleted. A third account XXXX XXXX XXXX is currently in dispute under 2 prior complaints with this agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
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: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : BankruptcyXXXX XXXX BankruptcyXXXX XXXX BankruptcyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-11-03
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
Well, there exists a discrimination during my application for AMEX credit card. I got a low credit limits as XXXX us dollar. I have already referred several of my friends to apply this AMEX card. They got XXXX and XXXX credit limits. When I asked AMEX, they said they make the decision based on different PERSON! However, me and my friends came from same place with the same income and study in same school and same major. How could this kind of huge difference come about? Whether they are using profile discrimination or use price discrimination method to treat consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
This is now the fifth separate complaint I have filed concerning Capital One sending unsolicited offers in the mail. I have made multiple requests to be removed from their mailing list, which they continue to ignore.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
A check being sent for deposit in the amount {$24000.00} stolen from XXXX post office 's drop box on XX/XX/21. Wells Fargo ( XXXX ) accepted check as deposit on XX/XX/21 and transferred funds to " XXXX XXXX  '' ( XXXX ) on XX/XX/21. The check was endorsed and marked " Deposit Only xxx xxx ''. I DO NOT have a checking account with Wells Fargo! I received a copy of canceled check on XX/XX/21 and I spoke with Wells Fargo 's personnel and they said they couldn't help me, that XXXX  XXXX XXXX would have to initiate a request for records. XXXX refused to do so as check had been endorsed by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: Ocwen Financial Corporation
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my home and closed on XXXX XXXX. My new lender paid off the previous loan in full on that date to PHH mortgage d/b/a XXXX XXXX. I was supposed to be refunded my escrow amounts totaling over {$9000.00}. Instead for the past several months subsequent to my refinace with a new company I have received delinquency notices for several months from my former lender PHH for payments not owed because the loan was paid off in full with no deficiencies whatsoever. I have spoken with them on numerous occassions and they admit that they received the full pay out on XX/XX/XXXX and could not explain why it had not been applied and the account closed. They assured me that they would send my escrowed funds. It is my understanding that the law requires them to refund my escrowed funds within 20 days. It is now 42 days later and I have yet to receive my refund. When I called they said they applied the pay out on XX/XX/XXXX and not XX/XX/XXXX. That is their own internal mistake and does not justify them not returning my money. 
I believe that I should be paid interest from the date they should have paid me until I receive it and if there are any penalities applicable I request that they be imposed. If the shoe were on the other foot they would charge me late fees plus interest. Most importantly they should expedite my escrowed funds to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX,, 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-05-28
Company: Account Resolution Corporation
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
ACCOUNT RESOLUTION CORPO trying to collect {$980.00} for XXXX XXXX XXXX, the original creditor. 

XXXX XXXX XXXX claims they performed services at a specified date. They never contacted me or sent me a bill. I only heard from the collection agency, ACCOUNT RESOLUTION CORPO When I contacted XXXX XXXX XXXX, they could NOT provide me a bill to review. 
This has damaged my perfect credit report. If they had contact me, same address and phone number for over 5 years, I could have resolved it without damaging my credit. 
Please help remove this from my credit report. 

Collection Agency ACCOUNT RESOLUTION CORPO I have no information from original creditor, XXXX  XXXX XXXX. 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: NEW YORK COMMUNITY BANCORP INC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/2022 I experienced hardship after having XXXX that there was a person named XXXX XXXX on the title of my property and that my mortgage had increased. Contacting the servicer Flagstar bank advising them that I never consented to this agreement. They added a second mortgage to my home without my consent I am a XXXX man above XXXX who has no understanding how to use email was told that they sent a electronic signature to my email which I never seen. They have added a second mortgage and have overlooked my complaints time after time they have ignored my plea against them and the bank who illegally added another income to my account. I have written them letters each month requesting help. Asked them to cease and desist they continue to report late payments and file bankruptcy judgement.

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 2017-09-21
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
In XX/XX/XXXX of 2013 my husband and I filed a chapter XXXX Bankruptcy. We later withdrew our petition and the case was closed. No creditors were harmed based upon our filing and subsequent withdrawal. Since that date the three credit bureaus have had a bankruptcy showing on both of our credit reports. The balance is correct at XXXX dollars but the Bankruptcy should not be showing at all. My husband and I have both disputed this information many times with no luck having it removed for me and only trans union removed it for my husband. 
This information is a public record that can not be validated or verified by anyone in the court and therefore should not be on the credit reports. It was also withdrawn so I do not believe We should face the same consequences as a person or people who have filed and gone to discharge on their bankruptcy. This invalid information is causing us harm and making it impossible for us to move forward with our financial future. We have been denied credit repeatedly because of this bankruptcy. I believe this also should have been removed in XX/XX/XXXX when all credit bureaus agreed to remove public records. 
Can you please investigate this and help me get this removed from our credit reports.

Company response to consumer: Closed with explanation