BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-15
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:
THE DISPUTED ACCOUNT DOES NOT BELONG TO ME, THIS ACCOUNT IS AN UNAUTHORIZED ACCOUNT THAT IS CURRENTLY REPORTING ON MY CREDIT FILE. PLEASE LOOK INTO THIS MATTER TO HAVE THIS ACCOUNT REMOVED OFF MY CREDIT FILE. THIS ACCOUNT DOES NOT BELONG TO ME AND IT HAS BEEN CAUSING A TREMENDOUS HARDSHIP ON MY CREDIT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: Square Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/19 a cash transfer of {$250.00} was sent from my debit card account name XXXX XXXX to an unknown person XXXX XXXX name shown is XXXX XXXX though cash app. Once I saw the transaction, I called the bank to stop it and they said because it was pending they can not do anything until it actually posts. So on XX/XX/19 my Girl friend went under my cash app and canceled the transaction which still said pending on cash app it gave me a transaction number. Someone informed me that cash app would refund the money to me within XXXX days it actually says it on its app. Here we are on XX/XX/19 and I have still not gotten my money back from cash app. I have had to cancel my debit card on XX/XX/19 so that this can never happen again. there is no email to contact cash app on, no telephone number all it gives you is a customer support link which send you a pin number that takes you no where on their app. I refuse to lose {$250.00} when I followed the instructions to cancel the transaction. The money was never accepted thank XXXX so I was able to cancel it but now we are at day 9 with no refund in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: WINN LAW GROUP, APC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I was mailed a judgement this weekend. The judgement was for a credit card I shared with my ex husband over 10 years ago. He agreed to pay this debt in our divorce. I have not received any collection notificAtions or a summons to court in regards to this matter. I was simply served a judgement. The account is so old it does n't even show on my credit report so I can obtain the date the card was closed. It is far beyond the statute of collections as per the California site I looked into. I am not sure how they can enter a judgement without my presence or notification on a debt so old I ca n't even get information regarding it 's validity. For all I know my ex husband paid it years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: BlueChip Financial
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was approved for a payday loan with blue chip financial/XXXX XXXX..InXX/XX/XXXX for XXXX dollars.. This company violated section 3-3 ( a ) of the payday loan reform act in the state of Illinois which clearly states for a business to act as a payday lender in the state of Illinois, this business must be licensed with the department of financial and professional regulation which this company is not. XXXX further violated section 1 of the payday loan reform act by offering, making or arranging payday loans to consumers to state of Illinois without obtaining a nd applying for the required license by the Illinois department of professional regulation therefore making this loan illegal in the state of Illinois.This company further violated a cease and desist order which was issued on XX/XX/XXXX which states the spotloan will cease and desist collecting on any payday loans given to consumers on or afterXX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: NAVY FEDERAL CREDIT UNION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
For the record ... Due to a hardship years ago I fell behind my mortgage by 2 months. It remained that way for years. My town taxes went up by {$47.00} Without my knowledge. Which caused my payment to go up. I didn't know it and sent in the normal payment which 2 weeks later was returned to me as a non full payment and a letter stating I'm now 3 months behind and they want to foreclose. Instead of asking me for the extra {$47.00}. Not to mention a week prior they also returned {$150.00} to me from escrow from previous overpayments to them. 

I've offered many times over the years to bring my mortgage to date if they would remove the ridiculous late payment fees from years ago. 

Every time they tell me No they won't and I'd have to redo an entire 30 year modified mortgage with them to do so. 

The lender, Navy federal credit union, has since put all payments into a suspense account. 

Now I've told them for years before this that I would bring the mortgage current if they worked with me to wave some or all of the mounting late fees. I've explained in full detail many times what the hardship I had was and that I am a XXXX XXXX XXXX veteran XXXX campaigns. The very people they claim to go out of their way for. 
They caused this situation and need to fix this situation, with my help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: TD BANK US HOLDING COMPANY
State: NY
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 following debit card transactions of withdrawn money were made without my knowledge : 1. On XX/XX/21, {$1000.00} was withdrawn from my account at XXXX XXXX XXXX, XXXX. 
2. On XX/XX/21, {$250.00} was withdrawn from my account at XXXX XXXX XXXX, XXXX. 
3. On XX/XX/21, {$1000.00} was withdrawn from my account at XXXX XXXX XXXX, XXXX. 
4. On XX/XX/21, {$250.00} was withdrawn from my account at XXXX XXXX XXXX, XXXX. 

I reported these transactions to TD Bank, at XXXX XXXX XXXX, XXXX. TD bank wrote a statement in-house.TD bank did not credit back my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: Specialized Loan Servicing Holdings LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019, I received a notification via US Mail from XXXX XXXX that they were transferring my home mortgage to SLS, Specialized Loan Servicing effective XX/XX/2019. On XX/XX/2019 SLS notified me that due to an escrow shortage, my monthly mortgage payments would be increasing from {$2400.00}, ( which I had been paying to XXXX XXXX ), to {$3100.00}.

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 explanation
Consumer complaint received 2019-10-15
Company: Nelnet, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 180 days late payment on the dates XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: EQUIFAX, INC.
State: WY
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: Problem getting your free annual credit report

Complaint:
Equifax denies my wife and me the opportunity to get annual free credit reports. Their published phone contacts lead to a maze of voicemail options and inevitably an " ID verification. '' For some unstated reason I can not get verified and get disconnected. No explanation is given. The online chat function only provides phone numbers that lead to the same ID verification. Though given a 10 digit pin, which I have recorded, I am never permitted to use that number to manage a freeze in effect. I am being denied the opportunity to lift the freeze temporarily.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-15
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
These accounts doesn't belongs to me. 

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 explanation
Consumer complaint received 2018-01-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
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:
I WAS CHARGED FOR TRANSACTIONS THAT I DID NOT MAKE OR AUTHORIZE AT ALL. THIS WAS ALL DONE THROUGH MY XXXX XXXX   ACCOUNT. I REACHED OUT TO THEM BACK WHEN THIS HAPPEN AND THEY DID NOTHING FOR ME. SO WHEN I RECENTLY CONTACTED THEM AGAIN WITH MY FRIEND THEY SAID THAT THE CHARGES WERE TOO OLD AND THEY COULDNT HELP ME. THIS MONEY WAS STOLEN FROM MY ACCOUNT AND THE CREDIT CARD REP TALKED TO ME SO RUDE AND MEAN TELLING ME IM TOO OLD TO REMEMBER AND I DID MAKE THIS CHARGE AND JUST BEING NASTY TO ME. IM XXXX AND THIS IS SO UPSETTING TO ME. PLEASE HELP ME. I WILL LIST ALL THE CHARGES THAT WERE MADE ON MY ACCOUNT. 
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX PLEASE HELP ME GET MY MONEY BACK

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: Experian Information Solutions Inc.
State: WA
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 submitted a dispute in XXXX XXXX, 2021 and never was given any information. On my credit report Experian and XXXX are reporting that XXXX 's XXXX was over 30 days late multiple times. I have my transaction history to prove I wasn't late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: CCS Financial Services, Inc.
State: CT
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX claims I owe XXXX to XXXX, this amount was paid prior via a XXXX XXXX money order which was mailed several weeks ago. It appears payment was either lost in the mail or credited to incorrect account, I do not have receipt to show it was cashed as payment was sent several weeks ago and the receipt subsequently discarded. Also, I have not received payment from XXXX for a claim I filed while I had coverage, I believe the amount owed to me is over 300. I think it is absurd to expect payment when they have not paid me for my claim. In closing, please advise CCS of this information and I'd also like to confirm they are the in house collection agency for XXXX XXXXl.. Several XXXX XXXX   reps have stated that CCS is their in house collections agency and I do not believe this is true for several reasons. First, CCS lists a different address and number than XXXX XXXX. Second, I know other companies use CCS for collections such as XXXX and XXXX. It appears the reps I spoke with lied in order to claim they are owed on prior policies which are either several years old, invalid as they were supposed to have been canceled prior to additional coverage, sold off to CCS.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: Synovus Bank
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Dear, Today XX/XX/2019 on XXXX I just got off the phone with a disrespectful Supervisor at XXXX XXXX  named XXXX . 

We had been aproved for a XXXX XXXX in XXXX and only needed to send XXXX XXXX proof of my identity. 

On XX/XX/XXXX I spoke with a XXXX XXXX  phone rep who provided me with what she told me was the XXXX XXXX XXXX XXXX XXXX which I needed to send my paperwork to. However, this address was wrong and we received the envlope with our paperwork returned to us by USPS XX/XX/XXXX. 


We called XXXX XXXX on the XXXX and were told to resend the paperwork to another address. 


XXXX XX/XX/XXXX we called XXXX XXXX again and spoke with the above XXXX XXXX. He behavior was awful, disrespecting us by playing a dodgy game. Every time I would mention that we had been given the innaccurate address by a rep from her Dpartment oon the XXXX of XXXX she would completely ignore this fact, or even XXXX in interrupting me mid speach to repeat that we had been given an address by a different department on the XXXX. She had no desire to show XXXX XXXX 's customers any respect, help resolve the issue in any way, nor admit any fault by her depart whcih she is overseeing in any way. No help was provided by her as she had no desire to admit or help with our problem caused by one of her staff.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: KEYCORP
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I used to have my mortgage through XXXX XXXX but KeyBank took over its operations last year. After the takeover, I did n't update my payment information for my online checking account. I made a payment on-time in XX/XX/XXXX ; however, my bank sent the check to KeyBank 's XXXX location ( where XXXX XXXX was headquartered ). KeyBank sent me a letter telling me payment was late. When I called to explain what happened, I was told to call my primary bank ( XXXX XXXX XXXX ) and order it to cancel the check. Thereafter, I had to issue a new check to Key Bank which I did right away. I asked the agent if a late fee would be assessed and he said he would look into it and note my request on the file. I said that I would n't think a late fee was fair as I obviously tried to pay on time and could document that effort. I have no other history of late payments. KeyBank ultimately did charge me a late fee of {$67.00}. I called on X/XX/17 asking to have this removed and was told that it would not be removed as I should have updated KeyBank 's payment information. I only made 1 payment late ( the payment at issue ) and am upset that given the error was because of a corporate takeover, the fee is not being waived. Because of this fee, I suspect I will not be able to get PMI waived when the mortgage value reaches 80 % ; I estimate this will cost me $ 1k - $ 2k.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-26
Company: ALLY FINANCIAL INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Ally Financial continues to call my cell phone. I have not business with Ally Financial at all. I have been receiving calls from Ally Financial on my cell phone for at least 6-12 months, but most recently the call volumes have increased to the point of being very disruptive and frustrating. Since the beginning of XXXX I have documented 16 calls and have called Ally Financial 3 separate times ( XXXX at XXXX CT, XX/XX/XXXX at XXXX CT, and XX/XX/XXXX at XXXX CT ) asking to remove my number, as I have not business relation with their firm. I informed them that the number they are calling is my cell phone number and they do not have permission to call. Here are the dates, times, and inbound call numbers identifications associated with the Ally Financial phone calls : XX/XX/XXXX, XXXX CT, XXXX XX/XX/XXXX, XXXX CT, XXXX CT, XXXX CT, XXXX XX/XX/XXXX, XXXX CT, XXXX XX/XX/XXXX, XXXX CT, XXXX XX/XX/XXXX, XXXX CT, XXXX XX/XX/XXXX, XXXX CT, XXXX CT, XXXX CT, XXXX CT, XXXX XX/XX/XXXX, XXXX CT, XXXX XX/XX/XXXX, XXXX CT, XXXX XX/XX/XXXX XXXX CT, 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 2021-09-12
Company: WSFS FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX XXXX aka : WSFS XXXX has opened a credit card account under my name without my consent. I reached out to them to resolve this matter however, they refuse to remove this account, and tell me how this credit card account was opened under my name or even disclosed their location. Please investigate this company and find out why they are opening accounts without the consumer 's consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: Experian Information Solutions Inc.
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
company name is XXXX XXXX XXXX XXXX. this company is claiming i owe them four different credit card accounts. 

which are listed on my credit report. I've been back and forth with them almost a year disputing these amounts and requesting proof of debt.until this day i have not received. this company is falsely stating on my credit report report that the debt has been verified which has not been. i have disputed with all credit bureau 's and because of the false information written on report the credit bureau do not go further with investigation. I've sent another letter today to all credit bureau and including debt collector once again asking to verify debt for all four accounts. i would assume if i don't receive notice within 45 days as stated by the law that this should have been removed by credit bureau. all i'm asking is for some help in clearing up this mess on my credit report. thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit 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:
The sales associate charged our account for our jewelry purchase of {$630.00} and did not add the deferred interest promotion. He said he would call and have it fixed and have the deferred interest promo added to the purchase. He re-charged our account for {$630.00} on XX/XX/18 with deferred interest. We have 2 charges for {$630.00} on XX/XX/18. One had the promotion and one did not. The first purchase without the promotion must not have been taken off because we are being charged interest on it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
Date Opened : XX/XX/XXXX Creditor : XXXX XXXX XXXX, aka " XXXX '', aka " XXXX XXXX XXXX '', aka, " XXXX XXXX, XXXX '' High Credit : {$20000.00} Bureau Code :  Co-Signer Collection Agency : XXXX XXXX XXXX XXXX Issue # 1 : The creditor is reporting the same ( {$20000.00} ) account twice. There was only ( ever ) one loan, but the creditor is reporting as if it's two separate loans/accounts. 

Issue # 2 The account was opened in XXXX, went delinquent, and ultimately the creditor obtained a court judgement in XXXX. I'm under the impression that negative accounts could only report for 7 years. If this account was bad in XXXX ; why is it still reporting on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
i had credit card and loan to bank but on 2013 i could not pay so i got debt consolidation agency i started paying on XXXX and finish on XXXX and they sent me a certificate .which says i am debt free. But on XXXX they sent me a letter which says the credit card is not paid and the debt is sold to XXXX XXXX this agency sent me to the court on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX/XXXX  XXXX requested company verify the debt ; company could not verify the debt.

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