BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
i have contacted Trans union more than once probably about 10 letters, last i call them which is very hard to get anyone to answer their number..i question about an indentity theft alerts i saw on my credit report at that time they told no such statement was there and they had removed it..today i received a post card saying they had place by my request..BIG LIE!! i contacted them via phone asking to remove an alert that was place with out my knowledge and permission as identity theft, i was told it was not there again, they had place an alert when i never requested to be put on, which they lied to me they told me it was nwever there, as well, they have refused to removed address that dont belong to me, i never lived 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 non-monetary relief
Consumer complaint received 2020-08-03
Company: EQUIFAX, INC.
State: LA
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 been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX   XXXX {$1400.00} XXXX XXXX XXXX {$420.00} XXXX/XXXX XXXX {$700.00} XXXX/XXXX   XXXX {$630.00} XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX {$700.00} XXXX XXXX   XXXX {$250.00} XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX XXXX {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: Experian Information Solutions Inc.
State: WA
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:
I have asked Experian to provide copy of sign agreement, applications, and any other documents that show three accounts are being reported accurately. Experian said each account was being reported accurately, but never provided any documents to prove so and all three accounts still show inaccuracies listed below. 
Dispute Letters Sent : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX o Inaccurate Date opened, conflicts with XXXX and XXXX o Inaccurate Contact Information for address, conflicts with XXXX and XXXX  o Says Payments were made on to creditor on XX/XX/XXXX and XX/XX/XXXX and also reported it was charged off. I never made payments to XXXX XXXX XXXX   on those dates and how can payments be made to a charged off account? 
o Reports {$0.00} high balance, XXXX reports {$450.00} o Theres an XXXX month gap between date opened and first month reported, what documents with my signature or application were provided to verify account before being reported. 
o Failed three times to provide copy of signed agreement to show theyre allowed to report account per section XXXX XXXX XXXX XXXX o Inaccurate Date opened, conflicts with XXXX  o Inaccurate Contact Information for address, conflicts with XXXX  o Reports {$0.00} high balance, XXXX reports {$240.00} o Reports failed to pay on XX/XX/XXXX, XXXX reports Paid as agreed o Failed three times to provide copy of application, signed agreement, and all other documents to show account is accurate per section XXXX XXXX XXXX XXXX XXXX XXXX o Inaccurate Date opened, conflicts with XXXX   o Inaccurate Contact Information for address, conflicts with XXXX o Reports {$0.00} high balance, XXXX  reports {$590.00} o Reports failed to pay on XX/XX/XXXX and XX/XX/XXXX, XXXX   reports Paid as agreed o Failed three times to provide copy of application, signed agreement, and all other documents to show account is accurate per section XXXX Conclusion : Experian has failed three times to accurately verify the account or never attempted to verify account

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 2017-09-16
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Target card # XXXX XXXX XXXX XXXX I was laid off work so fell behind on payments ... Do not receive monthly statements but u suppose they could send notices when you fall behind ... 
Even trying to log on online I was denied cause account is no longer with them.. Its collections now.. Collection agency has not send any notice by mail either..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is not my debt. Initially, I received notification pertaining to five separate accounts from Midland Collection agency/Midland Credit Management. For each of these, I sent letters to MCM requesting GAAP debt validation. I never received any documentation in response to any of my five separate debt validation requests requesting GAAP, which in researching this company further with the XXXX XXXX XXXX, seems to be a common practice for this company to not respond to debt validation requests. Despite not following FCRA laws, they have continued to make collection efforts, including reporting this to the credit bureaus, which they are not legally allowed to do without proper validation/GAAP.. I recently disputed this with XXXX. In response, Midland MCM responded to them and said this debt is valid and sent me paperwork which is just their own claims that I owe this debt, no paperwork showing they have any authority to collect this debt or that I ever owed this debt to the original creditor in the first place, there is no documentation from the original creditor at all to support that this debt is mine or that this debt ever truly existed or that this amount is accurate and the letter I received indicated I do not have any of these original credit accounts on my credit report. It is my further understanding that a California agency XXXX has filed a lawsuit against this company for illegal collection practices such as collecting on invalid debts, never providing proof of debts, never having adequate proof of debts. 
To be clear, this is not my debt, I am not acknowledging this debt, Im asking for assistance in getting these five collection items removed from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-10
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I was scammed by a person who offered to rent me a house in PA after my posting on FB, and after I transferred money on XXXX, the person disappeared. They sent me an invoice for my payment, but never provided me with the exact address for the place and ceased all the communications with me. I paid {$1000.00} and have a proof of the payment and that person never provided the location of the property. 
I contacted TD bank to get the money back since they have the transaction recorded, but they did not help. Trace number of the transaction is XXXX from TD bank to the XXXX XXXX. 
If TD bank has XXXX XXXX, there needs to be a consumer protection in place. I only did the transaction knowing

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: U.S. BANCORP
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:
car company charged me online, and gave me quoted price of XXXX $ for a car. 
then i got there and they said they are not affiliated with the online place. but they put the XXXX $ toward a much larger charge, lying and proving they were affiliated with them. 
they took cash for the difference, and ran my cc for " authorization '' in case i wrecked the car. 
then they wrote down the cc number, and when i left the country, charged me almost XXXX $ fraudulently. 
I wasn't even in the country anymore and never signed to authorize any such charges. 
I reported this to the cc company and faxed them a receipt of the cash payment i made, showing they wrote down the card number. and that the charge was marked as authorization/delayed charge. 
The cc company said they couldnt read it. i faxed it again. again teh same guy said he couldnt read it. i told him to give me an email or digital method to send it and he refused. 
then he hung up on me. 
i then got a call and voicemail saying on friday night like XXXX that if i didnt mail it and he had it by sunday, that he would close my file and deny my fraud claim. 
i called and spoke to a supervisor who said i wouldnt have to deal with him anymore. and they would have a supervisor call me back. they never did. instead i mailed in the document and got three letters from the first guy first claiming he didnt get the faxes, then claiming he got them and it was illegible, then claiming something else. all three letters were contradictory to each other. so i called again and a supervisor " took my complaint '' and said i wouldnt have to deal with that guy anymore. and a supervisor would call me back.

i got a call from a supervisor who claimed i hadnt sent in enough documentation and that they were denying my fraud complaint. then i got a letter saying that the documentation i sent was outside the time frame to assist me, even though i sent it three times and it proved beyond a shadow of a doubt that a ) the car company lied about the charges, lied about affiliation with the online place, overcharged me while i was there, and then double charged me on my card later. 
either way, this is a fraudulent charge and they are trying to make me pay for 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 non-monetary relief
Consumer complaint received 2020-05-25
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint Mortgage is clearly trying to defraud me out of money. We had our mortgage through XXXX XXXX. They sold our mortgage to ShellPoint. We have a fixed rate, and our principal/interest payment has always been XXXX per month. We have since escrowed our homeowner 's insurance, which should be XXXX per month. Shellpoint has taken this opportunity to steal money from us. Our mortgage should be XXXX and that is what it was when we had an escrowed homeowner 's insurance through XXXX XXXX. We called our homeowner 's insurance company and they verified for us that our annual payment is XXXX. Divide that number by XXXX, and you get XXXX. Simple math ... Shellpoint is literally stealing from us. I want to file criminal charges against them. How can I do this?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: Specialized Loan Servicing Holdings 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: Account status incorrect

Complaint:
I applied to forbearance with SLS - Specialized Loan Services ( my mortgage financial institution ) in XX/XX/2020, for six months, then in XX/XX/2020 my economical status change and contacted them in order to suspend the forbearance and resume payments, but then immediately I was reported as delinquent such action impacted negatively my credit by more than 200 points ( from XXXX XXXX XXXX ), I understand I should be protected by the CARES act by law, I contacted the bank twice but was told that there is no action from their side. I kindly ask your support to amend such situation

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 2020-09-09
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: Old information reappears or never goes away

Complaint:
XXXX continues to report the XXXX XXXX account XXXX as derogatory charge off over seven years later. This reporting is 10 years old and the account was open in 2008, 12 years ago!!! 
Despite multiple dispute attempts and countless phone calls XXXX   has refused to remove the egregious information. XXXX XXXX is also reporting the egregious information to the other CRA 's Transunion and 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 2021-03-03
Company: Paypal Holdings, Inc
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
PayPal cash plus Limited my account I submitted requested info immediately ... after five days and no contact they then closed my account I have called an emailed and they do not care that I can't access my paycheck and I am now about to be evicted from my home

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-29
Company: Navient Solutions, LLC.
State: TN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Through the years and countless times we have discussed my situation why I was not able to pay any money because of my illness. In XX/XX/2015, I had XXXX to remove a XXXX from my XXXX  and was no longer able to work. I told them this several times, but they continue calling and asking me for money that I don't have. I am still under doctors care.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: Diverse Funding Associates LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have made several attempts to contact this collection agency. I called the following numbers : XXXX, XXXX, XXXX, XXXX AND I also sent a message on the website XXXX requesting a call back to discuss the account.

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 2020-11-23
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: Information belongs to someone else

Complaint:
I have tried to use the XXXX  site to obtain my reports and none of the companies will allow me to obtain such report online. Called the number to address the problem only to find out they are indicating my first name is not what I know it to be. Tried to address this problem only to find out I can not talk to a live person to get it resolved. Finally called Transunion and got to talk to a live person named XXXX, on XXXX XX/XX/2020 approximately XXXX hours ; he said he could put on a freeze for Transunion only, said please do this. However, this whole situation is cause for alarm for both my husband and me. My husband has already filed reports with FTC, Transunion, and local police for data and information that is fraudulent on his reports.

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 2020-07-07
Company: U.S. BANCORP
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
US Bank received duplicate payments for a car lease and will not refunded the customer payment. 
XXXX  Per US Bank policy, the pay-off amount must include all monies owed as of the pay-off quote date. 

Therefore the pay-off quote dated XX/XX/XXXX would also include the XX/XX/XXXX customer payment due of $ XXXX, which US bank received that payment the day after the pay-off quote on XX/XX/XXXX. 

US bank also accepted the original pay-off quote amount of $ XXXX on XX/XX/XXXX, which was within the quote expiration window of XX/XX/XXXX. 

As a result, the XX/XX/XXXX payment was payed twice : -Once as a customer payment of $ XXXX on XX/XX/XXXX -Once in the pay-off of $ XXXX -- - Quoted on XX/XX/XXXX, Invoiced on XX/XX/XXXX, Account closed on XX/XX/XXXX Documentation for all of the above transactions was provided to US Bank in XX/XX/XXXX and 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 monetary relief
Consumer complaint received 2022-08-31
Company: Experian Information Solutions 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:
My identity was used without my authorization and or knowledge to open an Auto loan with XXXX XXXX XXXX XXXX. These accounts were open fraudulently. I have tried to contact the bank and resolve this account but have been unsuccessful.

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 2021-03-02
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a MORTGAGE with SHELLPOINT MORTGAGE SERVICING of a VACATION HOME in XXXX XXXX XXXX XXXX, XXXX - FL XXXX. Loan ID : XXXX. 

Vacaytion Homes in Florida was really impacted by the shutdown and covid situation. XXXXXXXX XXXX and airport were closed. All the houses was closed by the FL State. 

I called a lot of times to SHELLPOINTS asking to a releef because we didn't have guests at the houses. The Mortgage didn't reponse, when reply my request just gve one month of releef. 

I paid a lot of fees because they usually to reply weeks with delay. 

Otherwise, the MORTGAGE company REPORT lates caused by them. They was forcing me to make an additional mortage at the house, even when i asked to pay inn full the amount due. 
I could not wait more and i SOLD the house, because the ammount due was impacting me and the COVID impacted more. They didnt give me releef, even others mortgages were helping the borrows.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
The company lead my account to repossession because they believed that the payment was missing and it was their own responsibility and duty to address the payment issue when the payment was on autopay each month for the car loan

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On XXXX I received my Hyundai Lease statement to discover a Sales/Use Tax of {$16.00} billed to my account. I called Hyundai Lease and they could not explain why this sales tax was applied since my vehicle lease is now 2 years and 6 months old and will expire in XX/XX/XXXX. 

I never received any documents to show a reason for this tax being applied to my account. My lease payment of {$220.00} monthly already includes any sales tax since my start of my lease. 

I had a similar sales tax/use tax applied in XXXX of XXXX which led to a civil lawsuit filed with the XXXX XXXX XXXX XXXX, which the court awarded my the Sales Tax fee reversed and other fees paid my Hyundai Lease. A year later and the same circumstance is now occurring which again appeared that I will be forced to request assistance from the court again due to lack of customer service by Hyundai Motor lease.

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 2021-02-24
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have tried multiple times to dispute this collection put on my credit report to no avail. 
I sent out a request for validation months ago and no one got back to me, I received no response from XXXX XXXX XXXX or Experian showing proof or validation of this debt. Yet Experian said its valid and still reporting to credit report. 

I have not been supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

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 2020-11-30
Company: Merchants and Professional Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I requested validation of debt, but : 1. Never received validation or reply from them 2. Name on their letter doesn't match my name 3. They reported to credit bureaus without validation of debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation