BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-16
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
they started all this XX/XX/XXXX, I have talked to synchrony bank many times I had first talked to an XXXX on XX/XX/XXXX and then XXXX after that I let them know that I am in very very financial hardships due to have XXXX to pay for and meds to pay for they have also told me on that day that I would have to pay to close the accounts I have never heard that in my life, these are supposed to be there programs to help people that doesn't help anyone especially someone that is sick, I have asked them to stop calling me and they continue to repetitively call many many times a day and harrarss me, even after telling them to stop.They have only sent out one letter to me that has the amount of which I just received on XX/XX/XXXX, I did send a cease and desist letter on XX/XX/XXXX and they received it on XX/XX/XXXX @ XXXX and I asked for a return receipt and they have still continued to call the next day many many times after receiving the letter. I have tried to work with them and they did not want to work with me I just want my accounts closed and I don't want to have to pay for them to be closed. This is ridiculous and I can see that they do this to people all the time. They are making me sicker then what I am, which is not good. I have never had bad credit or any problem with any business. If I have anything to say people will know about this .They also want to tell you where to pay your money to like interest and fees, which that can't be done if I am going to pay money you can not tell me where I have to pay it too! Please help someone that is going thru sickness and they just keep punching them and kicking them when they are down.. sorry if it's jumbled but I am so mad I am even having to deal with this right now. I really don't even want to have to talk with them if that is possible

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 2019-06-18
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2019 a withdraw of my personal checking account was authorized without my permission. I was hacked and had to change my account number. The total was {$2900.00}. The name appeared was XXXX XXXX and XXXX XXXX on 3 different transactions. I was not the one making these withdraws and would like my money back. Thanks XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-07
Company: TD BANK US HOLDING COMPANY
State: NV
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 happened to check  XXXX   XXXX  and behold, an account that I had not opened showed up on my credit report. One week after that I was delinquent {$410.00} and now that reflects on my current credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
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: Information belongs to someone else

Complaint:
I recently received my credit report and noticed fraudulent accounts & fraudulent inquiries. I HAVE REACHED OUT TO THE COMPANIES & ALL FRAUDULENT ACCOUNTS AND ALL FRAUDULENT INQUIRES AND THEY TOLD ME TO CONTACT THE CREDITORS. I DID THAT AND THEY DID UPDATE. I Filed an FTC Report. Please remove all non account holding inquiries and fraudulent accounts as in they're not mine. 

XXXX, XXXX XXXX XXXX XXXX XXXX ARE NOT MINE ALONG WITH THE INQUIRIES LISTED IN FTC 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 2020-02-16
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
this is a mortgage company I never had a mortgage in my name they or asking {$69.00} dollars I like this off 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 2019-06-18
Company: Experian Information Solutions Inc.
State: GA
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:
Experian is showing 4 inquires to 4 mortgage lenders in which I have never authorized to obtain my report nor did I apply for a mortgage loan. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXt XX/XX/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 2021-10-14
Company: I.C. System, 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: Information belongs to someone else

Complaint:
I tried to contact the lenders they said they could not do anything as the accounts were sold off to debt collectors even though they did not belong to me, They said to contact XXXX and have them removed. I did exactly that now I need to put in the report to block the lenders from reporting someone else 's information onto 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 2020-11-23
Company: EQUIFAX, INC.
State: FL
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16
Company: Brown and Joseph, Ltd
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Brown & Joesph is Pursuing and alleged collection for a XXXX XXXX   XXXX-XXXX  for an original Balance ( allegedly owed ) for {$130.00}. 

We have disputed the alleged debt for {$130.00} about 5 times ( with Proof ) and Brown & Joseph is sending collection notices on a Debt that is not owed for {$130.00} plus their fee. 

Below and Attached is our Dispute letter that XXXX received from me 3 times, in XXXX, XXXX and XX/XX/2019 with proof including a Copy of the Refund check and the email explaining that our Refund on a Pre-paid shipment in XXXX for {$130.00} was being mailed. 

XX/XX/2019 XX/XX/XXXX, XXXX We sent this letter to XXXX twice and they ignored it. 
And XX/XX/2019 From- XXXX  , XXXX XXXX XXXX, XXXX , VA XXXX TO : XXXX XXXX BILLING RE : XXXX  XXXX Your billing system is sending us an invoice for the - {$130.00} refund check that you elected to repay us for the service failures at the delivery. 

The attached alleged invoice for the same amount, {$130.00} is therefore disputed as not owed. 

Thank you for your help. 

- XXXX XXXX ( XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07
Company: DISCOVER BANK
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Back in XX/XX/XXXX, I started to pay for a XXXX trip with XXXX. I finished paying for it in XXXX. Unfortunately in XXXX XXXX stopped operations and cancelled all trips without refunds. They told people to contact their banks for refund. XX/XX/XXXX I contacted my bank XXXX and was told it wouldnt be a problem to do the dispute at first and later was transferred to someone else and told it can not be done. I cant contact the merchant at all. I have trusted XXXX to help me but they refused numerous times. I dont believe they have done all they could for me because i know if it was them or a family member who lost their money with a company they would fight to get it back. I still dont understand why im not protected from this transaction when i cant reach the merchant and have lost {$1000.00} when I have no product or services. I feel like that transaction was FRAUD. I have seen numerous people get their money back from XXXX due to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX is reporting a tradeline that I never applied for to my consumer credit file. I never authorized an account with XXXX XXXX XXXX nor was I aware that an account was ever opened in my name. XXXX XXXX XXXX is in violation of the FCRA by reporting this tradeline to my consumer file as I never agreed to any line of credit with XXXX. In accordance with FCRA Section 609 I am requesting all contractual documents stating and proving that I am responsible for this account and that I agreed to and authorized such an account. I can not see any type of account number listed for the tradeline on my credit report. Remove this erroneous tradeline immediately as this is a complete violation of the FCRA. XXXX XXXX XX/XX/1980 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: EQUIFAX, INC.
State: MA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: I.C. System, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently went to the police department to complain and file a report. They asked if before I went further with the report, that I can bring in solid evidence that my identity had been compromised. I then reached out to the bureau 's as well as the original credit numerous times, no documentation provided. 
Please note, the few times I've reached out it's been in seek of not just an itemized invoice. 
I then recently sent them my FTC report, it's now the 52nd day and no response. I, unfortunately, did not record the login information and had to update it today. 
I have no relationship with this collection agency or creditor and this is not my debt. I received no right to dispute, anything! It just appeared on my credit report. I've lived at the same address for 6 years, nothing has come to my home. Full violation of 609 and 823, as well as the FCRA that requires they respond to my FTC affidavit. I say all of this with humility.

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 2022-03-03
Company: Experian Information Solutions Inc.
State: IA
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 sent a letter to the credit bureaus requesting for them to update items that were incorrect on my credit report more than 30 days ago, I have not gotten a response. 

Hard Inquiry XXXX on XXXX Please remove this inquiry as I did not authorize this Account not mine XXXX : Account showing delinquent status XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 -- showing charge off- this account does not belong to me, please remove this incorrect information

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 2020-02-16
Company: CITIBANK, N.A.
State: PA
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 contacted Best Buy Credit Card and notified them that I had an authorized card that was open up and was not me But i was the authorized for the account. It was a Trade-name that was being used which is unlawful, I had also written them a identified that this was a serious -error that i needed this matter to be corrected immediately. On XX/XX/XXXX I sent them a lawful order letter called a notice of error which was received by the alleged creditor by certified mail. I also told them to transfer me to the fraud dept to report the card as fraudulent which is was and told them that it needed to be corrected immediately which it hadn't. 

I spoke to their fraud dept and they gave me a case number and a told me that they were investigating it. 90 -days past so i contacted them again and nothing was done. I spoke to their dept called the CAA dept ans made a complaint again and reported it as fraud On XX/XX/XXXX. The rep representative told me that he didn't see any record of my previous complaint so he would have to make another complaint. This process took approximately four hours. This account is not in my name it's a fictitious -name i do not have any record of it and i don't know who this person is which is why i reported it as fraud in the first place. Using a fictitious in commerce is fraudulent, and there are several contractual defects associated with this matter. I called wrote letters they never fixed anything or did anything about it whatsoever. 

I also reported the account to the credit bureaus as well, nothing is getting done. I feel like im getting the run around and i need you to look into this for me please.

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 2017-11-13
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I can not get assistance from Caliber Home Loans to address my payment transactions. I have paid my mortgage payment every month. I do not pay monthly, I split my payment and send money orders in twice a month. I pay more than required.
I have asked Caliber in writing and over the phone on numerous occasions-Certified Return Receipt Mail to change my address to my correct mailing address which is my home-the property which I have a loan on.
They have refused to change my address. All of my mail goes to my mother 's address which is where I lived before I purchased my home.
No matter what, they refuse to change my mailing address and they return my payments to my mother 's home which I have no knowledge of until I go to my mother 's home and sift through the junk mail.
The only time I get any resolve is when I overnight letters and payments to the overnight address in XXXX. I wind up putting all the returned money orders and send them directly to the overnight address. But I work long hours and can not always get inside the post office to send a Return receipt overnight package. It 's easy for me to just drop it in the mailbox.
Caliber can see the actual dates of my money orders and the amounts. I have proof of every payment-I pull the money directly from my account on my payday.
My money orders are issued during the same month that the payment is due. I may not pay by the XXXX, but I pay before the month is out-splitting my payments.
I tried to set up my account for automatic deductions from my checking account but the system would n't allow me because it said my account was n't current.
I currently owe for the month of XX/XX/XXXX, but before I send my payment out, I would like help from someone at Caliber to go through my account and change my mailing address.
My taxes and insurance should be paid from my escrow account and my insurance agent just emailed me on XXXX XXXX, 2017 to tell me that my insurance policy was n't paid for by my mortgage company.
I need help. I am very very frustrated. I only owe for the month of XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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 customer service

Complaint:
The credit card company, Bank of America, received a payment for the balance and this account and then we requested the account be closed. Bank of America received a second payment in the amount of {$2400.00} from XXXX XXXX in error. The account is currently reflecting a credit balance and Bank of America is stalling and screwing around, taking their time getting this money back to me. They have now had a credit on a closed account since XXXX/XXXX/17 and the funds still have not been returned to me. They have told me it could take up to 60 days which is unacceptable as they are making interest on money not due 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 monetary relief
Consumer complaint received 2019-06-15
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX, we entered into an agreement with our mortgage company, XX/XX/XXXX ( XXXX XXXX ) to begin a three-month forbearance on our mortgage due to Hurricane Irma ( XX/XX/XXXX ).  We signed a Mortgage modification agreement with XX/XX/XXXX that changed our mortgage payment from {$2500.00} to {$2700.00} and extended the maturity date from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. On XX/XX/XXXX, XX/XX/XXXX sold our load to Shellpoint mortgage. Shellpoint immediately placed our account in loss mitigation and began charging late fees for what they disingenuously interpreted as three unpaid months. This was a clear violation of the modified mortgage dated XXXX XX/XX/XXXX ( MERs No : XXXX ) sold to Shellpoint. 
In XX/XX/XXXX, Shellpoint reported to the credit agencies we are over 180 past due and owed {$34000.00}. This is an injurious falsehood that may have been perpetrated to pressure us into signing a document against our best interests. 
As a XXXX XXXX XXXX  XXXX XXXX and my wife a XXXX   XXXX, an erroneous entry into our credit reports not only threatens our ability to acquire credit, but also our security clearances and therefore our livelihoods. Shellpoint appears to be attempting to bully us signing a new document to our detriment. When Shellpoint acquired our principle was approximately {$410000.00}. Shellpoint is now proposing a new modification a year later with a principle of {$420000.00}. Despite not missing or being late of a single payment, Shellpoint sees fit to charge us at a minimum an addition {$7000.00}. We consider this a very serious matter and a fundamental violation of consumer rights and protections

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16
Company: BARCLAYS BANK DELAWARE
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
" New Issue '' Barclay sent me statements I have reviewed the statements and highlighted areas of unauthorized charges on the cards that were taken used without my permission or consent. I informed the police department when all this occurred and the fact my life was threatened during this time and for safety reason stopped residing in my own home for the last 18 months.

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 2022-03-29
Company: AMERISAVE MORTGAGE CORPORATION
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX, XXXX XXXX ( a loan officer at Amerisave ) suggested me to pay a rate lock fee of {$500.00}, suggesting that he was locking my rate at 3.99 % when in reality he locked me at 4.5 %, He used deceptive tactics and hid information from me. After that he sent me the details, upon reading which I realized what had happened. I contacted him next morning complaining that he had mislead me and I want a refund. He said he can do that. After several email exchanges he told me on XX/XX/XXXX that he has requested a refund for me and the refund should hit my account in few days. He didn't provide me any proof, neither I got any confirmation. I haven't received a refund yet as of XX/XX/XXXX and he has stopped taking my calls or replying emails. Reading some reviews I find that this is a standard tactic of the company and people eventually give up due to the company 's obfuscating and slippery tactics and don't get their money back.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief