BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-05
Company: TD BANK US HOLDING COMPANY
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/22 my mobile device an XXXXXXXX XXXX XXXX was stolen. I contacted XXXX only to fine the device I insured with XXXX XXXX + did not cover theft. ( Why would anyone buy insurance that did not include theft ( Guess I should have read the 20 page disclaimer ) In any case I cancelled the the subscription, which I received a confirmation email from them. Unfortunately I have continued to be billed by TD Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) which does the billing for XXXX for this service. I have spent hours on the phone on two occasions getting passed from customer representative to customer representative with no progress. I disputed the charge and was notified by XXXX that the charging company has to remove the disputed charges which TD Bank has not done and are now reporting these charges as delinquent on my credit report. A short while ago my credit score was at XXXX. It is now at XXXX due to these erroneous charges from a subscription that was cancelled on XX/XX/22. The current amount in collections is {$47.00}. I have sent proof of the cancellation to TD Bank customer support and to XXXX with no resolution. NOTE in the screen shot from my credit report the billing dates past due compared to the cancellation date in the email.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Made a payment on XX/XX/2022 for {$1400.00} ( statement balance ) on the mobile app, they took the money twice on the same day. After I check my bank account, I called them they wanted me to keep in account as a credit XXXX or it will take 10 working days to get it back into my account. Called twice with over 45 mns hold time each time and got two different answers when I will get my money back. 
Each time I had to give them the routing number and the account number.

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 2021-09-12
Company: CURO Intermediate Holdings
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. They have had 6 months and 3 dispute letters sent to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Waypoint Resource Group, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
total amount is {$470.00} to XXXX XXXX. I returned and paid off all of my remaining balances before I moved to the home I purchased. I'm still not sure what I owe? but I believe its because the equiptment I mailed back to the company was not received. I don't recall ever getting a call from XXXX  to attempt to collect a debt. I only got a call from Waypoint and they did try to collect that debt. 

I've called waypoint a few times and attempted to pay off the balance only if they agree to remove the nagative mark or allow myself to remove or delete the negative mark on my report. all 3 times they refuse to email me, write or verbally agree on the recorded line to allow me to delete or remove it from my report myself. 

I don't feel like its fair to pay for this balance since I never had the opertunity to pay it off before it became a collection. I don't was to settle, I would like to pay it off in full asap. 

this complaint is with Waypoint and XXXX 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 2017-08-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Today,XX/XX/XXXX, I have dismissed the recent litigation against SPS. So please answer my questions. 

I am again requesting a criminal investigation with you, among other investigative institutions. This request for investigation is based on tax evasion, money laundering, predatory lending, deceptive trade practices and fraud. 

I requested the name of the XXXX XXXX that my note was in, and have not received it yet. XXXX XXXX XXXX XXXX XXXX XXXX was the original lender on my note, not XXXX XXXX Mortgage XXXX as illegally placed at the lender on my note. With this Deed and note publicly recorded, XXXX XXXX XXXX may have committed Fraud, Forgery, Perjury, money laundering, among other crimes. 

My note has been through Assignments several times ( Attached ), each of which appear to be Fraudulent with signatures of Bank Employees, not XXXX XXXX XXXX XXXX XXXX XXXX employees, which went out of existence on XX/XX/XXXX and could not sign or transfer any documents or Assignments ( As attached ). Since XXXX XXXX XXXX XXXX XXXX XXXX had no authority to remove or assign my above note after XX/XX/XXXX, why were there Assignments in XXXX and XXXX? 

Each signatory of each document should be investigated to determine if they were in fact XXXX XXXX XXXX XXXX XXXX XXXX employees, or Bank Employees creating Legal Documents to Defraud the Homeowner. 

I have sent a XXXX asking basic accounting questions about records which SPS does n't seem to have.

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 2017-11-09
Company: EQUIFAX, INC.
State: NJ
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 obtained a copy of my credit report, which contains inaccurate or outdated information reported by your XXXX. in accordance with the Fair Credit Reporting Act, XXXX XXXX section XXXX. 
Account must be deleted from the report as soon as possible : DSNB/MACYS ACCT # XXXX Bank XXXX XXXX ACCT XXXX XXXX Capital XXXX bank USA NA ACCT # XXXX DEPT OF HEALTH AND HUMAN SVC HRSA ACCT # XXXX DSNB/MACYS ACCT # XXXX ENHANCED RECOVERY COMPANY ACCT # XXXX XXXX ACCT # XXXX The following inaccurate information must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: SLM CORPORATION
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have yet to receive anything on this debt when I logged into my XXXX.com account and see a collection for it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: EQUIFAX, INC.
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Received a loan you didn't apply for

Complaint:
To Who May It Concern, This company has failed to comply within the 30-day timeframe of this letter. I recently pulled my credit report and I was notified of this collection that was taken out without my consent. I do not believe that this debt is accurate. Under the FDCP Act, I have the right to request and receive validation of debt. However, I do believe that this debt is not mine. According to the FDCP, this debt should be removed immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: SYNCHRONY FINANCIAL
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:
To Whom it may concern, I have contacted the creditor SYNCHRONY BANK in XX/XX/XXXX. 

I noticed that the account information between XXXX, XXXX, XXXX  DOES NOT MATCH. 

This account is under XXXX XXXX XXXX SYNCB/CARECR XXXX which is reporting erroneous, inconsistent, unverifable account information. 

The date opened, date closed, date of last activity, credit limit, date of first delinquency. 

I sent a letter directly to the Synchrony Bank which was delivered on XX/XX/XXXX by certified mail and they have not responded in 30 days as required by the FCRA and they did not update the account as disputed AS THEY ARE REQUIRED. 

I also sent a letter directly to the XXXX to conduct an investigation which I also did not receive a response which was delivered on XX/XX/XXXX. TODAY IS XX/XX/XXXX. 

This account should be removed NOW and all reporting should cease immediately. 

The Creditor is aware that the account fields of METRO2 is their industry standard and require MAXIMUM POSSIBLE ACCURACY given the criticalness of the automatic underwriting process WHICH ALL lenders use to provide me lines of a credit, a vehicle loan and a mortgage. 

Thank you Synchrony Bank XXXX XXXX XXXX XXXX, FL 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 2017-11-09
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
After looking at my credit report, I noticed several outdated and inaccurate items : The following below are inaccurate. I never live at the addresses. Please complete removed from my credit file XXXX XXXX XXXX # XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX # XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX # XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Please investigate these inaccurate items and remove them immediately and forward an update copy of 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 2017-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
After looking at my credit report, I noticed several outdated and inaccurate items : The following below are inaccurate. I never live at the addresses. Please complete removed from my credit file XXXX XXXX XXXX # XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX # XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX # XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Please investigate these inaccurate items and remove them immediately and forward an update copy of 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 non-monetary relief
Consumer complaint received 2017-12-28
Company: Siwell Inc
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hi There We have the mortgage from Siwell Inc. dba XXXX XXXX XXXX of Texas ( NMLS XXXX ) My Loan # is XXXX. We are refinancing this mortgage with some other lender and requested the pay off request from XXXX XXXX on XX/XX/XXXX. Despite of out more than one dozen call and fax requests they are not giving our pay off amount. They always transfer the call to a loan officer instead on customer service and loan officer try to sell us other mortgage. Today is XX/XX/XXXX and my lock with other lender is expiring on XX/XX/XXXX and the pay off is the only one loan approval condition left. Why these unethical companies let loose to work and bother the people who are their loyal customers My Info XXXX XXXX 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 2017-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 sent a report to this credit bureau over a month ago to resolve the credit report from inaccuracies being reported on my credit report and the last letter i received from TRANSUNION, XXXX XXXX have not resolve the issue from the previous XXXX investigation the XXXX report has not been removed for inaccuracies. The lender that allegedly gave me a lawful loan for the automobile had no consideration for a contract to be enforceable and valid or full discourse of meeting of the mind. Therefore the investigation is not completed as satisfactory. This is the final notice before i sue for willful violations of the Fair Credit Reporting Act that remain on my credit report are in of 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 2022-03-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Lost home to Foreclosure sale in XXXX. The mortgage That was supposedly the reason for the Foreclosure waw a fraudulent mortgage reconveyed from a property that had been foreclosed on in XXXX being XXXX XXXX XXXX. A default judgement that was illegally placed onto my property at topic being XXXX XXXX XXXX XXXX nc XXXX was granted on XX/XX/XXXX. There was intentionally incorrect data given to the courts through a service member service status verification falsification. that being said i was denied my rights as a service member. since the foreclosure sale my family and I have been evicted by XXXX XXXX in XXXX of XXXX. This is a problem due to on XX/XX/XXXX A representative from XXXX XXXX made the claim that They didn't purchase the property from foreclosure sale in which XXXX XXXX Special proceeding files marked XXXX, and XXXX clearly have documented that in contrary that in fact XXXX XXXX was the highest bidder in the range of XXXX. I would like to have my home back with title. Also to have all damages repaired since wrongful eviction. Why would XXXX evict us if they didnt buy or have knowledge of purchase or ownership. I will include a copy of HUD1 that was provided by XXXXXXXX XXXX XXXX XXXX that not only has incorrect arithmetic but has a loan number that does not match The Pay off Demand letter that was also provided by Attorneys XXXXXXXX XXXX XXXX XXXX. The Legal description description from XXXX Register of deeds and XXXX does not match XXXX XXXX yet does Match XXXX XXXX XXXX. the sub trustee worked for the foreclosure firm and still to this does one said being XXXX XXXX XXXXXXXX XXXX XXXXXXXX trustee services. This company is part of XXXXXXXX XXXX XXXXXXXX XXXX. THE LOANS OR FORCLOSURES NEVER REFLECTED ON MY CREDIT NOR DO THEY CURRENTLY. THE SCRA STATUS VERIFICATIONS ARE NOT ACCURATE OR TRUTHFUL THAT WHERE SUBMITTED INTO SPEACIAL PROCEEDING FILES XXXX AND XXXX. THE XXXX XXXX SEARCH IF VALID WOULD HAVE REQUIRED MY SSN, DOB, BDAY, AND WOULD HAVE SHOWN AS A SOFT INQUIRY ON MY CREDIT REPORT. NONE DID NOR COULD THE D.O.D VERIFY ANY SUCH INQUIRIES HAD EVER BEEN MADE IN TH EPAST YEARS USING THE UNIQUE NUMBERS EACH REPORT DISPLAYS ON PG 2 OF REPORTS. SO THIS ENTIRE ILLEGAL SITUATION SHOULD BE EASY TO REMEDY FOR MY FAMILY AND SELF

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 2022-10-03
Company: EQUIFAX, 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:
I, XXXX XXXX, never gave ( XXXX XXXX, Equifax, XXXX, or XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached to this dispute. They also do not have any permissible purpose to furnish my personal information to any third party.

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

As a consumer, I am demanding the deletion of the following accounts and that my credit score be updated in light of these changes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If the account is already deleted then disregard that specific account. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Date : XX/X/17 Time : XXXX Amount Due : {$470.00} + {$19.00} interest/fees I called to formally dispute a charge. The man asked for my account number which I provided then asked my why I was disputing the charge. I said I have contacted XXXX XXXX and clarified with them that my insurance company is still waiting on medical records from them to process the claim associated with this bill. He then told me that that was not a valid reason and it 's almost been one year since the incident. ( It 's been 9 months in which I have records of consistent communication with the hospital and my insurance company. ) I told him the hospital has told me I am not liable for it while they resolve with insurance. He then told me that he could mark this as disputed but it would still affect my credit score. I told him that was okay then asked if my score will recover after the hospital and insurance company resolve this amongst themselves. He said it depends and I asked if that was all. I said yes but is the formally marked as disputed. He hung of the phone before he answered my question. Now I am unsure if this has correctly been marked or not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-05
Company: LEXISNEXIS
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
LexisNexis trespassed my Credit Report kept by XXXX XXXX releasing a different technique to assess my creditworthiness and such action has caused the lenders to decline my application for credit card applications. 

LexisNexis never had my authorization to release my creditworthiness to XXXX XXXX or any other national credit report bureaus, and their technique to value my creditworthiness is harmful preventing me to obtain the credit card I do need. 

Upon contacting LexisNexis to block their misleading information, LexisNexis mailed 3 letters referenced to my request contradicting their messages, see Case Number XXXX, Case Number XXXX, and Case Number XXXX. The XXXX letters prove their agency 's mismanagement of consumer report information. 

Their action to send 3 misleading letters indicates LexisNexis is a mismanaged credit report agency that continued causing me more harm than good.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022, while trying to log into XXXX account on my new tv, I was prompted to email XXXX to conclude the setup process. A phone number then appeared on the tv, which I called. They said they were XXXX employees and were turning over all XXXX  accounts to another type of account. In this fraud, I was told that for {$260.00} I would no longer have to pay the $ XXXX for XXXX XXXX for 5 years, and would also get several pay channels through XXXX  for free. Neither was true. I paid through PayPal. The next day when I realized the scam, I called XXXX who said they were aware of the scam against many others, and I would have to try to get refund through PayPal. He also said his experience was that PayPal would not refund for the fraud. I filed a dispute with PP, and they said they would contact me. There is no way to contact PayPal, either by email, phone or chat. The chat request sends you into a loop that never allows the chat to occur. I have contacted XXXX XXXX XXXX, and they refuse to refund. I also filed complaint with XXXX XXXX, who pays PayPal for me, and they said I could only go through PayPal in that PP was not the one that defrauding me. 

Below I will paste a copy of the PayPal transaction : Paid with XXXX XXXX XXXX Credit Card XXXX You'll see " PAYPAL XXXX '' on your card statement. 
{$260.00} Ship to XXXX XXXX " Address '' XXXX XXXX XXXX XXXX, CA XXXX United States Transaction ID XXXX Seller info AXXXX XXXX XXXX XXXX XXXX http : //advanceelectromech.com/ XXXX Purchase details One time {$260.00} Total {$260.00} Phone Number scammers gave me : XXXX, My customer ID # XXXX

Company response to consumer: Closed with explanation