BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-23
Company: EQUIFAX, 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:
An account is reporting to my credit profile that is NOT linked to me. The collection agency informed me that the account was opened under a business that I am NOT linked to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23
Company: TD BANK US HOLDING COMPANY
State: KY
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:
Received Target, 'REDcard ' in mail to my home on XXXX. This card was sent without any of my knowledge of opening this account. I phoned card services on XXXX and learned of balance of {$1400.00}. Connected with Fraud Department. Card cancelled. Apparently, based on information shared with Fraud Department, the Target store issued credit based on my stolen drivers license from XXXX XXXX. 

Fraud Department said on phone they are mailing me questionnaire to conduct fraud investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I would like it if I could submit the letter I typed in detail about the problem along with my statement from the bank. 

I deposited a check sent to me from my dad of $ XXXX gave me {$200.00} right away ( XX/XX/2018 ) and told me the funds would be available on XX/XX/2018. 

That didnt happen they keep telling me that the account is restricted yet they closed the atm card, sent me a letter telling me that too along with dont use any check that I still have for the account cancel any direct deposits or auto bill pay they wouldnt let online bill pay go throu yet a transaction for {$270.00} went through after the account was closed and they charge me {$260.00} for check fees after I sent the checks out not knowing what they were going to do. 

They still have my money and wont release them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11
Company: Performant Financial Corporation
State: MA
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:
OK PERFORMANT FINANCIAL C XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX .they damaged my credit report dropping my credit score 35 points. I when from a XXXX to a XXXX. score. I don't know or have I every did business with this company. this is wrong. they have violated the fair debt credit protections act. they did not contact me by phone or by writing. they just did and unauthorized inquiry that has drop my scores 35 points.. I did not give them permission to run my credit .. they need my authorization to look or run my credit ... im going to report the to the attorney general office in CA. I do not recognize this company at all and why or how they ran and unauthorized inquiry on my credit report and damaged my credit report 35 points. According to the fair debt credit collection act. you must stop all attempts to collect on debt and inquiries until it matter is resolved .... you have the wrong person it you wont validate the inquiry you must delete it because I am disputing it in writing ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-30
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I have been scammed by this person and filed a complaint to the bank that needs to handle this matter and have sent legal paper as well, but there is no any response from the bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23
Company: Mr. Cooper Group Inc.
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was serviced by Seterus Inc until XX/XX/2019 and then it was transferred to a company called Mr. Cooper. I have been receiving mortgage statements from Mr. Cooper about my payments, which are on time and as of XX/XX/2019, the statement I received stated that my mortgage would not receive a late payment if payment was received after XX/XX/19. Under the agreement for mortgage transfer from Seterus to Mr. Cooper, there was to be a 60 day grace period to not charge late payment fees on mortgage payments in the event they would be late, due to the transfer. I paid my mortgages and was not 30  days late. However, I recently received a notice from XXXX   regarding a drop in my FICO score due to a late mortgage payment to Mr. Cooper for mortgage XXXX in XX/XX/2019, which was NOT late, nor 30 days delinquent. I checked the statement online for this mortgage and do not see that Mr. Cooper received a payment from me 30 days delinquent in XX/XX/2019. I have 3 mortgages that were transferred to Mr. Cooper and all were paid on the same day and are not 30 days late nor were they paid late to deserve a late fee. My mortgages were paid on time. Yet, Mr. Cooper has put a delinquent note on my credit report, that has adversely affected me and my FICO score.

I want the delinquent note removed ASAP from my credit report. My mortgage was not 30 days late in the month of XX/XX/2019. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: USCB Corporation
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:
On or about XXXX USCB REPORTED I HAD A DEBT OWNED BY XXXX XXXX XXXX I NEVER SIGNED UP FOR ANYTHING WITH COMPANY ONLY INQUIRED I ALSO HAVE NEW MAIL ASKOMG TO JOIN

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 2020-04-30
Company: Bread Financial Holdings, Inc.
State: WI
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:
XXXX, XXXX of XXXX and XX/XX/XXXX I was late on payments for Comenity Bank. During the month of XXXX I was very ill due to XXXX complications which caused me to be XXXX and missed payments. I gave birth in XXXX and shortly after I was on XXXX XXXX without pay which also caused me to miss payments. Prior to this incident I have never been late or missed payment with this company. I did reach out to Comenity Bank to resolved this issue with no luck. As of today I'm current on payments and have been since XXXX. I'm asking out of good favor that the delinquent payment history be removed from my credit report because its preventing me from buying a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened a savings account with Marcus on XX/XX/2022. 
I then immediately funded the account with {$1000.00}, in XXXX {$500.00} installments, from a checking account in my name at XXXX. 
Accompanying this complaint are statements from Marcus and XXXX showing the transaction from XXXX and the balance at Marcus. 
On XX/XX/XXXX, 1 month later, I attempted to withdraw my balance from Marcus back to the funding XXXX account. 
These were the only transactions attempted, and both accounts are in my name. 
Within a few hours of attempting to withdraw my funds I found that my Marcus Savings Account had been locked, denying me access, and I was directed to call support. 
After more than one phone call, I was told that my account would be closed, and they refused to tell me the reason. 
They told me that my funds would be sent back to the funding account within 3 days. 
More than 10 days have now passed and I have not received any funds or notice from Marcus, and I obviously do not have access to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23
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:
I have check my credit and realize that my identity had been stolen and accounts had been opened without my knowledge, recent data breaches has exposed my personal information, your company already block some of the information a copy of previous complaint is attached but two accounts appeared in my credit ( XXXX XXXX XXXX and XXXX XXXX ) please block these items that do not belong to me, 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 2020-04-30
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Ive sent letters regarding this debt on my report, for one the company took longer thank thirty days to respond. For two, the original creditor deleted the debt do to information not being substantial. So if credit one the ORIGINAL CREDITOR! deleted the debt why is midland still reporting it. Also their are inaccuracies midland has documented. Im requesting for this account to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
LVNV FUNDING LLC IS REPORTING NEGATIVELY TO CREDIT REPORTING AGENCIES AND IS TRYING TO COLLECT A DEBT THAT HAS REACHED THE STATUE OF LIMITATIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
This is a duplicate information - the same loan is posted more than once by the same lender, it shouldn't be listed as multiple accounts. Please remove the excess lines.. FCRA protects consumers against the misreporting of data on a credit report that includes multiple listings. XXXX and Transunion didn't have procedure in place to ensure accuracy. Mistakes can happen I understand but this one, I couldn't slip away, Please rectify quickly US DEP ED XXXX, US DEP ED XXXX, US DEP ED XXXX, US DEP ED XXXX , US DEP ED 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 2019-06-23
Company: ENOVA INTERNATIONAL, INC.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Contacted NetCredit for XXXX in XX/XX/2018. At the time was never disclosed of interest rate of 59.75. To my surprise I had benn making payment of {$140.00} and noticed loan amount was going up instead of down. They are totally ripping me off. Never told me that they would be debiting my account twice a month. I borrowed {$3100.00} and have paid a {$1000.00} dollars toward account and balance says XXXX. Had I of been told upfront was a payday loan I would of never taken loan. NetCredit took advantage of a XXXX year old woman who supports herself with a 59.75 % interest. Please help.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
my Us bank reliacard is locked since XX/XX/XXXX I sent out my id verification on fax it's been 3 weeks I got fired from my job because I got tested XXXX for XXXX I missed work from 2 months XXXX and XXXX I need this money for bills and put food on the table

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 2020-11-06
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:
I have disputed the XXXX/XXXX collection account # XXXX with Equifax, XXXX and XXXX as a fraudulent account. All bureaus except Equifax have removed this fraudulent account from my credit report and Equifax has never replied to any of my multiple disputes. 

I also disputed the XXXX Card collection account # XXXX with Equifax, XXXX and XXXX as a fraudulent account and neither bureau has removed this fraudulent account from my credit report or replied to any of my multiple disputes. 

My disputes included a dispute letter to each credit bureau, Police Identity Theft Report, Notarized Fraud Affidavit, social security card, drivers license and 2 proofs of address.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23
Company: EQUIFAX, INC.
State: IL
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 wanted to let you know that Equifax is reporting fradugelent things on my credit report. I sent them a police report as well as an identity theft report to let them know these things are FRAUD for XXXX   XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX/XXXX, and all the accounts with Merchants.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: DEBT CREDIT SERVICES
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Called all day to and everyday had called after XXXX its debt collector or car warranty to buy or fake irs everytime I answer its something different

Company response to consumer: Untimely response
Consumer complaint received 2020-04-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
1 ) I applied for a car lease loan on XX/XX/2020. 
2 ) XXXX claims they received a score from Equifax of XXXX. They approved the loan. 
3 ) On XX/XX/XXXX I arrived to pick up car and they alleged that Equifax gave them a score of XXXX. The loan was modified. I suspected a scam. 
3 ) They claim they have the proof to confirm that the " XXXX '' is valid. It is hard to believe their claim because .... 
4 ) Data on my Equifax report does not support a 53-pt reduction in a span of 18 days. 
5 ) If anything, data reveals a reduction in debt, hence score would remain the same, at worst. 
6 ) I need to confirm that Equifax INDEED supplied a score of " XXXX '' to XXXX in order for me to consider a next step, legal or otherwise. Without this confirmation, I am unable to proceed in either direction. 
PLEASE HELP!!!! Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Student loan with Navient increased from XXXX to XXXX after 11 years without any notice. 
Never recieved documents or disclosure on repayment loan. Paying every month, but they are reporting non payment to credit bureaus. Calls are met with insulting and rude people. 
On hold for long periods of time without anyone picking up the call. Takes days and hours to get unhelpful responses.,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
This month on XX/XX/2020 I received a notice from Lowes Credit Card in XXXX Mi.that they checked my credit, and decided that the XXXX dollar limit that I had was to much, and they reduced it down to what is owed at XXXX dollars. They decided to do this during the covid- 19 pandemic. Adding to the already stress of worrying about my credit report among other stress related problems.

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 2019-06-23
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
InapreviouscomplaintwithSynchronyBank,theyrespondtomewiththesametacticstheyhavebeenusing.Asareply,theysendmeacopyofallthereportstheypulledoneachcreditaccountandthentriedtomakethisaboutthecreditbureausandtheyweresendingmethesereports.Ididn'trequestthecreditbureausendmeanyreportsandthebureausdon'tarbitrarilypullconsumerreportsandmailthemouttothem.

ThebottomlineisthatSynchronyBankisdoingsomethingthatshouldn'tbeoccurring.Nowtheyaretryingtoplacetheblameonthecreditbureau.Howbizarreofthiscompanytosendaresponselikethis.

Thecreditbureauisn'ttheonearbitrarilyreducingcreditlimits,harassingcustomers,andplacingfalseinformationoncreditreports.Iamdoingnothingbutpayingmybillsontimeanddon'twanttohavetoputupwiththismess.

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 2018-01-13
Company: Experian Information Solutions Inc.
State: TN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I order my free credit report XX/XX/XXXX received in the mail. I can not dispute any thing on line or call and the wait is over 3 hours to speak to someone. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I want to dispute incorrect information on my Experian 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 2020-04-30
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: Information belongs to someone else

Complaint:
I have reviewed my credit report and found wrong, inaccurate fraudulent accounts on my 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 2023-02-21
Company: SANTANDER HOLDINGS USA, INC.
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I asked for a copy of the original contract from chrysler capital and I did receive it. Upon confirming its legitimacy I found a discrepancy on the contract/account. For the past 7 years I have had an account on my credit report that is incorrect and/or has inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I got out of the forbearance, when I became eligible for a flex modification in XX/XX/2021. I had contacted XXXX or XXXX XXXX about the company Shellpoint Mortgage who said even though I'm in a flex modification I'm not eligible for the flex interest rate. Ive done all the steps and thought this was to make my mortgage affordable since I'm without full-time work

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23
Company: BB&T CORPORATION
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The prompts I checked really do not pertain to my complaint ; however, no other prompt was available. 

Regional Acceptance Recovery continues to report a charge off account ( auto ) as current. The account was opened in XX/XX/XXXX. It was charged off XX/XX/XXXX. Can they keep doing this? This is affecting me negatively and sadly the account can not be paid. We are facing medical hardship ... XXXX 's. 

Please see if there is anything which can be done. Thank you. 

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 2021-02-20
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Hello Sir/Madam hope this mail finds you well, okay i will go straight to the point, my paypal account was closed and it is very depressing because inspite of me uploading all the documents I was asked of, I still get the mail that my paypal account has been permanently limited, the main reason I was asked to upload my documents was because I was almost reaching the paypal limit, you can confirm what am saying, by checking my paypal account ... XXXX. My name is XXXX XXXX and I would kindly request for you to check and reconsider reopening my paypal account , it has not been in any bad transactions, I linked it to paypal XXXX because I am from XXXX, the attached documents are evident of all that I uploaded successfully I have attached a copy of my Identity Card and a copy of my goverment issued document. Hope to hear from you soon thank you for your time.

Company response to consumer: Closed with explanation