BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I am still waiting for CAPITAL ONE 360, to return funds, that are still in my closed checking account, to the original sender. I have made 2 complaints, with the bank responding that they will return the funds. That has not been done. I believe that there will be no satisfying response from the bank as to why it has not been done, yet. I do not want another letter, saying that they will be returning the funds, just return the funds!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: GOLDMAN SACHS BANK USA
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:
XX/XX/XXXX {$4000.00} Payment Sent XX/XX/XXXX Shown on the statement XX/XX/XXXX Check cashed and stamped by Goldman Sachs Apple XX/XX/XXXX Payment reversed, Apple to apply no details why, bank of check confirmed funds were cashed XX/XX/XXXX {$4000.00} reapplied and an email was sent apologizing for their admin error Multiple calls confirming that the payment would be backdated since funds were NOT late, it was a result of the banking institution, and that the late payment of 60 days in XXXX would be removed. 

My payment was reported 60 days late in XXXX of XXXX. In XX/XX/XXXX on the phone I was told this late payment would be removed because it was Apple 's mistake. It has yet to be fixed. These late payments are not accurate. The original XXXX payment was not backdated. They just reflected it as a new payment in XXXX. Their error has drastically affected my credit where I've never had a 30 late payment. 

My funds were held hostage, my calls and investigations with them go nowhere. 

XXXX of XXXX there were fraudulent charges that were disputed. My payment for XX/XX/XXXX did not post till XX/XX/XXXX. They reported that 60 days late despite it being 1 day late. My statement shows XXXX payments within 60 days of XXXX. Their reporting is inaccurate. I have been going back and forth with them for over a year having to start over every time I call and not receiving any callbacks. 

Their customer service has not helped at all. 
Proof attached : check with time and date of being cashed by Goldman Sachs, gmail with their apology, statements reflecting errors & showing all payments, proof of check being sent via USPS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: Experian Information Solutions 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:
On XX/XX/XXXX I submitted via certified mail a notarized FTC report, police reports and a personal statement that highlighted a fraudulant/inaccurate account from XXXX on my credit report with Experian. The account in question is still reporting under my name and social via my personal credit profile.

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 2019-09-06
Company: Financial Business and Consumer Solutions.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I received a call from someone who claimed to be a debt collector informing me that I owed {$500.00} to a school I previously attended in XX/XX/XXXX. Prior to the call I was never notified through the mail, email, or over the phone. I informed the woman on the phone that I knew this could not be correct and that I would not pay the fee until I contacted the school. 
Immediately after ending the call with the " debt collector '', I called my school and explained the situation, and a woman named Mrs. XXXX said she would look into the situation further and would call me back. 
I waited two weeks and still had heard nothing, so XX/XX/XXXX I called the school and spoke to Mrs. XXXX and was able to get the situation resolved. The same day she was able to send to me proof that I didn't owe the school the {$500.00} and that it was a mistake on their part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
There was a credit account open on XX/XX/2021 in the amount of XXXXfrom Comenity Bank which then sold it to XXXX XXXX  XXXX. Now XXXX XXXX XXXX is now suing me for this amount. Both companies never sent me Any kind of letters about the account to dispute it other than XXXXXXXX XXXX XXXX sent me a summons Suing me for this account on XX/XX/XXXX XXXX have no knowledge of this account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-08
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: Account status incorrect

Complaint:
Equifax ; XXXX and XXXX should not be reporting that I am ( 90 ) days late on the XXXX account. ( Please see page attached from my credit report. ) I was granted a forbearance due to a financial hardship with COVID. This false reporting of lates is incorrect and is seriously harming my credit score. This line item needs to be updated and/or completely removed from my credit report. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: National Credit Systems,Inc.
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Confusing or missing disclosures

Complaint:
On XX/XX/2020 I paid the balance of XXXX to national credit systems and the depute off my credit report continues to get denied I have full documents on it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I need to inform you I was the victim of identity theft. I'm disputing the accounts as they were opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the accounts. They were opened without my knowledge, authority or consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-09
Company: CBC Companies, Inc.
State: NV
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:
I have attached my SS Card and DL for proof of ID. I HAVE A UNRECOGNIZED THATINQUIRES HAVE REQUESTED REMOVED DUE TO FRAUD RELATED ISSUES IN THE PASSEDI RECENTLY HAD A FREEZE NOT TO LONG ALONG SO NOT SURE HOW I GOT A INQUIREFROM XXXX XXXX XXXX XXXX ON XXXX. PLEASE DELETE THISINQUIRES. I HAVE NEVER HAD A XXXX XXXXXXXX ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello, PayPal recently closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-11
Company: LoanCare, LLC
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am in the forbearance Loss mitigation program with Loancare. I was affected by Covid 19, I loss my job and have found another job with XXXX income reduction. I have been sending in required documents. I have letters staying I am in the Loss mitigation and that no negative information would be reported. XXXX Loancare report my whole forbearance amount XXXX in late payments. I am supposed to be getting a loan modification to avoid this very thing. Now my credit drop 5-points which is hindering me more, This is unfair when I am doing all the mortgage company is telling me to do. Please help me get this corrected. I have not been denied loan modification, I am right in the middle of the process, how can they be allow to report negative against my credit. 

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 2017-06-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This is my 2nd complaint for this company. I have asked for a debt VALIDATION with my ACTUAL SIGNATURE AND CONTRACT WITH THEM but yet they failed to provide me with the proper documentation. I do n't need a verification I NEED A VALIDATION OF DEBT. since they failed to provide with the correct documentation I am requesting an IMMEDIATE deletion from my credit report in all 3 bureaus as this collection is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
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:
The FCRA requires you to verify the validity of the item within 30 days. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. I am NOT requesting the itemized bill, I am requesting an instrument bearing my signature. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. By law, if you have charged off a debt, the consumer no longer owe it. You have accused me of owing this debt yet you have had personal gain by writing it off. You continue to report a balance to the bureaus which is inaccurate. In fact, I have no personal gain from this alleged account since it is reporting as closed. You have no right to continue to damage my credit over an alleged debt that you have received gain from the government.

By the provisions of the Fair Credit Reporting Act. I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove and information that the creditor can not verify. I understand 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: DISCOVER BANK
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2022, Discover Bank closed my Checking and Saving accounts due to their claim of suspicious activity ' on the accounts but failed to provide me with any details of the activity in question. Discover did not send me an alert, nor any notification prior to them closing my accounts, which caused a considerable inconvenience in the delay in paying a credit card bill. Ive contacted Discover, and they can only disclose that my statements were closed due to suspicious activity on the charges and that management decided to close the accounts. At the time of the closure, I had a total of {$680.00} ( Checking : $ XXXXSavings : {$1.00} ). A representative told me that my funds would be sent to me in the form of a check ninety days after my accounts received a deposit, after XX/XX/2022. This inconvenience caused payment to be returned and my credit card payment to be reflected as a late payment, affecting my good standing credit reporting with the three credit bureaus. I attempted to resolve this issue via the XXXX XXXX XXXX but Discover failed to respond to the complaint ( case ID # XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-11
Company: LAKEVIEW LOAN SERVICING, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a mortgage secured by a first lien on a home I owned in XXXX, Virginia. The loan was service by Lakeview Loan Servicing , LLC. I sold the home and the sale closed on XX/XX/21. The mortgage was paid in full as a result of the sale. The escrow balance associated with the loan was {$6000.00}. I have been in contact with Lakeview Loan Servicing , LLC a number of times since the payoff of the loan, requesting a refund of the escrow balance. I have received repeated assurances that the " check will be mailed to me shortly '', but it has now been 90 days since the loan payoff and I have not received a check for the escrow balance.

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 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2019-09-06
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: AZ
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 had an account with Onemain Financial that was charged off and sold. Onemain created a duplicate of that account without my authorization and reported the account with a balance. This duplicate account has the same open date and same charge off amount as the original. As a result, my credit report reflects two separate charge offs from Onemain for the same debt. I have disputed the duplicate account with the credit bureaus, but Onemain verifies the duplicate account as accurate. I disputed the duplicate account with Onemain and they simply updated the status to show " Reached an agreement with a lender to repay only part of the original debt '', which is not accurate because I never attempted to reach an agreement with them and I never paid any money to settle this duplicate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
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:
Discovered fraudulent accounts opened in my name without my knowledge or consent. I have been unsuccessful in obtaining original signed contracts for these 2 accounts. One of these accounts was even turned into a judgment against me without my knowledge. I am just looking for signatures to be able to press charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25
Company: Second Round Limited Partnership, Austin, TX Branch
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
this company serv ome court documents with out my knowledge, at th location wre i was not longer working. i have moved out the estate do to a family law case, in ordr to save myself and kids, iw as evicted from my house and they went and garnished my wages

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
For the past two weeks I called Transunion and XXXX Bank a minimum of 7 times. Transunion has no record of me and told me that it has been mixed up with another person. I had to have XXXX bank verify with a Transnunion rep to confirm that my profile is fragmented. XXXX bank was able to identify the problem using tools to look up my profile with or without social security #. Transunion reps. asked me if I had a tax ID # implying that I wasn't from the U.S. or asked if I had a mispelling of my name etc. Currently I don't exist and have been asked if I even had credit. XXXX for example has all my credit information. It is impossible to speak with someone at Transunion who could help me. I was recommended to by XXXX to get a supervisor who was from America. I have never received any credit report information from Transunion and which makes it impossible to answer any credit history questions with Transunion. I have nothing that shows up on my profile. I even was on the phone with someone for an hour at Transunion who wouldn't transfer me and just sit at his computer. Luckily, I was able to get someone to put in a " maintenance request '' on Friday XX/XX/XXXX. I was told it would take 5-7 business days, but when I called the following Monday, they to confirm they have my request being processed or just acknowledging it, it appeared like it was the first time he saw the issue. I was even asked if I had a file #, which they are supposed to have and look up for me. I can't do their job for them. In total it took about 10 calls to Transunion up to this point. 

Bottom-line : Fix my fragmented non-existent profile Never received a credit report from them Concerned about fraud and identify theft because it got " mixed up ''

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 2022-08-31
Company: EQUIFAX, INC.
State: NJ
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:
they have violated 15 USC subsection 1692g ( b ) in accordance with fair credit reporting act XXXX  account # XXXX has violated my rights. 

XXXX5 USC 1681 section 604 A section 2. it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

I have also sent a request for verification of this account in which I still have not received any original contracts with my signature on it. I sent a identity theft report and letter hat request the block of inaccurate information which in this case has been ignored multiple times. this account with this alleged debt comes back verified every dingle time with no form of Verification I requested provided. This XXXX XXXXXXXX XXXX  Account # XXXX NEEDS TO BE DELETED AND REMOVED immediately From my consumer report To Whom It May Concern : This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
15 USC 1681e ( b ) compliance and procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) That you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. My identity has been stolen you are hereby put on notice. 
Aggravated Identity Theft pursuant to 18 U.S.C. 1028A 15 U.S. Code 1681b - Permissible purposes of consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Select Portfolio Servicing Inc XXXX XXXX Mortgage Interest Statement XXXX XXXX 21 Monthly mortgage payment -seeking explanation as to why the principal balance is different from the last monthly mortgage statement -seeking explanation as to why there are so many payment reversals between XXXX and XXXX as shown under " transaction history '' on monthly mortgage statement and customer transaction history XXXX XXXX XXXX Customer Transaction History seeking explanation of reversals and unapplied funds on pg 3 in between XXXX and XXXX XXXX XXXX XXXX Ltr response to SPS

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