BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-08
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was first contacted on XXXX by a phone number matching my phone 's area code but not matching the area in which I currently reside and was asked to verify my address. After giving only the numbers of my address, I was told I was correct and was informed I owed a debt to my current power company. After checking myself that I did not in fact owe that amount at all, I double-checked with the collector what the full address was that he was collecting for. At this time he gave me the number I had said, followed by the street name for a previous address I had lived at, combining the two into one address that does not exist. At this point, I became suspicious and called the collector out for having a fake address at which point he hung up on me. I then called the number back to check if it was a cloned phone number, and the woman who picked up was very shifty when I asked what the company was, attempting to collect information from me without revealing whose number this was. She then dropped the standard " this is a debt collection call '' script on me before attempting to collect for the address that - sure enough- was the incorrect amalgamation of two addresses. When I asked her to type the address she had into XXXX XXXX  to see if it existed, she verified that it in fact did not, but attempted to place the blame on the company they were collecting for. I then called the company and spoke with several departments to try to find out if they had ever done any business with this collections agency and it turned out that they had not. Calls like this have continued now, at some points interrupting my work and being made after XXXX XXXX and every time I identify that the address they have doesn't exist and that they are trying to scam me they hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: SYNCHRONY FINANCIAL
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: Old information reappears or never goes away

Complaint:
Hi. This debt is old.

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 2021-11-02
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have tried several time to have negative information verified with proper signed documentation and all time they company has failed to proved the proper documents proving debt validity, in violation of the FCRA.

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 2017-12-12
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: You never received your bill or did not know a payment was due

Complaint:
I was amazed when I reviewed my XXXX, XXXX and XXXX credit reports and saw that I was reported as having a late payment on the date below : 30 days past due as of XXXX XXXX, I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this took effect, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.

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 2021-10-06
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:
Hello I am asking you all to help XXXX with these accounts on my credit that are not mine. This is my second time reaching regarding this. Now some of the accounts did come off but there is still 2 accounts on there XXXX/XXXX and XXXX XXXX  XXXX . There are also several inquiries on there that I know nothing about XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX, XXXX, XXXX XXXX , XXXX XXXX , US SM BUS ADMIN ODA, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX, XXXX, XXXX XXXX. I'm also confused also on why there is a bankruptcy on my credit. I called the XXXX XXXX XXXX XXXX XXXX Court and they said they was not able to locate a bankruptcy with my social. They also stated that there is not way it should be on my credit because there is not one. She told be to call some place called XXXX XXXX and they also said the same thing that they were not able to locate a bankuptcy with my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello I am asking you all to help XXXX with these accounts on my credit that are not mine. This is my second time reaching regarding this. Now some of the accounts did come off but there is still 2 accounts on there XXXX/XXXX and XXXX XXXX XXXX . There are also several inquiries on there that I know nothing about XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA, XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX  XXXX, XXXX, XXXX XXXX. I'm also confused also on why there is a bankruptcy on my credit. I called the XXXX XXXX XXXX XXXX XXXX  Court and they said they was not able to locate a bankruptcy with my social. They also stated that there is not way it should be on my credit because there is not one. She told be to call some place called XXXX XXXX and they also said the same thing that they were not able to locate a bankuptcy with my social security 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 explanation
Consumer complaint received 2021-11-02
Company: EQUIFAX, INC.
State: MI
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:
I have the right to privacy as a consumer which is stated in 15 USC 1681 ( a ) ( 4 ). You dont have the right to furnish my information on my consumer report stated by law. If you have the permission to furnace my report. Send me the signed contract that gives you consent that contains my signature giving you consent to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: SYNCHRONY FINANCIAL
State: MO
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:
Amazon put a freeze on my account for unknown reason and claims they can not unfreeze it until they send me a link via text message. However, there policy states I can have an automatted call as the other option. I was then accused of swearing to XXXX when I never did and she was short of harassing me and insisting I have to be sent a text message link. She was from overseas. This is the locked account message from Synchrony " There is an issue with your account, Please contact Customer Service at XXXX.You will not be able to make purchase with your card until you contact customer service.The enhanced Manage Alerts feature is now available. Check out our new alerts! 
Welcome, XXXX Image of sample Amazon Prime Store Card Amazon Prime Store Card Account ending in XXXX '' My statements are fine and there has not been any suspicious activity. Amazon is spamming people with suspicious text messages link as to capture private data from phones.

They refuse to send me an automated call when that is their policy that I can request that as an alternative verification.

Amazon is unlawfully freezing accounts and then stating we have to follow links on our phone. 

I have never been late on payments or had others with my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: EQUIFAX, INC.
State: MI
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Inquiry Date XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I believe this was apartment rental agreeement i was unable to comply with due to corona 19, i informed the landlord of my position, and informed them of the delay in payment, they refused to give me time, evicted me, and i was not aware of any other payments requested, i have asked for more information about this account, but i just get harrasing phone calls, but no information has been sent

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Other problem

Complaint:
The company has restricted my account my balance was over my credit limit. The balance was at {$2200.00} when they offered to unrestrict my account for three consecutive payments of : Offer XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX I was unable to comply here is an account of what I was able to do. 
XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX : XXXX Now to today I am below my credit limit on the after making another XXXX payment for XX/XX/XXXX and XX/XX/XXXX the account is XXXX. I have asked Capital One if they will provide a new offer to unrestrict the card. They have refused. I have asked for the account to be closed and we negotiate a charge off. The specialist informs me that I would not be able to negotiate that unless I did not pay on the account for a 180 days. As a consumer I would like to work with them to come to some accord that would be equitable for both parties but they will not negotiate or work with me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: Transfinancial Companies, Inc
State: LA
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:
Transfinancial Companies is reporting two accounts on my credit report in the amounts of {$680.00} and {$540.00}. I have tried to dispute this inaccurate information before as I believed the accounts were not mine and had been placed on my credit reports in error. The company did not send me any form or proof of the debt and continues to report on my credit file stating it meets FCRA requirements. I am entitled by law to receive the validation of this debt as I do not believe it is mine. The companies investigation did not provide any documentation of this debt nor did it resolve the issue that I presented to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX of 2017 I started refinancing my current residence with XXXX XXXX XXXX, the same people I have my current FHA loan with. We wanted a conventional loan with no PMI, and finally were in the equity position to do it. Fast forward to XXXX XXXX and the refinance is completed. Or so I thought. I started getting collection calls from Loancare, the loan servicer, XXXX XXXX that my loan was past due for XXXX. XXXX assured me all was well and to ignore for now. XXXX XXXX I was still getting collection calls. I spoke with the representative at the servicer, Loancare, who told me with XXXX the payoff could have been delayed. Then on XXXX XXXX I am told by my loan officer that the wrong payoff amount was wired by the settlement agent, XXXX XXXX XXXX, but it was corrected and will be done in 24-48 hours. A contact at XXXX XXXX XXXX tells me he has nothing to do with it although his name is on the closing docs. 
It is XXXX XXXX now and I still show a balance on my loan of over {$280000.00} and I am late for XXXX and XXXX. I brought a Cashiers Check to the closing table for any additional funds. I am being told the wrong amount is being wired by XXXX XXXX to XXXX to pay off the original mortgage. They are sending the amount on the Closing Disclosure and being told it is not enough. Then it takes 3 days for Loancare to tell XXXX XXXX the amount is incorrect and does not tell them the correct amount, even though it matches the Closing Disclosure. The XXXX at Loancare tells me to call the settlement agent and is unreachable by phone. Nobody at Loancare will clear this up. Please help me!

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 2023-05-18
Company: Zions Debt Holdings
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I had an account with XXXX in XXXX. I couldn't pay it and it went into collections. That was 10 years ago! 

This account dropped off my credit report after 7 years. Now they have teamed up with Zions Debt Holdings LLC to attempt to collect this debt. The effective date is XX/XX/XXXX. 
This is long after it dropped off my report. The amount they are trying to collect is {$1100.00}. They can not come back three years later and put it back on my credit report!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: American First Finance, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for an account at XXXX XXXX for furniture. The store rep XXXX verified that they use XXXX to run any credit requests through American First Finance. My XXXX FICO is XXXX, my monthly gross is {$2900.00} ( {$2700.00} net ), my annual is {$38000.00} and my fianc makes $ XXXX/month. I have the credit and we have the income, yet I was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: PNC Bank N.A.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I want to be able to link my bank on apps that I want to with my permission but I don't know who's stopping me or whats stopping it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: Resurgent Capital Services L.P.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Resurgent is reporting a collection account as currently past due and refuses to talk to me about the account and will not allow me to pay the account off. This is a clear violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Chase Bank offered my {$200.00} if I opened a new savings account with certain requirements that were listed on their XXXX page email. ( see attachment of XX/XX/XXXX Chase email ). I opened the new account on XX/XX/XXXX and met their stated conditions for the 90 days required. After the 90 days passed, I began inquiring about the {$200.00} bonus. 
Chase engaged in a variety of tactics to not pay the promised {$200.00}, including asking me for the coupon code that Chase had promised to provide if I applied for the account online. I believe that Chase had no actual need for such a code that they themselves had provided but was just engaging in hurdles to avoid the payment that they had promised. 
Eventually, I found the coupon code and provided it along with the {$200.00} offer that they had sent me on XXXX. Chase continue to engage in delay tactics including repeated requests for the " coupon code. '' Finally, after repeated requests, on XX/XX/XXXX, Chase wrote that my savings account wasn't eligible because it was a business account. There is no requirement stated that the savings account be a personal account on Chase 's offer. I attach Chase 's XX/XX/XXXX email for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, I mailed a letter to the credit bureaus asking them to investigate errors on my credit report. Almost 3 months have passed, and I have not yet received a response. This is already the 2nd complaint I've filed for not receiving a response.

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 2019-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Personal information incorrect

Complaint:
Despite having been required to provide a LOT of personal information to register an account with Transunion, they will not let me log into my account to start a new dispute. For a multiple day period ( XX/XX/2019 ) any time I try to log in the login is canceled with the error : " We are experiencing technical difficulties. 
We appreciate your patience while we resolve this issue. '' I suspect they are permanently " experiencing '' fake technical difficulties to prevent consumers from starting disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Prior to XX/XX/2020, I paid my credit card in full. As of today, there is no balance on my account nor any minimum payment due with a credit limit of {$500.00}. However, on XX/XX/2020, Capital One has refused to allow any online transactions to be processed, without any explanation. I contacted Capital One and inquired about my account and why my online purchase was declined, however the representative blamed the decline of the purchase of {$29.00} on the merchant or pay pal. After multiple declines of my Capital One credit card, I used a different credit card from a different company and the purchase was immediately approved for the exact same purchased I attempted to make with my Capital One credit card.. 

This is not the first time Capital One has decline my purchases when there is more than enough funds available on the credit card and despite calling Capital One and attempting to make the purchase while on the phone with Capital One my purchase was still declined. 

I request an investigation into the intentional declines of my purchases using my Capital One credit card

Company response to consumer: Closed with explanation