BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-25
Company: Google Compare Credit Cards Inc.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I was sending a payment through google pay they took the money of of my bank but it never got to the person I was sending it to. It says canceled on they end and processing on my end. Ive tried multiple times to contact them but Im unable to speak to someone on the phone do to COVID 19 and they disabled the chat so they just ran off with my money money to pay my rent at that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I had a ballon payment which I was not notified of. I was getting e-setatment which were going to junk mail. At the time of the purchase I was told I would be receiving notification before it was due by mail. I realized the XXXX in interest was charged in XXXX I call in XXXX spoke with two managers and was told I would be called back, I was not. I called the bank today and was told to put it writing and send to the headquarters. Their position is that I was just over thirty days. Mine is that I was not notified appropriately I wanted to pay balance due but not the XXXX XXXX in interest.

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 2020-10-16
Company: KEYCORP
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I had a co-op apartment mortgage ( taken XX/XX/XXXX ) with XXXX XXXX on a unit in XXXX, NY XXXX. It was paid off when I moved and sold the property in XXXX XXXX. My credit report is still generating UCC documents showing this loan under Financing Statement # XXXX ; I need paperwork to be filed to show the discharge of this mortgage. ( Common sense would tell you that nobody keeps a 9+ % mortgage OR  continues paying a mortgage after its 30 year term. ) XXXX was at XXXX XXXX of XXXX, XXXX, NY XXXX, but the company and its XXXX XXXX XXXX. Servicer were sold by the FDIC as receiver ( attorney XXXX XXXX XXXX ) to Key Corp of XXXX, NY in XXXX. Key Corp. in turn merged with XXXX XXXX XXXX XXXX, OH, leaving me unsure where to start.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: SYNCHRONY FINANCIAL
State: AZ
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:
My rights have been violated in relation to an account on my credit report. 
XXXX XXXX XXXX  XXXX Have you heard of 15 U.S.C Sec 1681 ( a ), if you can not provide proof this account is 100 % accurate then this account must be deleted. Please provide me with the original contract that I signed with my wet signature if you can not then It must be deleted from my credit report. I dont believe the information on the account is 100 % correct and needs to be deleted. 

15 U.S.C 1681 Section 602 A - I have a right to privacy.

15 U.S.C 1681 Section 602 A Section 2 - A consumer reporting agency can not furnish an account without my permission.

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 2015-07-30
Company: NATIONSTAR MORTGAGE LLC
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My home address was changed by the city. I submited the change to Nationstar, my mortgage company, XXXX years ago. XX/XX/2015 I tried to refinanceand was denied because of a address descrepancy with XXXX . I have submitted XXXX letters from the city and have yet to get my address correctly changed with XXXX. This procedure is called a SURF rquest. Nationstar says they cant even talk interdepartmental to try to resolv this problem. I also contacted XXXX XXXX 's office and my state ( MA ) attorney generals office. That was over a month ago for both. I am loosing about XXXX $ a month by not being able to refinance. Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: BMW Financial Services NA, LLC
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Not only I but my family members also have been harassed by the collections department of BMW financial services. I have a record phone call from them when they called my son while he was away in college. I have been told that BMW financial services called several other family members as well. I XXXX XXXX was the sole owner of the vehicle. I do n't understand how it is legal for BMW financial services to contact anyone else but XXXX XXXX. The vehicle was repossessed by BMW financial services in XXXX of 2015. Since then BMW has be fully compensated for the sale of the vehicle. Not only am I still receiving calls but this nonsense is being reported on my credit report. I am reaching out to you in hopes to dissolved this matter immediately to avoid further costly actions. BMW financial services continues to conduct business in ways that are unconstitutional. I am being unfairly treated and consistently harassed, I am physically and mentally drained from this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
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: Was not notified of investigation status or results

Complaint:
I am just amazed that 3 credit bureaus all at once managed to do the opposite of what I requested. I asked for an investigation of items on my reports, none were done. I requested no fraud alerts, fraud alerts were added without my permission ... Can someone tell me why after providing the enclosed required documents to identify myself, the credit bureaus claim not to receive it ...? Why no investigations have been started after more than 30 days. This is a blatant violation of FCRA regulation ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Re : Method of Verification Request To Whom It May Concern : I was NEVER LATE ON THESE ACCOUNTS XXXX  XXXX XXXX : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. 
Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provide to the customer by the agency, including the business name and telephone number of the furnisher. 

In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy of the completeness of the information. 

Name, address, and telephone numbers of each person contacted regarding this alleged account was late. 

Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. 

The item in question is inaccurate and represent a very serious reporting error. I expect a to receive RESPONSE IN 15 DAYS of receipt of this letter in compliance with the FCRA. If not, I expect these late payments to be corrected in my credit files. 

Please make sure to provide Method of Verification and process used with documentation.

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 2018-07-21
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: Account status incorrect

Complaint:
I was the victim of identity theft and my payments accounts were compromised causing payments to be returned. XXXX XXXX refuses to accept this even though I have sent them a copy of my driver 's identity theft 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 2018-03-06
Company: WELLS FARGO & COMPANY
State: WA
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:
Wells Fargo said they would not put any negative info on my credit report when I was trying to get a modification from them. They put it on there anyway. I later sold the house and became positive with them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
this is the second request, I am a victim of identity theft

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 2020-10-16
Company: Co-Operative Adjustment Bureau, Inc.
State: CA
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 have submitted 609/verification of debt notices to co oper adjustments several different times. All letters sent to validate debt were indeed sent certified mail to ensure they received them. I never received any validation for this unknown debt only for them to add interest to the debt,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: CCS Financial Services, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX forgave a debt that was a mistake that went to collections. 

( XXXX ) XXXX-XXXX XXXX XXXX is the name of the agency. I called them & said progressive forgave expunged erased the debt. That company already had 1/2 of the debt erased. 

But they would not allow me to discuss the debt saying they could not verify who I am.

I gave them about 5 addresses I have had. They still would not verify my identity, they claimed. I said I have a XXXX XXXX report of every address since XX/XX/1985 I had & I was willing to read it to them ... but they basically said we can't verify it's you. I think it's strange. 

XXXX says they lost the policy and some CSRs look for it but some say just pay. 

XXXX initially said that the debt was expunged. The collection agency was polite but it was like talking to the gestapo anyway by saying I am not me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: EQUIFAX, INC.
State: MN
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 numerous credit inquiries listed on my XXXX XXXX, Equifax and XXXX  credit report. The only credit inquiry that should be listed on my credit report is, XXXX XXXX XXXX/XXXX XXXX. All of the other credit inquiries listed on my credit report are fraudulent, unauthorized and not my credit inquiries. I should only have 1 credit inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Southern Management Systems Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company filed judgment with the courts and place the debt on my credit. The judge ruled that the case had been satisfied and hereby dismissed by the courts. I have reached out to the collection company to dispute this collection off of my credit but they refuse to remove it and they disconnect my call. This tactic by the company has caused the stress and hardship, well as extreme homelessness for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: Coast to Coast Financial Solutions, Inc.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

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 2020-09-10
Company: Self Financial Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I opened a credit card account with Self lender! It was opened XX/XX/XXXX! I got my card XX/XX/XXXX! According to their billing cycle! All payment must be made by the XXXX or end of the month! That means in XXXX they will report what happen in XXXX! XX/XX/XXXX I had my card almost paid in full! XX/XX/XXXX they reported the card my the way it was supposed to XXXX dollars owed with a limit of XXXX! On XX/XX/XXXX they reported again and back tracked the information! Saying the card was XXXX owed with a limit of XXXX! Making my account looked maxed out! I disputed the fact and they still verify a maxed out card! I have not used the card and paid the XXXX dollars even before XX/XX/XXXX! Everything should be a XXXX balance! I lost 34 points because of it! XX/XX/XXXX! They reported the same thing again! They are sending the 3 bureaus different information and refuse to do the right thing! Its all in Black and white and I cant get them to respond! I disputed it again and they verify another lie on my credit! XXXX  says on thing then XXXX  says another and XXXX  is wrong too! Ive made a complaint to the XXXX   and my mortgage lender see the mistake as will!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: EOS Holdings, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I'm writing this post again in tears dealing with this company. I checked my credit last year and found this account - since then my credit score has gone down 30 points. The bill is for a hospital visit - the hospital entered my social security number instead of my husband 's. This should be a quick fix right - wrong - In XXXX, my insurance company and myself did a three way conference call with EOS CCA - they explained to them how to correct this and have the bill paid. I was told it should take 3 to 4 weeks to clear. It's XXXX and know no one has a record of my insurance calling. I wrote their corporate office in XXXX, no response - can't get anyone from corporate on the phone. The phone call today last 5 minutes with - do you plan on paying this bill today - if not - I'm ending the call - I said no and she hung up ... ... .I 'm now considering taking them to court ... ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 recently received a copy of my credit report, The credit report showed a credit inquiry that i do not recall authorizing. 
If you find that i am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. Otherwise, please note that i am reserving the right to take civil action if necessary.

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 2019-03-30
Company: EQUIFAX, INC.
State: IL
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:
On XX/XX/2019 I was made aware that Equifax placed an account back on my credit file which had been removed months ago, that account is : State XXXX XXXX XXXX XXXX. 

This is a fraudulent account and now it reappears on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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:
Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: eToro USA LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I was once a cryptocurrency trade on a mobile application by the name of Etoro? this company things or they can just do whatever they would please do to someone? By the means of stealing their money from them! I have been talking to this=s company Etoro for about 5 months now that my money has been missing from my or there account I should say now. That this company has kicked me to the curb with giving me back around half of my money in which was in the amount of {$13000.00} + another {$40.00} that I had initiated back into my bank account The {$13000.00} that was put back into my bank account was done without my knowledge the same as when this hypothetically say this other {$700.00} that is and has been missing from this eToro account that I once had? Throughout this whole situation of my money been missing from this account? Etoro would have these 3 individuals call me and all 3 of these individuals would  tell me that they know nothing about cryptocurrencies due to them just starting at this company? I have email after email of all the XXXX that this company has filled me with on the where an about my money is. They would even sit there and tell me that I have made money on their platform! In which is a bunch of XXXX I should have at least broke even. Then they tell me that I had around {$300.00} in trading fees in which is a bunch of XXXX due to that I did not make that many trades in this account. On top of this and you are going to think that I am crazy but yes my bank account deposits have been manipulated as well to make it look like I did not deposit as much money as I did place into this account! I HAVE PROOF! I have proof and hard proof that this company eToro has stolen money from my account. That I once used to have?? I'm most certain that you being the cfpb will not do anything to help me out this will end up the same as when someone had stolen {$12000.00} from my XXXX account to where they did the same thing to me as this company has dined to me in which is and was to shut me down by them closing my accounts??

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX - XXXX XXXX ) Experian Account # : XXXX Account Type : Collection Account Type - Detail : Collection Bureau Code : Individual Account Status : Derogatory Monthly Payment : - Date Opened : XX/XX/XXXX Balance : {$1000.00} No. of Months ( terms ) : - High Credit : {$1000.00} Credit Limit : - Past Due : - Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : - Date Last Active : XX/XX/XXXX Experian XXXX Account Type : Collection Account Type - Detail : Collection Bureau Code : Individual Account Status : Derogatory Monthly Payment : - Date Opened : XX/XX/XXXX Balance : {$1500.00} No. of Months ( terms ) : - High Credit : {$1500.00} Credit Limit : - Past Due : - Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : - Date Last Active : XX/XX/XXXX If you do not immediately remove this inaccurate and incomplete information, I will file a formal complaint with the FTC. Furthermore, I intend to seek redress in civil action, for recover of damages, costs, and attorneys fees, should you continue in your deliberate obstruction of the law. For this purpose, I am carefully documenting these events, including the lack of response REQUIRED under law from you. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law, you had 30 days to complete your investigation, yet you have failed to respond. Your continued delays are inexcusable.

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