BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-12
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 have fraudulent inquiries on m credit reports i reached out many times and they did nothing to 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 non-monetary relief
Consumer complaint received 2019-06-06
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
paypal closed out my account b/c i filed a cfpb complaint they still owe me {$60.00} which they helded and closed out my XXXX they say b/c i had more than one dispute from the same person i might add so they closed me out and help my money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-23
Company: Caliber Home Loans, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I requested a copy of my entire servicing file from Caliber Home Loans as provided for under XXXX XXXX XXXX  since XXXX XXXX, 2018. Caliber has failed to comply with my request to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17
Company: SYNCHRONY FINANCIAL
State: DC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX XXXX XXXX XXXX collected payment for a procedure that was supposed to take place on XX/XX/XXXX so the date of the service was XX/XX/XXXX. 
I made this payment on the basis of the XXXX telling me i would receive a XXXX procedure. 
Instead he used a XXXX XXXX on me whcih has XXXX XXXX XXXX. XXXX XXXX are used to remove XXXX and are not XXXX XXXX. I did not pay for a XXXX treatment but a XXXX treatment that clearly was not conducted on my skin as evidenced by multiple photos & acknoweldgements by the office of XXXX XXXX. 
The use of this unconsented treatment was ackowledge by XXXX, the assistant to XXXX XXXX in the scan attached to this complaint. 
This was an advance fee scam that has XXXX XXXX XXXX and is not aligned with the terns agreed to under the care credit card. I became suspicious of what type of XXXX  was used given the XXXX XXXX XXXX XXXX XXXX, There are photos taken in XX/XX/XXXX that show the bad XXXX XXXX XXXX XXXX & support my claim i did not receive a XXXX XXXX As such I am due a refund of all of my monies as they were obtained under fraudulent cirumstances. This does not even address the thousand of dollars of loss that i experienced as a result of receiving this fraudulent XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: Franklin Collection Service, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a derogatory remark on my credit report stating I owe {$120.00}. I fo not recognize this charge, and my credit record has been impacted by this collection without the benefit of being contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have had my Discover card stolen from me while I was shopping at the XXXX XXXX XXXX XXXX XXXX, located in XXXX, CA on XX/XX/2018. 
Discover was notified as soon as the loss was realized - basically next day -Police report - XXXX # XXXX - was filed later ONLY because it was expected that Discover would keep the promise to always support its LOYAL customer -Police detective called Discover to confirm the report filed -Copy of the police report was sent to Discover. Discover said that they will hold me accountable for the charge and refused to treat this as credit card fraud. Furthermore, they reported me to the credit bureaus for disputing the account. After months of calling and trying to get this resolved, they told me they wouldn't do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through eOscar. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All XXXX major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

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 2020-02-13
Company: Experian Information Solutions Inc.
State: LA
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:
Ive tried on multiple dates and time from XX/XX/XXXX through XX/XX/XXXX to fix these fraudulent issues regarding this account. Ive disputed and exercised my rights with the use of legitimate sources and instruments to obtain titles from this car loan that was not legitimate and fraudulent in many ways. They are reporting on my credit reports til this day. I have police reports and also have filed reports with the FTC on this company multiple times.

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 2020-05-16
Company: Freedom Mortgage Company
State: WI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been lied to repeatedly by this company. Even the VP of customer service has lied!!! You get the run around. You get letters stating your loan modification is incomplete and letters stating its complete. Representatives are unable to confirm what is actually needed. They put my loan in forbearance then removed it with NO input from either borrower. They are dragging their feet. This has been going on for months. They dont deserve government backed loans

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 2021-04-26
Company: CITIBANK, N.A.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This is the Citibank repeatedly calling me multiple times a day regarding my Home Depot account. I have had ongoing issues for approximately a year now with them not getting my statements to me either via paper mail or online. I have spent countless phone calls and emails trying to correct the situation but they do not have their act together on their end. I therefore have informed them to stop calling me and also that I will not be shopping Home Depot any longer.

The calls continue on a daily basis even on weekends and Sundays.

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 2021-08-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2021. I purchased a ticket for my fianc to travel from XXXX to XXXX XXXX. Trip was for XX/XX/XXXX. The ticket was purchased via XXXX ticket cost {$550.00} on my capital one 360 debit card. 

On XX/XX/2021. I got an email from XXXX that the ticket was canceled. Due to COVID-19 anyone that has been in XXXX within two weeks will not be allowed to travel to USA. 

I called XXXX to rebook the ticket to another destination but they said because I booked via XXXX they will not be able to help. They said XXXX needs to refund me. 

I called XXXX to try to reroute his ticket but they will not. They kept telling me that theyll get back to me. I had to purchase another ticket entirely for my fianc to travel. 

I called XXXX several they said theyll get back to me on refunds. They never called me or sent any emails as of Today. I called them again Friday the XXXXXXXX XXXX  after I got the email of denial from capitalone. They still said theyll get back to me maybe in XXXX. 

I called capital one 360 to explain why they decided in the favor of XXXX and I honestly dont understand a reason. 

Capital one 360 claims XXXX had provided a proof that they tried to resolve the matter with me but thats a BIG FAT LIE!!! Till today as we type. I have not heard from them ( XXXX  ) Not phone call not email. No refund of my money. No travel voucher. I feel scammed : ( Ive never felt so bad on that my bank will not have my back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My prior claim numberXXXX Well to start again I finally got a bill like normal companys send. The statement does show what you show pay them. It does not show payment or mortgage balance. How cam a company you pay XXXX $ per month and show nothing. Maybe the need some better management. They will not tell me who they pay my money too. They have not got my harp payment either. They had a lien put on our home because they never made a proper payment. They paidXXXX however the missed a payment somehow and due last XXXX XXXX.i told and sent the papers in XXXX. So the money owed is costing me because of late charges. I also want the lein taken off our home.can someone tell me why does a mortgage company need you to send your money to another company to pay your mortgage. Who is paying for that. The mortgage company that I dont even XXXX who they are. I cant believe this XXXX. I never had a problem with any company like this slip share company. They cant be doing this to just me. They need to be put out of business. Thank you

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
We received a letter from M & T bank postmarked XXXX, NY XX/XX/2021. The letter is addressed to our son XXXX and to us, XXXX XXXX and XXXX XXXX XXXX as guardians. 

The letter states that under provisions of the Patriot Act they will close our account because they are not able to identify us. The checking account in question has been open for more than 10 years. It is the account where our son, and his mother as Representative Payee, receives the monthly XXXX benefits. 

The letter claims they have made several attempts to reach us but were unable to do so. How? We received no correspondence by regular post or email describing what additional documents were needed. The lack of clear directions was the basis of our orgi We have exchanged emails with XXXX XXXX XXXX, Regional Vice President as recently as today and have made arrangements to complete signature cards for the savings account they claim to have opened.

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 2020-11-27
Company: Credit Plus Inc
State: TN
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 NXX/XX/2019, CREDIT PLUS add a hard inquiries on my credit reports per XXXX, XXXX and XXXX. 
On XX/XX/2019, XXXX XXXX XXXX XXXX add a hard inquiries on my credit reports per XXXX, XXXX and XXXX. 
On XX/XX/2019, XXXX add a hard inquiries on my credit reports per XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I couldnt open any bank account they said because of consumer report Im wondering whats wrong with my credit report and Im sure theres no debt in my credit report history as long I know I was clean and now i cant open bank account so please if can help to know whats going on with my identity I appreciate Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I contacted them because I had a check on hold and yet again they have a hold for more then 5 days. Knowing we are going through a pandemic they normally send me a notification when Im overdraft and that to deposit to cover funds which I had available in my other account and they talked about how I have been over draft 17 times they only helped with 1 overdraft and didnt acknowledge in helping but saying they can help file a complaint.

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 2018-07-15
Company: Trident Asset Management, L.L.C.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This {$28.00} they have me owing, was part of XXXX which I paid in full and there is no longer any debt owed to XXXX or this XXXX $ fromTrident. Its messing up my credit report And I dont know how to get it off or fix it. Please instruct me on how to eliminate this from being on my credit thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Good Evening, I am an XXXX Veteran XXXX XXXX XXXX has sent a put a debt on my cr3it report for {$5300.00} plus dollars for a home, I vacated and left the premises on XX/XX/2017. I have a signed statement, from them via XXXX, releasing me from said property, I never lived there, anytime after the XX/XX/XXXX. I have the signed document, stating these facts. I have asked them to remove this from m6 credit report, they have threatened to sue me. I am XXXX XXXX   XXXX veteran, who only receives va n social security for XXXX, XXXX, XXXX XXXX, XXXX, THEY CALL AND HARASS ME, I HAVE TOLD THEM TO CHECK THEIR FILES..the attached document shows, I did live there, m6 credit score dropped many points, I am asking them to remove this, as it is causing me extreme stress, and I am unable to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
1. Correspondence was sent on XX/XX/2021 by consumer and Hartland ECSI had 7 days to respond in which there where no response 2.Hartland ECSI received proper endorsement on statement UCC 3-204 and Hartland has not credit the account nor updated credit report, to bring the balance to XXXX See Attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: EQUIFAX, INC.
State: CT
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:
In XX/XX/2021, I noticed several inaccurate, fraudulent, erroneous, and false entries on my Equifax, XXXX, and XXXX  credit reports. I have made direct disputes with the creditors, but with no success. I have notified the credit bureaus directly and requested for the items to be removed. All three bureaus have failed to act within the time frame the law allows. At the present time, each bureau is in clear violation of the laws of the United States, and specifically the Fair Credit Reporting Act. I wish to have the fraudulent items removed from my credit reports, immediately. In the event the items are not removed I intend to initiate a small claims lawsuit as well as lodging criminal charges against the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Transunion - I have sent over 4 dispute letters to Transunion all by certified mail and requested to remove inaccurate accounts on my credit report and they have yet to remove it. The company has been in violation of the FCRA for over 90 days now and I would like some action taken to get this resolved. I will be sending a letter to the attorney general of NC about this matter if it continues to not get resolved.

XXXX  - I have sent over 4 dispute letters to XXXX  all by certified mail and requested to remove inaccurate accounts on my credit report and they have yet to remove it. The company has been in violation of the FCRA for over 90 days now and I would like some action taken to get this resolved. I will be sending a letter to the attorney general of NC about this matter if it continues to not get resolved. 

Dates:XX/XX/2020- XX/XX/2020 Actions Taken By Me : Sent 4 dispute letters to both bureaus ( XXXX  and Transunion ) by Certified Mail Return Receipt to remove inaccurate accounts.

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 2021-06-22
Company: Patenaude & Felix A Professional Corporation
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
LETTER1. 
DELIVERED ON XX/XX/2021 AT XXXX. 
USPS TRACKING NUMBER XXXX. 

HERE IS A COPY OF LETTER 1. 

XX/XX/2021 Patenaude & Felix , APC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX : XXXX ISSUED AS XXXX XXXX, FILE NUMBER XXXX Dear Patenaude & Felix , APC, I am responding to your contact about collecting a debt. You contacted me by mail on XX/XX/2021 and identified the debt as XXXX ISSUED AS XXXX XXXX, FILE NUMBER XXXX. 

If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX LETTER2 DELIVERED ON XX/XX/2021 at XXXX XXXX USPS TRACKING NUMBER XXXX. 

HERE IS A COPY OF LETTER 2. 

XX/XX/2021 PATENAUDE & FELIX , APC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX : XXXX ISSUED AS XXXX XXXX, FILE NUMBER XXXX DEAR PATENAUDE & FELIX , APC, A LETTER WAS SENT TO YOUR COMPANY TO VALIDATE THE DEBT, BUT THERE HAS BEEN NO RESPONSE FOR OVER 30 DAYS. 

ENCLOSED IN THIS LETTER IS A COPY OF THE TRACKING SHOWING THE VALIDATION LETTER WAS DELIVERED ON XX/XX/2021 AT XXXX, AND A COPY OF THE FIRST LETTER SENT REQUESTING TO VALIDATE THE DEBT. 

THE DEBT IS UNVERIFIABLE BECAUSE YOUR COMPANY DID NOT RESPOND WITHIN 30 DAYS. 

PLEASE CEASE ALL REPORTING AND CEASE ALL COLLECTION EFFORTS OF THE DEBT IMMEDIATELY. 

I ALSO REQUEST TO HAVE THIS DEBT DELETED FROM MY CREDIT REPORT IMMEDIATELY. 

THANK YOU. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX I NEVER RECEIVED A VALIDATION OF THE DEBT UNTIL NOW.

Company response to consumer: Closed with explanation