BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-26
Company: Experian Information Solutions Inc.
State: TX
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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT OF ED/XXXX, USDOE/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 explanation
Consumer complaint received 2020-10-10
Company: SYNCHRONY FINANCIAL
State: TX
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:
Someone use my credit card when that bank was transiting to XXXX  XXXX And they use my credit at Sam / whole sale which in that time they were giving credit to anybody bc of their sales were they were down, and they did not check if that card was the right person or not. They were using it and paying for it until they stop paying, and that how they put it in my credit. I demand that debt is off my credit or else I will sue 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 2020-10-10
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
YOU DID NOT CONDUCT YOUR INVESTIGATION IN THE PRESCRIBED FAIR TRADE CREDIT REPORT ACT 30 DAYS

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 2019-01-30
Company: Diversified Consultants, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On or about XX/XX/XXXX, Diversified Consultants added, once again, an account that has already been identified as not mine back in XX/XX/XXXX. This is the same company that was included in a federal lawsuit filed in the State of IL and subsequently dismissed when Diversified Consultants removed the account. 

This company continues to report an account that is not mine and they have never provided, in past communications, any proof that the account is valid. Their assumption is based on a name only and nothing else. This needs to stop, and they need to remove this account from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: TD BANK US HOLDING COMPANY
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: Their investigation did not fix an error on your report

Complaint:
I contacted TD Bank on XX/XX/2018 to make an inquiry for account # XXXX ( TD BANK XXXX XXXX ) as it reflects on all 3 of my credit reports, I spoke with a TD Bank representative to obtain information on the account and was informed that no information was found for account. TD Bank indicated the account may have been placed with their collection department and was forwarded to " XXXX XXXX XXXX '' which also informed me that no information for account # XXXX was found. 

I mailed a letter to TD Bank on XX/XX/18 by first class mail XXXX to follow up and request that the account be removed since no information for the account was verified or provided by either TD Bank, XXXX Credit Card Services and XXXX XXXX XXXX. 

I disputed the account with all 3 credit reporting agencies on XX/XX/18 and received results from TransUnion which had failed to investigate TD Bank XXXX XXXX # XXXX and continues to report the aforementioned trade-line without 'proper verification '.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: Key Management Company of Missouri, LLC.
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I applied for a small loan. I got the loan and made payments on time by phone. A situation has come up where I am not able to make the payments on the scheduled date. After several calls from XXXX XXXX at my place of employment they told my coworker they needed HR for garnishment. That is a violation of Consumer Debt Act. Secondly the coworker explained to them that this was a business and not to contact me here. They continued. On XX/XX/XXXX, I made a payment that I could manage to pay as well as a cease and desist letter advising them that they are not to contact me by phone as they call during working hours and I was now on probation for the excessive calls. I also made it known to not call my references/third parties and to have any further communication with me through mail. They have continued to call me daily. Today XX/XX/XXXX They called a reference/third party which again is a violation of consumer debt as I have given them written notice to not contact my references. I also provided them with proof of a garnishment already in place by another facility so threatening garnishment wasn't helpful nor telling my job they wanted to do a garnishment as they, by law, can not state that information. I would like to know what my options are since my rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020, I deposited two Separate checks. One was in the amount of {$12000.00} and the other was in the amount of {$780.00}. On the receipt I have in hand from Bank of America, it shows my check for {$780.00} will be available on Wednesday,  XX/XX/2020. These checks were from my Insurance Company, XXXX, and made out only in MY NAME. 

The rep XXXX is the one who hung up on me!!! She told me when I asked to speak to a manager, that the bank changed their mind  and are holding all my funds till XXXX. That is outrageous. 

I checked my bank account today to find that my check for {$780.00} is missing. I called BOA and the representative hung up on me. I had asked to speak to a manager to straighten this out. This woman said there was nothing they could do. I said I would report them again and file suit against this bank. You do NOT play with someone's insurance money like this!!! I had a serious issue with my house and I need to pay the company for hauling out the damaged items. 

XXXX is the wonderful rep who is helping me with this. She provided me the name of the prior rep who hung up on me.

I called back and am talking to another rep and I asked her to report the prior rep who hung up on me. YOU DO NOT TREAT A SENIOR LIKE THIS AND LIE TO THEM!!! I am outraged that BOA has people on staff that treat customers like this. I want the public to be aware of this situation with BOA.

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 2019-01-30
Company: Experian Information Solutions Inc.
State: IN
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:
Dear Experian, RE : Acct : XXXX Report Number : XXXX This account was under dispute and came back verified in XX/XX/XXXX and XX/XX/XXXX. I recently submitted a dispute asking that you delete the account due to multiple inaccuracies being reported by this account that doesn't even involve whether or not the account had been verified. All you did was update the account and still have failed to report it correctly. A collection account can not have a past due amount for sheer fact that a collection account is already a past due balance, therefore it itself can not have a past due balance. 
- This collection account reports 1 months terms - This collection account has been disputed and I have asked for method of investigation as well as who verified this account and Experian has failed to provide this information at every turn. 

This is not request for another dispute, investigation or re-investigation. 
Either provide the information asked for or remove this account 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 explanation
Consumer complaint received 2020-07-01
Company: Paypal Holdings, Inc
State: IL
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: Transaction was not authorized

Complaint:
On XX/XX/XXXX I notified XXXX that they were no longer authorized to request a debit to my Paypal account. On XX/XX/XXXX I spoke with Paypal and informed them the XXXX was no longer authorized to request any amount in the form of a debit and/or refund from my account. Paypal then cancelled ALL agreements I made with their company authorizing XXXX to withdrawal from my Paypal account. After this, Paypal continued to honor ebay request. I filed 17 complaints with Paypal requesting to be reimbursed for the amount that again they was not authorized to sent to XXXX, Paypal then credit my account. 3 days later, Paypal reversed all the credits and placed my account into a negative {$970.00}. I am request a immediate refund an credit for ALL funds Paypal sent to XXXX after XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
from : natural person-XXXX  XXXX XXXX to XXXX XXXX XXXX  XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX, XXXX XXXX, UNITED STATES, XXXX & XXXX XXXX Compliance Director XXXX XXXX All the entities listed on my credit report are not registered to do business in any of the States abroad. I do not have any debts being owed to any of these entities classified as unregistered unincorporated associations. For example : STATE OF MI/OFFICE CHILD or XXXX XXXX XXXX XXXX XXXX XXXX neither of these entities exist nor are registered to do business in the State of Michigan. 
Another issue is that you are allowing these non-existing entities to use different names with multiple social security numbers and report false debts under these stolen social security numbers. There is only 1 Social Security number/Estate authorized to be used, and that is XXXX. For example : who is XXXX XXXX with Social Security # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX etc. 
Estate-Social Security number XXXX has no debt. Also, these non-existing entities used fictitious physical addresses associated with Corporations only. 
I've uploaded STATE OF MI/OFFICE CHILD and XXXX XXXX XXXX XXXX XXXX record showing no business exist with MICHIGAN DEPARTMENT OF LICENSING AND REGULATORY AFFAIRS.

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 2022-10-05
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I am currently on the forebearance and the mortgage company has been reporting on my credit report the whole time I have been on the plan. I was told that that my credit report is not supposed to be impacted while forbearance.My credit score keeps dropping because the mortgage company keeps reporting negative information.When I spoke reps they were very rude to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: Experian Information Solutions Inc.
State: MA
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 been a victim of identity theft and a fraudulent account appears on my credit files. I have reported this account to all necessary authorities and Experian and XXXX are still reporting fraudulent account on my file that were deemed fraud by the FTC and local authorities.

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 2018-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNTS DUE TO ID THEFT APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # 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 2018-03-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My account was under review the XX/XX/XXXX for quite some time. I had no access to anything. My wife was stuck without any money for a long period of time. I am currently training on my way to XXXX. So this caused a huge problem. The open my account. So i could have full access then later I did not. They opened then it would close again. Then on XX/XX/XXXX I was told that my accounts will be closed. I received no reasoning why or warning.I have not done anything but be patient with my bank. This has come at the worst time ever.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: SYNCHRONY FINANCIAL
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Synchrony Bank ( Amazon ) has called me numerous times, please see the following dates and times : Monday - XX/XX/2020 : XXXX Tuesday - XX/XX/2020 : XXXX Saturday - XX/XX/2020 : XXXX XXXX XXXX XXXX Sunday - XX/XX/2020 : XXXX XXXX Monday - XX/XX/2020 : XXXX XXXX XXXX XXXX Tuesday - XX/XX/2020 : XXXX XXXX XXXX I feel like it's excessive and anxiety inducing. I use my phone for work, and it's not only disturbing to my work day but it emotionally disturbs 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 2019-09-17
Company: Experian Information Solutions Inc.
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:
This complaint is being made against Experian on XX/XX/19. 

I got an email from Experian that alerted me to two hard credit inquiries that were not made by me. Their website clearly indicates that I can not make a dispute for inquiries online, and  directs me to call XXXX. Upon calling this ( and multiple other numbers listed as Experian customer service ), an automated menu walks me through a few basic menus that do not include any options to start a dispute, and that don't allow a consumer to speak to a representative for any reason. It is shocking and appalling how ridiculous this is, particularly since Experian is dealing with important information like personal credit.

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 2018-06-08
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo had advised me of how much my mortgage payment would be after the month of XXXX. I was about to make a payment and they had increased the amount I saw on my statement. When i inquired about it they told me I had NOT paid my escrow and they added that into yet another payment amount. After some research they told me i was correct and they would make the adjustment to my mortgage because I just caught up with all {$13000.00} fees and mortgage.

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 2018-04-17
Company: WAKEFIELD & ASSOCIATES, INC.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
From phone # XXXX Supposedly Wakefield & Associates Unknown debt This phone number continues to harass my phone number even though I have the number blocked. I have not received written notification of this debt/collection to date. 

XX/XX/XXXX- 13 calls XX/XX/XXXX- 4 calls in less than an hour XX/XX/XXXX, my phone received 12 calls I have blocked the phone number due to the amount of spam/scam reports. My phone keeps a log of the blocked calls.

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 2022-08-25
Company: CONTRACT CALLERS INC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I do not have a contract or gave permission to this company. This debt was paid to the original company. This debt was illegally given to these people against my knowledge until it showed up & I was alerted of it being place upon me. 

There are false addresses placed on my XXXX XXXX report that needs to be removed as well. I tried to remove them but they returned back up on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: LJ Ross Associates
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted LJ Ross Associates on XX/XX/18 at XXXX to inquire about when they would stop reporting on my credit report for a debt profile in the amount of {$1100.00} that was RETRACTED from their company by the original creditor XXXX XXXX on XX/XX/18. They told me that even though XXXX XXXX now has the debt and Im paying XXXX XXXX directly they will still report on my credit report because they can. LJ Ross Associates is actively reporting on a debt that is no longer under their ownership/management and they are double reporting. That makes TWO FCRA violations they are actively participating in. This is an act of malice on their behalf. I spoke directly to XXXX XXXX on XX/XX/18 at XXXX after speaking to the representative at LJ Ross Associates , and XXXX XXXX confirmed for me that they contacted LJ Ross Associates and retracted my debt profile from them. It has been 30 days and LJ Ross is still refusing to delete their entry from my credit report. They have received proper notification and had ample time to do what is lawfully required of them and they have refused!!!!!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: Specialized Loan Servicing Holdings LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX 2017 Recently my mortgage was transferred from XXXX XXXX to Specialized Loan Servicing ( SLS ). At the same time I have been refinancing my house with another lender. The following things have happened over the last month as my new lender has tried to payoff SLS : -No information available about loan details when I initially called to talk about details, escrow, etc. Data from XXXX XXXX loan had not been updated in SLS system yet. 
-Personal account info is not available online due to their online system having " being down ''. I continue to not be able to get details on my loan unless I call. 
-SLS claims to have paid my property taxes from my escrow, but payment has not been received by my county. 
-Due to non-payment of property tax, my county has  assessed me a penalty. I should n't be responsible for this. 
-My new lender sent in the payoff amount SLS gave them, but SLS claims the amount was less than the payoff. 
-SLS eventually dispersed a property tax payment, but for some reason made a DOUBLE payment out of my loan balance, which is the reason they are claiming my lender is short on the payoff amount. The amount short on payoff is exactly the same amount of my property taxes. My property tax payment is XXXX. But they paid XXXX. 

It seems that there is no accountability by SLS to me as a consumer. I had to argue with customer service telling them that they keep changing the payoff amount from the original quote. The lady told me that I had to pay the largest amount. I kept asking her why the payoff keeps getting higher. She could n't tell me until she looked closer at my account and discovered that SLS had accidentally made a DOUBLE property tax payment. 

I am absolutely upset with this company. My hands are tied because I ca n't access my online account to look at any details. They are keeping me in the dark! They keep increasing my payoff amount to my new lender, because they accidentally made a double payment. This is preventing my lender from paying off the account. I am being held 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