BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I have sent letters every month since XX/XX/2018 to correct my personal information. I have incorrect names, address and employers still reporting. I have sent my ID as proof of my name and address and they still have not corrected the information.

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 2018-06-19
Company: Stewart Information Services
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
In the process of refinancing a real estate loan on my property, and Stewart title is erroneous inaccurately reporting incorrect public information on me stating that I have a child support judgement that is not even my name. Fortunately, I'm NOT some random XXXX who did/does NOT know who his father is/was ( XXXX XXXX XXXX ), nor have I ever been married, or had children, or been to ANY XXXX child support court! Nor am I a XXXX ( XXXX XXXX XXXX ), nor should I have, or ever been associated with some random person by the name of XXXX XXXX XXXX. There is NOTHING that is relative to my property, or address that has EVER been in the name, or related to anybody named XXXX XXXX XXXX. This is some random XXXX motivated negligent inaccurate XXXX  XXXX   XXXX, that ALL XXXX are alike!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On Thursday morning at XXXX, the above number called my phone. They didn't identify themselves or let me know why they were calling. A male caller said " Is this XXXX XXXX? '' I said yes. He said " The XXXX XXXX who lives at ( he proceeded to say a former address ) ''. I said " Whatever address you have, I'm not verifying anything. '' Hs then rudely said " No, that's not what I asked! I need to verify an address to give my process server. " I then said " Do whatever you have to do. " He STILL did not identify himself, his company, or what the matter was about. He then said " Good luck in court XXXX. '' then hung up. This XXXX needs to be fired. I only knew who it was by entering the number in XXXX - National Credit Adjusters.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted Transunion multiple times via correspondence for reporting a collection on my credit that does not belong to me. The collection is XXXX XXXX account number XXXX. This account is in violation of my consumer rights and even XXXX and XXXX  removed it from my credit report. This is causing me a lot of distress because of their negligence.

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 2019-05-23
Company: AMERICAN EXPRESS COMPANY
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
USA agenda Adversary in the divine court room XXXX will turn our darkness into light C/ LCDR XXXX XXXX XXXX XXXX, XXXX , XXXX XXXX XXXX to the Assistant Secretary of the XXXX ( Energy, Installations & Environment ) O : XXXX C : XXXX DSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: Experian Information Solutions Inc.
State: UT
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 as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2021-06-25
Company: Santander Consumer USA Holdings Inc.
State: NY
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:
On XX/XX/2021 Your company checked my credit report and put a inquiry on my report without my consent i never authorized your company to check my credit report without my knowledge. Please remove the inquiry i did not give you permisson to check my credit report. I dont have a account with your company. I wrote letters to you in XX/XX/2021 asking you to remove the inquiries i have not heard anything from you and wrote letters to XXXX XXXX and XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
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: Personal information incorrect

Complaint:
I have sent letters every month since XX/XX/2018 to correct my personal information. I have incorrect names, address and employers still reporting. I have sent my ID as proof of my name and address and they still have not corrected the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: Shellpoint Partners, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This complaint is in follow-up to CFPB complaint XXXX. I have filed multiple complaints with the CFPB against my Lender regarding their handling of my escrow account. Please see complaint numbers : XXXX, XXXX, XXXX, and most recently, XXXX. I received notice on XX/XX/2020 informing me that the PMI on our home had been cancelled effective XX/XX/2020. They said at that time a new escrow analysis would be performed to provide me with updated payment information, reflecting the removal of our PMI. When I did not hear anything, I called the office. I was informed I would receive one by XX/XX/2020. XX/XX/2020 came and went and no escrow analysis. So I called again XX/XX/2020 and I was told nobody ever ordered an escrow analysis, despite me being told there was one ordered and a " rush '' was put on it. So the agent ordered a new escrow analysis, and she said she would put a " rush on it as it was the third I had requested. She said it would be ready by XX/XX/2020. Today I received a letter from Shellpoint Mortgage Servicing informing me that they were removing my PMI effective XX/XX/2020, as well as notifying me that the escrow analysis I received in XXXX of 2020 XXXX prior to my PMI being removed ) showed an overestimation in what my payments would be for the following year ( an issue I disputed with NewRez multiple times ). I called NewRex today to find out how the overages I had paid would be returned/refunded to me and they said they would have to pull the new escrow analysis. Once again, the order for a new escrow analysis was not placed. Finally, I spoke with an agent names XXXX XXXX. She placed the XXXX request we have made for an updated escrow analysis today and instructed me to fax a letter to their escalations department at ( XXXX ) XXXX to inform them this is my 4th request, and to request a " rush ''. I am currently in a forbearance plan due to COVID-19 impacts, and I am working to pay my balance by the date my forbearance plan expires ( XX/XX/2020 ). I must know how much I am actually going to owe in order to satisfy repayment. We have never had a straight answer from NewRez regarding our escrow account, despite multiple queries, and CFPB complaints. It took an analysis from Shellpoint to finally find what I had been telling them all along - that my escrow payment was too high. Now, I can't even get them to order an escrow analysis. They are still holding overpayment for PMI that was cancelled 6 months ago. Something has to be done about their inexcuseable practices surrounding their management of escrow accounts. Normal people just want to pay their mortgage. It should not be this difficult to get what we are entitled to ( an accurate escrow analysis ) so we can pay our mortgage. I have been fighting for months now. This is completely inexcuseable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have a referral bonus of XXXX XXXX XXXX XXXX ( XXXX ) plus XXXX additional XXXX points awarded to my account. As of XX/XX/XXXX and after several attempts at contacting American Express to resolve and transfer points to XXXX, I am continually being given different issues about why they are unable to transfer. My last contact was thru online chat and twitter direct messaging @ AskAMEX on XX/XX/XXXX. There should be no issues with my account and these points should have been transferred in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
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: Information belongs to someone else

Complaint:
I am distressed that the information below in my credit profile is due to 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 2018-11-12
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: Their investigation did not fix an error on your report

Complaint:
i have many credit inquiries that i did not authorize. Experian did nothing to remove 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 2018-11-12
Company: SYNCHRONY FINANCIAL
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
A few weeks ago, my husband and I received in the mail what we believed to be replacement credit cards for our XXXX XXXX/Care Credit credit cards. We applied initially for Care Credit a few years ago to help us when we run into the occasional incidents where we have medical, dental, or veterinary expenses that exceed our out-of-pocket financial abilities at that time and the cards are used VERY rarely, MAYBE once every 1-2 years. Anyway, we received two cards from Synchrony/Care Credit that we believed to simply be replacements for our existing cards. The cards had the standard stickers on the front to call and activate them, so I did so and did not encounter anything that seemed out of the ordinary or unusual from any other time I've ever received new cards from any other bank/credit card institution. I believe that the new cards were just that, new cards ( possibly with an increased spending limit, I don't recall ). In the past when I've encountered such circumstances with other such credit companies ( like XXXX XXXX ), a new card or an increase in spending limit does not equate to a whole new account being opened. However, today I received notice from XXXX XXXX ( via a feature that I use to monitor changes in my credit ) that a new account had been opened in my name and it had adversely impacted my credit score. Upon review, Synchrony/Care Credit had closed my prior account with them and had opened a whole new account for me and my husband when I activated the new card. The closing of one account and opening of another dropped our credit scores. I immediately called the credit bureau ( XXXX, in this case ) and reported this issue as a dispute on both of our credit reports. At the advice of the credit bureau, I also called Synchrony/Care Credit to ask why they had closed my old account and opened a new one as opposed to just giving me the new card/increasing my limit on my old account. I was advised, basically, that they had sent me fine print or a " disclosure '' that had informed me this is what they would do. Respectfully, I am a XXXX  XXXX XXXX and maintain this designation actively. I XXXX XXXX and XXXX for a living. I am far more savvy and attuned to these sorts of things than the average consumer. So if I fell for this, I imagine many other consumers are as well. I don't think what Synchrony/Care Credit did is honest/ethical and I certainly would not have consented to opening a whole new account with them for a card that I do not maintain a balance on and use incredibly infrequently and only for certain specified purchases. I feel this practice of sending account holders mail that looks like just new cards is a dishonest and questionable business practice.

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 2019-05-23
Company: Source Receivables Management LLC
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:
SOURCE RECEIVABLES MNG XXXX XXXX XX/XX/2018 {$3000.00} {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX-XXXX Try to contact with company with mail / disputes to verification letter they never respond or sent me any info about the debt and they are reporting to credit brues as collection but i have no idea baout that i need them to sent me verification of debt not verified or you owned that i want actual paperworks to verify that info or remove from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: CARVANT FINANCIAL LLC
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In XX/XX/2018, I notified Carvant Financial to cease telephone contact with me due to excessive calling and verbal threats of repossession. I have photo 's in my phone from Carvant Financial excessive calls. Their calls have been back to back and multiple times per day. I spoke with the account manager XXXX and advised him of the harassment and verbally requested the company stop all communication. I continue to review calls, text and voicemail 's from this company. I have records of expamples of the calls made : XX/XX/2018 calls from XXXX at XXXX est, XXXX XXXX est and XXXX est. This is a direct violation of the FDCPA and TCPA policies. Also dated XX/XX/2018 they called and left consecutive messages at XXXX XXXX est and XXXX est.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-25
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I did a instant transfer through Cashapp to my XXXX XXXX XXXX personal account of {$85.00} on XX/XX/XXXX. The money did not transfer, I was then told through their chat service that it would be 1-3 business days even though state instant and was charged a fee of {$1.00} to transfer to my personal account. They refunded the transfer fee and then state again it could be 1-3 days for my money to deposit. They stated I needed to contact my bank because my card my be turned off and or maybe incoming. I spoke with XXXX and they stated they saw nothing incoming for Cashapp at all. As of XX/XX/XXXX, my money still has not been deposited into my account. I reached out to Cashapp XX/XX/XXXX and they stated that they escalated it to a speciality team and to look out for an email, not a call but an email. I was also told that this could be another 48-72 hours. I asked what exactly what happened? No answer, nothing has been explained nor tried to be explained.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: TD BANK US HOLDING COMPANY
State: MA
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:
Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

What I am disputing : The late payments you have reported to the three credit bureaus.

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was reading my emails when I realized I had a message from XXXX XXXX monitoring notification, To my surprise, I saw that my credit score had dropped 30 points. I looked at the details too both XXXX and XXXX, I read that Navient 1 had reported my account to have 90 - 119 days late. 
I had a Chapter XXXX Bankruptcy that was discharged in XX/XX/XXXX. I received a letter from the XXXX XXXX advising me that after the bankruptcy discharge there made be a letter sent from any creditors in which I had a balance if any. 
When I read my credit report I called Navient and explain to them that I have not received any letters or communications concerning any balance. This call was made in XX/XX/XXXX. During this call, I explained that I have not received any communication or letters from Navient in reference to this loan. In my bankruptcy, I had a balance high of {XXXX} down to the Navient present balance of {XXXX}. I agreed to pay the amount of {$XXXX} plus interest by XX/XX/XXXX, and continue monthly payments of {XXXX} until the balance is paid. All I ask is that the derogatory marks on my credit report be removed as per the dispute. I had to update the information on my profile because the information was incorrect on record. I hope Navient will remove the marks as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I closed this card quite some time ago, and I am being billed 17.99 % APR on {$1500.00} and 23.74 APR for cash advance of {$1400.00}. This is usury at it ; s ugliest and deception.

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 2021-06-25
Company: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal suddenly closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. They suddenly closed my account without any reason and I have not been able to get help from them for months but I just remembered I could file a report on here. I am unable to get any help from them and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: Presto Auto Loans, Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Presto Auto Loans is reporting a title loan to my credit report, I did not authorize the company to report this to my credit. The information reported is incorrect and I have requested multiple times for this to be removed.

Company response to consumer: Closed with explanation