BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-09
Company: Paypal Holdings, Inc
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XXXX  refuses to properly communicate. I receive form emails that do not address the issue. I have asked them to call me but they refuse. 

XXXX  has facilitated unauthorized transactions from my business checking account. They refuse to provide transaction history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-08
Company: RS Clark and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have asked RS Clark and Associate to remove this from my credit report back in XX/XX/2014. I never got a respond back from RS Clark Associate. Original Balance {$53.00} and Highest {$0.00} Balance.And Status : Chapter XXXX Bankruptcy Dismissed. It's need to be removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Cease & Desist Pursuant to 15 usc 1692c. ( c ) I AM NOTIFYING YOU IN WRITING THAT I REFUSED TO PAY THIS ALLEGED DEBT AND I AM DEMANDING THAT YOU CEASE ALL FORMS OF COMMUNICATION WITH ME THROUGH ANY AND ALL MEDIUMS WHICH I SENT CERTIFIED LETTER ASKING TO DO SO ALSO PURSUANT TO 15 USC 1692C ( C ) ( 2 ) I AM INVOKING MY SPECIFIED REMEDY AS A CONSUMER, AND THE ORIGINAL CREDITOR I AM DEMANDING ALL THE FOLLOWING : XXXX OUT THE BALANCE ON THIS ACCOUNT 2.DELETE FROM ALL CONSUMER REPORTS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: CITIBANK, N.A.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Citibank called me and told me I owed a late fee in XXXX because my payment on my sears improvement card went up.. so I paid it..I was told this would bring my account current.. NOW I get a call today saying my account is past due again and I owe them {$26.00} and once paid they would reverse the late fee of {$35.00} so I paid it over the phone again.. then I was told that NO that's not true by a supervisor, that they credit my balance,, but the payment was still short so I would continue to accrue late fees!!!? So the rep LIED when they said the extra payments I made were bringing the account current, they lied just to get me to pay something over the phone to help their goal for the day and would lie, cheat and steal, to do anything to get a XXXX senior on a limited income, to give them money! NOW I am told that the money I gave today will STILL not bring my account current.. again! they did this to my sister on a card she had with them and she got so disgusted, she stopped paying it. the Citibank XXXX  XXXX page if filled with similar complaints.. if you add up all their fraudulent fees they have charge people, I think you will find overwhelming evidence to fine them into a class action law suit.

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 2015-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I filed an online dispute regarding a credit account that inaccurately altered my account from " pays as agrees '' to " included in bankruptcy '' even though a bankruptcy has not been filed. I contacted the creditor who agreed the account was supposed to be closed just due to inactivity on my account since it was not used for XXXX years but someone at their company entered the information incorrectly. They have sent notice to the XXXX creditors that the account should be changed to " pays as agreed '' but transunion continues to claim that they have not received the information and denied my dispute. The form of verification they used was merely to contact the creditor in question instead of using a XXXX source of verification to see if a bankruptcy was even recently filed. XXXX has received the updated information from the creditor and updated my report accordingly. XXXX and TransUnion have not. XXXX has also prompted another lender of mine to place my loan account on hold due to this ping of inaccurate information. They have had three weeks now. Any longer may result in me seeking legal action that will cost me more time and money. Why would a credit company just call the lender when the consumer is disputing information provided by said lender. That 's like asking a liar if they are lying.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-08
Company: EQUIFAX, 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 XX/XX/XXXX, I've sent Certified Mail letters ( my identity theft affidavit with my signed and stamped police report ) to Equifax : XXXX XXXX XXXX XXXX XXXX, XXXX  : XXXX XXXX XXXX XXXX XXXX and XXXX : XXXX XXXX XXXX XXXX XXXX, regarding a fraudulent opened account. 

The account that was to be removed : XXXX XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX, with a balance of {$0.00}, and a high balance of {$36000.00}. 

On XX/XX/XXXX, well over 30 days later, I sent in an Affidavit of Truth & Facts by Certified Mail regarding the left on fraudulent XXXX XXXX account to Equifax : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX : XXXX XXXX XXXX XXXX XXXX and XXXX  : XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX XXXX I am now sending in complaints to the FTC, and the Consumer Financial Protection Bureau about the still left on account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Hi there not only am I a victim of identity theft this company refuses to validate this debt in a metro compliance way. am I saying that this is to identty theft no Im not Im trying to get them to understand that I have no knowledge of this debt. The incorrect names etc the threat to be reported frivilous when all im trying to do is clarify where the accounts came from.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am having issues with SLS Specialized Loan Servicing Company. When the mortgage was turned over to them from a previous mortgage holder a couple years ago THINGS GOT REAL BAD. Since then the posting of payments made have been inaccurate and misfiled, even so to have me put into foreclosure that went all the way to a Law firm XXXX XXXX XXXX firm that SLS later found the mistake and corrected it this was in XX/XX/XXXX. I was shown as XXXX behind. They were going to take my house. SLS ended up fixing the foreclosure with the Law firm. Only saying they misplaced the money. They mailed me a statement that shows not past due, current amount and payment amount due etc. XXXX XXXX XXXX XXXX emailed me a copy of the dismissal letter and said your not in foreclosure. I now have damaged credit showing 19 plus late payments and another amount of XXXX on my credit from them! They are crooks. I have called them asking for proof of their mistake of putting me into foreclosure then them fixing it and they told me the money just got misplaced. I called SLS XX/XX/XXXX just to ask when they received my last payment and when is the next one due because i do not trust them SLS told me they have not received anything since XX/XX/XXXX!! I have the proof XX/XX/XXXX was made last week. They are ruining my credit with 19 plus late payments stating 150+ days late! This is now on my credit. I used to have them draft my house payment from my account. I had that finally come to a stop last month after a long time of getting someone to help set it up. They have horrible reviews and need to be stopped. This was my first home i purchased when i got out of the XXXX years ago. I now rent it out as its too small for my family. We were going to purchase a new home this year and the loan officer told us this was on our credit! This company is recording false payments and as my phone call the other day they still are not recording my payments. This must be stopped. Please help. Thank you

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 2018-06-22
Company: TIDEWATER FINANCE COMPANY, INC.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I bought furniture from XXXX XXXX XXXX in XX/XX/XXXX. My credit access is frozen because my wallet has previously been stolen. ( I have Excellent credit ). To make things easy the salesperson used Tidewater Finance.

I had planned to make 3 payments over 3 months to pay off the credit line. I was trying to keep my great credit score by borrowing and quickly paying off the credit line. 

On XX/XX/XXXX I wrote an electronic check for {$1000.00}, but oops I extra zero and I sent them {$10000.00}. That check cleared the bank on XX/XX/XXXX. I contacted them as soon as I realized it ( within 15 days ). I  have since had my request for a refund escalated to a supervisor w/ no response. Today they told me that I requested my most recent escalation in XX/XX/XXXX and I would need to wait another 45-60 days from that date ( working days only ) before they would issue a refund. They charge 31.99 % interest on balances not paid by XX/XX/18. I had a credit line for {$3000.00}, I overplayed, by accident, {$6900.00}. They have backed my refund since XX/XX/XXXX and now tell me it will be XX/XX/XXXX or XX/XX/XXXX before the refund is issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2020, I called Marcus  by Goldman Sachs bank to close my savings account which i have had for over two years.. I was told they would wire transfer my money to another bank where I have an account. Instead without ever contacting me they froze all my funds and locked me out of my account. I called them on the phone and they told me they can hold my money for any reason and for as long as they want and don't have to tell why, They then told me they are mailing me papers i have to have notarize and return before they will discuss my account with me. 
So basically they have stolen all my money without any explanation and who knows when I will ever see it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: V and H Portfolio
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company, I have never made or agreed to entering into contract with. They have failed to validate and type of debt I owe. They are making false claims against me by way of Identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-30
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: Their investigation did not fix an error on your report

Complaint:
They refuse to investigate dispute because they claim they investigated it in 2015 there are two loans on this account that are over seven years old and still remain on my credit report I asked them to delete them and I got no response from my written dispute to their company which is Experian credit reporting

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 2021-02-11
Company: BANK OF AMERICA, NATIONAL 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:
Regarding case # XXXX that you closed please add the following to the record : From : XXXX XXXX XXXX Date : XX/XX/2021 at XXXX EST To : XXXX Cc : XXXX XXXX XXXX Subject : Re : From the Florida Attorney General 's Office Thank you for sending me the explanation letter from Bank of America. 
The letter contains several falsehoods 1 ) we did not open the account on line. We visited the branch on XXXX XXXX adjacent to the XXXX XXXX in XXXX XXXX. 

2 ) we did not misspell our last name. We furnished the Bank of America representative our Florida drivers licenses and the printed email with the offer. The bank statements show the correct spelling.

3 ) the offer prescribed that the bonus had to be paid after 60 days from the deposit date. We deposited the money upon opening the account not days later.

Thank you for your help. We are convinced that without your intervention Bank of America would never pay what was due to us. Please monitor the banks behavior on behalf of the Florida consumers. 

Sincerely, XXXX and 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 2020-08-28
Company: Southern Management Systems Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My SSN was stolen by a woman with a similar name to my own. She leased an apartment called XXXX II in XXXX, in XXXX XXXX FL, then left owing rent of approx {$1600.00}. The apartment 's collection agency, Southern Management Systems, then reported this on my credit. 

I learned about this only as I was applying to re-finance a mortgage on my home, that I owned since XXXX. I contacted the collection agency by phone in XXXX of XXXX. 

After getting more information, I filed an FTC report of ID theft, and a report with the XXXX XXXX FL Police Department 's Economic Fraud unit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: Nelnet, Inc.
State: FL
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:
There is multiple loans showing up on my account with many different balances as well showing that there is a lot of different creditors which is also duplicate charges that should not be showing on my account also they did take taxes which they stated that the payment was submitted to the department of education

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
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:
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 2020-01-20
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Rushmore loan management is my mortgage servicer. I have incurred a large property insurance claim from a tornado impacting my home and rendering it temporarily uninhabitable. Rushmore 's handling of the claim is abusive, resulting in greater than one month of Rushmore holding funds after all documents have been submitted to them before releasing them to me with no compensation in the form of earned interest or offset to my mortgage principle ( for reference, Rushmore is currently holding a material amount funds equivalent to 20 % of my mortgage payoff ). Rushmore has made themselves difficult to reach by routing all customers through an IVR which forces them to listen to pre-recorded account statements for several minutes, at the end of which I may find out they are not even open and they terminate my call. Rushmore has sent a letter claiming I need to submit additional documents before they can release funds to my contractor, but Rushmore 's phone agent said this letter is incorrect and they can release funds ; however they have released less than 1/3 of the funds they are holding without giving any reason or process for me to have the other 2/3 of funds released.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
Capital One has made numerous inquires into my credit since XXXX. Not a single one of those were authorized. I have not been shopping for either an auto loan or a credit card. I am currently in Chapter XXXX bankruptcy and not even allowed to apply for credit. I have filed disputes online with the credit reporting companies as well as mailed something to Capital One requesting removal. I have, to date, received NO PROOF that I agreed to these inquiries. When asked for proof I received a letter that just said " Inquiries are a factual part of your credit ''. I have not, and will not, ever apply with Capital One for anything. This has been affecting my application for a mortgage during my Chapter XXXX. I want the following inquiries removed from ALL Credit Reporting Agencies. 


XX/XX/XXXX - Inquiry XX/XX/XXXX - Inquiry XX/XX/XXXX - Inquiry XX/XX/XXXX - Inquiry XX/XX/XXXX - Inquiry XX/XX/XXXX - Inquiry XX/XX/XXXX - Inquiry XX/XX/XXXX - Inquiry XX/XX/XXXX - Inquiry XX/XX/XXXX - Inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: Experian Information Solutions 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 XX/XX/XXXX, I've sent Certified Mail letters ( my identity theft affidavit with my signed and stamped police report ) to XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX XXXX and Experian : XXXX XXXX XXXX XXXX XXXX, regarding a fraudulent opened account. 

The account that was to be removed : XXXX XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX, with a balance of {$0.00}, and a high balance of {$36000.00}. 

On XX/XX/XXXX, well over 30 days later, I sent in an Affidavit of Truth & Facts by Certified Mail regarding the left on fraudulent XXXX XXXX account to XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX : XXXX XXXX XXXX XXXX XXXX and Experian : XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX , I am now sending in complaints to the FTC, and the Consumer Financial Protection Bureau about the still left on account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XX/XX/XXXX, I've sent Certified Mail letters ( my identity theft affidavit with my signed and stamped police report ) to XXXX : XXXX XXXX XXXX XXXX XXXX, TransUnion : XXXX XXXX XXXX XXXX XXXX and XXXX : XXXX XXXX XXXX XXXX XXXX, regarding a fraudulent opened account. 

The account that was to be removed : XXXX XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX, with a balance of {$0.00}, and a high balance of {$36000.00}. 

On XX/XX/XXXX, well over 30 days later, I sent in an Affidavit of Truth & Facts by Certified Mail regarding the left on fraudulent XXXX XXXX account to XXXX  : XXXX XXXX XXXX XXXX XXXX, TransUnion LLC  : XXXX XXXX XXXX XXXX XXXX and XXXX : XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX , I am now sending in complaints to the FTC, and the Consumer Financial Protection Bureau about the still left on account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: EQUIFAX, INC.
State: TX
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:
after Equifax betrayed EVERY AMERICAN ADULT ( I did the maths. the breech was not just an amount of americans, it was LITERALLY EVERY AMERICAN ADULT. ), they were allowed to protect us ( from themselves? ). so maybe this time, something will get done : they have an address for me that is IMPOSSIBLE. i have NEVER in my lifetime even VISITED Oregon, yet Equifax has a Portland address for me ; also, they have my " current '' employment information as : Accurate Staffing Care. that company BELONGED TO MY FATHER, so when i tell you that NO ONE WORKS THERE, ESPECIALLY NOT ME, you can believe me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
For two years now TransUnion has had me locked out of my online account, despite my efforts to reset a password multiple times .There is inaccurate information on my report as I have gotten emails from loan companies stating that I was denied and I never applied for those loans. I also asked how they report their debt to income ratio and transunion could not give me a clear answer, my current salary is {$72000.00} a year therefore the salary information that they are reporting is incorrect.

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