BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-25
Company: Experian Information Solutions 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 recently opened up a credit monitoring site and notice I have some accounts listed on my credit report which doesn't belong to me. I never applied or gave anyone access to my personal information to apply for any of these credit cards or loans. My attorney advised me to file a report to get these fraudulent accounts off my report. Below are the accounts reporting to my credit report which does not belong to me.

account name- date opened- amount CXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$150.00} XX/XX/XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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: TD BANK US HOLDING COMPANY
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX I ordered a XXXX XXXX ( Model # XXXX XXXX XXXX XXXX ) online from XXXX. On their website, you can finance with them, and they use TD Bank for this purpose. 
After waiting several weeks I contacted XXXX XXXX their online chat on XX/XX/XXXX about the status of our order as we hadn't seen any progress in the shipping. I will attach the chat with XXXX in the documents. They indicated that it was Lost/Damaged and returned to XXXX, without any contact to us. The representative on the chat could help me no further and directed me to call the Billing and Returns department. I did that the same day and was issued a refund by XXXX, as I indicated that due to this error, I no longer wished to purchase with them. I was told I would receive a full refund, and that it would take 2-3 weeks to process with TD Bank. I have the confirmation email concerning the full refund. 
On XX/XX/XXXX A collections letter/bill showed up in the mail from TD Bank for this account, with a late fee added on XX/XX/XXXX. When I called, TD Bank indicated that the refund must not have posted, and to call back in a week. On XX/XX/XXXX I received a second collections letter from TD Bank and I called again. This time the representative of TD Bank could see that a refund was there, but had not posted yet. When I asked why then would I be charged a fee and interest on an account that should have a XXXX balance, as I had a full refund, the representative didn't have an answer and said they will have someone call me to rectify it. It is now XX/XX/XXXX and I have heard from no one and can get no where near a resolution with TD Bank. 
This has been going on 8 weeks, I filed complaints against both TD Bank and XXXX  with the Better Business Bureau on XX/XX/XXXX.  XXXX has not responded to anything since XX/XX/XXXX and directed me to contact TD Bank, of which I am getting nowhere. My concern is I'm going to have a negative effect on my credit for a product I never received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-10
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
American Express is charging not only late fees but also delinquency fees right on top of the late fee. At just over 2 % of the balance, the delinquency fee can be 2 or 3x that of a late charge plus you still get charged the late fee. I was also informed that they would not guarantee that they would not charge a late fee on a balance that is only the amount of previous late fees. Essentially late fees on late fees. This account has a heavy volume of usage and American Express receives large payments at least monthly if not more often.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: ACCESS GROUP INC.
State: RI
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:
Loan with Access Group that is serviced by XXXX. All accounts are paid timely, but the companies have misapplied payments and refuse to make correction. Proof of payment has been provided by mail and email multiple times. 

Specifics : In XX/XX/XXXX, I made my scheduled payment but received notice that payment was not received. Contacted the company and gave proof of payment. Within a week started receiving phone calls that the loan amount was due. Again, gave information on payment that was made and was told via phone that it was misapplied and correction would occur. 

In XX/XX/XXXX, made payment as scheduled ( on automatic payment from bank for payment on the first of every month ) and the same thing happened. Except learned that they never corrected the error from XX/XX/XXXX. 

The problem now continues to happen every month. I have spoken with both companies. I have mailed them proof of payment. I have emailed representative copies of my bank statements and proof of payment to both companies. I have asked if there is anything I can do differently to help them. They just keep misapplying payments and incorrectly claiming payment is due. 

I still get a phone call nearly every week from the company and just received another notice of being delinquent with fees and late payment. Payments have been made timely and continue to be made timely.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Paypal Holdings, Inc
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had fraudulent charges that were acknowledged by Paypal and XXXX XXXX. In the ammounts of. 

XX/XX/2020 {$1000.00} XX/XX/2020 {$1000.00} XX/XX/2020 {$1000.00} XX/XX/2020 {$1000.00} XX/XX/2020 {$1000.00} When I originally reported the money being withdrawn from my XXXX XXXX checking account from paypal. I notified Paypal and they assured me the fraudulent charges would be reversed. The last 2 {$1000.00} charges were still pending when I made the report. These funds were reversed. It was noted by the paypal employee that I had nothing to worry about and the remaining {$3000.00} would be reimbursed even though the funds had already been fraudulently withdrawn from XXXX XXXX. Paypal continues pestering me and claiming that I was reimbursed twice and they want the {$3000.00} back. I have provided bank statements as requested and also called them 3 way with my bank to notify them that I was not reimbursed twice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-15
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4200.00}, {$440.00}, {$5800.00}, {$8200.00}, {$11000.00}, {$9600.00}, {$690.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXXXXX and the subsequent response received on XX/XX/XXXXXXXX  enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 

2. XXXX XXXX, XXXX. with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$440.00} -This is not my account. 

3. XXXX XXXX  XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- AUTO ACCOUNT 6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -This is not my account. 


-- COLLECTION ACCOUNT 7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$690.00} -This is not my 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 2018-03-13
Company: ENCORE CAPITAL GROUP INC.
State: CT
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:
On XX/XX/XXXX I sent a certified letter to XXXX XXXX requesting validation of a dent they claim I owe. XXXX XXXX did not send me verification of the debt that they were attempting to collect in their response letter. However, on XX/XX/XXXX I received an alert on my XXXX  report stating that my address has been updated to a CA address. Upon further investigation it was found that XXXX XXXX had made the update to my file. I have never lived in CA, nor do I plan to move there. If I had not caught this error, XXXX XXXX would have been able to claim that they were sending me correspondence to this address and I just didn't respond, which in turn could have resulted in my owing the debt by default I suppose. Therefore, I'm positive that their adding this address was a violation of the fair credit reporting act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to 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 explanation
Consumer complaint received 2018-07-10
Company: Experian Information Solutions Inc.
State: AL
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:
ON XX/XX/18 I SENT EXPERIAN A DISPUTE FOR ACCOUNTS CONCERNING XXXX XXXX, XXXX, XXXX XXXX AND XXXX/XXXX XXXX. ON XX/XX/18 THEY REFUSAL TO INVESTIGATE LEGITIMATE DISCREPANCIES. I HAVE BEEN DISPUTING THESE ACCOUNT WITH THEM AND THEY HAVE YET TO PROVIDE ME WITH ANY INFORMATION OR PROOF ON HOW THESE ACCOUNTS ARE VERIFIED. This is a Violation Under the Fair Credit Reporting Act 15 U.S.C. 1681g.Reinvestigation, does not mean I, the consumer prove to EXPERIAN that it's no correct and send them the information proving it to be wrong. Re-investigate means just that for Experian and if it can not be VERIFIED it must be deleted. As, prescribed by SECT. 611 ( 5 ) A. I have the dates that I sent Experian.

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 2020-08-25
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
SYNCB has placed several accounts on my 3 credit bureaus that are not mine. I am a victim of identity theft. These accounts are not mine. A hacker created these accounts form information they stole on the dark web as the result of the XXXX Data Breach

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 2021-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX SS XXXX. I had some issues with my income being effected by the COVID-19 PANDEMIC SHUTDOWN. I was under the 1 CARES Act, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C. 1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care protect the integrity of my credit file. 
XXXX XXXX # XXXX account is reporting a 30 late payment after I requested assistances due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
Company: Riverwalk Financial Corporation
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXXwas the first date I sent out a certified dispute letter requesting proof that I owe {$1600.00} the loan. They responded with a digital printout without my signature on it. XX/XX/XXXX The company responded back with a printout of a bill without my signature on it.

XX/XX/XXXX I sent another letter asking for proof that I owe this amount as well as proof I owe them.I received no response.

XX/XX/XXXX This company was shutdown by the SEC for fraud and all assets were frozen. The owner went to XXXX and a few of his workers as well. This company is not bonded in the state as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: Bread Financial Holdings, Inc.
State: FL
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:
In XXXX of this year I made a purchase on my Pay Pal credit account from the XXXX for {$180.00}. The Post Office said that the package was " delivered to an individual '' at my address on XXXX XXXX, XXXX. Anyway that was what the tracking stated online. The problem was that no one was home that day, both my husband and I were in XXXX, Florida on business and since we are the only ones that reside in our home we knew something was wrong. I first contacted the merchant on XXXX XXXX, XXXX, they said that they would put in a package search request. In the meantime I called the Post Office and notified Pay Pal that I never got the item. They did not seem to care ... Later in a  letter/email dated XXXX/XXXX/XXXX the Post Office admits that they could not locate the package. I advised Pay Pal by giving them the letter and repeatedly informed them that I never got the package. THEY REFUSED to refund my money and I need your help.
This package was never delivered to our home and to date there has been no replacement provided by the merchant.
Additionally Pay Pal had an issue with their on line bill pay and had assessed me interest charges ... I pay enough each month to avoid interest and participate in their 6 months interest free program and have complied with all the requirements of that participation.
I want all interest charges and late fees reversed and a refund of the item that I never received in the amount of {$180.00}. I will fax the letter to you from the Post Office stating that in fact they could not locate the package in question.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 all 3 bureaus several times in reference to a XXXX XXXX case on my file and they are still reporting it. It's not mine it's my sons

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 2020-08-26
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Awa collection account is inaccurate. The account is my brother account with similar name. However I signed for his bail for initial XXXX payment that's it. According to brother account was settled. I reached out to company asking for verification ... No reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
[ Case number : XXXX ] Hello, I filed with CFPB and I do not believe the CFPB handled it legally. 

I was defrauded by Capital One, they told me my payment was cancelled. They then admitted to the CFPB that they in fact did lie to me. They admitted they did not cancel the payment. 

CFPB then closed my case. Their explanation did not explain why on XX/XX/XXXX the supervisor who took my payment of {$200.00} promised me that my payment of {$200.00} on XX/XX/XXXX was cancelled. She obviously lied.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: Pan Am Collections, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Male caller identifies himself as representing PAN AM Collections. Telephone number is blocked. Argues when I indicate I can not pay bill at this time. When I attempt to advise him not to call but to contact by mail, he states, loudly, " I can not hear you when you talk at the same time '' very loudly. Attempts to get me angry as a form of abuse ( I am suffering from XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
SLS wants to sell my home without try to Assist me first they are under law suites tor having the same pattern and doing the same thing to other home owners They only want to make me hone less from the beginning they effort is just to put me out in the street

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 2021-03-25
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: Information belongs to someone else

Complaint:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: U.S. BANCORP
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have tried for months to talk to someone at US Bank to work something out regarding the mortgage loan before it goes to foreclosure. After over 10 hours on the phone with US Bank personnel I am still not able to get anyone in US Bank to take ownership of the situation. The latest indication of either not wanting to deal with it or just incompetence is they sent me to an external bankruptcy lawyer regarding a US Bank mortgage. I'm going to stop making mortgage payments and the property will go into foreclosure because US Bank is too big for their customer service department to comprehend how mortgages work.

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 2019-08-25
Company: EQUIFAX, INC.
State: GA
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 tried to dispute 5 negative and fraudulent accounts located on my XXXX credit report to no avail. They have even maliciously denied me the ability to dispute these items online and refuse to process my mail in disputes. They are continuously violating the FCRA.

Company response to consumer: Closed with explanation