BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-05
Company: TCF NATIONAL BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
TCF bank has refused to process or honor dispute requests. I have had several hundreds of dollars loss in a game through XXXX play that loss all my game investment data so I was left with a dispute request after XXXX and the developers failed to resolve the matter. TCF told me they would not dispute the matter because I used my debit card for purchases in which I did not receive and that I would have to handle the dispute directly with the merchant. TCF has also denied a dispute claim from XXXX XXXX in which I was not informed of all the fees associated with joining. The gym failed to honor the 30 day cancellation period I was quoted by on site management and the fees were continuously charged even after trying to cancel with the gym. TCF charged me so hundreds of dollars in fees for insufficient funds and stop payment fees. When I first opened my account I was with a representative that seemed new to the branch because she had to keep asking her manager about how to open my account and so forth. The bank rep was supposed to open my account so that if I did not have funds in the account to cover a transaction they would be reversed and cancelled or not able to go through. This was not the case the overdraft and stop payment fees were never explained to me or honored as when the account was opened and even going into conversations with customer service. I would also like to add that the account originally was mistakenly overdrawn for appx 250 dollars which I had no problem putting back in with some sort of arrangement but now having I believe two to three hundred dollars worth of bank fees is ridiculous. The corporate office has refused to address or respond to letters and phone calls. The bank has failed to honor my dispute right with my accounts also once claiming it was denied because I had tried to continue to resolve the matter after filing my dispute in which the case was that TCF did not initiate or resolve the matter. The dialogues was started prior to the dispute and continued on as the developers of that game ran me around for months trying to resolve the matter. The disputes that have gone unresolved as well as the hundreds of dollars of fees is why I am filing this complaint. I have consulted with counsel and if the bank still does not pose any interests in resolving this matter I will proceed accordingly. This is unlawful and unethical financial actions and behaviors that have caused me undue stress and financial burden ongoing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Dear Bureau : About 1 year and 4 months ago, I decided to refinance my car with OneMain financial. At that time the staff of One Main proceeded to explain the details of the loan, it was quick and a lot of information to assimilate at the same time. Anyways, I applied and I was approved, the details are broken down in the attached document. My previous loan with XXXX XXXX was XXXX that they proceeded to pay and on that amount they also financed an amount of XXXX, for a total of XXXX ( OneMain loan plus the daily interest payment on this principal amount ) Since XX/XX/XXXX I have been paying around XXXX dollars per month every month, many times with a lot of sacrifice as you will see attached the bank 's emails of " insufficient funds ''. This loan with ONEMAIN has cost me my emotional tranquility, this debt is unsustainable, by itself and also because my emotional and financial situation is in detriment. I asked for help, OneMain offered me a loan deferment for 2 months ( document attached ) which actually ended up making things worse because the process was not explained clearly to me ) and it ended up adding late fees. In the last months I have suffered several difficult situations, among them my mother 's illness in the middle of XXXX until her passing in XX/XX/XXXX ( I had to be responsible for medication and funeral costs ), I have also been forced to sign with a XXXX XXXX XXXX to pay my credit cards to the limit since it has spiraled out of control, my health It is deteriorating and I have had more than 10 visits to the doctor in the last two or three months ( XXXX, XXXX, XXXX problems, among other ), on top of all other expenses and daily situations that occur in life. I appeal to One Main through you, to request help in these difficult times emotionally and financially, for a restructuring of this loan, interest reduction, or any help that can decompress my situation in these difficult moments. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-05
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:
Reach out to Experian Credit Bureau to Verify 3 accounts that is on my credit report and provide me with a copy of the original creditors documentation on file that this information is mine and is correct per FCRA. They have not provide these documentation to me, they also sent me a letter stating the information has been provided by the creditor but I never received the documentation I requested per the FCRA, so these three accounts are still consider unverified and is hindering me and my family from purchasing a home. I attached two certified notification when I sent Experian, also the 3rd letter in the exact words they received the first two letters along with a copy of my state license.

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 2017-12-19
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was a victim of Identity Theft this summer. I thought it was over in XX/XX/XXXX when the person went to jail and pled guilty. I had fraud alerts placed on my credit report and followed all recommended steps. However, Ive had 4 new inquiries go through onto my credit report since Then. I DO NOT understand the point of having companies to protect us after going through XXXX from the first Identity thief, just for the companies to not do their job and allow another thief to mess up my credit. Not just once, but four times!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-28
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I would like to ask you to check these accounts as information reported is incorrect. These is not a right way to report my accounts. Please make investigation and put control on bureaus that having error in reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been receiving notices from two debt collectors, XXXX XXXX XX/XX/XXXX ) and then Portfolio Recovery ( XX/XX/XXXX ), about an amount of {$340.00} which I supposedly owe to XXXX for purchases made in XXXX at XXXX, on XXXX XXXX MasterCard XXXX. I do not own that card and I have a different account number with XXXX. I even received a notice from something called XXXX XXXX saying that this account was sold to Portfolio Recovery on XX/XX/XXXX. 
I keep records of all my payments and I know that I have paid off my debts in a timely fashion. I owe nothing, this is the XXXX Statement record ; Statement date XX/XX/XXXX : total billed XXXX ; I paid XXXX on XX/XX/XXXX Statement date XX/XX/XXXX : total billed XXXX ; I paid XXXX on XX/XX/XXXX Statement date XX/XX/XXXX : total billed XXXX : I paid XXXX on XX/XX/XXXX Statement date XX/XX/XXXX : total billed XXXX : I paid XXXX on XX/XX/XXXX Statement date XX/XX/XXXX : total billed XXXX ; I paid XXXX on XX/XX/XXXX This must be a scam.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-19
Company: PLANET HOME LENDING, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I purchased my home XX/XX/XXXX from XXXX XXXX XXXX, and its been conveyed over to various companies. The current company XXXX XXXX is using a fraudulent assignment to claim standing to be able to foreclosure on my property. 
Planet home refused the restructure my loan to a fair market value. I completed dispute the amount XXXX XXXX XXXX is stating I owe.I revoke the POWER OF ATTORNEY XXXX XXXX is using to foreclosure on my property in XXXX Co Real Estate Division of Superior Court XX/XX/XXXX BOOK XXXX Page 64. I do not give XXXX XXXX Power of Atty to foreclose on my house. I gave XXXX XXXX XXXX rights in XX/XX/XXXX and the are no longer doing business in Georgia. I did n't authorize the transfer of the Power of Atty. I Dispute the debt Planet Home is claiming I owe to them I have no contract with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: U.S. BANCORP
State: CA
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:
In early XXXX, I received my monthly statement from XXXX XXXX XXXX with a charge called " XXXX XXXX '' for {$100.00}. I was unfamiliar with the charge. When I contacted the credit union to further inquire, they said that they were unable to identify the vendor and had no phone number. They did have a vendor number, which they XXXX. They said that this vendor number is associated with numerous online complaints of fraud, and recommended that I deny the charge. I agreed and they denied the charge for me. 

On XX/XX/XXXX, I received two letters regarding my XXXX XXXX XXXX XXXX from an organization with the letterhead, " XXXX XXXX ''. The letter had no other identifying information about the name of the business. It said that my automatic payments on my XXXX XXXX XXXX XXXX were being cancelled and that the " payment account relationship '' was being removed from my credit card due to this charge of {$100.00} not being authorized by me. I called the number on the letter and was informed that I needed to pay a {$25.00} late fee and that my account was in suspension. Part of the reason I didn't recognize the charge for {$100.00} was that there was a bill of {$120.00}, but there was a positive balance on my card for about a year for the difference, and so the actual charge was less than the total amount of {$120.00}. 

My questions are of a general nature. Why wasn't the credit card company required to write me a check for the small balance after many months with a positive balance on the books? More importantly, why is a credit card company allowed to submit an ACH with no further identifying information than " XXXX XXXX '' and no phone number or address? Why does the letter itself not identify the company? This behavior either requires consumers to accept at face value any charge, or pay a penalty for trying to figure out whether fraud has taken place. I recommend that CFPA require better identification on all ACH transfers, including a phone number. 

I found out on the call that XXXX XXXX is actually Elan Financial Services, a subsidiary of XXXX Bank that services many banks including Fidelity. Fidelity was unable to advocate for me, although they contract with XXXX to manage their card. The person from XXXX who answered the phone said she was a supervisor and was unable to remove the fee or change the way the charge appears on bank statements. When I asked to speak to her supervisor about the latter issue, she said she does not have a supervisor, and that the only person above her is the CEO, who only has an email relationship with her. I am concerned that organizations such of this have inadequate accountability and lack grievance procedures.

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 2022-12-19
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent bankruptcy in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of item which does not belong to me or was opened without my permission. 

XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2021 Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2021 Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2021 Reference # : XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
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: Account status incorrect

Complaint:
XXXX of XXXXXXXX XXXX XXXX XXXX ( XXXX ) mortgage went into COVID Forbearance XXXX of XXXX-I applied for a refinance with XXXX since the rates were low. 

XXXX of XXXX denied my refinance application because the loan was in forbearance despite the fact that the loan was in forbearance when I started the refinance process. So I resumed paying my monthly mortgage payments and have been making monthly payments consistently since XXXX of XXXX 

XXXX of XXXX reported my loan as delinquent/overdue by 120+ days to Equifax and XXXX  despite the fact that I have never, ever paid my mortgage late. 

XXXX of XXXX-I contacted XXXX to ask them to remove this inaccurate information from my XXXX  and Equifax credit reports. 

XX/XX/XXXX, XXXX-the information is still listed as delinquent/overdue on both Equifax and XXXX  credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2021, PayPal permanently limited the account of a household member. To my surprise, I just logged in to my account today and found that they have permanently limited my account too due to " Potential Risk ''. This's retaliatory action, being a member from the same household doesn't give you the right to shut down my account too. Please indicate what activity did you determine as " Potential Risk ''? My PayPal account history and activities are flawless, with no fraudulent or chargeback transactions ever. I had my account for so many years without any issues. Is it legal to shut down my account because of another household member being unfairly shut down? Please don't reply with nonsense Terms & Conditions. The last activity in my account was on XX/XX/2021, you didn't shut down my account UNTIL you shut down the other member 's account as a retaliatory action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
These accounts belong do not belong to me and are on all three credit bureaus XXXX XXXX XXXX # XXXX {$3100.00} XXXX XXXX XXXX # XXXX {$130.00} XXXX # XXXX {$900.00} XXXX/XXXX # XXXX {$0.00} XXXX/XXXX # XXXX {$0.00} XXXX XXXX # XXXX {$0.00}

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 2020-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XXXX XXXX is attempting to collection on a debt I do know owe. This debt is past the statute in Maryland and really old that it shouldn't be reporting on my credit. It's 8 yrs old.

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 2020-09-02
Company: Essential Retrieval Group
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
On XX/XX/2020, I began to receive calls and voicemails from " XXXX XXXX '' representing " ERG '' and " XXXX XXXX '' that I was being served for a debt and needed to be home and present two forms of ID to " receive important paperwork. '' No one ever came to my home to present me with paperwork. During one of the phone calls, I asked for an address and fax number so I can verify information on XXXX and their representative would not provide me with this information. they wouldn't provide me with information. I called persistently to receive this information and demanded that they validate the debt they were attempting to collect until they blocked my number. Then, I began to receive derogatory phone calls and voicemails from XXXX XXXX XXXX XXXX XXXX, stating that I was " a failure '' for not satisfying the debt and other callous statements.

Company response to consumer: Untimely response
Consumer complaint received 2020-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 submitted several factual disputes regarding an account that is appearing on my credit report, and have not receiving documentation that was requested showing a contract between myself and XXXX XXXX XXXX  from neither XXXX or TransUnion. This account has been deleted off my XXXX Credit Report and I believe that both XXXX   and TransUnion should remove it as well because I have not received documentation that was requested showing that there was a contract.

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 2019-06-10
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since I filed a complaint with your organization about two weeks ago on XXXX I got a call from Bayview XXXX and told them that since I had an open complaint that I would not talk with them at this time. The woman told me that she was taking my number out of the system for no more phone calls I have this call on tape. On Saturday XXXX my call id box shows a call from bayview and then today Monday the XXXX at XXXX XXXX I got another call and no one removed the number or had no record. More fraud that is going on here. Call the media

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: Sequium Asset Solutions, LLC
State: WA
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:
My identity was stolen in mid-XX/XX/XXXX. Since then multiple fraudulent accounts have been opened around the country using my name ( most of the accounts were with cable companies ). I have put a freeze on my credit report and have successfully challenged all of those fraudulent items on my credit report except this one that I am submitting this complaint about. 

In XX/XX/XXXX, Sequium Asset Solution put a negative item on my credit report for a claim of {$1700.00}. When I became aware of this around XXXX, I contacted Sequium to ask what this was about. They told me that they could not tell me and that I had to contact XXXX. I did speak with XXXX about this and other fraudulent negative items on my report. XXXX was not sure what Sequium 's claim was for but XXXX  did give me very helpful instructions on the process for submitting paperwork to them to challenge all of the claims. After following those instructions, every negative item on my report was removed except the one posted by Sequium. 

In XXXX I called Sequium to ask again what this claim was about and to find out how I can challenge it with them. They initially told me that they couldn't tell me what is was about, when I informed them that I would report them to the CFPB, the person then said she would transfer me to a supervisor who could help me. After waiting on hold for 30 minutes without speaking to anyone I hung up and instead used their online form to submit my questions. I submitted my question approximately 3 weeks ago and I have not received any response. I still do not know what this claim is for and Sequium refused to remove the negative item even after I submitted proof of my actual identity to XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: EQUIFAX, 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:
on XX/XX/2020 i sent out a dispute letters about incorrect persoanl info on my credit report and on XX/XX/2020 a 60 day no response letter with no prevail of a response. I also sent dipute letters on XX/XX/2020 about some accounts that are not mine and need to be validated. and they have not responded for that either

Company response to consumer: Closed with explanation