BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-27
Company: EQUIFAX, 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:
The payment history on my credit file reported by US Department OF EDXXXX is unlawful I was not required to make any payments on my XXXX loans during the pandemic. The months that is reported negative was during the pandemic and I was not required to make any payments according to covid 19 guidelines therefore the payment history is inaccurate. Secondly The inquiries on my credit file need to be investigated and I request the written permission that allegedly was given by me to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I have not given these companies permissible purpose to view my credit file. XXXX XXXX XXXX XXXX is reporting fraudulent information on my credit file I have no binding contract with them therefore I have no obligation to pay them also reporting the fraudulent account with extortionate intent is unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan servicer had to place insurance on property for 30 days and notified me I owed {$36.00} to reimburse them for this. I sent in the {$36.00} to them on XX/XX/2020. They then sent several letters, stating that I had not paid the amount and my monthly payment was going to be increased. 
I called on XX/XX/2020, and complained, they said they showed the {$36.00} payment in the system from me, but had not applied it to my shortage. They then said they would check it and left me on hold for an excessive period of time. I had to return to my work or risk discipline from my superior at work. 
I have tried to do the right thing here and they have taken my money, not applied it, then are threatening me with action against me, due to their failure to apply the payment properly. 
They should not be allowed to service loans. Please do not close out this matter without my agreement, even if they claim it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: Specialized Loan Servicing Holdings LLC
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
SLS took ownership of my HELOC account on XX/XX/2019 and it is now XX/XX/2019 and I have NEVER received a monthly statement of my account. My bills are due on the XX/XX/XXXX of the month and not only have I not received a statement for the past 3 months, I have no ONLINE access to verify the account balance, payments, details, etc. This is a clear violation of the Fair Practice Act with regards to TIMELY monthly statements.

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 2021-05-27
Company: EQUIFAX, 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 sent letters to XXXX, Equifax and XXXX regarding having wrong addresses, Inquiries and open accounts on my credit report. I also sent my ID and Utility bill. 
XXXX. 

I heard back from XXXX  on XXXX. They said I did not send in my ID or anything else to show my address. 

I have not heard from Equifax or XXXX  about my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: EQUIFAX, INC.
State: IN
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:
The purpose of the complaint is to notify you that a case has been open with the Indiana State Attorney General office. As stated in previous correspondence my idenity was compromised and the following accounts below were opened in my name. I demand that these items be removed immediately. If not, I will pursue further legal action. I have included the case number and contact information below. 

Case # : XXXX Contact : XXXX 1. State XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-21
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A hard inquiry has been placed on my Equifax credit report which is not mine. I disputed it as fraud with Equifax online, several times, and they keep sending me back the same results, no change. I contacted the company and they said I have to go back to Equifax. 
I am tired of the run around. I never applied for anything with them. 
Here 's the company 's address : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Reported XX/XX/2018 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been a customer of Suntrust for 2.5 years. I have worked for the XXXX XXXX for 28 years. Since having my checking account with Suntrust I have always deposited my payroll check either through the ATM or via mobile banking. The funds were always available the next business day. The last two paychecks have been held for long periods of time and nothing about the check itself has been changed. It is still a payroll check and not having access to the funds resulted in additional fees and bills going unpaid. I contacted the bank several times to be told there was nothing that could be done.

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 2020-09-20
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I don't agree with the charge off since it was a gap insurance issue and when finally paid wasn't explained what I needed to do till end of the year I owed a full payment. I lost that dispute but now my credit report is showing 2 charge offs for one issue that was paid out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Midland Credit Mgt. MCM. Repeatedly instructed them to cease and desist. I am not the party they are seeking. I remind them of " do not call " status. they resume a week later multiple times day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-21
Company: Rozlin Financial Group, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Rozlin Financial Group , Inc. ( RFGI ) has been harassing me for a " debt collection '' that I never entered into with their client, XXXX XXXX. I made a direct Credit Card purchase with XXXX XXXX via their online store. I purchased with my approved credit card, and XXXX XXXX sent me my products. I thought the transaction was concluded. Almost eleven months later, I was contacted by XXXX XXXX, who indicated that through their internal process failings, they never completed the merchant services transaction. As such, they want me to pay for the products again, which sounds to me like I was expected to pay for my products twice. I refused to pay because if they had internal issues in which they neglected to complete the transaction, this was their issue, not mine. I did nothing wrong in this transaction as I considered this transaction paid in full eleven months prior. One should ask why XXXX XXXX shipped the product ( s ) when the transaction was incomplete. Plus, I could not confirm the transaction on my end as the card used was long closed. XXXX XXXX sent me to credit collections even though I never entered into a credit agreement with XXXX XXXX, and my collection was sold to Rozlin Financial Group , Inc. ( RFGI ). RFGI has been harassing me via telephone calls and threatening emails to pay for a debt that was never a debt in the first place. I have requested that RFGI only communicate in writing with me and stop harassing me otherwise. I have also requested RFGI to provide me written proof of a signed contract with me and XXXX XXXX for a line of credit for receiving their products.

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 2019-04-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
ACH transactions that I did not authorize. 

All happened on XX/XX/XXXX XXXX XXXX : XXXX XXXX I D XXXX indn. Dr XXXX XXXX XXXX XXXX ID XXXX ccd for {$110.00} XXXX XXXX-Web PMTS ID- XXXX indnXXXX XXXX   ID : XXXX web. for {$370.00} XXXX XXXX XXXX : Bill Payment ID XXXX indn : XXXX XXXX Co id : XXXX tel for {$6900.00}

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 monetary relief
Consumer complaint received 2020-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I am a victim of the XXXX  data breach and have been unable to retrieve my own credit reports ( due to fraud ) for over 3 years. I send proof of my identity and if they respond at all ( sometimes they don't ) it is to tell me I have not proved myself to them. I have complied with all of their requests regarding identification and am tired of copying documents at the library to no avail. I can't even begin to repair from the fraud damage until I see the reports and in the meanwhile my id is being used to open all kinds of accounts. I have not used the credit system in over 10 years but am unable to get a job or an apartment because of factors outside of my control, which is totally unacceptable. 
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 2018-09-16
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: Investigation took more than 30 days

Complaint:
Hi. I disputed some closed accounts that I'm no longer responsible for on XX/XX/2018 and it's still under investigation and nothing has been updated.

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 2017-05-09
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: Account status incorrect

Complaint:
XXXX   XXXX  was the original creditor the account was first delinquent in  XXXX  and they subsequently sold the account. However, after the account was sold they continued to report the sold charge off for the next 5 years. The last update was  XXXX   XXXX ,  XXXX . The account is listed as sold. They are not allowed to continue to report once they sell the 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 2020-02-12
Company: Rocket Mortgage, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a refinance on XX/XX/2019 with a very specific fact pattern including a 2nd lien which was an equity sharing agreement. The entire time throughout the informational gathering process this was known. 48 days into the process after all other information was obtained they indicated they would not subordinate an equity sharing agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my various attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$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 non-monetary relief
Consumer complaint received 2018-10-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
i did not authorize these inquiries. i have a credit freeze on my credit and i did not provide my personal information to these companies

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: American First Finance, Inc.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
This has reference to the purchase ( NOT rented ) of a sofa from XXXX XXXX XXXX in XXXX, NC. The actual cost of the sofa was {$1400.00}. 

Although I was ready to pay the full amount the sales person recommended and encouraged me to go for the financing option with their financing partner American First Finance ( which is located in XXXX, TX ). 

Account number for the purchase is XXXX. 

I was asked to provide the bank account number and routing number. Without knowing the credibility of the financing company, trusting them I shared the details. I agreed upon for a weekly payment of {$48.00} per week. 

The date of purchase was on XX/XX/2018. Sometimes in XXXX I survived a major XXXX XXXX and as a result could not track the transactions of my bank account. 

Recently I received a letter from the financing company that I owe them {$0.00}. I was taken by surprise since already I have authorized them to pull the money ( an amount of {$1400.00} for the product I purchased ) from my bank account. 

When called the customer service I was totally shocked ( from which am still trying to recover ) to  understand that they have taken an amount of {$3900.00} ( an excess of {$2500.00} ). 

All my efforts to convince them for refund of {$2500.00} was in vain. 

When it was clearly mentioned that I wanted to purchase they treated it as a rental agreement and I was trapped. 

Since the day of purchase so far never I received any courtesy reminder letters nor phone calls nor any type of communication ( except for the {$0.00} ) which clearly indicates their intention. 

Please find some of the documents I have attached regarding this business. 

After this experience when I went through the reviews about the financing company only to note that many like me suffered as well. 

Best Regards XXXX XXXX ( XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I purchased something through a seller on XXXX XXXX but the whole transaction was made via paypal. I paid {$100.00} on a product using paypal, not knowing that the seller was a scammer and did not send me the product hence he got my money and his phone is no longer active. He stopped replying to me and just took my money. I appeal this claim through paypal asking them to help me out because i got scammed, but they said they are not able to do it for me. XXXX XXXX XXXXXXXX also said that it should be paypal who needs to fix my problem not them. Please help me out as i dont want these scammers to find another victim while Paypal was just denying to help me as well as hundreds of their consumer who got scammed through their platform. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-02
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My credit score dropped XXXX points because there was an account opened on XX/XX/2023 under my name and under XXXX XXXX XXXX. This is completely false. I never opened any account, nor did I ever receive any supposed bill I owed in the mail or electronically whatsoever. The company that is trying to collect this XXXX XXXX  debt from me is known as SEQUIUM ASSET SOLUTIONS. They are known as a fraudulent and scammy company. I believe I am a victim of fraud and identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
So my Chase Checking account went into a negative balance due to some claims that i filed even though Chase reimbursed my money.The reason my account went negative was because Chase took the money from my account after putting the money back in my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: Experian Information Solutions Inc.
State: LA
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 had submitted an police investigation to the bureaus for my credit report because of identity theft on my credit report and has not heard anything as of yet.i have attached documents from the police department doing my investigating

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 2021-11-04
Company: Kriya Capital, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received an alert that a collection account was added to my credit report! Ive never done business with nor have I ever been contacted by this company about this debt!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-21
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Good day : After waiting 3 months of unemployment payment. I was finally deposited. On XXXX XXXX. On the same day I made a couple of payments and Transfer some money to my wife 's account. 
Minutes later my account was frozen. When I call customer service for help. 
They told me that there's suspicious activity. They ask me for my personal information regarding the bank account. 
After that they told me that my account was close. They didn't explain why? and that they were going to send me a check for the entire balance in about 10 days. 
After 2 weeks of waiting for a check. I call back and told me the same thing. 
" To wait another 10 days ''. 
It was 2 months when they finally ask me for my proof of unemployment. 
I went to a branch and gave them the Paperwork. They image the paperwork and save it. A very kind lady help me and told me in 5 or 7  days my account will be re-established. If not to call back the online support. 
Since then every week all I hear Its keep waiting. 
Now It's the 3rd Month. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have been sending dispute letters for 4 months now and requesting verifiable proof in regards to 2 accounts under XXXX. XXXX/Equifax/XXXX  are reporting inaccurate information and they must delete the items in questions. Failure to investigate and remove the inaccurate account is causing great stress to me and my family. I read somewhere that it only takes 20 or 30 days to investigate this matter. More than 40 days have passed and nothing from this company.

Company response to consumer: Closed with explanation