BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-24
Company: SYNCHRONY FINANCIAL
State: NH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a call from a debt collector on behalf of my TJ Maxx credit card in 2016. I explained to the representative that I had just had a XXXX and was out of work, so the representative asked me to borrow money to pay for my balance. I questioned if this was a legal as I was out of work with a XXXX. Since then I havent received any bills or phone calls from TJ Maxx attempting to collect the amount owed. Its been 2 years and I recently found out they are still reporting to the credit beaureau that my account is delinquent. I contacted their collections department and questioned why they werent sending any bills to my address or calling me. They werent able to give me an explanation other than they were sending me bills which is not true. I asked them to confirm the address and phone number they had in their system and it was correct but again, they failed to bill me or call me in regards to my pending charges. They went 2 full years without billing me or attempting to settle my balance. It seems to me that any collecting agency I worked with in the past would try to collect payment or offer settlement. They did not offer any assistance and told me Id have to pay for the balance right away.

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 2023-07-15
Company: Experian Information Solutions 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:
30DAY EXPIRED XXXX complaint for lieing now that they need my Identification when I sen 8 times to XXXX XXXX XXXX XXXX GA XXXX. Thats an excuse to leave all these 50 inquiry that are not mine they are putting me in a hardship situation where I cant even buy a car to get to work I'm a XXXX because not one XXXX will even consider this is against the LAW its past the 30 DAYS stop making excuses take this 50 inquiry or more OFFFFFF

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: EQUIFAX, INC.
State: NC
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX Balance : {$130.00} ; XXXX  XXXX Balance : {$10.00} ; XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX VA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XX/XX/2022 ; XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: Bread Financial 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:
I fail on hard time with my payments and l will like for my late payment history to be removed with good faith that i will not fall behind on my on min. payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX/XXXX/XXXX {$3300.00} /was going to settle for {$1500.00} installments via money order. 

On date shown above, i called Professional Debt Mediation based in XXXX, Florida to try to make a settlement to take care of the balance and it was a XXXX XXXX  employee got fiesty with me because i told him instead of me paying via Debit/Credit Card or my bank account, that I was going to send a money order instead due to past hiccups on my bank.The gentleman started to be irate with me and saying i cant pay with a Money Order but theres a Law stating they cant regulate how I can pay.Then he proceeded to state that if I dont pay with other forms than it will be just sitting on my credit.So right before i got off the phone I asked him if call was recorded and he said it was so in the future theres evidence of the phone call.They did this to me back in XXXX but i wasnt aware of my rights then.They Also called my job in the past when i asked them multiple times not to and they kept doing it until they finally stopped

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 2020-12-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was waiting for my unemployment prepaid card in the mail in the first week of XXXX and on the XXXX of XXXX i called to get the status on my delivery of the card found out that on the 3rd a card was sent to an address that i never heard of before and my card was intercepted they turned it off and issued another one the remaining balance out ouof XXXX plus XXXX was XXXX which i had to have bank of america send the remaining funds on XX/XX/XXXX th a month after i made my first claim because the card never showed up i finally got a card they expressed to me after i liquidated the account out of fear the rest of my money would be stolen filed a new complaint with them because no refund of my money was ever issued still to this day here are the un authorize transaction on XX/XX/XXXX atm of XXXX and a store merchant transaction of XXXX XX/XX/XXXX another XXXX withdrawl from atm XX/XX/XXXX another atm XXXX XXXX XXXX at an atm i was credited my weekly un employment funds XXXX on the XXXX of XXXX than on the XXXX was the day i called bank of america to check the status on my card online purchase of XXXX there was no more transaction since than because i reported fraud added a security question after spendong hours and days on hold to make a claim they still have my money and the investigation. The only other transaction is from me when they XXXX  XXXX my remaining funds on XX/XX/XXXX this is the reason i cant collect unemployment please help me resolve this issue thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have no knowledge of the following the account XXXX/XXXX. Please investigate to ensure there is no fraudulent activity.

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 2019-01-15
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I met the terms of the promotional bonus for {$200.00}. HSBC confirmed I met the terms but then said I had a credit card so therefore I was not eligible. There was no prohibition as the limiting terms were " consumer deposit or investment account " Despite numerous attempts they refuse to pay the bonus. See section 1. of the attached document.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: EQUIFAX, INC.
State: MI
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:
Equifax has reported this wrong address on my account for years.I keep sending my Driver license Social Security card in my car registration to have this matter updated and the XXXX XXXX XXXX XXXX XXXX address removed and my address on my license added this been a on going battle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have reached out to the number on file for the account on my report. I have been unsuccessful in reaching someone that is able to assist me in getting this resolved. I have no knowledge of signing up for anything at ULTA. I'm in fear that someone has stolen my identity as I am seeing even more accounts opened in relatively the same time frame that I have no knowledge of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-19
Company: EQUIFAX, INC.
State: TX
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:
" I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravers ( Mo ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 am having some issues. After a close investigation of my credit files, I state for the record that there have been unauthorized Credit Report Inquiries made on my Account by the entity XXXX XXXX on XX/XX/2020. I've never authorized XXXX XXXX to get access to my XXXX XXXX. 
Pursuant to USC Title 15 section 1681 n Civil Liability for Willful Noncompliance the parties are responsible for noncompliance with the FCRA. It states, a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

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 2022-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 have multiple fraudulent inquiries on my credit report. I have tried calling and the ones that are on there are from XXXX XXXX XXXX on XX/XX/2022, and XXXX XXXX in XX/XX/XXXX XXXX and XXXX XXXX XXXXXXXX on XX/XX/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 2019-10-08
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Regarding complaint responses XXXX ( Beneficial/HSBC ) and XXXX ( XXXX XXXX XXXX, XXXX ( XXXX ). Beneficial responded, " As referenced in our XX/XX/2019 and prior response letters, HSBC is not seeking a judgment with respect to the outstanding loan nor did HSBC file the Assignment of Mortgage that Mr. XXXX references. Therefore, HSBC is unable to comment on the allegations that Mr. XXXX outlined in his correspondence regarding XXXX 's actions ''. If that is in case fact, then how do they explain why Beneficial is on both the Corporate Assignment of Mortgage and Allonge To The Note ( attached )? This could only mean 1 of 2 things, Beneficial continues to fabricate and is evading the truth, or XXXX has used Beneficial unknowingly/unwillingly/illegally! In addition, XXXX continues to refuse to answer my questions regarding the gross and misleading errors in the AOM which was erroneously filed ( as per my last complaint ). As fiduciary, I continue to reject any and all claims by XXXX and Beneficial ( HSBC ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: NE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have found that your company is reporting inaccurate and incomplete information. I have already communicated with you several times via mail but it seems that nothing has been done on your end. I am exercising my right as a consumer and I demand that you immediately delete and remove this information from my credit report as you are hindering me in finding a stable job to provide for the needs of my family. 

-- FOR XXXX & XXXX -- XXXX XXXX I found that Experian persists in reporting these accounts as late when it comes to payments. It is definitely an indication of inaccurate reporting. Here are the accounts I am referring to : NEBR SOC SRV XXXX NEBR SOC SRV XXXX NEBR SOC SRV 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 2023-10-11
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
We have been attempting for 4 years to get a loan modification through Carrington Mortgage Services but have been yet unsuccessful. My father passed away in XXXX and we started the process them to have him removed and myself added but they have not been able to work with us. They have continually come back and requested more paperwork ( Death Cert, Affidavidt of Death, Probate ) among other things. We can easily afford to stay in the house and resume the montly payments and even pay more if needed but in the meantime they pursued forclosure and now have a sell date of XX/XX/XXXX. I have even gone as far as filing for XXXX to protect us in hopes they would be able to work something out, but they have refused to help. We are seeking any help we can get, my attorney has even been unsuccessful in working to get a modification pushed through. I can provide a trail of docs that go back several years to show we have had every intention of keeping the home

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: Experian Information Solutions 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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2019-08-13
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:
Equifax conducted an investigation into items listed on my credit report which I disputed in the month of XX/XX/2019. The investigation was completed according to paper work on XX/XX/2019 ( see attached ). In the investigation results it shows items listed below : XXXXl - XXXX - Verified as belonging to me XXXX XXXX - XXXX - Verified as belonging to me XXXX XXXX  XXXX XXXX - Verified as belonging to me XXXX XXXX XXXX XXXX XXXX XXXX Verified as belonging to me XXXX XXXX  - XXXX - Verified as belonging to me I have contacted each one of these companies for verifiable data which neither has been able to supply to me and I've asked Equifax to complete a fair and thorough investigation into the matter and they have provided me with bogus results stating everything is verified.I then sent a Method of Verification letter on XX/XX/2019 to Equifax exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) to provide me with proof they completed a thorough investigation properly and not via XXXX system and requested them to provide me with the description of the procedure used to determine the accuracy and completeness of the information. Name, Address, and  telephone number of each person contacted regarding these alleged accounts. Finally, any documentation provided bearing my signature, showing I had a legally binding contractual obligation to pay them and exact amount claimed. As a result, I received a bogus response from Equifax today stating I had no claim on file. I have attached all documentation backing up my claim for your review CFPB.Please make sure the credit bureau obeys the laws of its consumers and not continue to destroy the credit of the innocent. I would like the items to be investigated properly and provided the proof I requested or for the items to be removed immediately from my credit report. If they fail to obey the law properly I will exercise my rights to sue and win for every violation committed under the FCRA. Please see attached files for details.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: Paypal Holdings, Inc
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have been trying to set off my PayPal account ever since they closed it and transfer to recoup everything to the principal account not the general which PayPal keeps stating about but the principal account which I am the beneficiary of when they use my social security number they know that they were using my estate funds I have been trying to address this matter for quite some time truth and Lending act Fair freedom of information act and several other consumer violations are made when assets are kept and not transferred to the principal account which I have stated to PayPal I want offset it and resend any contract that I had with them to recoup

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: GOLDMAN SACHS BANK USA
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Set up 2 external bank transfers on XX/XX/XXXX through Marcus. 

1 ) {$500.00} to XXXX XXXXXXXX XXXX XXXX ) {$5000.00} to XXXX XXXX Marcus called me on XX/XX/XXXX to confirm transactions. I confirmed the transaction. Marcus then refused to process and restricted outgoing funds ( my money ) to 2 accounts they deemed acceptable. 

This is completely inexcusable. The bank needs to honor my fund requests when directed to do so. It's my money, not theirs.

I've also lost 2 days of interest as Marcus hasn't returned the funds to my account yet.

Company response to consumer: Closed with explanation