BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-22
Company: TCF NATIONAL BANK
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had opened up my TCF checking and savings as not only did I have an account with them as a child, but by family has banked with them for over 30 years. Initial deposite was XXXX in both checkin nd savings. I then transfers XXXX, and prior to work I transfers another XXXX. I had direct deposite through my employer. Everything was fine. 
Superbowel weekend I took my fiance away for a relaxing " BAE '' cation. 
That following week, due to the fraudulent activity at The XXXX XXXX, I decided to leave, and stay at XXXX XXXX in XXXX Minnesota. 
I began to get alerts of a NEW device accessing my online banking.. 
I called TCF, and even message them on XXXX. Thursday I received notification of a deposite, and I assume that it was XXXX, and my expected pay check. During the next two weeks There were numerous transactions conducted that I never did. Stayed glued to my online account to watch the balance fluxuate. Each time notifying TCF. I was told not to worry, as it isn't real time ect ect and ect and was told to come in and get a new card. 
My checking account is now XXXX $ and my pay check would not be accepted via direct deposit, nor will my tax refund be permitted too. I am being told that I am to make the account good, and it is as though I am being punished because someone choose to have fun with my account. I filed the identity theft.gov, and provided all the information, as well as to the credit bureaus. 
I had a feeling as to the WHO was responsible for the unlawful transactions in my account, and yes gave that to TCF. They say that they care, but they are doing nothing to help! Everyday I reach out to them. It's not right to be takin advantage of as happened to me. I don't even know how I am going to pay rent. I couldn't even treat my fianc to XXXX. I'm not asking for much ... .I just want help. I want what was unjustly taken from me .... Nearly 2500!!! And I want to Be able to have my pay checks and tax return direct deposited as I have had set up. Please help me. I have filled out information on identity theft.gov

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: EQUIFAX, 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: Account status incorrect

Complaint:
please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles, I have been sending letters to the credit bureaus but they did not reverse the late payments up to now..Please CFPB amp up and fix the account XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
Company: LEXISNEXIS
State: NV
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:
Okay, over the past several months I have been corresponding with " LexisNexis Credit Reporting Bureau '', Trying to get them to delete a Bankruptcy charge off my report.

This company is a Third Party that sell information to other credit reporting Bureau which is against the law. I have copies of all three different Credit reporting agency Last credit reports. One XXXX Reporting Act shows a correction vs the other two.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
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 requested multiple investigations ( XX/XX/2018, XX/XX/2018, XX/XX/2018 ) into the accuracy of account : XXXX/XXXX  and after reviewing my credit reports provided by the XXXX, Equifax and XXXX, account, XXXX/XXXX XXXX is still being reported inaccurately and was never properly verified or investigated. Per XXXX  report dated XX/XX/2018, payment status reported me as current, was past due 150 days. Then on credit report dated XX/XX/2018 after requesting a proper investigation to verify accuracy of account, they report, again that I was current, was past due 150 days. Then on XX/XX/2018, XXXX reports, I am current, was past due 180 days. Which one is it? How they report that an item was verified to OUR company that the current status is being reported correctly when the payment history is NOT correct, on ( 3 ) separate months? Nor is there an account balance being reported according to Equifax. These CRA 's are in violation of 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] therefore I request deletion of this account. Please see attached proof of the data being provided by these CRA 's that are NOT accurate!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: Commonwealth Financial Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account does not belong to me at all! I co tacked the company and they advised that the account is 4 yrs old and belongs to me! Again I advised the company it does not and to remove from my report immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: AMERICAN HONDA FINANCE CORP
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I returned a lease with Honda, it specifically was an Acura, and upon return I was misinformed the next steps. Furthermore, I did not receive any correspondence about approximately {$140.00} owed to close out the lease. Acura locked out my online account and did not send information via mail, but submitting a report to the credit union. Specifically I owed {$140.00} of final payments, my auto-payment did not pick up the fee owed, but it was also reported that I owed more than {$21000.00} to the credit union. I was also told I signed documentation that I did not sign, not was able to be produced by Acura upon request. I My issue is that I was mis-informed, and never contacted before the submission to a collection agency. Furthermore, Acura has not provided any documented proof for their credit report. I paid the amount owed immediately upon notification, which unfortunately was based on seeing my credit score go down rather than being contacted by Acura.

Honda has a history of not communicating to vendors and submitting a credit issue before following the terms of notifying and collecting additional payments. I was a customer of Acura/Honda and have never missed a payment before, but this has lowered my credit score by more than 200 points due to not only the late payment submission but also the submission that I owed more than {$21000.00} instead of the $ XXXX that was owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
During the past week or so, I have been receiving letters from Synchrony Bank indicating a reduction in my credit card limit due to recent credit history : * XXXX XXXX XXXX *Sam 's Club I noticed that the said entity listed late payment history on my mortgage which is not true. XXXX XXXX XXXX has deceived me each time I phoned concerning issues on my mortgage payments and more. When I spoke to one of its reps. she informed me my payment history was current and in good standing. Once Synchrony Bank indicated that I had not made a payment to Sam 's Club when I had and in reasonable time for it to register prior to due date. During this COVID-19 pandemic, I have yet to get any clear " assistance '' from any credit source. They talk a good game while reality tells the true story of no help ; that your credit score will be reduced.

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 2017-11-11
Company: First Data Corporation
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/XXXX *went to b XXXX XXXX XXXX XXXX to purchase important items for our home. 
TeleCheck refused to honor my check for the purchase three times. 
A supervisor told me the issue was resolved and to go the next day to complete the transaction. 
XX/XX/XXXX * it was denied again approval after being told by TeleCheck four times to go back again to run the check. 
TeleCheck should be placed out of business in authorizing checks personal or commercial. 
To many complaints and is running a Bad Business! 
*XXXX XXXX XXXX should find another way to authorize checks for their clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11
Company: EQUIFAX, INC.
State: VA
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 filed a complaint against XXXX Credit Card after someone abused a POA and opened a credit card in my name. I submitted the notarized documents ( attached ) proving this was not an account I opened myself. XXXX and Equifax both stated they would not reinvestigate this matter, saying I needed to send them the very documents I have sent over on more than 3 times. I am starting to believe that they unlike XXXX are unwilling to accept the military investigation results and the notarized documents obtained during that investigation. I did not open this account and am still being held liable for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2018-11-14
Company: Experian Information Solutions 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 requested multiple investigations ( XX/XX/2018, XX/XX/2018, XX/XX/2018 ) into the accuracy of account : XXXX/XXXX and after reviewing my credit reports provided by the Experian, XXXX and XXXX, account, XXXX/XXXX XXXX is still being reported inaccurately and was never properly verified or investigated. Per Experian report dated XX/XX/2018, payment status reported me as current, was past due 150 days. Then on credit report dated XX/XX/2018 after requesting a proper investigation to verify accuracy of account, they report, again that I was current, was past due 150 days. Then on XX/XX/2018, Experian reports, I am current, was past due 180 days. Which one is it? How they report that an item was verified to OUR company that the current status is being reported correctly when the payment history is NOT correct, on ( 3 ) separate months? Nor is there an account balance being reported according to Equifax. These CRA 's are in violation of 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] therefore I request deletion of this account. Please see attached proof of the data being provided by these CRA 's that are NOT accurate!

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 2018-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 requested multiple investigations ( XX/XX/2018, XX/XX/2018, XX/XX/2018 ) into the accuracy of account : XXXX/XXXX and after reviewing my credit report provided by XXXX  on XX/XX/2018 confirmation # XXXX, and credit reports from XXXX & Transunion dated XX/XX/2018, ( creditchecktotal ) the account, XXXX XXXX  is still being reported inaccurately . How can you report that the item was verified to OUR company that the current status is being reported correctly when the payment history is NOT correct, nor is there an account balance being reported according to XXXX confirmation # XXXX. According to report dated XXXX2018, XXXX is reporting me with a " XXXX '' balance on XXXX XXXX, '' however, Transunion & XXXX are reporting me with a {$230000.00} balance. If the CRA 's have properly investigated the accuracy of this account then why are all 3 credit bureaus reporting all different payment histories, different balances if they actually verified the accuracy of the account as requested multiple times? 
The CRA 's are in violation of 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] therefore delete this 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 2017-11-12
Company: Resurgent Capital Services L.P.
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV FUNDING LLC, is attempting to collect a debt for a credit card with XXXX XXXX Bank that is not mine. This is showing on my credit report as a derogatory mark.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: CAINE & WEINER COMPANY, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CAINE WEINER is claiming that I owe them {$550.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX has a balance of {$930.00} dollars showing and I paid them off in XX/XX/2018 2018

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 2018-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
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:
Kohls Department store is reporting on my XXXX credit report incorrect information. I was never late with any payment. Ive been with Kohls since 2012 and never had a problem. It was reporting a late payment from almost 2 years ago. I immediately contacted corporate office of Kohls to discuss and rectify this incorrect information. XXXX has since corrected the problem but XXXX and XXXX have not and it is affecting my credit worthiness and credit score in a negative way. Ive disputed this numerous times and have also contacted Kohls Department store again. This should have been corrected on my reports awhile ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX was the servicer we had been using after refied after my husband died in XXXX we refinxed in XXXX bc we had a bother gentlemen helping us it was a XXXX XXXX loan or is its currently interest rate is 5.3 I am s XXXX  by trade and I quit at our local XXXX in XX/XX/XXXX losing my husband there and having one dr be In all the time wax just getting too much plus we had this other gentleman helping us out I worked for short time w w XXXX XXXX XXXX when we banked w XXXX XXXX XXXX XXXX I was under age to withdraw from my husbands ira I asked them to withdraw correct taves they did not but wouldnt accept responbiliy as a result I was hit w a XXXX back tax for XXXX and XXXX in XXXX thd othrt gentleman got w tax lawyer to get us deemed uncollectabled the lien falls off in XXXX. We here explored Bank ruptcy not an option whrb this gentleman was alive he helped a great deal he find me two families at his parish they paid in one one died a month after him we domt speak to family or community. When the other client let me know they wanted to go in a different direction my daughter called XXXX XXXX and they put us on a forebearance then it was a stretch then but we did it w a neighbor help in XXXX of XXXX we did w loan mod which right before Irma we recieved a letter stating they hat forgeton to inform us our property taxes and insurance were being raised to XXXX before my Daughert could call we found out that we were being transferred to Specialized loan serviving what a nightmwr said we were delinquent with XXXX XXXX in fact we were not, this comoagy is not good keeps taking on double paykrkts I even feel recently hud informed me that the loan had a 42 month term I know its not that long I did not trust this specialized nor did my daughter we made a oartial payments them in XXXX of XXXX but with my daughter being sick I couldnt afford to have the funds sent to that company. The dates they swear they have their forebearance is wrong it ran out in XXXX we have tried everything bc of the non currency abs tax lien Many companies have turned us down cant sell XXXX now even tried hardest hit. No foreclosure notice we would love to stay in the home into the tax lien falls off ecery time you call sls their story changes, is like to know my home is secured. We have had companies tell us they could help one was mlg not Florida another so we have explored bankruptcy not right at this point if love to be able to keep the home but refi is probably out of question.just want our home rescued from this scam completely please help us we also were targeted by synergy law didht pay then any thing

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 2020-10-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am one of the unfortunate folks to have my mortgage loan servicing assigned to Select Portfolio Servicing, XXXX, UT. Ever since my  mortgage servicing was assigned to them, I have not been receiving monthly statements in a timely fashion. For example, last month 's statement was supposedly printed on XX/XX/XXXX and mailed. The due date for payment was XX/XX/XXXX. I didn't receive the statement till XX/XX/XXXX w

ell after its due date. And this has been consistent since given the sad news that my mortgage servicing had been assigned to this joke of a company. I have contacted them both by telephone and in writing on several occasions to discuss my experience. The response I have gotten is essentially, " it sucks to be you. We aren't going to do anything about it. So the process I am forced to do, is
wait for the statement to be published on their website. It is never consistent and usually shows up several days after it was " printed. '' I have to download it, print it out, fill it out, write out an envelope, put a stamp on it and mail it in if I want it to show up ahead of the due date. The response I have gotten back is that " we aren't doing anything
wrong '' and to " check with the post office. '' This isn't an issue for the post office. All of my other bills show up on time. This is the only one that doesn't.

I have not been able to speak to anyone beyond customer service to get this straightened out. They won't let me despite asking. Their cavalier attitude when it comes to " customer service '' is beyond reproach.

All I am asking for is a timely statement. You'd think that wouldn't be  much to ask. Seems everyone else I do business with provides timely statements. Nope. Not SPS. I maintain a 825+ credit score and am  XXXX about making timely payments. It frustrates me to no end that I can't make a simple request of a mortgage servicing company like this and being treated as a second class citizen. If there was any lick of common sense exhibited by SPS, you'd think they would want to resolve it. Nope. Instead, common sense remains elusive and out of reach. 

I am frustrated and mad that I am stuck with this joke of a company when I didn't ask for it. And I am angry as XXXX I can't do anything about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation