BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-15
Company: SYNCHRONY FINANCIAL
State: NE
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I had accounts with Synchrony Bank ( CD 's and Savings ). I liquidated accounts to move to another bank with higher interest rates. Synchrony Bank made errors when they liquidated my accounts and when sending the wire to my new bank. This error caused my funds to be held for several days as Synchrony Bank tried to work out thier errors. When this was all said and done Synchrony Bank sent some funds via check and wire transfer. When I noticed I was missing some interest payment Synchrony Bank did a review. They said they found that I was missing over {$900.00} in interest payment which was close to my figures of {$1000.00}. The bank claimed that I would recieve a check for the back interest. Several weeks went by and I never recieved the check. 
I have called Synchrony Bank several time over the last few months always getting someone new and different answers. 
1. I was told I have no accounts.

2. I was told that checks for the back interest were comming.

3. I was told that the bank did research and no funds were owed to my.

My figures show they owe me back interest. The bank agreed but is no longer taking my calls for this payment serious. Can you help?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 called XXXX XXXX  to get tv service. While I was trying to set things up, I was told that there had already been an account open under my name and that it had an outstanding balance due. I explained to them how incorrect that information was, but they told me that there was nothing they can do. My identity has been compromised and I decided to get my report pulled to see what was happening. I found several unknown accounts that do not belong to me. Please get these fraudulent accounts off my report.

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 2020-05-09
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 have fraudulent accounts on my credit report, I have tried to have them removed but the credit bureaus will not help me. 

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

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 2019-07-15
Company: Convergent Resources, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Convergent has called upwards of 30 times since XX/XX/2019. They are looking for someone named XXXX. There is no one at my business address named XXXX and the phone number belongs to an account with the name XXXX. Each time I have answered I have told them there is no one here by that name and they need to stop calling while removing the number from their list. They have not. 

I filed a complaint with the FTC on XXXX XX/XX/XXXX ( FTC Report Number XXXX ). Since then they have called and been told the complaint was filed. Despite this they have called twice more, XXXX XX/XX/XXXX @ XXXX and XXXX XXXX at XXXX, and been told again not to call.

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 2020-06-25
Company: N.A.R., Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am victim of identity theft. 
this account doesn't belong to me. 
i am already in collection. 
i called the company and them told about wrong information mine, they have wrong address, wrong phone number, and wrong email, but have my social security number and my name. 
I already made a dispute in XXXX, and XXXX, and XXXX. 

the account is : Collection Agency : NORTH AMERICAN RECOVERY Original Creditor Name : XXXX XXXX Date Assignated : XXXX Original Amount Owed {$2400.00} Ammount : {$2400.00} Status : UNPAID Account Designator Code : INDIVIDUAL ACCOUNT Account Number : XXXX Creditor Classification : FINANCIAL Date of First Delinquency : 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 2018-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Regarding XXXX Transunion stated that my complaint 's proper date of resolution should be in XX/XX/XXXX, I have proof that this issue should have been resolved on XX/XX/2018. Transunion made a material misrepresentation in it's reply to this agency 's inquiry. I have now been waiting two months on the review of my claims that Transunion is reporting a usury account in violation of NYS law. I have enclosed proof that Transunion received and acknowledged my complain on XX/XX/2018, additionally ; company has acknowledged receipt on past CFPB complaints

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 2021-08-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to XXXX XXXX, and Equifax. As of today, over 45 days later, I still have not received any response from those disputes. I feel as if I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: JPMORGAN CHASE & CO.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
To whom it may concern : On XX/XX/2019 I entered the CHASE Bank at XXXX XXXX XXXX, XXXX VA, intending to deposit a sum of {$6000.00}. In the past I had always given the bank associated my cash deposit and it was counted manually, after which I was given a receipt. This time the bank associated urged me to make the deposit using an ATM machine, unlike the previous times. The clerk showed me how to deposit the money in the machine. The receipt I received from the machine credited my account with only {$3000.00}. The bank manager said there was no way to recount the money and I would have to rely on the banks accounting at the end of the day to correct the error. 

The next day my account was credited with the missing {$3000.00}, but then I received a letter on XX/XX/XXXX, nearly a month later, declaring that the bank admitted to a miscount of only {$400.00}. I have complained several times at various levels and the bank refuses to admit their mistake. 

This is outrageous. I had to deposit my money in a machine that the bank admits makes mistakes, and accept their word for correctly accounting for what they have done, whereas they will not accept my word for the amount I brought to the bank. I handle cash every day in my business, as I am a state employee of the Commonwealth of Virginia, and have been a Store Manager for  The Department of Alcoholic Beverage Control ( ABC ) for 18 years. I know how to manage and count cash. I would like the remaining {$2500.00} returned to my bank account. 

I attach my original complaint letter to the CHASE bank, and copies of two letters from the bank, one apparently admitting their mistake and the other changing their conclusion. 

I would greatly appreciate your agency helping me settle this bank matter as soon as possible. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-09
Company: Coinbase, Inc.
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I am contacting you to report a fraud perpatrated on me by the company Coinbase located in XXXX California. On XX/XX/XXXX I placed a sell order wire for XXXX Btc or {$360.00} from my Coinbase account to my credit union bank account, Coinbase transaction history notes showed that the transaction ( XXXX ) was completed on XX/XX/XXXX however the funds were never received by my bank. I contacted Coinbase via email and phone over a dozen times as well as sent them bank statments It is now XX/XX/XXXX they have never once looked into the case and have not returned my missing funds. I sent the requested documents including my bank statments to prove funds were never received to XXXX@Coinbase.com. I also contacted support XXXX in XX/XX/XXXX XXXX a manager on XX/XX/XXXX also several other managers and support members and have email corespondance as well in each case, they say that thier team will fix it but I have never received one email from the Coinbase internal team that is supposed to fix and return the money. I feel over 4 months should be a more than reasonable amount of time to correct this error and return my funds and and is also a clear violation of thier printed resolution timeframe of up to 45 days. At this point I am not sure what they are doing with missing customer funds but feel I have been mislead and misrepresented by Coinbase. 


They have a policy clearly noted on thier website that they have not followed, I have copy pasted it as follows : ( We will determine whether an error occurred within 10 business days after we hear from you and will correct any error resulting from a technical mistake, misrepresentation, or omission by Coinbase promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. 


We will tell you the results within three business days after completing our investigation. If we determine that there was an error, we will promptly correct the error. If we decide that there was no error, we will provide you with a written explanation. You may ask for copies of the documents that we used in our investigation. )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
There were several XXXX  dollars in unauthorized transactions with suspicios purchase items and phony false phone numbers.

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 2019-07-15
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Experian has been reporting false information on my credit report I have sent many letters and have called them to please verify the information on my credit report they have refused to send me proper paper work stating the accounts belong to me and as of today there has been nothing done I am once again sending Experian a letter asking to verify the accounts the keep reporting are listed below XXXX XXXX PARTIAL ACCOUNT NUMBER XXXX XXXX NUMBER XXXX 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 2022-08-08
Company: Experian Information Solutions Inc.
State: VA
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 my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX 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 2018-02-09
Company: PORTFOLIO RECOVERY ASSOCIATES 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 recently checked my credit score for the first time in many years and found an account from portfolio recovery llc.The only loan I have taken out in the past XXXX or XXXX years was an auto loan, which was satisfied in XX/XX/XXXX.I contacted portfolio recovery via certified mail and they sent me information that didn't verify anything. I looked into this collection agency and found that they are known for this type of " zombie '' collections.This has affected my interest rate on a car loan which is why I checked my credit score in the first place.In the response from Portfolio Recovery LLC they show a payment of {$170.00} on a statement : XX/XX/XXXXXX/XX/XXXX. That payment was certainly not from me and have not received any evidence from them that it was. From what I can glean from this company I am guessing they made a payment to keep the ( bogus ) account open and not be affected by any Florida statue of limitations and or in order to re-set the clock for their collection window.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: RoundPoint Mortgage Servicing LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Round Point Servicing Company has now admitted that they deliberately sent too early of a payment to my home insurance company and that it was the insurance department 's error on their behalf. This was after last years error of claiming my insurance policy number changed ( which this year they claim it never did ) and the year prior having an error of how their company was listed in the insurance side that they couldn't manage to call the insurer until I was on a 3 way call with all parties. Now Round Point has managed to over draft my escrow account by paying for the premium twice, rather then doing, as promised over the phone by representative XXXX, paying the difference between the already sent payment and the current premium. So now to fix their XXXX up they want me to come down to their office, take time out of my schedule, and pay the difference to them. Do they want me to pick up their kids from daycare while I am on the way? When a company or individual screws up, they take responsibility and fix it, they don't make the customer fix the problem over and over and over again. You are a servicing company, you provide a service, if you don't do this then there is no point in your existence. Round Point will not fix Round Point 's XXXX up not me. They will have to put for effort ( this means work ) to fix this, I will not. I am done doing your work. I will continue to file complaints until your error is fixed by you Round Point.

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 2020-09-01
Company: LEXISNEXIS
State: VA
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'm contacting you about the credit reporting agency : LexisNexis XXXX  XXXX XXXX. XXXX XXXX XXXX, GA XXXX. The agency have reported the bankruptcy on my credit report which was not validated through the bankruptcy court itself. I've received a letter that the bankruptcy court has not and does not validate bankruptcies. I've ask them for a letter to verify this bankruptcy. I was not provided with one. 
Report Date : XX/XX/2020 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal permanently limited my account and I haven't done anything against their policy and I would like this limitation to be removed as its not letting me have buyer protect from some damaged items I received and also use there service or buy items or receive or send money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Duvera Billing Services, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have previously let the company and credit reporting agencies know that this account was the result of identity theft. I submitted supporting documentation to them both. I also blocked payments from my accounts of unauthorized charges. I still keep getting the same response they havent even tried to discuss this with me. The jus keep sending collections letters to my house and put this account on my credit damaging it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: Experian Information Solutions Inc.
State: LA
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:
The credit bureaus, XXXX, XXXX and Experian wrongfully removed two  accounts from my credit profile which was paid in full and closed. This particular account ( XXXX XXXX XXXX ). 
When these accounts were removed, it also removed eight ( 8 ) years of credit history from my account which has drastically affected my credit score. These accounts were on my credit reports, I have the full reports in my possession in which I can provide if necessary. 
I did not receive any notification that these accounts were being removed which is a violation of my consumer rights.

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 2019-07-15
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: Account information incorrect

Complaint:
Because Equifax does not update the information on my credit report it has caused me to be denied credit. They have been showing accounts as owed that have been paid for months. 
I attempted to resolve with Equifax and they tell me to file a dispute. I know I am one of thousands who are having this same issue. If they can not do their job they, at a minimum, should be fined. I am weary of this happening over and over again. They must be held accountable!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
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: Information belongs to someone else

Complaint:
I have silver thing that is reporting on my credit file these items are not mine as I have tried to resolve this matter with the credit bureau I have collection agencies I should have no collection and reporting I have a apartment complex I have never lived in apartment I always lived at home with my parents I shouldnt have anything on my parade airport I would like all these items removed from my credit report and my credit file updated I have a credit card bill this on air this over {$1000.00} Ive never owned a credit card

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 2018-06-08
Company: EQUIFAX, INC.
State: LA
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:
The credit bureaus, XXXX, Equifax and XXXX wrongfully removed two accounts from my credit profile which was paid in full and closed. This particular account ( XXXX XXXX XXXX ).

When these accounts were removed, it also removed eight ( 8 ) years of credit history from my account which has drastically affected my credit score. These accounts were on my credit reports, I have the full reports in my possession in which I can provide if necessary.

I did not receive any notification that these accounts were being removed which is a violation of my consumer rights.

Company response to consumer: Closed with explanation