BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-13
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
victim of ID theft and equifax and XXXX  will not let me look at my credit online

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: SYNCHRONY FINANCIAL
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Beginning XX/XX/2021 Synchrony Bank is now billing me monthly for unspecified " Fees '' after I paid my bill in full for XXXX XXXXXXXX XXXX purchases. I have been unable to reach them by phone, email, or USPS mail. The amount is XXXX, increasing monthly with each bill. They are now threatening my credit rating. The card was issued by XXXX XXXX XXXX for purchases which have been paid in full XX/XX/2021, as stated.

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 2017-02-19
Company: Santander Consumer USA Holdings Inc.
State: LA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have been paying a car loan since 2011 paid XXXX for the car and still owe XXXX. They have repoed the car twice and charged astronomical fees to the loan that I actually paid up front to get the car back! When they repoed it the last time it was for XXXX pmts! They were not willing to work with me at all only wanted XXXX pmts plus fees up front. I can not understand how I still owe this much after paying all these years

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
HSBC bank has not credited our account for {$750.00} per their offer which is long overdue now. We opened our premier account with HSBC Bank with {$100000.00} and had Direct deposit of more than XXXX SS checks in our account as required by the HSBC Bank to qualify for a credit of {$750.00}. They are giving us run around and wasting our time and efforts without any action. They keep on avoiding to honor their commitment for which we have documentation. Please help us out, collect {$750.00} as per original agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-02
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
ON OR ABOUT XX/XX/2014 TRANSWORLD PLACED A INVALIDATED DEBT INQUIRY, ON XXXX/XXXX/2014 SENT THEM VALIDATION REQUEST CEAST AND DESIST ORDER IN VIOLATION OF TCPA, FDCPA, FCRA ETC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX {$1200.00} Closed 8 charge-offs Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms Balance on XX/XX/XXXX Credit Limit {$1200.00} {$1000.00} XXXX XXXX XXXX XXXX XXXX {$25000.00} Closed 6 charge-offs Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms Balance on XX/XX/XXXX Credit Limit {$25000.00} {$25000.00} inquires : XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXX Credit Bureaus Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Your XXXX credit file is unlocked Lock your XXXX  Credit File to prevent identity theft. 
Unlocked

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 2016-02-19
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card
Issue: Advertising and marketing

Complaint:
The American Express Blue Cash Everyday Card offering brochure claims " Cash Back '' multiple times ( 5 times ) in its description of the incentives ; however, the " fine print '' states that " cash back '' is provided " in the form of Blue Cash Reward Dollars ( reward dollars ) ''. This is clearly false advertising and misrepresentation of the term " cash back '' employed throughout the descriptive attachments provided by American Express in its Blue Cash Everyday Card application package. American Express should be required to withdraw all related documents to the Blue Cash Everyday card, revise all documentation to eliminate all references to " cash back '' ( since they NEVER intend to provide the customer with cash ) and be subject to a penalty for the false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I 'm writing because the a man today his name was XXXX XXXX the other days he 's had different names and he calls from a variety of different numbers from different states within the United States he claims that he 's with Midland funding and I manage my account with Midland funding over the Internet he is also claimed to have access to my credit card information and is increasingly and increasingly attempting to make each call more personal and has even reference my location and what I 'm doing for the day

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-14
Company: Bliksum, LLC
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Loan Me continues to harass me via phone before XXXX almost on a daily basis. They call from various phone numbers and they have also started contacting my ex husband for information. I never allowed them to contact him or even contact me at my job. They call from XXXX and XXXX usually before XXXX. They continue to harass me almost XXXX times in a day. I have tried to communicate with them via email and phone, trying to work out other payment options and they will not help me. They also served paperwork to my job regarding a potential judgement againest me and it was not sent in a privacy envelope, I was given the information in a interoffice envelope that someone in HR saw all my info regarding the judgement. I could be fired for this. And they have also called my employer several times even though I asked them to cease and assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: EQUIFAX, INC.
State: AR
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:
On all three credit bureaus, there is a XXXX XXXX account that is showing opened XXXX and closed XXXX. I have the last 4 of the account from my credit bureaus. Yet, XXXX  XXXX shows NO account at all with the number I have, under my name or SSN. XXXX XXXX says the Credit Bureau should remove it - The Credit Bureau says it is XXXX XXXX who should. I've filed disputes in XXXX and XX/XX/XXXX- they do not respond to the issue, and only say the " account status is closed ''. I do not ask for a status- I ask for the account to be removed from my credit bureaus because my SSN isn't on the account! An hour plus on the phone and several phone investigations on XXXX, XXXX XXXX confirms the account isn't attached to me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
An account was open in my name by the bank fraudulently and i attempted to investage the problewms 2 years ago when it was first opened and i was not notified of what was going on with the account. Since they have told me the account was properly closed and was no penalties against my name however i viewed my reporr and there is still a closed account with 3 missed payments on a fraud XXXX account with the bank providers. They are in violation of my fcra and i have not got anything in the mail ever in the 2 uears i been fighting them off my name.

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 2021-03-13
Company: Comerica
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
XX/XX/31, I called Direct Express ( COMERICA BANK ), spoke with two men, and the same day and following day I could no longer get access to my money. Everytime I've called the same number since then, XXXX XXXX XXXX XXXX the customer service person has told me lies, arrogantly refusing to answer questions regarding what happened, and giving me different mandates, such as going into a " local office, '' as the " only way, '' I can use my card. I told them often that they were keeping my money hostage, and they were consistly indifferent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
The goverment has closed my account in wrongful standing and are in violation of my fair credit reporting act. I will seek max penalties if possible due to this. I am currently trying to move but have a history of paying 120 days past due to my ONLY closed Student loan wich is entirely falsified documentation of me and my payment history reported to all 3 reporting agencies. I have always contacted them to be in good compliance with the loan before the wrongfully just took my taxes without notifing me in mail that they were not aware of me being in compliance. Please remove the negative remark of being late on payments or place unknown on 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 2020-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1800.00}, {$560.00}, {$550.00}, {$900.00}, {$1100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 


2. XXXX XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$560.00} -This is not my account. 


-- COLLECTION ACCOUNTS -- 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$550.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$900.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my 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 2021-03-13
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: Problem with personal statement of dispute

Complaint:
RE : EQUIFAX RESPONSE OF CLAIM XXXX EQUIFAX RESPONSE : The identification information you provided does not match our records. In order to properly assist you, we will need additional information in order to verify your identification and current address. Please provide a legible photocopy of a valid document that shows your name, current address and complete social security number. Listed below are examples of documents that may be provided as verification of your identification and current address : Pay stub or W2 with complete U.S. social security number, valid social security card, Driver 's license, rental/lease agreement/house deed, mortgage or bank statement, utility bill for gas, cable or residential telephone bill. Please return this letter along with the requested information to Equifax XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX. 

ORIGINAL COMPLAINT XXXX : XXXX  and Transunion refuse to remove these fraudulent, inaccurate, and unauthorized inquires from my credit report. I have never submitted an application for credit and these two bureaus refuse to remove the inquiries these inquiries are ruining my credit health. I have submitted several 609 letters requesting this inaccurate information be removed. In addition to the correction of my personal information being reported inaccurately on these two bureaus respective reports. It is my goal to have these unauthorized, inaccurate and fraudulent inquiries and information removed from my credit report under the articles of the FCRA.

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 2022-03-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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 status incorrect

Complaint:
Capital One Bank keeps changing remarks on my credit report to charge/off to closed to late payment and its dropped my scores over XXXX points because of these inaccurate remarks. The creditor agreed to a pay for delete on the referenced accounts that I paid. I dont want to file a law suit for this but I will forced to if they do not delete these accounts and all related remarks on all three credit bureaus. Accounts- XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: Debt Recovery Solutions, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
Debt Recovery Solutions which is a collection agency for Loan by Phone has placed a collection of {$210.00} on my credit report for a so called loan by phone back in XX/XX/XXXX. This company came out of no where with this loan. When I spoke to them they said it was in XX/XX/XXXX or XXXX. XXXX!! I never had a loan from these people nor did I receive anything. I have a my bank statements for years now that shows where any loan monies I receive or received been deposited and that amount and company is no where on there. I'm XXXX because I have disputed with XXXX XXXX an nothing was done it is not accurate. I have no unpaid loans from this company. I may have applied but never went through it. I have statements to prove it. Its destroying my credit score and these people need to stop. Funny thing is my kids father received a call from same people saying he had a loan by phone and a balance he never touched a loan in his life. Please help I don't want to be robbed for monies I never received. They can't even provide documentation and/or receipts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: Shellpoint Partners, LLC
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I received letter from Shellpoint mortgage on XXXX/XXXX/2021 about my mortgage loan account number XXXX that they resume reporting my discharged loan starting from XXXX XXXX2021 its against the law to report my discharged loan through chapter XXXX bankruptcy since these is not there first time that they attempted to collect a debt or intimidate a borrower I would like to be compensated for moral damages.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: Finance of America Holdings LLC
State: IN
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Finance of America sent a certified letter of the Estate of my Mother. XXXX XXXX XXXX. I am unable to obtain the letter because it requires a POA which I do not have and can not get because my mother is dead. I need the letter sent to me uncertified so I can respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: Servis One, Inc., Titusville, PA Branch
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Please see attached again. My funds have still not been applied correctly and I went thru the fees. Also as their attorney said BSI apologizes for claiming a request was a QWR when it was an appeal does not make it ok. I want my fees applied correctly as requested and the statement does not even show the extra XXXX claimed to not be applied. I would never know what was not applied without constantly having to question everything. It should have been XXXX not XXXX extra. I am so tired of this run around. I want my funds applied as directed plain and simple. If BSI bought this loan it is their responsibility not mine to prove fees. In regards to XXXX maybe they should realize XXXX never responded to any QWR I sent them. Never mailed me statements or anything. I found out they bought from XXXX months later and I contacted them asking for info. They never sent me a statement or fees or anything. The only thing they ever said is that they are working on XXXX modification that was sent. Never a fee, Never a response to QWR NOTHIONG!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03
Company: BlueChip Financial
State: IL
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
SPOTLOAN HIRED XXXX TO CALL US AT WORK, CELL, FAMILY MEMBERS, ( ATTACHED FIND LIST OF PHONES CALLED ), IN VIOLATION OF TDCPA, TCPA.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: Early Warning Services, LLC
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Someone created an email account in my husbands name, and created a zelle account. We found out from our bank XXXX XXXX XXXX fraud department the email address is XXXX. We did not create the email and the person who created the email address transferred money two separate transactions within approximately 1 hour between in the amounts of {$500.00} and then {$490.00} from our account to a person by the name of XXXX XXXX who we do not know. I need this zelle account deleted immediately please. I have had no luck for the past 3 days getting in touch with anyone from zelle. Until Thursday we had no idea what zelle was. Could you please let me know what the next step may be. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-19
Company: DISCOVER BANK
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
discover student loan : Interest rate .0945 % XXXX XXXX starting balance : XXXX @ that rate the whole year the interest would be $ XXXX.However, the interest charged was XXXX Qualified Student Loan Interest Paid Amount Year Interest Paid XXXX {$8000.00} So the interest if paid on the {$82000.00} was paid every month it " only " comes to {$7800.00} with the balance dropping about {$8000.00} during XXXX how is this possible? 
XXXX XXXX statement balance {$74000.00} XXXX XXXX statement balance {$74000.00} Never late never any fees This loan was sold by XXXX a to Discover and the Starting amount between the XXXX is also suspect.

Company response to consumer: Closed with explanation