BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-25
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Rooms to Go closed the account many years ago and submitted it to XXXX XXXX for collection. This debt was disputed and the amount owed. XXXX continues to report it every year to keep it open on my credit report and I have never received a copy of the orginal paperwork as requested from Rooms to Go. Rooms to Go is reporting it as well as XXXX. So I have XXXX companies reporting the same debt each with different amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: Bread Financial Holdings, Inc.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Comenity Capitol Bank has a defaulted account in my name for a Forever 21 store card I never opened. I had identity theft issues during the XXXX  breach a few years back. I disputed many accounts that came up in my name but have had a lot of trouble with this particular one. Ive disputed many times and other. Credit collection companies just pick it up again

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: Experian Information Solutions Inc.
State: CA
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 unauthorized credit inquiries. I am a victim of stalking and doxxing. Please investigate and remove the inquiries. 

XXXX XX/XX/2021 XXXXXXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2016-09-29
Company: Paypal Holdings, Inc
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Complaint against PayPal Synopsis : PayPal unfairly locked my account and held my account balance for more than 180 days before I was ablet to access it. Even after providing all the information requested, the account has not be restored for full access. Account continues to be limited and useless to me. I am not even being allowed to close my account ( I do not want my credit card and bank account information to continue to be saved on their website )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: Paypal Holdings, Inc
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I sell XXXX online for payment with paypal. I follow strict customerId and XXXX procedures. I had a customer buying large amounts of XXXX from XXXX through XXXX 2015. 
We collected multiple selfie with id pictures. This customer claimed on XXXX XXXX that her identity was stolen. She made a claim to paypal that her identity was stolen and after looking at all the customer identification, and her ip address, and useragent all matched her pc and iphone, PayPal determined there was near XXXX probability that her identity had been stolen. PayPal initialy refused the claim of unauthorized transactions. 

After a week though, paypal now claims that her bank did reversalson all {$1800.00} that she spent. PayPal want me to pay this. 

I have asked PayPal for futher information to assist with filing a police report but paypal wo n't provide any. I do n't think I should have to pay paypalback if they wo n't provide further information for me to provide to law enforcement agencies. 

Paypal says that I 'm not protected because XXXX is not physical goods, but it is also not the same as music, videos, or software. If the product is stolen, I amout nearly 100 % of the cost unlike music, videos, or software that are only copies. 

Also every single sale was sold using XXXX which DOES PROVIDE TRACKING and proof that the customer recieved the merchandise. Yes, the seller should be liable under some circumstances, but I feel given the massive evidence of fraud on the customer 's part here that paypal should do something more.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-30
Company: I.C. System, Inc.
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
IC Systems Re : Dispute of Account No. XXXX XXXX XXXX To Whom it May Concern : I am writing to inform you that I have received your demand for payment, and I dispute this debt in its entirety. This debt was disputed directly to XXXX and was ignored. The basis of this charge XXXX alleges is that they claim the XXXX was returned damaged but failed to elaborate as to what damages they alluded to. Through XXXX ( which I retain copies ) I informed XXXX that the XXXX was in perfect working condition when I put it in the return packaging they required I use. I provided XXXX pictures of the phone as I packed it to assure there were no damages knowing full well XXXX would fabricate these claims to bilk more money from a dissatisfied customer. XXXX refused to provide me with proof that the XXXX was damaged. XXXX did not respond to my further requests for proof of their fictious claim. 

I dispute this claim in its entirety. If this debt is not reversed and or this debt is reported to my credit, I will retain attorney XXXX XXXX with XXXX XXXX XXXX to seek legal action seeking damages and restitution against XXXX and IC Systems. 

To validate this debt, I demand XXXX provide the XXXX in question to prove damages Thank you XXXX XXXX Cc : XXXX XXXX, CFPB, MN Attorney General, 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 2016-09-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: NM
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I was behind one month ( actually 15 days ) on my mortgage and was working to catch up that 15 days. My mortgage company SPS sent out some one twice to see if I was still living at my home ( cost XXXX a visit ) and sent letters threatening foreclosure and short sale over only being officially one month behind. This is a loan owned by XXXX XXXX XXXX. My XXXX was behind an equal amount of time but owned by a different resource and I received no such letters or threats. I see this as bullying and fee gouging.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I and XXXX XXXX  have sent numerous letters to Transunion showing that the account that they allegedly claim that I had with XXXX XXXX XXXX XXXX was been reported inaccurately. We have asked them to delete XXXX XXXX XXXX XXXX from my credit report and they have failed to do so as the information been reported on my credit report as it pertains to XXXX XXXX XXXX XXXX is inaccurate. I then exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( III ) and I requested there method of verification and they have failed to provide me with this. The law states that the credit bureau should ensure that the consumer gets a copy of the method of verification within 15 days after they got the request for it. According to the United States postal service Transunion got my request on XX/XX/2021. It has been more than 15 days and Transunion has not responded. It is illegal for a questionable item to be on my credit report and I asked the credit bureau for proof that this is reporting accurately on my credit report and they have failed, cant or wont provide this proof and this is a case of severe injustice for me. CFPB I am asking you to instruct Transunion to delete XXXX XXXX XXXX XXXX from my TRANSUNION CREDIT REPORT IMMEDIATELY. I am going to attaching with this complaint a copy of the notarized letter that I sent to Transunion and a copy of the certified receipt from the United States Postal Service.

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 2016-08-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: IA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Paid off mortgage with SPS Select Portfolio, Account number XXXX. Loan was paid and closed on property, XXXX XXXX, XXXX, IA XXXX, loan paid off as of XX/XX/2016. Escrow funds have not been returned. We have not been able to get anywhere with calling their customer service. We since then, have purchased another home, and will be moving again and just want our funds back that they owe us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 45DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20
Company: BB&T CORPORATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I fell for a scam on the Internet. I was supposed to be a collection agent for a XXXX manufacturer. They sent me a check and advised me to deposit in BB & T bank. I did. After ten days the bank assured me that the check had cleared to bank and not to worry about it. 
I transferred {$28000.00} via wire transferred to a third party. Now the bank is holding me responsible for a mistake that they made. They put a hold on my wife 's account that had {$3500.00} in it. 
I 'm XXXX years old and have no other income than social security. They had no legal right to hold me responsible or to put a hold on other family accounts. I need to have my money released. Please take care of this matter ASAP. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
my credit report lists a lien, concerning which I have no knowledge. 
I was not aware this was on my report until I recently checked updated credit reports from allXXXX agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: DISCOVER BANK
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My my wife was notified that her employer had two data breaches with in a year. She was notified XX/XX/2021. Upon reviewing credit cards XXXX  XXXX XXXX and Discover were listed on my credit report. Upon calling both credit cards companies to inquire about the credit cards on my credit report I was unable to resolve the issue. I requested the application and statements pertaining to both accounts. I did not receive either. I made a police report with the XXXX MA. Police Department report # XXXX. Both my personal checking accounts which are XXXX XXXX  and XXXX XXXX XXXX were also compromised with fraudulent activity. I closed those checking accounts after going to both banks. 
XXXX XXXX  had a fraudulent transactions. XXXX XXXX XXXX an attempt was made to purchase items. With no resolution from XXXX  XXXX XXXX and Discover I sent both companies a certified notarized letter requesting that both XXXX  XXXX XXXX and Discover verify this accounts on XX/XX/2021 neither company yet to respond to documents to validate my response with in thirty days. I will request a dispute with all three credit bureaus with a security alert in place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-20
Company: PNC Bank N.A.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan was sold earlier this year from XXXX XXXX to PNC Mortgage, ( I have also had home loans with XXXX XXXX and XXXX in the past 5 years. ) and within 3 months of purchasing my loan, PNC Mortgage gave me notice in the mail that my premium ( 30 year fixed HUD Foreclosure ) was going from $ XXXX/month to {$920.00} because my escrow account had a shortage. My escrow account has never had a shortage, and when I called PNC the manager I spoke with even admitted my payments from the previous year ( XX/XX/XXXX ) were identical to this current year- yet she still said it was their right to change my premium ( although in the last 5 years on either XXXX of my homes, the premium never changed from my purchase price ). Now I received a letter in the mail from PNC Mortgage today stating that my premium was going to increase yet again from {$920.00} to {$940.00} starting XXXX/XXXX/XXXX. They must be stopped!!! This is n't right- I do not want them to touch my mortgage ever again- I want my mortgage switched to another lender immediately. I did not choose them, and they are hurting me and my family. I downsized from a XXXX square foot home built in XX/XX/XXXX and bought this home which is XXXX sq ft built in XX/XX/XXXX so I could lower my monthly premium fro {$1100.00} to less than $ XXXX/MONTH ... which I did. Now they are going to drive my payment back up to the range I had to avoid to survive- I did nothing wrong ... I 'm a single father of XXXX yr old twins who ca n't afford this to happen to him. This is n't constitutionally right that they can do this, and I have no say so who my lender is if they are practicing like this. Please help me before they break my family!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: Alliance One, Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
Added to dispute XXXXStill not crediting payments and not itemizingCourt says Alliance one told them they any amount paid on debt. 

They say on their web apge they are a XXXX office -- -- court says limited times -- Mon -Thurs and other hours on Friday - that they take phone payments -- - but automated service does n't work.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31
Company: Alliance One, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
continued action taken to collect a debt that is not mine I have asked the company to provide proof and validation of debt under FDCPA guidelines Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 

phone calls and letters have been non stop after I sent letter to cease and desist until debt can be validated as of this time they have failed to comply

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-07
Company: PNC Bank N.A.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
XXXX XXXX Debited {$100.00} Out Of My Checking Account Without My Permission. For A Membership. A Dispute Was Filed On XXXX/XXXX/2015 And The Amount Was Credit Back To My Account. P N C Bank Is At Fault When They Put A Re : Debit Back On My Account In Which A Negative Charge Appeared On My Account. Which P N C Bank Reversed A Transaction Back To My Account. Which Was Disputed. P N C Bank And XXXX XXXX Are At Fault. And I Want The Account Closed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act XX/XX/XXXXXXXX, XX/XX/XXXX XXXX, XX/XX/XXXXXXXX, XXXX ACCT XXXX XXXX, XXXX XXXX,, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2015-09-22
Company: Blackhawk Network Holdings Inc.
State: PA
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Unauthorized transactions/trans. issues

Complaint:
PayPower has failed to provide credit. Case number XXXX states that Pay Power is waiting for proof of purchase, submitted proof of purchase along with this statement. Create a dispute on XXXX and still no resolution and it is XXXX. Pay Power card number is **************** exp date ; XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-21
Company: SYNCHRONY FINANCIAL
State: WA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Dear Sir/Madam : I 'm a XXXX Military XXXX with XXXX ( XXXX ) after XXXX years of military XXXX. As recommended by the treatment team, I bought a massage chair in XX/XX/2014 via GE Capital Retail Bank with 0 % interest. My wife, XXXX always made monthly payment on time through XXXX. We were never informed that the GE Capital Retail Bank transferred our account to Synchrony Bank with 29.9 % interest rate in XX/XX/2014. We tried to contact the Customer Service of Synchrony Bank many times ; however, it seemed that they are not willing to resolve the problem. We would like to report this issue to you in the hope that you can help protect the consumer by investigating the dishonest way Synchrony bank is dealing with their customer. If we were informed that our account were transferred to Synchrony Bank with 29.9 % interest rate in XX/XX/2014, we could make a full payment for this transaction. All payment records can be submitted to you per your request. Your consideration and support are greatly appreciated.

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 2021-08-01
Company: EQUIFAX, INC.
State: MI
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:
On XX/XX/21, a dispute was submitted regarding false information on credit report and it has taken over 30 days to complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: SYNCHRONY FINANCIAL
State: MN
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Synchrony Bank calls me at least 6 times a day, on average, attempting to collect on my past due credit card account. When I answer their calls, they disconnect without saying anything at all.

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 2021-08-01
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX phone # XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX has reported a collection notice on my Transunion Credit report in the amount of {$6000.00}. The collection has been reported as a past due am

ount. Which is not reflected on my credit history anywhere EVER. I don't know who this company is and have never done business with them. This company does not have any contract with my signature. Despite this, Transunion has done nothing to fix this false, inaccurate information being reported. They refuse to properly investigate the full accuracy of the information being reported as the law requires them to. I want this false reporting removed and Transunion held accountable for allowing this bogus creditor to put this on my credit report while doing nothing about it.

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 2021-08-01
Company: Experian Information Solutions Inc.
State: CO
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:
On XX/XX/2021 I sent a letter to Experian regarding the XXXX/XXXX requesting that the charge off reporting and all late payments be removed due to the fact that the charge off has already been reported and that there shouldn't be lates or charge off reported. Also, the account was transfered and sold to XXXX XXXX therefore this account should be removed. They have address the issue and its over 30 days. MUST BE REMOVED.

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