BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-09
Company: SYNCHRONY FINANCIAL
State: AZ
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:
on XX/XX/2022 I visited Sams Club on XXXX XXXX in XXXX Arizona, I used the self check out around XXXXXXXX XXXX. I lifted the hand scanner and scanned my membership card. A Sams Club female XXXX middle aged woman approached me. The Sams Club employee pointed at the self check screen and said : " Wow, look. You have been pre- APPROVED for a Sams Card! '' I said, excuse me? She said you see that- she pointed to the screen again, she said : " I don't see that too often. You are pre approved and can get up to 30 % off todays purchase! '' I mentioned I did not want anything like an inquiry on my credit report ( I am rebuilding my credit ) The Sams Club employee told me : " Oh no, this is already done. She started to push locations on the screen and told me Go ahead and fill this in so we can get it finalized. This is the part I look away for privacy '' She turned her head and put her hand above her eyes. I was excited, I finally did it, I am getting a card- I thought. once I hit the submit button, it states " Sams Club will be sending you a letter in the mail within 7- 10 business days '' the employee said, " Ahhhh, yeah, it does that sometimes! '' and started to walk away. I said, I didn't want to apply and have an inquiry- but she kept walking. I stood looking in disbelief. Sure enough, I receive a declined letter for credit with Sams Club and another from Synchrony Bank. My credit score decreased 23 points for the inquiry!!! I did email a message the way Sams Club asks you to on their website, only a minimum amount of letters allowed to type. I have uploaded their response which they state this has been resolved and for me to contact Synchrony Bank. I have responded Their EMPLOYEE lied to me, and misguided me, they can check their surveillance camera for that day!! I asked if they offer incentives to employees for having customers apply for credit??? Because if so, I am sure this employee has tricked others just to benefit herself. The EMPLOYEE needs to be reprimanded and I would like an apology letter so I can dispute the inquiry on my credit reports.

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 2020-06-22
Company: EQUIFAX, INC.
State: NV
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:
My identity has been compromised years ago from the lost of my purse along with my identification. And from that I'm now dealing with the issue at hand the misrepresentation of my credit files. The following accounts does not belong to me, therefore I'm demanding that they be removed and blocked from my credit files. 

1. XXXX XXXX  XXXX {$2300.00} 2. XXXX {$190.00} 3. XXXX XXXX XXXX {$100.00} 4. XXXX XXXX {$1000.00} 5. XXXX XXXX XXXX {$13000.00} 6. XXXX XXXX XXXX {$59.00} 7. XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX XXXX  11. XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Capital Credit and Collection Service, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint is against : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX Sequence of events : XX/XX/2022 - I was received via USPS an initial debt collection notice, for the amount of {$150.00}, plus additional interest of {$10.00}. 

XX/XX/2022 - I did not recognize this debt, so I called them on the phone to verbally contest the debt. I was told the debt was for a " pharmacy overpayment '' by my health plan, " XXXX XXXX XXXX ''. My health plan apparently made an error in how much the pharmacy received for a filled prescription. 

XX/XX/2022 - I called again to ask more information. I asked for their CA debt collector license number, and then they immediately put me on hold indefinitely. They then simply would not answer any call from my caller ID. 

Relevant facts : - There was never any debt contract or instrument signed. As such, no interest or fees have been expressly defined. The addition of interest by the company violates both the FDCPA and the CA XXXX FDCPA. 
- From my understanding, laws and regulations require health plans to retrieve any overpayments directly from providers, not from a consumer who never received any cash payment. Therefore, this debt is invalid. 
- This agency does not have an active debt collector license in either Oregon ( their home state ) or California ( my residence state in which they are attempting to collect ). 
Further, the agency also added interest to an alleged debt without any written contract, and therefore adding interest is in violation of the FDCPA. ( Any interest rates or other fees must be expressly defined. ) - I have good reason to believe these predatory practices are being committed against many consumers ( as the XXXX XXXX XXXX has many members across multiple states ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: Holloway Credit Solutions
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I got a message from XXXX XXXX that a collection was added to my credit I clicked it and it was Holloway debt collections. They never ever bothered to contact me via phone or in writing that I even had this debt before putting it on my credit. This is the 2nd time Holloway has done this and they are violating my rights and I plan to seek legal advice concerning this. They are not informing me or giving me a chance to disputed the debt they took it upon themselves and just assumed the debt was valid and its not. Im tired of this company doing this they are purposely affecting my credit and my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: MORGAN STANLEY & CO. LLC
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I can no longer transfer my own money from my e-trade account. They placed an " account restriction '' message on my account home page saying my account has suspicious activity. There is no problem. The only problem they may have is that I have been withdrawing money over the last few months and they don't like it. I try to call the number on the home page to get the account restriction lifted but I go into an endless queue listening to music. There is no chat option or email that I can find anywhere on their website. They are holding my money hostage for no reason except that they seemingly don't like me systematically taking money out of my account. I need access to my money. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Radius Global Solutions LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calling me over and over again ; When I answer they just hang up right away.. at this point it's just harassment ; I've received no validation of anything nor has anything been verified and I don't need to be called when the other party has put me on mute for whatever reason.. Harassment and moronic.. They need to Cease and Desist immediately.

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 2017-04-12
Company: POPULAR BANK
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I found this company  E Loan   XXXX  online very easily. They said they could get me a loan with a very low interest rate, long payoff time for {$1000.00} to {$3000.00}. They wanted me to go to  XXXX  to purchase   XXXX   cards - which I did  ( { $100.00} worth taking out {$100.00} from  XXXX  to do this ). After that they did deposit checks ( fraudulent ) into my account from which I purchased more  XXXX  cards. All told {$700.00} of  XXXX  cards were purchased.

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 2021-05-11
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: Account status incorrect

Complaint:
My Report contains incorrect, inaccurate, falsified information reported by you. Including geographical collection, payment history, derogatory etc. 
I contacted you to request deletion of this inaccurate data from my Credit History Report, but have refused or failed to comply this is falsified/unapproved inquiries information and reporting and goes against FCRA and CFPB I am not in contract with any of the following or NEVER VERIFIED any information with them below : Creditors/Derogatory Remarks 1. XXXX XXXX XXXX XXXX 2. XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX Inquiries 1. XXXX XXXX XXXX 2. XXXX XXXX Department 3.XXXX 4. XXXX XXXX Unknown Geographically Information needs to be removed immediately I am verifying I am only XXXX XXXX and I reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX All other information is falsified data They insist that your company claims this information to be accurately reported. This is not true, and here as follows is the correct information : I am enclosing the following to support my claim that the information you have reported is not correct : These negative mark is damaging to my credit. Please contract XXXX, XXXX  and Trans-Union, immediately to remove this information from my credit file. 
Please confirm to me within 10 days that you have contacted the creditors to correct this information. Or I will be filing suit

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 2022-09-09
Company: Affirm Holdings, Inc
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Someone stole my identity by stealing my cell phone and wallet connected to my cell phone the phone is in the company name and by the time I advised them to turn off the phone and get me a new phone the defrauders had already started using my credit card, and I come to find later that the fraud people forward all the calls and text to another number. The police advised me that this is a new way that the fraudulent crooks do to get your calls and text from the credit card companies to keep using your cards. I then canceled all ten of my credit cards and came to find later that a company by the name of Affirm, said I had an account with them. I advised them of the fraud that took place however, they are still trying to collect from me. I didn't even know about this company so I looked them up, and they said the account was used at a jewelry store. I need help with this company trying to collect on a bill that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: BBVA FINANCIAL CORPORATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
In XX/XX/XXXX, Simple bank announced that they were closing and all checking accounts would transition to their parent company, BBVA on XX/XX/XXXX. In numerous email messages to customers, they indicated that the transition would be smooth and automatic. On XX/XX/XXXX, BBVA provided instructions for Simple customers to activate their log-ins for their new accounts. I followed the prompts and created a username and password. However, due to an error in BBVA 's system, I have not been able to use my credentials to log-in. I received various error messages and was eventually locked out of my account. This happened to many other Simple customers. Attempts to retrieve a lost password or set-up a new account have also been unsuccessful. As a result of the number of affected users, BBVA phone lines have experienced long wait times. After waiting on hold for more than 30 minutes, I spoke with a customer service representative on XX/XX/XXXX. The rep was unable to help me, simply stated that there had been a problem in transitioning the account and advised me to call back later. BBVA has not sent a single email or communication to Simple customers since the initial instructions provided on XX/XX/XXXX. They have communicated no resolution steps or advise to affect customers except to call their help desk ( who were unhelpful ). I have two Simple accounts that I can not access, containing around {$50000.00}. This is money that I was planning to use shortly for a down payment on a condo but now have no access to these funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I opened this claim XXXX, but was closed by the bank saying I never sent the information requested. 
I have proof that the fax was delivered with the information requested by the bank to proceed with the claim. 
Attached goes the information for the disputed transactions and the proof of fax delivery with that information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-27
Company: Mr. Cooper Group Inc.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold to Mr. Cooper. On XX/XX/2021 they deducted {$1500.00} for " Hazard Insurance '' from my escrow account to " XXXX XXXX '' XXXX never received these fund and I received a cancellation notice. I ended up paying full cash for the policy, and the total wasn't even correct. This is unacceptable and Mr. Cooper has stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Experian is in violation of FCR A 15 U.S.C. 1681, 611 ( a ) ( 6 ) and ( 7 ).  They continue not to investigate the inaccurate information that they are reporting on my credit file. They have not provided me with Physical evidence as to who, what, where they are getting this inaccurate information. They are speculating and putting " information has been updated, '' and " remains. '' None of which show me how exactly they verified any of the inaccurate accounts on my file. I have provided a description of each inaccurate account and case law surrounding what FCRA laws there are to abide by, which they have not been doing. If there is no evidence to prove the verification my next step will be to file a complaint with the Florida  States  Attorney and get resolution through the courts.

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 2017-06-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I was told in XXXX XXXX that I had to apply for a new loan as the balloon on my HELOC was coming due in XXXX. That request was denied but no alternatives were offered other than to pay off the $ 99,000+ balance. By the time a loan modification was finally offered to me in XXXX my XXXX payment had been missed as no one at Bank of America would tell me what to do. Once the modification was under way in XXXX I was instructed to make a double payment which I did on XXXX XXXX, XXXX in the amount of {$450.00} to make my account current. That payment was misapplied and split into an interest and a principal payment instead of being applied to the XXXX and XXXX payments. I applied for and was granted a loan modification on the above Home Equity Line of Credit on XXXX XXXX, XXXX. This process lasted nine months during which time I made interest payments as directed by Bank of America on time and in the amount requested. However Bank of America reported all nine of  these payments as " missed '' to XXXX and XXXX which has severely impacted my credit score. I am requesting that these are removed from my credit report as it does not accurately reflect the integrity with which this loan handled. There is a big difference between ignoring a financial obligation and following instructions of a loan modification representative. In the ten years prior to the balloon date of my HELOC all of my payments were made on or before the due date and more than the minimum payment was made. During the modification process ALL of the payments were made on time and in at least the amount requested or more. The purpose of credit reporting is to indicate a borrower 's credit worthiness and commitment to repay their debt and I have made every effort to repay this loan in a timely and consistent manner and fulfilled all requests for documents during the modification process in 48 hours or less in an attempt to expedite that arduous process. This report has seriously impacted my credit score causing my homeowners and car insurance to go up substantially and I see no purpose in Bank of America damaging my credit score when I have fulfilled all that they required from me with this loan.

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 2022-03-01
Company: Bliksum, LLC
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I took out a personal loan from cc connect or loan me last year around XXXX and my credit report got a hard inquiry. I took out the loan to help with my credit and they said they report payments. They never reported one payment and i paid it off early and they never reported that. I called several times and they won't help me. All payments were on time and the loan was paid in full early. They just say file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
Company: ProCollect, 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:
Notified the company that the information reported was inaccurate and false

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 2018-12-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have my house for sale. I thought that the second mortgage acquired on XX/XX/XXXX, was " charge off '' Chase Modification on XX/XX/XXXX. 
The escrow office received the Prelim Report where a second mortgage of {$65000.00} appears. 
On XX/XX/XXXX, by the first time the escrow office sent a Request for XXXX Demand and Reconveyance to Chase-JP Morgan Chase Bank-Washington Mutual Bank. On XX/XX/XXXX, by phone, the bank responded they need a payoff proof only. 
On XX/XX/XXXX, by the second time the escrow office sent a fax to JPMorgan Chase Bank, Successor in interest to Washington Mutual Bank, fax : ( XXXX ) XXXX, requesting to confirm with their records to Full reconveyance on the second loan. 
On XX/XX/XXXX, a Third Request was emailed to XXXX from the Broker who represents me on the sale. 
All the three requests have been sent with attachments of Authorization Letter signed from me, Deed of Trust, Preliminary Title Report, Washington Mutual Second loan Mortgage, and my Credit Report. We have not received any response.

Company response to consumer: Closed with explanation