BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-14
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: Altisource Portfolio Solutions, S.à r.l.
State: WI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My name is   XXXX   XXXX   and  All this st arted with the nationwide cre dit Inc. I owe  them a total of {$110.00} a month I called on the third and told them that it was going to come back as insufficient funds because I did n't have it this month I Live off my  XXXX  well they did n't inform me that if it was insufficient funds they were going to try again the same month and the first attempts to collect the debt my bank told me that because it was insufficient funds they would take {$30.00} out As a fee what on the seventh they took it out again an d 30 more  dollars was taken out and now I 'm overdrawn {$110.00} because things that should 've gone through could n't go through because they tried to collect second time I called them and explained this to them after I realize the se cond 30 was ta ken out because they could n't get their money and they were quite rude and told me that it was my banks fault I could n't get my money back and that it 's common knowledge that they tak e it out two time s which they never told me that so now they 're making it sound like they do n't want to give me the money they owe me I 've called several times now and every time I talk to somebody at the nationwide credit I get a different answer and they keep telling me that we ca n't give you a timeframe as to when this all be resolved we have no idea it 's just been a lot of headache and they should 've just warned me when I started up the debt collections the first time hey if you do n't have it we 're gon na try again and they never mentioned that they only mentioned it after I said to them how come you took it out a second time this month then they were like oh yeah about that you should just know tha t debt collectors  are going to take it out twice which I was told by another debt collector is n't true he said once it goes insufficient they should 've had the courtesy to call me and tell me hey I did n't get your money and set something else up not just try again which is what I got but they 're pretty rude over at that nationwide credit I really am not thrilled with the service I am getting at all I just want this to be resolved because I was {$110.00} overdrawn and I ca n't afford it and it 's just frustrating that they do n't want to even take the time t o fix it.  XXXX  (  XXXX  )  XXXX  That 's their office number if you want to get a hold of them good luck  I hope this  can be resolved because this is very very frustrating signed a very frustrated  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 2019-12-14
Company: AMCOL Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have tried to research this company. I can not find them. I have insurance and should never have a XXXX bill. I have no Idea who they are trying to bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
SPS is trying to put my house in foreclosure again. My bankruptcy case was recently dismissed and I asked SPS for mortgage assistance. First they said I just needed to send a RMA despite their website saying I need other forms. Then they said that they received all the documents they needed before I even sent the RMA. I dont think SPS is trying to help me with my mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Credit Collection Services was paid in full upon INITIAL notice DATED XX/XX/2022 of collection activity from XXXX XXXX for the amount of XXXX. I called on XX/XX/2022 and resolved the debt IN FULL and was told i resolved the matter timely and it would not be reported ... the outstanding amount was actually {$110.00} due to my previous arrangement with XXXX XXXX On XX/XX/2022, i recieved notification that my XXXX credit was falsley tagged with a collection account and today XX/XX/2022 XXXX  XXXX has been tagged with a collection account. This has all damage MY CREDIT! I expect tomorrow XXXX will also be hit with a collection. None of this activity should have EVER been reported and it needs to be removed ( DELETED ) immediatley!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Rocket Mortgage did not pay my insurance on time. And, when they did pay it, they short paid it. I spoke with XXXX on XX/XX/13 at XXXX a.m. It was extremely difficult to get her on the phone as it is practically impossible to get a human being in the insurance department. She said she would check into it and get back with me. She has not done that. Instead, Rocket Mortgage is threatening to get insurance for me at a higher price. I'm very upset that my insurance was not paid and Rocket mortgage caused my policy to lapse. I'm even more upset that XXXX has not responded to me or done anything since my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Capital One bank does no longer accept a Passport as a " Personal Identification '' proof. 
I applied for a secure credit card with Capital One and the application was granted on XX/XX/XXXX. I paid the security deposit, they sent me the card, and I was notified to call them in order to activate it. 
On XX/XX/XXXX I called them and they asked me to provide 3 additional documents : personal identification, proof of address, social security card. In the call I mentioned that as a Personal Identification document, I can provide my passport ( I am not a US citizen ), and they said it will be sufficient. 
On XX/XX/XXXX I called their customer support service to check up on the application process and they said they no longer accept passports as a Personal Identification document, they also mentioned they changed the policy in question during the last weeks. I asked them to sent me a letter with the reason for suspending my account in writing and they said they are not capable of doing this. 
On XX/XX/XXXX ( next day ) I called their customer fraud protection department asking them again the same things regarding my application. When I was told that my passport was rejected as a Personal Identification document, I asked if this rejection is lawful under US law and if the account suspension violated our terms of agreement. I got a very vague answer and when I asked them to connect me to their legal department, they replied they don't have a legal department. I asked them to give me in writing the reason for suspending my account and told me again that they are not able to do that nor connect me to any other Capital One representative that can do that or help me in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
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: Their investigation did not fix an error on your report

Complaint:
For 2 years now I have been disputing the same information on my credit report & Equifax has ignored my many disputes. As a result I was just recently denied for another credit card that wouldve elevated my utilization & supplied me with the financial freedom in order to start my real estate company. Equifax continues to get away with violating the FCRA & I am close to filing a lawsuit with my federal court for willful negligence. Their malfeasance is inexcusable & needs to be punished

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: SYNCHRONY FINANCIAL
State: OK
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
On    XXXX   XXXX   XXXX   I went online to the my Syncrhony website to make a payment. Upon submitting the payment the website provided an error and the payment did not go through. I then had to close the website completely go to another pc as the website would not work and submit the payment. I received a confirmation the payment went through. Today i received a call that my payment did not go through was late and needed to be made. When i asked if i was reported late the person said i do n't know. I told then this was not acceptable as i made the payment. The person said i do n't know if your credit will be affected. this is not acceptable i made the payment. I then asked to speak to a manager who says she will  waive the late payment charge when i ask about my credit she says you did not login on line on the  XXXX  you tried to reset the pw only. I assure you not only did i login i received an error, went to another pc in my home, reset the pw and made the payment. She says she will open the investigation but no one will tell me if my credit is affected. This is not acceptable. Further, we have another synchrony account and when we tried to login to make the payment today it says the website is down so clearly the website does not work. Something is wrong on their side and they claim i did not make the payment. I have not missed a single payment on either account yet they want to damage the account standing. this is not acceptable. I want resolution. When they said they would open a ticket she said may be 3-5 days but no guarantee it will be that would be longer. This is not acceptable. Please correct

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 2020-04-22
Company: EQUIFAX, 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:
XXXX XXXX from XX/XX/XXXX + XXXX. 
XXXX XXXX from XX/XX/XXXX + XXXX. 
XXXX XXXX XXXX from XXXX XXXX, XXXX + XXXX  XXXX XXXX  from XX/XX/XXXX + Bank XXXX  Inquiry from XX/XX/XXXX + XXXX  XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX + XXXX  XXXX XXXX  from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bank previously sent ftc violatons

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: Rent Recover, LLC
State: GA
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:
I called the debt collector several times to have my case disputed and she has refused to do so. She told me that I need to contact to agency that I owe. She hangs up on me instead of giving me info on my case.

Company response to consumer: Untimely response
Consumer complaint received 2019-08-08
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Equifax is refusing to block fraudulent information on my report.I 'm at my wit 's end with this.Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: DISCOVER BANK
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I have received numerous phone calls f rom Discover Student Loans. T hey keep calling from the following number  XXXX . When I do answer the call no one speaks and they just hang up. I had to block this number due to the repeated calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act XXXX  Account, 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 response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of   XXXX   XXXX     I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2021-12-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. I have the right to dispute incomplete or inaccurate information that is reporting on my consumer file. In the attached exhibits you can see the inaccurate and incomplete information that Experian has been reporting on my consumer 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 2022-04-28
Company: EQUIFAX, INC.
State: FL
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:
In accordance with the Fair Credit Reporting Act XXXX  accounts, Account name : XXXX XXXX XXXX. 
Account number:XXXX  Account name : XXXX XXXX XXXX  Account number XXXX XXXX Account name : XXXXXXXX XXXX XXXX Account number XXXX XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX. 
Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number XXXX XXXX Account name : XXXXXXXX XXXX XXXX Account number : XXXX have violated my rights : 15 U.S.C. 1681 ( A ) states : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S.C. 1681 ( B ) states : Consumer Reporting Agency can not furnish an account without my written instruction. 15 U.S.C. 1681 ( S ) states : ( a ) Duty of furnishers of information to provide accurate information. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I have notified XXXX, XXXX, & Equifax of inaccurate information on my credit report. 15 U.S.C. 1692 ( B ) states : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall, NOT state that such consumer owes any debt. I have received numerous phones calls from each of these companies trying to collect the money that i " allegedly '' owe. I feel i have given more than enough proof of the laws that these companies have broken. I need these accounts to be removed from my credit report. if these accounts are not removed from my credit report i will be seeking financial compensation or harassment. 15 U.S.C. 1692 ( D ) ( 5 ) states : causing a telephone to ring or engaging any person in telephone conversation or continuously with intent to annoy, abuse, or harass any person any person at the called number. Thanks for your time and understanding on this matter at hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: Paypal 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: Information belongs to someone else

Complaint:
There is a pay pal credit card on my account saying Im an authorized user. Id like this removed from my account. I didnt sign anything or ask to be put on as an authorized user at any time with anyone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-28
Company: Experian Information Solutions Inc.
State: FL
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:
In accordance with the Fair Credit Reporting Act XXXX  accounts, Account name : XXXX XXXX XXXX. 
Account number:XXXX Account name : XXXX XXXX XXXX  Account number XXXX XXXX Account name : XXXXXXXX XXXX XXXXs Account number XXXX XXXX Account name XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX 
Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number XXXX XXXX Account name : XXXXXXXX XXXX XXXX Account number : XXXX have violated my rights : 15 U.S.C. 1681 ( A ) states : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S.C. 1681 ( B ) states : Consumer Reporting Agency can not furnish an account without my written instruction. 15 U.S.C. 1681 ( S ) states : ( a ) Duty of furnishers of information to provide accurate information. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I have notified Experian, XXXX, & XXXX of inaccurate information on my credit report. 15 U.S.C. 1692 ( B ) states : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall, NOT state that such consumer owes any debt. I have received numerous phones calls from each of these companies trying to collect the money that i " allegedly '' owe. I feel i have given more than enough proof of the laws that these companies have broken. I need these accounts to be removed from my credit report. if these accounts are not removed from my credit report i will be seeking financial compensation or harassment. 15 U.S.C. 1692 ( D ) ( 5 ) states : causing a telephone to ring or engaging any person in telephone conversation or continuously with intent to annoy, abuse, or harass any person any person at the called number. Thanks for your time and understanding on this matter at hand.

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 2021-12-11
Company: Debt Recovery Solutions, LLC
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX I received a letter from Debt Recovery Solutions stating that I owe them {$350.00} for a XXXX XXXX payday loan that was paid XX/XX/XXXX. Myself and my relatives have been receiving phone calls threatening lawsuits and letters from multiple companies regarding this debt and despite paying it, I keep getting letters and phone calls. The letter from DRS offered a settlement so I called and paid the {$280.00} hoping that paying a second time would stop the phone calls. Shortly after paying these people a company named XXXX XXXX XXXX calls and says they are filing a civil complaint against me regarding this XXXX XXXX payday loan. I called XXXX XXXX who stated that the debt was sold to XXXX XXXX. I filed a XXXX  and CFPB complaint against XXXX XXXX because I contacted them XX/XX/XXXX about the same issue and I received an email from XXXX XXXX stating that my account was closed and I would not receive anymore calls regarding XXXX XXXX. XXXX XXXX responded with the following, MESSAGE FROM BUSINESS : RE : XXXX XXXX Please be advised that your account status has been updated to settled in full, it no longer carries an outstanding balance and is now permanently closed. All necessary parties have been notified of the issue and will cease all/any further attempts to contact you regarding the account. 

The error was caused due to a technical issue during a data upload but has been fully addressed to correct the status of the account. 

We apologize for the inconvenience caused by account error. 

If you wish to discuss the status of your account or want further detail or elaboration, one of our team members will reach out to you at your convenience. 

On XX/XX/XXXX, DRS refunds XXXX to my checking account thats associated with the debit card I paid them with, and on XX/XX/XXXX posts a collection account on my credit report for XXXX XXXX. I want it removed and I want to know why it was placed on my credit report.

Company response to consumer: Closed with explanation