BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
ON XX/XX/2020 I SENT A LETTER TO XXXX DISPUTING A REINSERTITION FROM XXXX XXXX XXXX THAT WAS DELETED WHEN A COMPANY NAME RENT RECOVERY REPORTED IT AND IT WAS DISCHARGED IN A PREVIOUS BANKRUPTCY YEARS AGO. THIS IS A VIOLATION. I ALSO WAS NEVER INFORMED THAT THIS WAS BEING REINSERTED ON MY REPORT AGAIN AND THAT IS DEFINITELY A VIOLATION ON XXXX AND THE COLLECTION AGENCY. I NEVER RECIEVED ANY INFORMATION THAT THEY HAD THIS ACCOUNT OR I WOULD HAVE TOLD THEM THAT THIS WAS DISCHARGED AND DELETED IN A PREVIOUS BANKRUPTCY CHAPTER 7 YEARS AGO. I NEVER GOT A NOTICE FROM THESE PEOPLE AND I DONT EVEN KNOW WHO THEY ARE. WE NEVER HAD A CONVERSATION AND I NEVER GOT A VERIFICATION OF THE DEBT WHICH IS ANOTHER VIOLATION. THERE WAS NOT A NOTICE MAILED TO MY ADDRESS SO PLEASE TELL ME HOW ARE THEY ABLE TO REINSERT A DELETED ACCOUNT ON MY CREDIT REPORT WITHOUT MY KNOWLEDGE AND NO COMMUNICATION AND THE CREDIT BEREAU ALLOWED THIS TO HAPPEN. THE FCRA AND SPEAKS AGAINST THIS. I CALLED XXXX AND THEY ARE BEING LAZY AND REFUSE TO HELP AND THEY NEED TO BE HELD ACCOUNTABLE. THEY WANT ME TO CALL A COLLECTION AGENCY THAT IS IN COMPLETE VIOLATION AND ACTUALLY GIVE THEM CURRENT INFORMATION ON ME IN ORDER TO DISPUTE AN ACCOUNT THAT HAS ALREADY BEEN DELETED FROM MY REPORT YEARS AGO. IM FURIOUS AND I DONT TRUST THAT PROCESS. XXXX NEEDS TO DO THEIR JOB AND STAND BY THE CONSUMER LAWS.

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 2021-01-13
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX  XXXX XXXX Balance Owed : {$570.00} Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: CCB Credit Serivces, Inc
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX SERVICES WAS PAID AND SETTLED ACCOUNT IN XX/XX/XXXX-XX/XX/XXXX, XXXX-ILLINOIS ACCOUNT XXXX, SOLD DEBT TO XXXX XX/XX/XXXX WHERE THEY WENT ONTO CREDIT REPORTS W/O VALIDATING INVALID DEBT. FCRA, FDCPA AND TCPA VIOLATORS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have purchased a fridge on amazon.con on XX/XX/2022 and the fridge was delivered on XX/XX/2022 but it arrived damaged so I returned the fridge to Amazon. Until today Synchrony bank is NOT resolving the issue of refunding me my money of XXXX dollars and amazon is not refunding the money either. Synchrony bank gave a temporary credit but that is wrong I should get a permanent credit for my XXXX dollars since the fridge was rejected and returned back to amazon on XX/XX/2022. I do not have the fridge and so synchrony bank and amazon should refund me my money permanently. I have called synchrony bank but they did NOT call me back and they ignored my calls. This is the worst customer service ever. I want my money back since I returned the item back to amazon 30 days ago I disputed the charge with synchrony bank but they did not resolve anything and nobody has contacted me about a resolution

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 2015-06-29
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My ex-wife obtained pictures of checks I mobile deposited. When questioned how she admitted that XXXX of her clients ( my ex is a XXXX ) works for TD Bank in XXXX South Carolina and obtained these for her. I went to see my local branch manager who was helpful and opened an investigation. I had to close my account and I opened a new XXXX ( I watch it daily to make sure there is no funny business going on ), and I was told my account would be watched for any questionable activity. Meanwhile I had to lay out {$80.00} to have new checks printed and sent to me XXXX day air. This whole mess caused absolute chaos in my bank account and I am just now about XXXX months later, getting back on top of things. Meanwhile because of the mess the banks employee made, I have had overdrawn checks and they have made at least {$500.00} in fee 's off of me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-08
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Loan # XXXX Complaint : Taxes paid from escrow account that were from another property owner for unsecured debt over 30 years old. Ocwen will not remove and cancels appt 's. Ocwen returned wire to reinstate loan 1 week after receiving. 

XXXX I was doing a loan Modification in XXXX and discovered that Ocwen had never paid my taxes on the XXXX parcel and it was going up for auction. After many calls trying to get anyone to understand this Ocwen finally paid the bill XXXX. I was assured by the relationship manager that when they finalized the modification the back taxes would be included. After analyzing my escrow account I realize that they not only did not include these amounts in the loan modification but that they paid some on else 's taxes. There were taxes paid that were from XXXX XXXX/XXXX/XXXX {$2000.00} on another borrower of the property that was unsecured. Ocwen keeps changing the payment amounts so I could not keep up with the payments as I am XXXX. Now I am trying to reinstate my loan and I can not come up with all this money that they are adding on my account. 
I have a reinstate on my statement amount of XXXX, XXXX XXXX/XXXX/XXXX Talked to Ocwen XXXX/XXXX/XXXX to try to get help with loan and was told that I had to pay all the old taxes to that were not mine. 
Received reinstatement amount on XXXX/XXXX/XXXX that says XXXX. I then did the research on amounts due and found all the escrow errors on my account. XXXX I called CA tax collector and got them to email the information regarding the taxes that were paid for someone else out of my escrow account. XXXX I emailed XXXX XXXX XXXXXXXXXXXX with all the information. I made an appt to talk to Ocwen XXXX, they never called, looked on computer and apt was deleted. I created another apt for XXXX/XXXX/XXXX, I checked for the apt XXXX and it was deleted again. I rescheduled again for XXXX/XXXX/XXXX and no call. XXXX I received letter from XXXX totally ignoring what I said about the taxes. XXXX I called the taxes department XXXX and talked to person id # XXXX and explained the whole issue. I was told they would research and call the tax collector I had talked to and I should hear back in 2 days. I heard nothing and I could not wait to talk to someone so I sent my statement with the amount due to reinstate, wired the XXXX on XXXX/XXXX/XXXX to Ocwen. As of XXXX/XXXX/XXXX the payment had not been credited to my acct. On XXXX/XXXX/XXXX the appt. to talk to the relationship manager was cancelled. I went back in the computer to reschedule again ( not XXXX/XXXX/XXXX ) and noted that I had paid the amount that was due on my statement. On XXXX/XXXX/XXXX the monies paid we suddenly returned to my bank account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-26
Company: Radius Global Solutions LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This is a telephone bill that during pandemic I lost my XXXX in the year of XXXX and I stated to them that I would pay the phone bill but I did not have the full amount. They refused to take payment shut off my phone then tacked on intrest on the bill when I was not working and it was the only phone I had for emergencies. I left a Voice mail stating that I tried to make payments to keep the phone I lost my XXXX  on XX/XX/XXXX and on this date I recieved a letter with intrest of the amount that is owed.

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 2022-03-26
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
The XXXX mainConsumer Reporting Agencies ; XXXX, EQUIFAX, and XXXX are reporting Inaccurate information on the consumer file they each hold in my name. My name, date of birth and address need to be corrected and my consumer files immediately updated to reflect my true identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX went into what appeared to be a legitimate business. XXXX XXXX where he said he could provide a intuitive statue custom designed. I was advised that it would be available the following Wednesday and hed provide an address where I could pick it up. The address provided doesnt exist. Reach put via social media. The store is closed. Wrote a letter. On XXXX after no avail to getting either the statue or my money. I opened a claim with my bank. Filed a police report and signed an affidavit attesting to pressing charges. I supplied this to my bank and they have not returned my money. It was sent via certified mail and email.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
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: Credit inquiries on your report that you don't recognize

Complaint:
After careful review of my credit report I noticed that there were inquiries from the following companies in which I did not authorize to obtain my credit report. Please see the following inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: Santander Consumer USA Holdings Inc.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/2022 I was informed that Chrysler Capital had put a repossession order on my vehicle that has been transferred into Private Trust per security agreement to XXXX XXXX XXXX XXXX # XXXX. On XX/XX/2022 I contacted Chrysler Capital about the allegations of repo order and spoke with several employees in the platinum member services department with employee ID numbers : # XXXX, # XXXX XXXX XXXX and Executive office member # XXXX XXXX. All employees name of Chrysler Capital was using profane language and making threats of repossession of private property, and saying that I owed debt. I have attempted to send several Notices to Chrysler Capital regarding my administration forensic investigation and analysis after notice of fraud, and billing errors pursuant to ( regulation z ) and ( regulation f ). Proof of service includes five signed and completed USPS ( PS Forms 3811 ) that have been included in attachment, along with Debt Validation Letter ( 15 USC 1692 ( g ) ) that was never responded to, Affidavit of Truth that Chrysler Capital is also in Non-Response of. Chrysler Capital has Received and Signed showing proof of reception of said documents. Since Chrysler Capital is in violation, dishonor, and default to cure of using copyrighted property, and sending threats of repo order a private administrative judgment has been issued. This is to notify XXXX XXXX, XXXX, Chrysler Capital and Santander, LLC that a commercial lien of ( {>= $1,000,000}. ) has filed against them and will not be released until settlement is reached. Affidavit of Obligation has been sent registered mail ( XXXX XXXX XXXX. Declaratory Judgement. " Default '' status. Enforcement has been done non-judicially.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Experian Information Solutions Inc.
State: IL
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 XXXX of this year 2022 Credit reporting agencies were made aware of fraudulent accounts & incorrect information on my consumer 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 2021-01-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are numerous accounts listed on my credit report that I have no knowledge of. This was a result of malpractice or an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
Protfolio recovery, This collection company received a request from the three credit for XXXX to investigate my fraud claim. This company also received a identity theft affidavit packet which was sent to me completed and returned back to this company. This company committed a violation of the fair debt collection practices act as well as the fair credit reporting act. The first violation was out of section 809 subsection B of the fair debt collection practices act were clearly states, because XXXX  notifies a debt collector in writing within the 30 day period described in subsection eight that the debt, or any portion therefore is disputed, or that the consumer request the name and address of the original creditor, the debt collector shall cease collection of the debt or any dispute a portion therefore until the debt collector obtains verification of the debt or, complete his investigation into identity theft of the consumer. The collection agency fail to provide documents validating this fraudulent debt. And intern, this collection agency validated a debt that a criminal has already admitted to opening. This person was convicted in XXXX XXXX Superior Court under case number XXXX XXXX This person admitted in court to using my information as well as my fiancs information and several others to make profit. He sold our information on the Internet. So, I am all the way confused as to why this company has not remove themselves and why they did not complete a proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
The colossal stupidity and incompetence at the XXXX XXXX XXXX branch of TD Bank is unparalleled and has reach dizzying heights of monumental XXXX. They once again failed to wire transfer {$4600.00} to the correct party yesterday and on top of that, no one called to let me know even though they have my cellphone number on the account. In other words they let a whole day go today and when I could have fixed it they failed/refused to even let me know about it. This is the third time they have done this in 6 months, amongst other major training problems with their XXXX staff. In the past they have arbitrarily blocked my ATM card from making routine mundane charges for " fraud protection, '' refused to credit me when I purchased electronic goods that did not work and were defective, and opened up a Lawyer Escrow account as a regular checking account. The manager at this branch needs to be re-trained if not fired for incredibly stupidity and XXXX training of her staff, which appears to have a turnover rate of new employees every few weeks. Not only that but they allow accounts to go negative and bounce checks without notifying you so that they can clandestinely collect a fortune in fees. Please urgently assist.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-28
Company: TD BANK US HOLDING COMPANY
State: KS
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I called XXXX & XXXX and was told the account reporting on my credit file does not match my address or my identifying information yet Target/TD is still reporting on my credit file. My address : XXXX XXXX XXXX XXXX KS XXXX. I 've been a victim of identity theft many years ago and I have submitted yet another police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Security Credit Services, LLC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
This letter is in response to your recent claim, in which you claim I owe {$9100.00}. 

Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 

Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. 

I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 


*** Also Note - I was not properly served.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Account Number : XXXX The account is closed and paid in full. It has been over 7 years since the account was open. Therefore, I am asking for you to remove this item immediately. 
My Bank of America mortgage account has 30-Day delinquencies for XXXX and XXXX. My original mortgage servicer was Country Wide and was bought out by Bank of America in XXXX. Due to the recent National Mortgage settlement, Bank of America was one of the lenders who were found guilty of extensive mortgage servicing misconduct and deceptive practices during the XXXX settlement. Therefore, my 30-Day delinquencies are a result of their misconduct. 
At this time, I ask that you remove the 30 day late payment immediately off of my account and credit 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 2015-04-13
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a call from XXXX XXXX XXXX asking if I wanted to switch to Uverse that it was better and that there was no charge or interruption of service. I received a new modem in the mail and after connecting it found out it was defective. I was directed to an XXXX office in XXXX, CA to exchange the Modem. Went to the store and was told that I was given the wrong information and had to send it back ( mail ) to exchange it for a working XXXX which I did. After about 20 days the system was up and running. Got a collection call several months afterword 's, I contacted XXXX XXXX XXXX who told me it was an error and that they would correct it. A year later I am starting to get collection calls and letters trying to collect the same account again. I called XXXX XXXX XXXX ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX - would not give his last name ) and basically was told that either they could not find the account or that they could not do anything about the account because they had sold it and that I would have to work it out with the collection company. I had and still have the same service with XXXX XXXX XXXX with no interruptions in service.

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