BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-09
Company: Dynamic Recovery Solutions, LLC
State: NE
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:
my wife and I had a cell phone with XXXX XXXX in 2004, or prior ; the only statement I have kept is from XXXX, 2004. XXXX was bought out by XXXX, which has since been bought out by XXXX. I was charged an early termination fee, despite my explanation that we had fulfilled our contract. Obviously, I refused to pay it, and I 've had to dispute it with XXXX, repeatedly, as well as at least 1/2 dozen subsequent collection companies. 
I called Dynamic Recovery Solutions today, and explained this and will forward add'l documentation to them. I understand the the current owner is XXXX XXXX XXXX XXXX XXXX ; So I will name them in this complaint. The documentation that I attach will illustrate how wrongfully we have been harassed about this obligation for more than 10 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Date XXXX Balance : {$29.00}

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 2022-10-04
Company: SYNCHRONY FINANCIAL
State: MD
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:
Recently, I did an investigation on my report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my cred it reports and Under 15 U.S Code 6181e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report. 
As a consumer, I request to know the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification Description of investigation procedure.

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 2020-07-20
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I can not set up an account with XXXX which is a pay day loan app due to PNC not allowing XXXX to verify my account information to receive payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have had my mortgage with Truist since XX/XX/XXXX. The first 4 months I couldnt make payments on line because the phone # they had for me was incorrect so every time I tried to reset my password it would go to their customer service XXXX number because that was what was input during the botched data base merger when they merged SunTrust and BB & T. I had to go into the local branch in down town XXXX to get it straightened out. The manager XXXX XXXX helped me fix the online issues ( I thought ) and helped make a payment of {$1100.00} and {$200.00} additional on XX/XX/XXXX. The only thing that posted to my account was the payment on principle of {$200.00} I received an email XX/XX/XXXX that my XXXX payment was past due. I want my XXXX payment to reflect that it was paid on XX/XX/XXXX. I havent been able to resolve this issue through Truists customer service. Ive called numerous times and have been told I will be called back and no one ever calls me back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: Selene Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
1. this lender took over the loan in XX/XX/2019. we borrowers were not notified In time to send payments to Selene/the new lender. payments were sent for former receiving lender ( XXXX  for XXXX XXXX  ) 2. now selene ignored our request to provide us copies of checks they received from loancare/Cit former lender ... .. 
3. meantime now selene has sent a notice to accelerate /foreclose on the property. 
4. we/borrowers have sent selene certified letters requesting the copies of checks selene has received from Loancare/cit former lender, but has ignored us todate. 
customer service is very rude over the phone. all they are concerned with is to foreclose on us since we have low interest on the existing loan. 
5. selene finance feels they are not covered under the government mandate to halt debt collection due to covid 19 .... who can we send the complaint about this lender about not adhering to this mandate? ..pls. give me info.I will direct addl. complaint. 
lender is Selene finance, XXXX, XXXX .... Account # XXXX borrower : XXXX XXXX Property XXXX XXXX XXXX XXXX, XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I owed approximately XXXX dollars. While I was waiting for XXXX to be ok 'd, ( 2006 ) the first debt collector ( I do n't remember the name ) started to call me everyday, even on the weekend. I kept telling the person ( XXXX ) that I expected money in about two weeks and told him after several calls that I was going to receive XXXX for XXXX and XXXX. He started acting upset and said. oh no! He hung up and called our police dept and told them I had threatened to kill myself. The police called my home and my sister had to verify I was ok. A supervisor called me and tried to set up payment and I told them about XXXX XXXX actions. They told me they had fired him for those kind of tactics. I told them I would not pay the debt, instead of suing them, and they stop calling. A year later another debt collector XXXX started to call and harass me for the money, I told them the story of the other collector, and they bought a bad debt. I did not here from them until recently. Now they are calling me every week day sometimes twice a day. They continue to report this debt to credit agencies. The original debt is from 2006, I now receive XXXX and can not pay and feel I have been wronged and harassed. I 'm done. They have not sent any written communication, just keep calling after10 years. hopefully you can give me direction. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
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: Public record information inaccurate

Complaint:
A Eviction is showing on my credit report that is stopping me from being able to rent a place for my family that does not belong 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 2022-04-11
Company: ENCORE CAPITAL GROUP INC.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
This company calls me multiple times a day and repeatedly calls me before XXXX XXXX. They call from 8 different numbers currently, and I have blocked other numbers they repeatedly call form at early hours. Below is a list of some of the numbers they call from and some of the times they have called that are protected. I asked them repeatedly to not call at this hour. When I talked to them in XXXX they were rude and hostile and threatening. 
DATE TIME # CALLING FROM XX/XX/22 XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22 XXXX " " XX/XX/22 XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22 XXXX " " XX/XX/22 XXXX XXXX XX/XX/22 XXXX " " XX/XX/22 XXXX XXXX XX/XX/22 XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-26
Company: I.C. System, Inc.
State: AR
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:
We switched from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX internet a little over a year ago. We did that based on the promise that all of our past debts would be written off and we wo n't have to worry about it. We believed them until I started getting calls from some agency claiming that the debt was still owed to XXXX XXXX XXXX. We believed them when they said we owed nothing, but we took care of it with XXXX XXXX XXXX and it should 've been paid off. 
Yet we still get calls about every XXXX months from the same agency. Never a written item, just a call, claiming the same thing. I tell them it 's taken care of and to get the number off, but they keep the same pattern up. I do n't know who the company is, just that they keep calling and telling me the same thing over and over and over again. I have had enough! I want them to stop harassing us about this debt since, as I know a little about collection laws, they have invalidated it by not sending us anything in the mail ... .ever. It needs to be received within XXXX business days, and we never got a single mailed item from these people. We want them stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
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: Account information incorrect

Complaint:
The dates reported are completely incorrect by years. This debt was from 2014.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: EQUIFAX, INC.
State: PA
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:
These Hard Inquiries were without my verification nor consent, nor my knowledge, I have fraud protection and a contact number on file for them to first verify that it is me, and they didn't ... 


XXXX/XXXX  Inquiry from XX/XX/2020 + Miscellaneous XXXX XXXX XXXX  XXXX Inquiry from XX/XX/2020 + All Banks XXXX/XXXX XXXX  XXXX Inquiry from XX/XX/2020 + Miscellaneous

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I had chase bank do my bill pay. one of them was GM financial. It seems the payment was always late. I would receive calls from GM Financial every month wondering where s my payment. Were you late or were you n time that's what I want to know. I never receied any calls from my other creditors exept GM financial. They would bagger me for the payments. Please inform me if that not the case I do not like for anyone takes advantage of me. I feel you have. Just because I am a mental patient. Check your records because I am glad that I am no longer with your bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be deleted. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated or deleted. 
XXXXXXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX : {$270.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$390.00} XXXX  XXXX : {$5100.00} XXXX  XXXX : {$6200.00} XXXX  XXXX : {$4600.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
These are not my accounts. Please remove them.

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 2022-04-11
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report to Transunion. To this day over 45 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. 
Account - XXXX XXXX ( ACCOUNT # 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 2015-07-10
Company: Google Compare Credit Cards Inc.
State: NJ
Product: Prepaid card
Sub-product: Mobile wallet
Issue: Unauthorized transactions/trans. issues

Complaint:
I had a {$50.00} google XXXX card in my Google WalletIt expired without notice and i lost my fundsGoogle should have alerted me when the card was about to expire as they do for a credit card linked to the Wallet, so i could use the funds

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Capital One loan is for a recreational vehicle which we 've been making payments on for approximately 8 years. For all of those years, we have made a monthly payment of {$99.00}. The loan began as a fixed rate, but recently, in the past 6 months, additional fees have been added, we 're now told that the loan is variable rate. Every month for the past 5 months, we 've had to write or call customer service and get charges removed. We 've also been charged late fees when the payment was not late. We 've been told that the payment must be made BY A CERTAIN TIME on the due date or it 's considered late.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: Paypal Holdings, Inc
State: NH
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I sold something on ebay and received a payment for {$1300.00} for the amount of the item ( {$1200.00} after fees ) ( transaction ID XXXX ). The buyer paid by Paypal. Paypal received the payment, but refuses to update my balance. After several phone calls, Paypal said it was due to a " software update '' and it would be fixed immediately. It has now been more than a day. Many other sellers are having the same problem according to ebay 's community boards. Paypal keeps changing the story about when this will be fixed. Some people are being told an hour, some a few hours, some until the end of the day, others 24-48 hours, and one person was even told 4-5 days. Like many sellers, I was relying on this money -- {$1200.00} is not an insubstantial sum -- and I think it is completely unfair for Paypal to hold up so many people 's funds so it can update its software. There surely is a way to update software without holding customers ' money with no recourse.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-26
Company: WELLS FARGO & COMPANY
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
I do not have an account with Wells Fargo but wanted to cash a check drawn on that bank. I was in the XXXX, Nevada branch on XX/XX/2020 about XXXX and the teller asked for identification. I gave her my driver 's license and XXXX XXXX XXXX. She wrote my personal ID number from the driver 's license on the back of the check. I told her that she should not be doing this as it is giving my personal information to other people. This is the second time this has happened at this branch. She said it was Wells Fargo policy. Thank you in advance for helping me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV 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 2020-03-26
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX loan officer of Santander bank is a fraud. He has mislead me in terms of rates to get my business. We rate locked at 3.50 % no points, when the rates dropped in early XXXX he told me he could lower to 3.25 % no points, in reality it was 3.25 % with 1.375 pts THAT HE DID NOT DISCLOSE. When I kept asking him for corrected loan estimate and corrected rate lock to show the lower rate, he told me I was harassing him and not to contact him and go through my attorney. Come to find out this was because he knew he did not disclose the 1.375 pts, nor did I ever sign any disclosure that said 3.25 % with 1.375 points. He knew if he told me that in early XXXX I would have shopped around with another lender because the rates had dropped then, he prevented me from doing so by falsely representing the rate he would give me. Then stalled on paperwork until days before the closing so I had no choice to go with them or shop elsewhere. His practices are completely illegal and misleading.

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 2022-09-05
Company: EQUIFAX, INC.
State: NY
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  XXXX XXXXAccount # 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 2017-05-24
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: Public record information inaccurate

Complaint:
There is apparently a lien on my account for {$6700.00} from New Mexico  Taxation and Revenue f rom  XXXX . This has somehow been linked to my name. Please note that I only moved to the US in  XXXX  ( I am an  XXXX  citizen ), had never heard of "  XXXX  '' before today, and have nothing to do with this apparent outstanding account.     How can someone link something to your account with no one actually doing any checking?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
A Eviction is showing on my credit report that is stopping me from being able to rent a place for my family that does not belong 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