BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-08
Company: Synovus Bank
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
I got this card a few years ago to rebuild my credit after a Bankruptcy clearing, this XXXX XXXX is an absolute scam, they advertise Bill Pay, i signed up for it twice and was confirmed thru my Bank, the payment was never withdrawn leading to a late charge. There is no way to dispute these charges except writing a Letter to a XXXX like its early XXXX, i wrote a letter after gaining the address from a sales associate, no response and after Months of waiting for a reply a Check of my Credit found the late charge had not been removed, contacted customer service they stated no such letter was received and to rewrite the letter AGAIN and nobody was available to talk to in the Corrospondence Dept. that was XXXX late charge in XXXX XXXX, in XXXX XXXX a associate purposely decieved me by telling me a false amount was due, i set up Bill Pay again and this time a Manager from my Bank set it up for me, it worked once on XXXX XXXX and then the Bank purposely cancelled the Bill Pay which was supposed to be a monthly withdrawl to incur additional late fees and charges and again leading to a XXXX XXXX late payment report to my credit report even tho i made a payment on XXXX XXXX which is within the 30 day federal fair credit act, This company is purposely decieving and defrauding cardholders for their own financial benefit and ruining credit cardholders credit taking advantage of vulnerable people seeking to repair their credit, i demand these XXXX late payment reports to credit bureaus be retracted immediately, ive read thru XXXX of similar complaints, i have no idea how this company has an satisfactory approval credit rating, A complaint will also be filed with the Georgia Dept. Of Consumer Affairs and the Attorney Generals Office to investigate this Company for Fraud!!! on XXXX I had my final dispute paying off my remaining balance and canceling my account. An associate falsely represented herself as an manager after I requested one and being on hold for 5 minutes and attempted to resolve the dispute on her own I was then on hold for another 10 mins before being forced to hangup.she also said my security deposit would be returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Shellpoint has denied my request to modify my mortgage claiming non receipt of requested documents, and also responded to a previous complaint to cfpb that I did not supply docs. Not true, all faxed and mailed multiple times. I refaxed and mailed XXXX pages yesterday again!. Included were multiple letters from them acknowledging receip of requested docs

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-30
Company: Santander Consumer USA Holdings Inc.
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My Vehicle was Reposed Due to my Late payments and a Botched agreement with my Finance Company Santander. 
When the Vehicle was Reposed by a Contracted Truck Company that is when the Problem Occurred. I was Assaulted by the Truck Driver and Damage was Done to my Vehicle in the amount of $ XXXX {$8000.00} to the Side Passenger Side Door Panel ( Exterior ). 
Which resulted in the Police being Called by Me and a Police Report Filed and Charges being Brought up on the Truck Driver. The Company ( XXXX XXXX ) of Arizona. 
Police Report # XXXX From the XXXX, Arizona Police. 
This Incident Resulted in me Losing My Job ; Because the Incident took Place at my Employers Parking Lot. There is a No Tow Truck Zone Filed with the State of Arizona for My Previous Employer 's Parking Lot. So, The Tow Truck was there on the Property & Premises against A Written & Filed Order. 
On the 2nd Repo My vehicle was Damaged in the Interior Driver Side Arm Rest attached to the Driver Door as well as Theft of my Belongings. 
List of Belong 's : 1. XXXX ( XXXX ) 2. XXXX XXXX 3. XXXX 4. XXXX 5. XXXX XXXX 6. XXXX XXXX 's 7. XXXX The situation with the License Plates Has caused me to be pulled over by the Police on XXXX Occasions and Ticketed on ( XXXX ) Occasion. 
Causing Issues to my Life and way of Living. Stated Below Pain & Suffering * School Work not being Completed ( Due to Stolen XXXX ) * Lack of Job Search & Employment Retention ( Due to Stolen XXXX ) * XXXX ( 2 ) Piece Special Order for a XXXX I 'm apart of & Paid to be a Member of ( Loss Wages ) {$400.00} XXXX @ XXXX XXXX Missed ; Due to XXXX. {$1200.00} Loss * XXXX having to be reordered thru the state of Minnesota {$10.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The Ohio Attorney General submitted correspondence to remove a State Lien from my credit repository accounts as they have been paid and released. The credit reporting agency has yet to successfully comply with this request after several letters from myself with attached documentation and from the Ohio Attorney General which held the lien.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Company: Experian Information Solutions 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:
cra violation error reporting wrong amount owed inaccurate information XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards not mine XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, SD XXXX not mine XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX not mine XXXX XXXX XX/XX/XXXX XX/XX/XXXX Mortgage Reporters not mine none below are mine cra violation XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX, ND XXXX BYMAILONLY XXXX  XX/XX/XXXX XX/XX/XXXX Department And Variety Stores - non specific XXXX XXXX XXXX XXXX XXXX, TN XXXX BYMAILONLY XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX   XXXX XX/XX/XXXX XX/XX/XXXX Tenant Screeners ( Reseller ) XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-02
Company: OneMain Finance Corporation
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is a loan with OneMain Financial account number XXXX I have had poor communication with local office. 
I call they transfer my information to a central location, however I can not get my request resolved. 

The breach of contract is that they have not reported on a monthly bases any of my payments to this binding contract Causing material & causing hardship financial damage over the last 9 months to my credit XXXX  XXXX  & XXXX. In the last nine months they repeatedly month after failed to report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-05
Company: Allied Collection Services, Inc. (Nevada)
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
11 XXXX said that this debit would be fixed when I turned the I phones in that I had when I was a XXXX customer so I have returned all phones back to them and my name is still in collectors phones was returned on XXXX through XXXX shipping I have a shipping receipt XXXX XXXX and all the inquiries on my report I have not applied only one I applied for was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all others I contact the company and they told me they could not do anything for me to contact credit bureaus and I did but all 3 just like to ruin other peoples lives and names just because they have the power to do so I am asking for some help from you guy please because I havent seen anything happen or changed with my problems thanks help please 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 2020-03-03
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have been trying to clean my credit, I signed up for credit alerts with XXXX. A company by the name of XXXX shows up on my credit report. I never got a letter I never got a phone call and turns out this debt is over ten years old. I disputed it through XXXX dispute process and they have sided with this company. According to the FDCPA and FCRA both XXXX   and XXXX  are in violation of the law. I was supposed to be notified and given a chance to dispute this account. No notice was given, not to mention XXXX is not allowed to report anything over 7 years

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I received an email from PayPal that stated I can no longer do business with PayPal due to PayPal 's Acceptable Use Policy. That my PayPal account has been permanently limited and my funds in my PayPal balance is on hold up to 180 days. 

I was in shock and flabbergasted and thought the PayPal email was a phishing scam email. So I logged into my PayPal account to check and my account was terminated and I could not transfer my {$2200.00} funds from my available balance. 

I contacted on XX/XX/2022 PayPal customer service to get my PayPal account re-activated since I gave PayPal the benefit of the doubt that they made a mistake. I have been doing business with PayPal for many years since XXXX and PayPal were together. But to know avail PayPal sent me an email back informing me that my PayPal account will remain permanently limited. 

PayPal unlawfully seized my money without informing me of any prior notice of the reasons behind the account freeze. PayPal gave no information how and when my money will be returned to me. I have not committed any illegal activities using PayPal. I sell online my used personal belongings that are all legal, which customers/buyers for some items paid at checkout using PayPal. PayPal can not seize my legal money that would be theft and an illegal crime punishable by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: WINN LAW GROUP, APC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I was given a Payroll Memorandum from my employer stating they will be garnishing my wages. I was totally blown away had to clue what this was for? I looked at the address from the paper work it 's my sister address. I called the number listed they stated it was served to that address which i never lived there. I use my sister 's address to get packages shipped. The collector states he was awarded to garnish my wage due to me not showing up to court on a debt that was charged off from the cc company in 2012. I filed a dispute with that collector company and they stated you can file but? we are still going to garnish XXXX % from your employer. The paper work says XXXX Sheriff Levy and then says filed in XXXX, Ca. I do n't see how companies can do such a thing? Seems like total fraud a credit card company has charged off on the debt 2012 ... how can they harass and individual and then embarrass me at a new employer? I ca n't sleep and have been XXXX over this. I am barely getting on my feet financially. Please let me know what I can do?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
We sold our home and closed the first mortgage and HELOC with Bank of America on XX/XX/2020. The title company overpaid the HELOC by {$630.00} from our sales proceeds. Bank of America advised me on XX/XX/2020 that I would be receiving a live check for the overpayment in 5-7 business days. 

It is now XX/XX/2020, and XXXX XXXX from Bank of America assured me that my refund check is en route. As of XX/XX/2020, eight ( 8 ) business days since the close, my refund check has not been received. Bank of America is unfairly holding on to my money and has been deceptive with their communications, stating via email and on phone calls that my refund due would be back in hand in 5-7 business days. 

My HELOC was paid monthly and 100 % on time every month. Bank of America automatically withdrew funds to pay the HELOC from our checking account at Bank of America. Instead of refunding the overpayment to the same checking account, Bank of America unilaterally elected to mail a live check. This act appears to be to the benefit of the bank continuing to earn interest on my money and similarly depriving me of access to my funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-11
Company: EQUIFAX, INC.
State: OR
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:
CRA of 15USC ; 1681, SECTION 602A, states I have a right to privacy. Also, it states the credit reporting agencies can not furnish account data without my permission/consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX, I received a text claiming it was from Comenity about a possible fraudulent charge to my credit card account ( I have a XXXX with them ) in the amount of {$97.00}, for XXXX XXXX XXXX. I didn't call the number in the text message because I wasn't sure it was from them ; I called the number on the back of my credit card. I also checked my account online, and didn't see that charge pending. I spoke to a rep, who told me that he could see the amount pending on his end and that he'd reverse the charges and send me a new card so that the current one couldn't be used again. 

On XX/XX/XXXX, I checked my Comenity account online and saw a charge for {$96.00}, with the description XXXX XXXX XXXX XXXX NY. I called again and explained to another rep that I hadn't made that charge ( I haven't charged anything to this card since XX/XX/XXXX, as I'm trying to pay it off ). The rep told me my card had been blocked since XXXX so no more charges could be made ( I assume the {$96.00} was charged around the same time as the other one ). She said she'd lift the {$96.00} charge while the claim was investigated and that it would take up to 90 days to finish the investigation process. 

After that, I went to check my account online, to see if they'd reversed the charges, and due to a technical glitch, I can't log on to check anything. This comes after numerous calls that went to a recorded message that their office was " temporarily closed '' and dealing with their website being down. At this point, since I can't check anything online and I just called, only to be told their office is " temporarily closed '' yet again, I don't know what's going on with my account. 

Prior to their so-called update to their site, I had no issues with fraudulent charges, and suddenly I do, so it seems their " update '' probably coincided with a hack, leaving customers ' data vulnerable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-11
Company: LEXISNEXIS
State: NC
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:
XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' so if that's the case. How did the credit bureaus verify my bankruptcy as 100 % accurate. they never did a fair investigation according to the 15 USC 1681.Lexis Nexis also sent me a letter stating " There is no bankruptcies reporting on my credit report.

15 USC 1681 section 603 ( 3 ) ( E ) states ; The term " investigate consumer report '' means a consumer report or potion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. states I have the right to privacy.

According to : 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.

According to : 15 U.S.C. 1681 s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have a Bank of America Premium Rewards credit card. One of its rewards is the XXXX Incidental Statement Credit which provides an annual statement credit of up to {$100.00} for qualifying transactions, which include purchases of onboard food and beverage on domestic-airline, domestic-originated flights ( see attached terms & conditions ). 

On XX/XX/20 I purchased {$18.00} worth of food aboard a XXXX flight from XXXX. Although this is a qualifying transaction and I did not reach my annual limit, Bank of America XXXX BoA XXXX did not offer a statement credit. I opened case # XXXX with BoA in XXXX and their investigation found that XXXX had used the wrong XXXX code, which made the transaction ineligible. ( The merchant name was XXXX XXXX XXXX, which is clearly incorrect as we were in flight and no food is even offered at the gate. ) BoA has acknowledged that this should have been an eligible transaction but it refuses to remedy this issue with XXXX who is its partner, not mine. A BoA representative even informed me that another customer was in the same exact situation. It is impossible for me to go back to XXXX and find the in-flight merchant to re-process the transaction with the right XXXX code, this is a systems-level programming error. Im requesting that BoA resolve this issue with XXXX and offer me a full {$18.00} statement credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-25
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We purchased a home in XX/XX/XXXX which was financed by United Wholesale Mortgage. I was looking at the Final Buyers Escrow Statement dated XX/XX/XXXX ( from when we purchased the property ) and noticed that they had charged me {$150.00} in escrow for 3 months of Homeowners Insurance that I neither requested nor needed since I already had insurance from XXXX set up ( it was listed on the purchase escrow papers ). I also noticed that they charged me {$550.00} from my mortgage escrow balance on XX/XX/XXXX for hazard insurance. Again, I did not ask for this insurance, need it, or know that I ever had it. I have never received anything from whatever insurance company they set up for me, which is why I never realized that I was being charged for it. It was all done behind my back. 

I sent United Wholesale Mortgage the Final Buyers Statement from my escrow papers and the declaration page from my XXXX policy showing that I had coverage at both times. I have called, mailed, e-mailed, and faxed the company repeatedly without getting any response.

Company response to consumer: Closed with explanation