BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Under public records, I have a case filed with XXXX COUNTY REGISTER OF Docket # XXXX XXXX XXXX XXXX # XXXX XXXX, MI XXXX ( XXXX ) XXXX And it was filed on XXXX/XXXX/XXXX and it was resolved out of court and paid on XXXX/XXXX/XXXX. My problem is that they refuse to remove this information after it has been over 7 years. and statute of limitation for Michigan is between 6 or 7 years. And TransUnion want to keep it on record till XXXX. It has been removed from the other XXXX credit bureau. I really want this to be corrected asap. 
Thank you, 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 2016-06-10
Company: Google Compare Credit Cards Inc.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
This is new information regarding complaint XXXX, XXXX and XXXX. FCC has complaint XXXX, all complaints need to be reviewed due to all responses being conflicting. Google requested i contact them. the last email refereed me to the merchants instead of the bank like usual. I would like the back up from the first complaint attached to this complaint. I also have complaints against XXXX XXXX XXXX, and XXXX all companies have done this and continue to do this at the same time. This is past frustrating! Please help me! 

Google asked me to Repsond to a specific email in their response said I did not respond to it please below find the false statements given by Google for these transactions. I have never received back up to actually show what was ran through the account. By Google responding like they have it shows they are not investigating what was done. I have shown that numerous times. Google is who benifited the monies taken from my account that is not a guess the merchants stated that in writing. It was their charge they bought the app rights and they received monies yet Google wants to confuse this more my sending me to who they listed to contact knowing fully that the merchants do not have the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-19
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I had XXXX late payment back in XXXX to Target. Since then, every month when I make my on time payment they hold that payment for 2 weeks before it is applied to my account. I have called and spoken to the Manager to no avail. She says that is their policy when you have a late payment. I do not agree with this because the payment has already been deducted from my checking account. They will not take my word for it unless we have a conference call to my bank to verify this which is a long process. This is XXXX and I made my payment and was told the same thing again. Someone needs to change their policy regarding this. Maybe you can do something. I only had that XXXX late payment and only late by one day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Our account was accessed through a fraudulent take over. We called the bank to notify them and the fraudsters had transferred money from my husband and I combined account to just my husbands account since they are linked. BOA stopped them from removing the almost XXXX from just my husbands account. This happened in late XXXX or XXXX, and we still have not seen our reimbursement of our money. We have called, visited branches numerous times. They said the investigation could take up to XXXX. Our money is not released to us as they said it would be. Its been over 6 months, and we are still waiting to get the money back. They keep transferring us and no one can help. Its impossible to get someone who wants to take ownership of the issue at hand. We also keep getting overdrawn notices when our account is frozen.

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 2022-10-17
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
NaviRefi I inquired today about applying an extra lump sum payment all to principal, what I needed to do, include, and how to send that in writing ( as previously believed this was always the process that had to be taken in order to have money applied as I wished ). The account is up to date and in auto pay. I asked via the online chat and his response was that I couldn't ever do this. That interest accrues every minute and that I will always owe interest therefore any payment would always apply to the interest first. I brought up specifically my account, being in auto pay and up to date- he still said that I could never have all the payment go to principal. Then looking back at my XX/XX/2022 lump sum payment to them of {$1000.00}, they did indeed apply the first {$300.00} to interest rather than to my principal. The payment is due on the 11th, that is when my auto pay pulls & I made that lump sum payment on the 11th as well. So I'm not understanding how my account would have accrued that much interest on the same day the payment was due and made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: EQUIFAX, INC.
State: NJ
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:
Good day, On XX/XX/2020 I and my wife sent in disputes concerning incorrect and unverifiable information we discovered within our credit reports. Our disputes were sent to XXXX, XXXX ; XXXX, and Equifax Information Services, LLC, requesting these companies to investigate the accuracy and validated right to report the said information that seemed unverifiable. FCRA section 609 ( a ) ( 1-5 ). After not receiving a response within thirty ( 30 ) days, I sent a demand letter to XXXX, XXXX, XXXX  and, Equifax Information Services, LLC where no response was forthcoming ; the demand letter was created on XX/XX/2020. Given none of the credit unions responded within the time provided I sent correspondence informing them of their duty owed under the law. FCRA 611 section ( 5 ) ( A ) ( i ). Where the credit reporting agencies are not in compliance with my rights and their obligations under the Fair Credit Reporting Act, I can challenge their right to report all incorrect and unverified accounts and information on my credit report. Any investigation instituted must comply with the FCRA, as there is no proof of a response or of verifiable, original creditor documentation, there is no verification. 611 section ( a ) ( 1 ) ( A ). I demand removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
This company is still reporting a account on my file after i been notified that i have been a victim of identity theft and that i have all the necessary paperwork filed and police reports to support my claim. I 'm in the process of getting a mortgage and this account is hurting me and it is being listed as bankruptcy. I also have a fraudulent bankruptcy filing that I 'm working with the courts and the government to get that issue rectified. I have been dealing with this issue for years now with all my personal information being stolen such as social security number, address, DOB, phone numbers opened under my name and bank accounts opened under my name. I request this company remove my name and social from this account immediately and mark it as fraud so if i choose to do business with this company in the future this issue wo n't stop me. I have attached my police reports and FTC fraud identity theft affidavit which has a letter from the government showing that my identity was stolen in a cyber hack also.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Foris DAX, Inc.
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Using a crypto wallet called XXXX ( based on Crypto.com ) I purchased XXXX dollars of XXXX and was attempting to send it to another wallet, after it said it successfully processed my transaction I attempted to deposit it into the wallet which failed multiple times, I have attempted to contact support multiple times and they will not contact me back. 

Its been several days of attempts with no luck, I have not gotten any emails or chat replies back from support and have no way of knowing how else to contact them. 

Date of transfer XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Ability Recovery Services, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Collection appeared on my report out of no where for the first time, with no original date of debt from original creditor, after investigating myself, I found out this is an debt from XX/XX/XXXX which is almost XXXX years ago which make it illegal to collect or send to a collection agency. I had no clue about this debt until XX/XX/XXXX, I also had medicaid during the time this was even a factor.. XX/XX/XXXX the state of XXXX law has changed to stop reporting or collecting medical debts that are 3 years old this is why i feel as if this medical debt magically appeared out of no where! I will like a cease and desist & this to be removed from my credit as it exhibits me from progressing in personal affair.. I would also like for it to be no longer reporting especially when law goes into effect XX/XX/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 2016-12-14
Company: Financial Credit Service, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
On XXXX XXXX, 2016, I received a voicemail from a number that showed as, " Unknown, '' on my caller ID. The voicemail was from a lady who said she was with XXXX XXXX XXXX XXXX and that she found my information in the federal database ( she had my full name and date of birth ) and that I was a co-defendant in a case with someone ( whom I have no connection to ... have never known the person ) and to call litigation services immediately. When I called the number I gave them the reference number and asked the name of their company. They said it was ARA, and that they were a company in XXXX, Virginia, and when I asked what that stood for they said nothing. They then told me that it was mediation services. They never told me that they were a debt collector but I received a call about the same person from a debt collector about a year ago that then removed my information. I was then transferred to another person who was, " handling the file, '' and that person told me the same thing about the company name. I then asked them what court my supposed case was in and the case number. The lady told me that she could n't give me that information. When I demanded it, as I was a supposed co-defendant in this case, she said that I did n't need to appear in court if I did n't know the person that they had called about. ( I searched through the XXXX XXXX court dockets and could n't find any such case with either person 's names ) I then asked for the company 's mailing address and she gave me a false address. I then asked her to remove my information from the file and she said she would not remove my information because I was a co-defendant.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card
Issue: Late fee

Complaint:
Hello I 'm hoping someone can help me I have an account with care credit since XXXX 2012 I want to pay off my balance but the interest fees and the interest rates and the late fees are just to outrageous I will never be able to finish paying this off is there any recourse for me? I believe I was mislead by the people at the dentist office I really want to resolve this Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-04
Company: AES/PHEAA
State: NY
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, AND XXXX ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-04
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I receive XXXX income and denied credit everywhere I can enter a contract and am XXXX XXXX registered

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: CITIBANK, N.A.
State: SC
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I am adding and update to case # XXXX. My mother received in the mail a notice that since she had stopped payment on the $ XXXX+ check presented to XXXX XXXX and that they were now charging her a late charge of {$25.00}. Obviously, the fraud investigation unit has not informed any other dept of what they are doing. She gets very upset trying to talk to them, and they will not talk to me, so I told her to her to pay any legitimate charges on the card, and not pay the disputed amt. I also would like you to feel free to publish the issues of this complaint to others, as I feel this is not an isolated incident. Would like to know if this has or is happening to others.

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 2021-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX, Transunion and XXXX  have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter. AND THEY WONT RESOLVE THIS ISSUE.

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 2021-01-04
Company: Experian Information Solutions Inc.
State: NY
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:
EXPERIAN, XXXX, AND XXXX ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS.

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 2022-11-05
Company: GOLDMAN SACHS BANK USA
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:
My Apple Card account serviced by Goldman Sachs refuses to update and report my account balance accurately to the three credit bureaus, XXXX, XXXX and XXXX. I have paid my balance in full on all of my credit accounts because I am trying to purchase my first home. I have contacted Goldman Sachs numerous times to ask them to report my XXXX  balance in order to raise my credit score. They last reported my balance information to the bureaus in XX/XX/2022. At that time my balance was {$4000.00}. On XX/XX/2022 I paid my balance entirely leaving a balance of {$0.00} which they did not report in XXXX. As of XX/XX/2022, my balance is {$0.00}. On the 3 occasions I have contacted them they have given me the runaround and provided conflicting and confusing information. I want them to act in good faith with their customers as I have acted in good faith and adhered to the terms of my credit card agreement as a customer in good standing who has always paid my bills on time with them during the three years I have been a cardholder. I have informed them their inaccurate and untimely reporting has negatively impacted my ability to purchase my first home and obtain the best possible loan terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: United Shore Financial Services, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My Mortgage is financed and serviced by United Wholesale Mortgage ( UWM ), NMLS # XXXX. I have been trying to set up biweekly autopayment for paying mortgage since the XX/XX/2022. Customer service of UWM assured that my biweekly payment mortgage has been set. I was under the impression that this will happen so I did not check whether it's happening. This ended up in me missing two month mortgage payment because UWM negligence, which was not notified to me. However, UWM sent this to debt collector without notifying me. I paid the missing payments as soon as I found the issue of UWM failed to set up biweekly drafting. I have called UWM multiple times since XX/XX/XXXX. Every time I call I get assurance from that UWM representatives have addressed the issue and give a next draft date. However I don't see that It's Happening at all. UWM so far has been doing this merry go round each time I call them. I called customer service today ( XXXX @ XXXX ) I don't see the resolution happening yet. Now I have come to the conclusion that UWM is deliberately discriminating because of my ethnicity so that I can not avail the benefit of Bi-Weekly payment. I came to this conclusion that the UMW is discriminating because of my ethnicity even though I am paying mortgage on time, each time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Amsher Collection Services, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
When reviewing my credit report online, I noticed an account that was in collection status under the name Ashmer Collection Services. I had no idea as to who, why, what, where or when this account was established. I received absolutely no written statement from XXXX or XXXX XXXX XXXX - XXXX, regarding this collections account. I called XXXX XXXX XXXX XXXX original debtor ) who which told me that they did not have me in their system at all for owing any type of debt. So I did what all 3 Reporting bureaus advise, that is to call the collection agency. ASHMER COLLECTIONS agency had no recollection of the debt, nor did it have my name or any personal identification information related to me whatsoever. Only after giving ASHMER COLLECTIONS agency, my name did I receive ( one week later ) receive a notice of debt in the mail, that was not from XXXX XXXX XXXX, as stated on ALL 3 Credit Reporting Agencies, but from XXXX XXXX XXXX XXXX  XXXX XXXX. I have attempted to dispute the debt time and time again with all three reporting agencies only for it to be removed, then again placed back on my credit report. This is the one and only collection debt on my account and its hurting me and my reputation severely. I want these companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to remove all of my information from all CREDIT Bureau agencies AND THEIR systems IMMEDIATELY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26
Company: Paypal Holdings, Inc
State: NJ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Paypal resists providing credit for items ordered but not received. I ordered a particular XXXX XXXX but did not receive it ; instead another kind that I did not order was sent to me. This was an internet sale and the seller did not provide an address or telephone number. It is not clear where the business ( XXXX XXXX and XXXX ) is located. Possibly, it is not in the U.S. The only way to contact the seller was through email ( XXXXXXXXXXXX ) but they did not respond to the email I sent about this. Thus, I had to get the refund from Paypal itself. Paypal subjects people to very long wait times. After you reach the first person, you are transferred to their " dispute '' section. However, in fact, you are simply transferred to a bunch of recorded garbage, most of which tries to get you to use their website. 

I had to wait another 5 minutes to get the dispute department. When someone answered the phone with a heavy foreign accent that made it difficult to understand what was being said, I gathered that they would contact the secret seller that ensures that its customers can not contact them directly. I reiterated my request that I be refunded the amount of the product, a small tree, for {$21.00} plus half of the shipping cost, {$6.00}, for a total of {$28.00}. It is not clear if or when the credit will be granted. 

The receipt number that Paypal emailed to me on XXXX XXXX 2016 was XXXX. It is now over a month since I was charged for something I never received.

Company response to consumer: Closed with monetary relief