BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-22
Company: TD BANK US HOLDING COMPANY
State: NC
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:
I have a XXXX for the year 2015. The balance on my credit report should be {$0.00}. The debt cancelled on the XXXX shows {$10000.00} on my credit report it 's almost {$14000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
SPEZIALIZED LOAN SERVICE REFUSE TO PAY OVERPAY IN ESCROW From XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX To specialized loan service. Loan number XXXX Date XX/XX/XXXX Dear ladies and gentle man, Copy to all government. 

Urgent request, based on fraud and lies, please revoke their Mortgage license and stop their business. Make SLS pay the overpayment of escrow monies {$2500.00}. This is confirmed by Specialized loan service in writing. 
Make them pay {$10000.00} in fines to Mr XXXX XXXX XXXX XXXX, Make them pay interest and collection monies, like SLS enjoy doing We sold our Home XX/XX/XXXX. Today XX/XX/XXXX, we still did not receive a penny from SLS. We called many many times, we wrote letters, we spoke with SLS people who promised to wire the funds, we went to XXXX we went to local government. We received SLS mail, standard letter, specialized Loan Servicing has received your letter regarding the above referenced loan. Your case is currently under review. We realize the urgency and blab la bla.. Standard letter. XXXX XXXX XXXX XXXX and others. 
Today, still no money. 
SLS is in default on different occasions. There is NO dispute, The overpay is confirmed, They just have to pay, 20 days after closing. XX/XX/XXXX today XX/XX/XXXX. 
Please make them pay, including everything as asked for Yours sincerely XXXX XXXX XXXX XXXX XXXX Via XXXX XXXX XXXX Fl. XXXX Cell XXXX XXXX Thank you XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit reporting agencies are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

I requested verification of account with this credit reporting agency on in writing on multiple occasions. These requests were sent by certified mail ( I have attached the receipts with tracking information ) on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Despite 4 written requests over the span of a year, the unverified items are still listed on the report and the reporting agency has gone so far to claim the items are verified without garnishing physical verification of the original signed consumer contract, or any verification documents at all for that matter. This credit reporting agency has had over a year to produce the documents that they are legally required to provide to me. 

If this agency does not have a copy of original documentation ( a contract with my signature on it ) as required under Sections 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Further more, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 

This organization has violated 3 different sections of the Fair Credit Reporting Act, and has had over a year to produce these documents. They clearly are not in possession of any proof of the validity of these documents and continue to present this false information to my credits. 

This is illegal and defamatory. This credit reporting agency is INTENTIONALLY violating the law. Opening a dispute with the CFPB is my last hope/resort before being forced to file a lawsuit.

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 2021-04-22
Company: Randolph, Boyd, Cherry and Vaughan
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I have received three to fouXXXX suits/judgements to garnish my wages despite the collection company validating the alleged debt. I have asked via affidavit for the collection company to verify/validate the debit. From my understanding, an uncontested affidavit stands as law. However, they have refused to respond via affidavit and have continued to pursue legal action to garnish my wages without proper verification/validation. I have recently received a judgement/summons where they have initiated garnishment action yet again after the last two orders were removed. There is also a collection company reporting derogatory information to the credit bureaus under a completely different name XXXX XXXX XXXX XXXX XXXX for this same account with a different amount showing as owed. 

The current debt collector/company that has sued or taken legal action against me is a law firm/attorney. A debt collector can not be an attorney. Due to this, this is a violation of 15 USC 1692e. ( 3 ). 

The most recent garnish summons ( attached ) shows the following : Statement : {$2800.00} ( Judgement principal ) {$2800.00} ( Credits ) {$230.00} ( Interest ) {$59.00} ( Judgement costs ) {$710.00} ( Attorney 's fees ) {$210.00} ( Garnishment costs ) Total balance due : {$1300.00} ( Garnishee shall rely on this amount ) This is a violation of 15 USC 1692f A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this sections : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Chase closed my account on XX/XX/XXXX after my payroll check was deposited. I was told my account was closed for an unknown reason and that my money would be released to me in a cashier 's check in 10 days. I have been calling weekly and being told lies each week. Still no check. I was told last week that the check was printed on the XXXX of XXXX and would be mailed on the XXXX of XXXX. Today, XX/XX/XXXX, I was told that the check has not been printed and Chase doesn't know when it will be printed. I have not bounced a check or ever done anything for Chase to cancel my account, but surely they should give me my money. It's my direct deposit payroll check.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: EQUIFAX, INC.
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:
I have reached out to the bureau and asked them to remove inquiries that doesn't belong to me. Here they are : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: HW Holding, Inc
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Recieved a notice about a debt that does not belong to me in the mail, stating that I should respond by XXXX for the amount of {$8200.00} from a XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: Capio Partners, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The Company Is continuing to report the debt to my credit report after the debt was paid and they agreed to remove it from the report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-17
Company: Conduent Incorporated
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On   XXXX   XXXX   my wallet got stolen out of my wallet on camera at  a Restaurant in    XXXX   XXXX  California. When I couldnt pay my bill cuz I had no wallet I immediately shut off all my cards and called the police as the bartender went into the back to review the security footage as she had remembered a suspicious man sitting next to me.. Police Report was filed , officer   XXXX   XXXX   XXXX   (   XXXX   XXXX   XXXX  ) .On   XXXX   XXXX   the day after I turned off My prepaid California Child support  card wit h EPPICARD they allowed {$5400.00} in transactions to go through. When I realized this happened I immediately disputed the transactions as  Fraudulent  on   XXXX   XXXX  . Based on the disclosures and notices on EPPICARD i was to have been notified within  10 busi ness days if an error had occurred. I called EPPICARD on   XXXX   XXXX   to question what was going on with the investigation and was told I needed to mail a incident report that they had not yet sent me, SO I create d one, includ ed the police report etc and faxed and mailed a copy to EPPICARD and still today  18 business days after I reported the Fraud,28 B usiness days after I reported the card stolen I have still not heard anything from EPPICARD  XXXX  nor have they contacted the  officer in my case and they are still holding my money hostage ... and to add insult to the injury when I called again this am to follow up, was told they co uld hold my money " while they investigate '' for up to 90 days ... ...??!!!!??!!! Not only did their system not see that the transactions in question were completely out of character with how I use this child support card and not flag it and turn it off like ALL my other cards did but they have made no attempt in all this time to contact me nor assist me with resolving this situation. This EPPICARD prepaid  MC ser ves states who issue child support to mothers across the country who need their child support to live and feed their children and this is absolutely unacceptable handling issues that these special cardholders have.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: RI
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 XXXX Account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2. Also states a consumer reporting agency can not furnish an account without my written instructions or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan servicing company gave me a payoff ( see attachment XXXX XXXX for XXXX, XXXX, XXXX with the projected payoff date of XX/XX/XXXX in the amount off {$800.00}. This is total amount of interest, {$12.00}, fees of {$720.00} XXXX break-down {$210.00} in XXXX XXXX, {$490.00} in XXXX, {$6.00} XXXX pres ), $ XXXX. and release fee of {$68.00} totaling {$800.00} which I paid please see attachment bank statement showing the withdrawal from my bank on XXXX XXXX in the amount of {$800.00} I have made repeated attempts to pay off my home, after making the above requested payoff I find addition fees with now having a additional payoff amount ( see attachment ) being {$240.00} with the principal balance {$0.00} interest {$0.00} fees {$170.00}, release fee {$68.00} ( the math is wrong ) ( see attached payoff dated XXXX XXXX ) I then call to inquire why, never really getting a satisfying response I paid the {$0.00} for the principal balance with the customer service by XXXX ACH PMT of {$1.00} then was later reversed leaving me with a principal balance off {$0.00}, but I also had my bank pay {$1.00} please see attachment, but I still have a principal balance of {$0.00}. 

These fees are fraudulent, and unsubstantiated after repeated requested to provide proof of fees, I was never provided proof and was told they didn't have too, and XXXX time I was told the fees included a abandoned property fee XXXX, {$250.00} paid to the city of XXXX, after talking to the city and proving that never happen it was then change to winterization fee, also never happen. The XXXX inspection report dated XX/XX/XXXX shows a fee of onl {$18.00} inspection, the inspector states it was only a visual inspection with no walk-thur completed and signs of rehab, I had a house fire XX/XX/XXXX and my Mortgage company took advantage of me then and continue to do so. I paid these fraudulent fees and still after paying new ones come right back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: ALLY FINANCIAL INC.
State: TN
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:
today XX/XX/2022 i recieved a letter in the mail from Ally Bank in regards to a NOTICE OF REPORT OF NEGATIVE CREDIT INFORMATION, about Account number XXXX, Ally Bank is in violation of 15 USC 1681, and 15 USC 1682.

a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Ally Bank does not have the right, or my permission to report to the credit bureaus and has again caused me harm and owe me damages

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 2022-01-22
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedback about this concern. Please investigate and remove it from my personal credit file. Thank you. 

CREDIT COLL ( Original creditor : XXXX ) XXXX Balance {$93.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: PNC Bank N.A.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have never been late on my loan. PNC keep calling me telling me I missed a payment in XXXX of last year. I sent them all the documents proving that the payment was paid. This has been going on since XXXX. I have talked to 10 people they have everything they asked for and nothing has been done.I get called every week saying I'm late on my loan. They have reported me to the credit bureaus my credit score dropped XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Synchrony Bank is reporting a charge off, monthly, to all credit reporting agency 's ( XXXX, XXXX and XXXX ) This lowers my credit score every month and is hurting my ability to obtain a loan. The account was disputed and Synchrony Bank charged off the account. There is no other reason to report the account monthly to my credit report without a balance owed. This is just an unethical way that Synchrony Bank is doing to hurt my credit score. I have disputed this account in court and Synchrony Bank has not responded to the case in over a year. I called Synchrony Bank Spoke to XXXX XXXX and advised her of the problem and she could not do anything to help 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 2022-01-22
Company: Experian Information Solutions 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, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-12-31
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To whom it may concern, I look my credit report and I found fraudulent account that I did not open. This has been very stressful for me. I am trying to get this item of my credit report asap .Thank you.

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 2018-12-03
Company: SLM CORPORATION
State: OH
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:
On XX/XX/2018 I called XXXX XXXX for XX/XX/2018 payoff amounts on 3 loans ; 1-XXXX -- -- -- amount given {$7000.00} Chk # XXXX issued 2XXXX -- -- -- amount given {$10000.00} Chk # XXXX issued 3-XXXX -- -- -- -- amount given {$27000.00} Chk # XXXX issued On XX/XX/XXXX, three BANK checks were sent REGISTERED MAIL : to XXXX XXXX Co Signer Payoff XXXX XXXX XXXX XXXX, PA XXXX Those checks were received on XX/XX/2018 at XXXX XXXX Since then I have called the XXXX 11 times to check on those loan payoff being processed. By XX/XX/XXXX I began asking for a supervisor. On the XXXX I was told there were being processed. Since then I have been told that the imaging on the checks was not accepted & yet Chk # XXXX has processed through XXXX XXXX XXXX Wednesday XX/XX/18. I talked today with Supervisor XXXX # XXXX was to Call me back in XXXX to XXXX min XXXX XXXX XXXX. He was to check with the XXXX department. That has not happened ( XXXX ). XXXX XXXX called back. He said they have cancelled the 2 checks will not process them. Their bank XXXX XXXX will not process them. My bank will not reissue checks unless the others are returned. He informed me if it is the BANK 'S image fault I AM LIABLE FOR EXTRA INTEREST & FEES My question is how can 1 bank check for the MOST money process & the others not. Dealing with XXXX XXXX has been extremely Frustrating when just trying to pay off loans that constantly increase in interest. Since the loans originated my grandson still owes only {$1500.00} less & that was 4 years ago.

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 monetary relief
Consumer complaint received 2021-11-26
Company: Blackhawk Network Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
My card shows that funds do not expire. However, I have been charged a $ XXXX Post-Expiration Monthly Account Management Fee since the expiration date on the card until the funds have been completely depleted. THe company that held the funds for this card is XXXX

Company response to consumer: Closed with monetary relief