BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-11
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX ordered furniture from Ashley home store in XXXX XXXX store in XX/XX/2020 - we receive approximately XXXX or more delivered dates - which all have been cancelled by Ashley, and now i beening told it may be delivered in XX/XX/2020 - i have no confidence this will occur - I have no couch to sit on and they want me to pay 10 % for no service, cancellation fee, Ashley furniture failed to fulifill their end of the contract, I able a student at XXXX and unable to enjoy apartment with no living room furniture and guest from out of town and they want me to continue to believe they will delivered, this is not reasonable to ask a person to have no furniture and continue to wait months and months and pay a 10 % fee for cancellation for nothing, I would like to cancel this contract with no penalty and to find a furniture store that can delivered within a reasonable time frame, I have waited on the phone for corporate for hours and no answer - this is poor business practice and I would not recommend this store to anyone, I am a student with dealing with this current panademic, this corparation is taking advantage of the situation and consumers. XXXX XXXX XXXX XXXX or XXXX XXXX email 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 2016-04-05
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
My account is being handled by XXXX XXXX XXXX XXXX and is being reported as over 90 days late. Trying to have reported as current and willing to pay to bring under 90 days and receive proof via fax by Barcley Bank is not being done, transfered and given differant information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
LVNV funding has been illegally reporting a debt as a new collection on a monthly basis to credit bureaus. Amount attempting to be recovered is grossly incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15
Company: Real Time Group, Inc.
State: MI
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage was foreclosed on in XX/XX/XXXX. Real Time Resolutions purchased it after. I have been trying to have this entry removed form my report and disputed in in XXXX, XXXX, and XXXX. Real time response was that it would be corrected and removed by XX/XX/XXXX. To date, it has not When I tried to disputed it again, since they have NOT been at all truthful and lawful since this ordeal began. Their response is that the dispute has been settled. IT HAS NOT. I am requesting to have t his entry taken off off all of my reports immediately. I consulted an attorney and he indicted that because they Realtime is doing this as they ca n't legally come after me. This is XXXX way to keep my credit report flawed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XX/XX/22 - Venmo request to upload ID, along with Bank Statement. 
XX/XX/22 - Email from Venmo ( Below ) XXXX XXXX, Thank you for contacting us. 

Your account has been frozen because we need to verify that you are the owner of this account. To help us with this verification, please use our Document Upload Form, linked below, to send in the following : A picture ( not a photocopy ) of your unexpired US government-issued photo ID that shows your legal name ( we can accept your driver 's license, state ID card, passport, or green card ) A recent monthly statement for the CARD ending in XXXX. 

You can find our Document Upload Form here : https : //help.venmo.com/hc/en-us/requests/new? XXXX & XXXX & XXXX ( If you have trouble following this link, try copying it and pasting it into your browser. ) We need to see your ID in full, but feel free to cover any sensitive information on your other documents before you send them to us. We only need to see the last four digits of the account number, the date, and your full name.

If you do not have a statement for your debit card, the bank statement is plenty. Simply leave the last 4 digits of your debit card number visible in the transaction section of the statement. 

For your privacy and security, please do not reply back to this email with your documents. Once you submit your information through the above link, we will review your case and reply with more information regarding your account. 

We appreciate your cooperation and look forward to hearing back from you. 

Regards, Account XXXX XX/XX/22 - Uploaded ID, along with Bank Statement. 

XX/XX/22 - Venmo account frozen, permanently deactivated, {$2000.00} in funds frozen for 180 days. 

XX/XX/22 - Emails sent demanding funds immediately released to bank account. 

Hi XXXX, Thank you for sending us your ID! My name is XXXX, I'm an Account Specialist here at Venmo and your case has been escalated to me. 

While we encourage the use of Venmo, we must ensure all users abide by our User Agreement. After reviewing your inquiries and account activity, we have found that your actions and activity have been in violation of this agreement. 

As a result, your account has been permanently deactivated and we regret to inform you that we can no longer offer you the Venmo service. We do not make these decisions lightly, and when we do, it is to help improve the safety of the Venmo community. 

The funds in your account will be held for up to 180 days for loss prevention purposes. We will contact you at the email address on file with your Venmo account should these funds be available for transfer in the future. 

If you have questions regarding this decision, please note that we do not divulge our decision-making criteria in order to protect the systems that monitor activity on Venmo. 
Best, XXXX XXXX XXXX Venmo

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I found inaccurate fraudulently information on my credit report. A hard inquiry at that from XXXX XXXX XXXX XXXX dated XX/XX/2022. I contacted this company transunion about it. Spoke with several agents who denied of inquiry being fraudulent or unauthorized. Stating its a statement of fact. Which is clearly untrue when they're consumers daily getting their information hacked and fraudulently used. I have also contacted XXXX XXXX of this. And stated my frustration. i was also told to send my information such as ss number, date of birth, name, phone number through the mail in order for transunion to dispute it which i declined. Why would i send my personal information VIA MAIL TO ANYONE. i dont even trust the employees who work for the credit bureau because they could be frauds..and secondly, i know every company has a fax so why is mail the only option in order for them to help.

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 2023-01-21
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo refused to work with us. Husband had XXXX XXXX we got behind d on payments. Ended up losing our home after being there 10 years. Forced us to do short sale. On top of all the hassle they put us threw our realtors group bought the house a d using for a rental. We lost a lot of money because of wells fargo.XXXX.. please help.. 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 2022-01-28
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:
I recently reviewed a copy of my credit report and noticed several in accuracies. Under the FCRA section 623 everything on the credit report must be 100 % accurate, verifiable and complete. I have made several attempts to correct this error but with no avail. First, the balance showing on my credit report for XXXX XXXX XXXX is {$41000.00}, The amount showing as the original loan amount is {$6000.00}. The account also shows it was open XX/XX/2015 but there is a payment showing XXXX XX/XX/2015. There are several missing payments throughout the term of the agreement, based on the information I have giving you is a fact that this information is incorrect and the Credit bureaus and Creditor has stated this information is accurate. This is a clear violation under the FCRA guidelines and Experian has violated my rates by not verifying the information as required.

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 2016-06-02
Company: R.A.Rogers, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have asked RA Rogers Inc to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: Experian Information Solutions Inc.
State: VA
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:
I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.

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 2022-01-28
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 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 a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 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, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2022-01-28
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The KIAMOTORS XXXX account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 

KIAMOTORS 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 2020-05-19
Company: EQUIFAX, INC.
State: AZ
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 would like the inaccurate accounts on my credit report to be investigated as they do not appear to be mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: Keystone Credit Services LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The original debt took place on XX/XX/XXXX  ( that was the date of the last invoice that I never did receive ) The last amount owed on  XX/XX/XXXX  was {$880.00} From XX/XX/XXXX  to  XX/XX/XXXX , I received no communication with original debtor on amount owed. After almost six years I had the {$880.00} amount show up on my credit tracker as a debt in collections, by a second party, original creditor sent to collections to Keystone Collection Agency. I tried disputing the charge on  XXXX  but with no luck. Now one year after it being on my credit I received a letter stating that " for complete credit removal '' pay the amount above. The amount disclosed in the letter I received today  XX/XX/XXXX  is for {$1700.00}. In my original agreement with the first creditor does state that " Accounts over 60 days past due will be charged finance fees of 18 % per year ''. Well since he took over five years to even send a bill, the first 18 % interest charge would be due now. However, {$880.00} x 18 % = {$150.00}. I am very confused to where the difference of {$700.00} comes in. That is a very large amount of money to try and get payment for with no source of to why it is owed. I am attaching my original debtors invoice, along with the letter I received today.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/20, I spoke with XXXX XXXX XXXX from Rocket Mortgage via phone call. He explained that I needed an appraisal in order to proceed with the mortgage application. I told him that other companies do not require an appraisal. He insisted that in order to continue with the appraisal that I must pay him {$500.00}, at which time, I gave him my debit card information and paid for it. I proceeded to call various mortgage companies and found out that over 50 % did not require an appraisal. I decided not to continue with Rocket Mortgage and go with a different company. I received a phone call from the appraiser from Rocket Mortgage. I informed him that I no longer needed an appraisal because I was no longer continuing with the loan. I called XXXX XXXX XXXX from Rocket Mortgage and informed him that I was no longer proceeding with the loan. I also requested a {$500.00} refund for the appraisal that was never done. He tried to persuade me to continue with the loan. When he realized that he was unable to persuade me, he hung up. On XX/XX/20, I received an email stating that the appraisal was done and we can continue with the loan. I immediately responded and explained that it is impossible that an appraisal was done on my home because I live in a gated community and I never gave the appraiser access to enter the community. I have attached the appraisal report in question. Note that the report was obviously completed without entering the community. In this report there are no pictures of my home. The only pictures provided were of the community entrance and of other homes listed for sale nearby. I have tried to resolve this issue with Rocket Mortgage. I have sent 3 emails explaining the situation and requesting a {$500.00} refund with no reply.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-28
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The CAINE & WEINER XXXX account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 

CAINE & WEINER XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The PORTFOLIO RECOV ASSOC XXXX account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 

PORTFOLIO RECOV ASSOC XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-11
Company: Specialized Loan Servicing Holdings LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage servicing company, XXXX XXXX XXXX, is supposed to pay my homeowner 's insurance out of my payment.  Last XXXX, I received a notification out of the blue from my homeowner 's insurance saying that it hadn't been paid. When I called to find out more, it turned out that it hadn't been paid for ONE FULL YEAR. When I logged on to XXXX XXXX XXXX XXXX website, it listed my insurance provider as "  homeowner 's insurance ''. When I called XXXX, the operator said that there was a notation on my account from the previous year saying that the check they sent had been returned. That was the last notation on the account, with no follow-up. The next time I called, they had a completely different story, saying that they had paid my insurance company and couldn't explain why I had no insurance. Despite my account clearly showing that they knew I was uninsured, they never apologized or admitted wrongdoing. At the time I was too busy trying to secure new insurance coverage, but I did lodge a complaint with the XXXX XXXX XXXX so that there would be a record of this behavior.

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 2020-01-08
Company: Lending Club Corp
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I have 2 voicemails on my personal cell phone and one voice  message on my work phone on XX/XX/2019. On my personal and work voice mail he stated that the call was a legal notification of a petition for a civil judgement in the petition for garnishment of wages filed in his office against me. That he was an advocate for me and that I needed to reach quickly if I wanted any sort of assistance from them prior to the judgement filing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The CREDIT COLL XXXX account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 


CREDIT COLL XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation