BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Not my accounts XXXX XXXXXXXX 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 2019-02-16
Company: M.A.R.S., Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Me and my roommate XXXX XXXX moved into the apartment which at that point was called XXXX XXXX XXXX. On or about XX/XX/2014. It is now called XXXX XXXX. So I check my credit a couple of years ago and it is on my report {$1300.00}. I have disputed this matter a couple of times. I filed a complaint through y'all just two or three days ago. Yesterday I called Mars Inc which is the collection agency. The representatives name was XXXX. She told me I was the leaseholder and XXXX XXXX was the occupant. This is a complete and total lie due to the fact my credit was not up to par to be able to sign the lease. I still live with XXXX XXXX and yesterday he got on the phone with XXXX and told her he was the one who signed the lease and I was occupant. She then says " okay so you want to take care of this dedt for her ''.? She was very rude and when he asked can she produce the lease she says once again so you want to pay the debt for her. Never gave him a yes or no answer that she can produce lease. This is the worst un professional agency I have ever dealt with in my entire life. It would be one thing if I was the sole lease holder responsible but I am not in this case and my credit as I said before was not good enough to be a leaseholder. Please please help me with this lying manipulative fraudulent company Mars Inc sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: SYNCHRONY FINANCIAL
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:
There appears to be several actions of fraud on my credit history report over the last couple months. The specific actions that are incorrect and fraudulent include : XX/XX/XXXX : New Inquiry SYNCB/BANANA REPUBLIC XX/XX/XXXX XXXX New Account ( opened as of XX/XX/XXXX with an initial balance of {$780.00} ) SYNCB/BANANA REPUBLIC XX/XX/XXXX : New Address Updated address to : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX : New Inquiry XXXX None of these actions were taken by myself and all are fraudulent. My credit score has since dropped by XXXX points from XXXX as of XX/XX/XXXX to XXXX as of 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 non-monetary relief
Consumer complaint received 2015-06-24
Company: Creekside Recovery And Capital Management
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
They called my wife and gave her a phone number and a case number and told her that they were attempting to serve me at home but I was not there. When I called them to find out what the debt was I realized it was an old time-barred debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: Resurgent Capital Services L.P.
State: WI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Hello, I am currently in bankruptcy a repayment plan, resurgent capital services has one of my debts which is a motorcycle loan. My attorney gave them permission to speak with me regarding the payoff on this loan to get the lien release for title. I made payment arrangements for the balance. So I sent them a check for half the amount and I called them 8 days 9 and 10 days later and they said they never received it. So I then made the payment in full with my debit card and told the lady handling my account to not cash the check as I was cancelling it. Not even a day after I paid the balance they cashed the check resulting in a overpayment and my account to be overdrawn. They are telling me they can not refund my money!? Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Experian Information Solutions 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: Information is missing that should be on the report

Complaint:
XXXX XXXX  deleted the date of final delinquency from my experian credit report, I assume to increase the length of time before it can be deleted. Experian now refuses to delete the account due to the XXXX  missing, and XXXX did nothing when contacted. Per screenshots from experians credit report, the one from XX/XX/XXXX is missing the XXXX, while the one from XX/XX/XXXX shows a XXXX date for deletion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17
Company: GOLDMAN SACHS BANK USA
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On or about XXXX XX/XX/2022 Goldman Sachs received a cashiers check XXXX from XXXX XXXX on behalf of Myself, XXXX XXXX XXXX and my Spouse XXXX XXXX XXXX for payment on are Apple XXXX accounts XXXX and XXXX. On XXXX XX/XX/2022 Goldman Sachs processed the check. As of today XXXX XX/XX/2022, the proceeds from that payment have not been applied to either of our accounts. I have spoken with Goldman Sachs on at least 4 different occasions regarding this issue. I have been told they are elevating this concern. In the interim I and my spouse have to continue making payments on accounts we have already paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-25
Company: WELLS FARGO & COMPANY
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
XXXX XXXX with XXXX XXXX pretended to be an attorney and threatened to have our daughter arrested over a debit to Wachovia Bank from 2009. The amount he tried to collect is also XXXX the amount she owed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04
Company: Paypal Holdings, Inc
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I opened a paypal account in XXXX 2016 and my account has always bee in good standing. I sold items on eBay and the payments were made via PayPal. Despite the fact that all the items sold have been received by the buyers, PayPal is withholding over {$3700.00} worth of payments. Paypal claims that they will hold funds from all transactions for 21 days until the following criteria are met : 1. Complete XXXX successful sales. 
2.Receive at least {$500.00} in payments for goods. 
3. Be a PayPal account holder in good standing for at least 60 days I have completed over XXXX successful sales. I have received at least {$500.00} in payments for goods. I have been a PayPal account holder in good standing since the beginning of XXXX 2016. I called PayPal and explained that I meet and exceed all their requirements and the representative was unwilling to help and continued to make false claims as to why paypal would not comply with their own rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09
Company: Paypal Holdings, Inc
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX believes I owe them {$220.00} dollars. However, XXXX can not prove that I in fact owe that money. Now, XXXX has hired XXXX debt collectors who have been calling me at work despite me specifically asking them not to call me at work. 

What happened was the following:1 ) I shipped books to an individual on XXXX in exchange for {$220.00} dollars. I have proof of that shipment via USPS. 

2 ) The individual claims to have received the books and then sent the books back to my home address. 

3 ) I never received the books allegedly shipped back to my address. The " purchaser '' of the books can not prove he actually sent them back to my address. 

4 ) Now, XXXX ( owned by XXXX ) wants me to pay {$220.00}, which I assume XXXX paid the original " recipient '' of the books. 

5 ) Recently, XXXX has engaged XXXX, XXXX-party debt collectors who have been calling me at work. 

6 ) I have told these debt collectors to stop calling me at work and call my cell phone, but they keep calling me at work which is unacceptable. 

7 ) I do not owe XXXX anything yet they will not leave me alone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-04
Company: Paypal Holdings, Inc
State: OK
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I found a credit inquiry on my XXXX credit report from XXXX. After doing some checking I found out it has to do with Paypal. I do have a Paypal account but have never asked for any type of credit card or account with them. This inquiry was done completely without my knowledge and/or consent. It brought my rating down by XXXX points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17
Company: Bread Financial 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:
There appears to be several actions of fraud on my credit history report over the last couple months. The specific actions that are incorrect and fraudulent include : XX/XX/XXXX : New Inquiry XXXX XXXX XX/XX/XXXX XXXX New Account ( opened as of XX/XX/XXXX with an initial balance of {$780.00} ) XXXX XXXX XX/XX/XXXX : New Address Updated address to : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XX/XX/XXXX : New Inquiry COMENITYBANKXXXX  None of these actions were taken by myself and all are fraudulent. My credit score has since dropped by XXXX points from XXXX as of XX/XX/XXXX to XXXX as of XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-05
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Even though I have almost XXXX balance as I have used my BJ 's Perks Mastercard from XXXXXXXX XXXX they are suspending my card and was declined even though they admit I have an allotment ( free balance of {$3500.00} ) and told me that I made too many PAYMENTS on my card and was suspended for 72 hours XX/XX/2020 Online Payment from Account ending in XXXX {$400.00} XX/XX/2020 Online Payment from Account ending in XXXX {$290.00} XX/XX/2020 Online Payment from Account ending in XXXX {$100.00} XX/XX/2020 Online Payment from Account ending in XXXX {$200.00} XX/XX/2020 Online Payment from Account ending in XXXX {$300.00} XX/XX/2020 Online Payment from Account ending in XXXX {$270.00} XX/XX/2020 Online Payment from Account ending in XXXX {$100.00} XX/XX/2020 Online Payment from Account ending in XXXX {$200.00} After I called to find out why this is being done they are saying the software was written in XXXX and that only applies here, when I tried to advise them that USC 16c of the FDCPA specifically does not allow credit bureaus or collectors to  suspend payments received they told me they didn't care in a recorded phone conversation and to make a complaint. I thought this was so bizarre that I would follow thier opinionated advice and report them for violation of US Federal Law and they can thank thier call center in XXXX for the wonderful experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: TD BANK US HOLDING COMPANY
State: IL
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 this creditor has violated my rights Under 15 USC 1681 section 602 states i have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Experian Information Solutions Inc.
State: FL
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 Acct # XXXX, XXXX Acct # XXXX, XXXX  Acct # XXXX and XXXX XXXX Acct # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company 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 2022-05-17
Company: American First Finance, Inc.
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
This is not my account. I told the company and they are harassing me with calls that come and just hangs up after 1 ring, I call back its them. i told the rep it was not me and she insisted that I need to pay this bill or it will be on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: EQUIFAX, INC.
State: FL
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 Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX and XXXX XXXXL Acct # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX, Closed on home and 1 acre of property. At the time of closing, the closing docs show yearly XXXX County, TX taxes at {$2000.00}. In XX/XX/XXXX, original loan was purchased by Amerihome mortgage company. Monthly payments were {$1200.00}, which included loan plus taxes, and insurances, projected for XX/XX/XXXX. In XX/XX/XXXX, Amerihome issued an over payment from the escrow account in the amount of {$1300.00}. Immediately called Amerihome, and they stated that all taxes and insurance were paid and that their records indicated our XXXX Co taxes are lower and this over payment was due to property owner. In XX/XX/XXXX, early XX/XX/XXXX, we were contacted by XXXX Co Tax Office via letter that our taxes for XX/XX/XXXX were not fully paid and they were going to put a lien on property if not paid in full immediately. The amount paid was only half to XXXX Co in XX/XX/XXXX. Immediately contacted Amerihome who initiated an investigation and determined that from XX/XX/XXXX ( upon buying the mortgage ), that they admittedly were not withholding the proper county taxes throughout the entire XX/XX/XXXX year. Their records indicated that property taxes were only half of the original amount, despite the closing documents reflecting, the annual taxes were {$2000.00}. We received a letter from Amerihome, dated XX/XX/XXXX after investigation completed, stating " escrow account is short {$2400.00} and must immediately be paid or monthly mortgage payment would increase to {$1500.00}. After several phone calls and emails to supervisors, no logical conclusion on why Amerihome 's failure to properly withhold the correct tax amount from the time they purchased the mortgage in XX/XX/XXXX, was reached. Amerihome has concluded that this is 100 % our fault and has offered no logical resolution, except, paying the entire {$2400.00} immediately, or spreading out the loss in the escrow account over a 24-month period, which has raised the monthly payment to {$1400.00}. Amerihomes failure to properly review and verify original closing docs, has now placed a significant financial burden on us, and the fact they have expressed no concern or remorse for their failure, has us now looking for a logical conclusion and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2020-08-05
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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 XXXX . INQUIRIES : US SM BUS ADMIN ODA | XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX  | XX/XX/XXXX, XXXX XXXX  | XX/XX/XXXX, XXXX/XXXX  | XX/XX/XXXX, XXXX/XXXX/XXXX XXXX | XX/XX/XXXX. 
I also noticed that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : DEPT OF ED/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had a record with these authorities/leasers. I attempted to get in touch with them a few times and request verification of possession however they neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Experian Information Solutions 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:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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