BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-21
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: Information belongs to someone else

Complaint:
XXXX  continues to report accounts that were never opened by me. 

XXXX XXXX XXXX  # XXXX ( Account incorrectly Reporting on my report. ) I previously owned a XXXX but it was a XXXX XXXX XXXX. I acquired this car in XXXX It was totalled in a car accident in XXXX. I never owned another XXXX. 

XXXX XXXX XXXX XXXX # XXXX ( Account incorrectly Reporting on my report. ) This was a fraudulent account opened back in XXXX. I filed a report with my local police department and the account was removed but it has shown back up two times. I had a authorized user XXXX  account that my mother added me to that she opened in XXXX. 

XXXX XXXX XXXX  XXXX # XXXX This account was fraudulently opened up back in XXXX. I filed a report with my local police department and the account was removed but it has shown back up recently.

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 2020-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 have recently sent letters to all three bureaus, and it has been over 60 days. There has been no response from any of them, and I feel that they have disregarding my consumer disputes. There has been letters sent out beyond this 60 day mark, to no avail. 
Personally, this is incredibly stressful, it has hindered the homebuying process for me. Please advise me on what to do next.

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 2017-02-07
Company: TENET HEALTHCARE CORPORATION
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Central Financial Control AKA Syndicated Office Systems has been attempting to collect a debt that was paid or should have been paid by insurance ( XXXX ) had XXXX ( ORIGINAL CREDITOR ) billed insurance accurately. I had 100 PER CENT coverage for XXXX at XXXX. 
Instead I am harmed credit wise by the collector for designation and publication of this debt..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: Experian Information Solutions Inc.
State: VA
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 have recently sent letters to all three bureaus, and it has been over 60 days. There has been no response from any of them, and I feel that they have disregarding my consumer disputes. There has been letters sent out beyond this 60 day mark, to no avail. 
Personally, this is incredibly stressful, it has hindered the homebuying process for me. Please advise me on what to do next.

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 2022-08-18
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was approved for the Care Credit card as I began my process of finding a XXXX. I received notice that I must make a purchase before XX/XX/XXXX and have emails stating this date or they will close the account. The account was closed XXXX days prior to that date when I had a XXXX XXXX  for the next week that fell before the XX/XX/XXXX date noted in their communications. It was misleading and harmful.

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 2019-02-16
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
An outside source hacked my Wells Fargo business account and made two withdrawals as payroll deductions -- {$2000.00} & {$5000.00} -- one day apart. When I realized what had happened, I contacted the fraud department of the bank, explained that I hadn't made these withdrawals -- I'm only a one person company and don't have a payroll process in place ; I make a distribution from my company when I need it.

Within a day or so, the {$2000.00} withdrawal was returned -- the last withdrawal -- and when a week passed and I didn't see the return of the {$5000.00}, I followed up with the bank 's fraud department. I was informed that even though they were able to retrieve the last withdrawal they didn't pursue attempting to retrieve the initial {$5000.00} because I didn't inform them within a 24 hour period after the withdrawal that this has transpired. I was stunned to hear this since they realized this was fraud, knew the source of the funds, that they didn't pursue because this transaction was outside of the 24 hour period. Some additional information -- Wells Fargo 's entire system was down for a number of days when these transactions occurred, and this information wasn't even available to me until Sunday -- the day I filed the claim. 

I subsequently filed a report with the XXXX XXXX XXXX police of this fraud and how the bank responded to this. The officer taking the information was as confused as I why if the bank knew where the money was and that this was obviously a fraudulent transaction, that would not pursue getting the money back because it fell outside of their 24 hour policy. 

I was informed by the fraud department that they would record my disagreement with their resolution and respond within 120 days. I am semi-retired ( XXXX ) and have a very small XXXX company and {$5000.00} is a great deal of money to me. Suffice it to say that while I don't expect to hear back from them, that I wanted to record their actions to the appropriate organization for further review.

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 2020-09-30
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I was scammed in a transaction for vinyl record. I sent the man the money on XXXX XXXX and was informed on XXXX XXXX by another individual on XXXX that this scammer was posing as me, attempting to buy the very record I solicited him for. 

I used paypal to send the money thinking that I was using their merchant services, but I unfortunately still had the " friends and family '' feature enabled when I sent the payment. 

The amount of money lost is : {$130.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: Flagstar Bank, N.A.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have an FHA loan, and we are suffering hardship including unemployment due to the Coronavirus pandemic. I have made several requests to Flagstar for a forbearance, including sending them a hardship letter, but they denied my request for a forbearance because my mortgage was already in default. This is a violation of Section 4022 ( b ) ( 1 ) of the CARES Act which expressly states that the forbearance shall be granted regardless of delinquency status. 

Specifically, in XXXX 2020, I requested a forbearance from Flagstar. They sent me a letter dated XX/XX/2020 acknowledging my request, and asking that send a letter and provide supporting documentation ( which is a separate violation of Section 4022 ( c ) ( 1 ) of the CARES Act. I sent them a hardship letter explaining that I can not leave the house due to XXXX which make me especially vulnerable to the coronavirus, and that my husband is unemployed as a result of the virus. 

On XX/XX/2020, a Flagstar representative informed me by telephone that my forbearance request was denied because the loan was referred to foreclosure. This denial is a direct violation of Section ( b ) ( 1 ) of the CARES Act which expressly states the forbearance shall be granted regardless of delinquency status. 

On XXXX XXXX, 2020, I sent a letter to Flagstars attorney, that Flagstar had violated the Cares Act by filing a motion for final judgment of foreclosure in violation of the CARES Act moratorium. I also pointed out that Flagstars failure to grant my request for a forbearance violated the CARES Act. Although the attorney vacated the final judgment, she did not respond regarding the forbearance issue. 

On XXXX XXXX, 2020, I spoke with my designated point of contact at Flagstar, XXXX XXXX XXXX. I again asked for a forbearance. She again stated, erroneously, that I am not eligible for a forbearance because my loan is past due, and was already sent to foreclosure. This is a blatant violation of Section 4022 ( b ) ( 1 ) of the CARES Act.

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 2015-05-29
Company: Credit Bureau Collection Services, Inc.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I habe received numerous letters from a collection agency regarding a XXXX bill that I do not owe. I replied several times including copies of bills that show there is a XXXX balance, but I continually receive letters that they checked on this and that I still owe this bill. I have now wasted so much of my time speaking to both the billing office at the doctors office and speaking to this debt collector and writing letters that it has become ridiculous. It is not the money but the principal of the matter that I should have to pay a bill I do not owe. Also I am worried about my credit, which I am trying to reestablish after a bad credit history due to a criminal act. Please help me with this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have requested to do a deed in lieu to return this property back to the bank because I have had this property for 13 years and tenants have moved out and I have lost over {$100000.00} on this property from expenses and taxes due {$22000.00} and I am not working with being impacted with the Covid -19 and informed the investor and they refuse to take this property back. And I do not want to file bankruptcy. I spoke with SPS today regarding this property XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: CURO Intermediate Holdings
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/22 Ad Astra Recovery Services Inc. gained access to my checking account and I am unsure how they did it but they wrote themselves out a payment check for the balance I owe Speedy Cash ( speedy cash sold my debt to Ad Astra ) of {$590.00}. I did not give anybody permission to do that nor did Ad Astra have a court order. I called Ad Astra today ( XX/XX/22 ) in order to find a solution to paying of my debt and was basically told by the woman I spoke to that it was an attempt to collect a debt and that they had sent letters and had called me about AND that if I didn't resolve the issue they would basically gain access to my account again and attempt to take out the money again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: Torres Credit Services, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX, XXXX, after pulling my credit report, I notice multiple unknown accounts on it that did not belong to me, doing my own research and asking for some help from a friend of mine, he recommended me to to start disputing the inaccurate information, So I did. I started my journey of disputing the accounts that were not mine On/or about XX/XX/XXXX, as of now, XX/XX/XXXX, I had submitted my documents to the Credit Bureaus several times. I recently went to file an Identity Theft Police Report just as the Credit Bureaus requested. Just a few days ago, I received a collection letter from TORRES CREDIT SERVICE collecting on an alleged debt with XXXX XXXX XXXX, I definitely do not recognize this debt, it has nothing to do with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: Experian Information Solutions Inc.
State: MD
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 submitted a dispute letters in order to have accounts deleted because the information reported was incorrect. Instead of deleting the accounts they claim they updated information. There is no information updated or changed with the accounts I am disputing they still have incorrect information listed. I want every closed student loan account deleted from my report. The information being reported is inaccurate when I sent my dispute letters I sent proof along with the info as to why they needed to delete the loans off my report. Nothing was deleted claim to have updated the info but everything is exactly the same. It is their responsibility to report every account with accurate information and they have failed in this department.

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 2016-09-15
Company: Southwest Credit Systems, L.P.
State: PA
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 has issued on my credit report a deliquency of {$870.00} that is NOT MINE. I have never lived at the address of XXXX XXXX XXXX, XXXX, PA XXXX. I have tried getting this resolved by going to the XXXX center XXXX 3 times. I have called numerous times, I have filled all the necessary fradualant paper work, I have obtained a XXXX police report, I have everything documented and notarized. The charge is showing up on my credit report which is making my XXXX score low which has now affected my wife and I to receive a loan we are currently in the process of obtaining. I have all proper documentation stating that the person with the same name has a different age, different birthday, different ss # as myself. I need to know what my rights are. I have contacted an attorney and if I ca n't resolve this issue I will be filing a law suit against XXXX. XXXX has already admitted that the charge was put onto my account by the collections department ... .the person with the same name never tried to put service in my name. Therefore it was an error on XXXX behalf. They need to fix it. My wife and I have been put through XXXX trying to attempt to prove my innocence that this is not me nor my charge. We are the victim and we are treated like the criminal by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 submitted a complaint for belief in being a victim of identity theft and needed to have a list of documents I submitted a package via certified mail containing the documents needed to resolve this issue, via Section 605B of the Fair Credit Report Act. Their investigation has closed, yet those items are still on my credit report. Please block these items as soon as possible. I have attached the original documents showing when they were sent.

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 2022-08-18
Company: EQUIFAX, INC.
State: AL
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 According with the Fair Credit Reporting Act, XXXX XXXX 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 : 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 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX XXXX Department of Education 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 : 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 non-monetary relief
Consumer complaint received 2020-09-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have two checking accounts with Capital One Bank. One account I do not have a physical checkbook for shows a customer withdraw of {$2500.00}. I did NOT withdraw funds from that account in that amount, nor did my husband. I called the Capital One fraud department and they placed me on hold and transferred me multiple times, only to hang up on me and NOT call me back. I called once more and sat on hold for 30 min to find out the withdraw was a " bank error '' and that it was not fraud. I was told my funds would be refunded. This was suspicious to me so I called back. It seems as though a bank employee took funds from my account as they have NO explanation how the funds were withdrawn. Just stated bank error and they were NOT going to open an investigation and would NOT provide me with the withdraw slip or check that corresponds with the withdraw. This is highly suspicious. I want an investigation opened as to how the funds were withdrawn from my account. And, why could they not immediately credit back my funds. I am to wait DAYS to get money back from their supposed error. {$2500.00} is a lot of money to disappear from an account, especially the end of the month when I have bills due. Please help me open an investigation as to why these funds were withdrawn.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: Reverse Mortgage Solutions, Inc.
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In or about XXXX XXXX, I was XXXX program which XXXX. The boat that I was riding on for this XXXX race crashed and I suffered XXXX, which left me unable to work. I was able to obtain a reverse mortgage with XXXX at the time. I was responsible to keep up with the property taxes. I fell behind on my taxes with XXXX and they were gracious enough to allow me to pay {$210.00} per month until the {$7600.00} was paid off. After making two payments to XXXX, the loan was transferred to RMS. RMS refuses to acknowledge the payment arrangement I had with XXXX and is now threatening to foreclose on me. Two weeks ago when I called, I was informed that to avoid foreclosure, I would have to pay a lump sum of {$7600.00}. I sent RMS a chashiers check and they refused to cash it. They are claiming that they paid over a XXXX on XXXX XXXX, XXXX for my property taxes. However, I had paid the property taxes on XXXX XXXX, XXXX. I borrowed the money to pay off the balance DESPITE the fact that I was on a re-payment plan with XXXX and RMS refuses to acknowledge. Now, RMS mistakenly paid property tax which I already paid and they are refusing to stop the foreclosure process even though I jsut XXXX them a LUMP sum of {$7300.00}. Not only is RMS acting unreasonably but they are violating the agreement I reached with XXXX. Now they are going back on the amount stated to me that needed to get me out f foreclosure, I am XXXX I am over XXXX years old,, I am current with my property taxes and I just gave RMS a check for {$7300.00}. They made the mistake of paying a property tax in addition to what I paid. I am on a fixed income and I can not give them the extra {$1000.00}. Please tell them not to treat old and XXXX people in this manner. They could easily have worked with me so as to avoid foreclosure they have a lump sum of money and they want to throw this old and XXXX man on the streets when I have complied with every demand. Please help me XXXX bless you.

Company response to consumer: Closed with explanation