BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-12
Company: Absolute Resolutions Corp.
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:
I have a fraudulent account on my credit report, which I reported to ABSOLUTE RESOLUTIONS, yet ABSOLUTE RESOLUTIONS is not removing this fraudulent account. ABSOLUTE RESOLUTIONS has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than XXXX business days after date of receipt, yet ABSOLUTE RESOLUTIONS has refused to do this. The following is the fraudulent account : ABSOLUTE RESOLUTIONS/ XXXX which was opened at an address where I have never lived at and it has nothing to do with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: MOHELA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I had 119 months of XXXX XXXX  employment certified through XXXX XXXX while my loans were being serviced by XXXX XXXX. My loans were then transferred to Mohela. I provided an additional employment certification form to them for the month of XXXX XXXX on XX/XX/ XXXX. I provided the form by mail, fax and uploading it to their website due to having prior issues with documentation with XXXX  XXXX XXXX. The form was received. On the Mohela website under form status it indicates it has been processed and to expect a notice within 7-10 days. That was weeks ago and I have not received anything in the mail and the website does not reflect any additional information. 

I have spent hours on the phone with customer service to try to get additional information or an understanding of why my count has not been updated to reflect 120 qualifying payments or why my loans have been forgiven at this time. It is literally paperwork for one month! My employment has been the same for the past 2.5 years. I work for XXXX XXXX XXXX. 

When I am able to speak to someone at Mohela, they do not provide any specific information about my account. They repeat information to me from a script and keep repeating that there is unprecedented interest in public service loan forgiveness. When I asked to speak to a supervisor, I was then put on hold for an hour and eventually I had to hang up. 

I have emailed them, I received a response indicating a request was put in for someone to contact me and no one has reached out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense XXXX and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: Synergetic Communication Inc
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I, XXXX XXXX Natural Person, Synergetic Communication Inc XXXX you are a debt Collector identified in the Fair Debt Collection Practices Act pursuant to Title 15 U.S.C 1692 a ( 6 ). It has come to my attention and understanding that Synergetic Communication has my rights pursuant to Fair Debt Collection Practices Act ( FDCPA ). 
Pursuant to title 15 U.S.C 1692 c ( c ), I dispute the ALLEGED debt and refuse to pay the ALLEGED debt. I demand per Title 15 U.S.Cc ( c ) that you cease all further communication through ALL and ANY MEDIUM except, for communication of remedies for XXXX XXXX, the consumer and natural person, via MAIL ONLY. Pursuant to Title 15 U.S.C 1692c ( c ) ( 2 ), I am invoking specified remedy as the original creditor and demand the following :

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
In XXXX I received a notice that my loan had been transferred to a new servicer as of XX/XX/2020 from XXXX XXXX to ShellPoint. 
On XX/XX/XXXX I paid my original servicer the full amount due which was {$600.00} making my account current for the XX/XX/2020 payment and my next due payment would be XX/XX/2020. ' The new loan servicer ShellPoint started calling me advising I had late fees and was delinquent on my XX/XX/2020 payment. Through several calls they were unable to provide me any details saying all they know is I owe a late payment and that I still need to pay my XX/XX/2020 payment. I asked them to research this to which they said it has to go to another department. What I was eventually told was that I had to go back to my previous servicer and get any information to prove that I paid them prior to the account being transferred and that was not the new servicer job. Repeated calls requesting a supervisor, no resolution. I get calls saying I still owed XXXX for weeks. I paid my XXXX and XXXX payment and was then told I still owe XX/XX/2020 because when I paid they applied my payment to XX/XX/2020 and XX/XX/2020. I have been going round and round with shellpoint. When they call I have no asked to have them turn the recorder off as I live in California and its a 2 party consent state and they say they cant. At first they asked me to hang up and I said I would just wait. They know just disconnect the call and call back the next day or same day. 

This kind of behavior has to happen often with these servicers that take over loans and then put it on the consumer to prove that they dont actually owe the money to them. Every statement they have sent me is incorrect, ever phone call they make incorrect states about debt I do not owe. 

I honestly thought they may finally call my previous servicer to clear this up but was told they dont do that because its hard to find my account. Its silly. There has to be endless other people that get caught up in this and end up spending their time proving they dont owe a debt and or just pay it. 

I myself have found the email showing I made a payment prior to the account being transfereed which I have not sent to Shellpoint because I think this is ridiculous. Shellpoint has no marked me as having a late payment on my credit report and my score has dropped.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: DISCOVER BANK
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Discover card is running payment through twice and then charging a {$41.00} fee. So I dont think thats fair at all so they run it once and then if it fails then they running through again and then they still charge a fee even if the payment will clear. I feel this is outrageous so it should be either one of the other either dont charged a fee or dont run the payment through twice. I called customer service and of course they just make excuses and say its policy. XXXX XXXX charges a fee of only {$29.00} so the fees too high and they shouldnt be charging the fee twice if the payment successfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: SYNCHRONY FINANCIAL
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I get repeated emails to XXXX, my secondary email address. This is todays but they come 2-3x per week : " Let 's talk solutions Hi XXXX, Your Sam 's Club Mastercard account is past due. Reminder, Synchrony reports your account status to XXXX, XXXX and XXXX credit bureaus monthly. 
Current Balance Total Minimum Payment Due Due Date {$110.00} {$31.00} XX/XX/2023 No login? No problem Click Here and Select Pay As Guest We're here to help XXXX Call us Weekdays XXXX XXXX.XXXX XXXX  Weekends XXXX XXXX XXXX XXXX XXXX Note : This email is an attempt to collect a debt and any information obtained will be used for that purpose. Account is owned by Synchrony Bank. 

If you do not wish to receive any future collection communications from us via email, please click here to unsubscribe. 

This email was sent to you by Synchrony Bank to provide important information about your account. You may receive collection emails even if you have requested not to receive email marketing offers from Synchrony Bank. For more information about the security of your information, please read the Synchrony Bank Privacy Policy. Synchrony Bank is located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Head off identity theft before it happens. For more information about identity theft, please visit the Federal Trade Commission 's ( FTC ) consumer website at https : //www.identitytheft.gov. 

This is an unmonitored email box. Please do not reply to this email. 

We respect your privacy. Click here to read our Privacy Policy. 

XXXX  Synchrony Bank XXXX XXXX " but these provide no quick or easy way to contact the bank to draw their attention to the fact that I am NOT XXXX XXXX ( nor is any member of my family ) and I deeply resent that THEIR error is pushing costs off on to me. They should be required to maintain a WWW site/email account where these issues are easily addressed -- especially as they are using electronic means to contact me. 

Thank you XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: EQUIFAX, 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:
I am submitting a CFPB complaint to request an investigation and correction of the listed account, which appears to be incomplete and inaccurate on my credit report, as provided for by the Fair Credit Reporting Act. The account in question is with XXXX XXXX with the account number XXXX, and a balance of {$0.00}. I urgently require confirmation of the current status of this account. I have reason to believe that the information being reported is incorrect, as it does not match with my own records. Therefore, I am requesting a thorough investigation and prompt correction of any inaccuracies to ensure that the information on my credit report is legally and lawfully accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: Hunt & Henriques
State: CA
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 collectors are harassing and abusing me by calling repeatedly 5 to 10 times a day and at XXXX and XXXX they are constantly are threatening me constantly to pay them with gift cards from XXXX XXXX  or send them money from XXXX XXXX . they said they will come by and arrest me cause they have the power to arrest anyone if i don't have the gift card ready for them when they come by the house. I already told them i do not owe you anything. I'm a victim of Identity theft, I have no knowledge of any account debt at all. Do not contact me. they keep harassing me..to pay them with gift cards. Please help... I have a XXXX  I am a XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Experian Information Solutions Inc.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2023-06-12
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened the checking account on XX/XX/XXXX, made XXXX direct deposits on XX/XX/XXXX, and XX/XX/XXXX totaling more than {$1000.00}, which is within the 90 day period after account opening. I am supposed to receive a one time {$400.00} bonus according to the terms during account opening. I went to the branch on XX/XX/XXXX, the representative wasn't helpful. I called the customer service on XX/XX/XXXX, they said that I should receive the bonus within 30 days. It has been more than 30 days, I still haven't receive the bonus according to their terms.

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 2023-05-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I'm on short-term XXXX and it's through the EDD they're connected with Bank of America and of last week {$930.00} was withdrawn from my account without my permission basically I was hacked Bank of America now is not honoring there is zero liability I can not wait 90 days for them to investigate it has put me in a very very hardship situation maybe there is something you can help me with I'm in desperate 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 monetary relief
Consumer complaint received 2023-06-12
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
So a month ago I was logging onto Venmo to send my roommate money for our monthly utilities fee. And I realized my account had been frozen. When I checked my email, they said I violated some security and privacy thing. After checking through their list of restricted uses, it did not seem as though I violated any. I have reached out to them, only for them to confirm that I had violated something, and that they were now going to permanently ban my account. Now I have money still in my account. And I have tried to link my bank, and while they said that they would allow me to transfer money out of my account, I get to the final screen of linking my account, it says success only to tell me on the next page that there was an error linking your bank account. So now Im left, without my money, and without the service I use to pay my roommates. Both of which I believe to be unfair and unjust. And they are making it even more annoying by not telling me what I did specifically wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
Company: Atlanticus Services Corporation
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XXXX XXXX XXXX XXXX XXXX was opened XX/XX/23 and charged {$1200.00} without my authorization. Spoke to the card company and they said they will look into it, spoke to XXXX XXXX and they have no account with my name or social.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: HYUNDAI CAPITAL AMERICA
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:
I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

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 2023-06-12
Company: Cascade CISS Holdings, LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
After reviewing my credit report. I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: CAINE & WEINER COMPANY, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My name is XXXX XXXX. 
Caine and Weiner have responded and agreed to remove incorrect information from my Wife 's credit report see CFPB complaint ID number XXXX as of XX/XX/2023. My complaint is the same see below : We previously resided in XXXX XXXX XXXX XXXX XXXX. We moved to XXXX in XX/XX/2023. We used to have XXXX XXXX XXXX XXXX XXXX in XXXX. Shortly after moving to XXXX we asked XXXX to transfer our insurance to XXXX state. But they said they couldn't cover the type of insurance that we needed in XXXX. So we canceled with XXXX and moved our business to XXXX. I called XXXX since it was half way through the month and spoke with XXXX XXXX. Since XXXX sent us a reimbursement check for our homeowners insurance but we were awaiting what would happen with our auto insurance policy for our company vehicle. I spoke with XXXX and they said there was a XXXX amount outstanding and that I couldn't dispute a cancellation charge since it had already gone to a collection company!!! About a week or so later i received a letter from a company called Caine and Weiner and i was absolutely shocked we had been treated like this by XXXX. So I made the payment which included a cancellation fee, rather than waste any more energy disputing. I have just received my credit report and I am absolutely disgusted that a company can tarnish your whole report based on nothing! In any other country this would be illegal. Please remove this otherwise I will contact a consumer protection attorney for misuse of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Selene Holdings LLC
State: CA
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:
XXXX XXXX in XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. 
XXXX XXXX, FL XXXX Have now been retained as attorneys for Plaintiffs XXXX XXXX XXXX and XXXX XXXX XXXX for improper use of credit report and several accounts of RESPA violations. 

Selene Finance have violated plaintiffs privacy The law states The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: CAVALRY INVESTMENTS, LLC
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:
My credit file shows a collection from your agency. I was never notified of this collection. 
Also, I do not believe that this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I added my XXXX XXXX as an authorized user eight years ago. Now that he is an adult, card performance is reported to his credit report. He hasnt personally given authorization to the bank to use his credit report, and he is not financially liable for it. This does not seem right, ethical and does not seem a permissible practice under the Fair Credit Reporting Act. I contacted the Bank and they were dismissive and not willing to provide a response backed by existing laws and regulations.

Company response to consumer: Closed with explanation