BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-23
Company: EQUIFAX, 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: Account information incorrect

Complaint:
The XXXX XXXX credit card Through MY XXXX Marked a late payment than notified the public of a late payment taking my score down over XXXX XXXX, when I called and explained the financial institution " XXXX '' I use for personal and business was delaying my checks being deposited as if XXXX XXXX XXXX purposely are delaying cleared checks so I can fall behind on payments, XXXX XXXX  said the late payment was reversed I also stated they illegally put my info out to other companies they again said they would correct the issue that I needed to dispute the " the XXXX XXXX " credit card with XXXX Bank to correct the issue and nothing has been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: Carter-Young, Inc.
State: GA
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:
This is probably my 4th complaint with these two companies. Im truly sorry for constantly messaging you all but how can we let this be? 

XXXX, XXXX, XXXX, XXXX and XX/XX/2020 Carter-Young INC stated that I had a balance of {$3600.00} XXXX  XXXX XXXX stated they had a charge-off of {$470.00} For 4 months straight I have been disputing with The 3 Major Credit Bureaus along with the companies ( Alleged creditors ) directory to get them to prove to me that the information that they are reporting is accurate. 

Each time I would dispute the validation of debt or verifying of debt ( two different things ) they would always come back with some paper saying its mine and they would like to settle. I would dispute it again and again and again yet they refuse to send me any form of proof. I have read receipts as to when they received the items as well because I was instructed by my attorney to have everything I sent them certified mail. 


They according to the united states supreme court and thousand more cases have not done so. Not only have these companies not done so They have yet to provide documentation stating I have a obligation to pay them along with anything baring my signature as required by law. They would send me a copy of an itemized bill in a letter without any signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

Its like everyone out there is sleep on the law. Why do we let them get away with this?? 

I was very specific as to what law and section during my challenge process. 
Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ) ( This is the LAW ) Their actions are none other than 1 ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) They sent updated response to the bureaus that the items meet the FCRA requirements without proof. How could this be when I am very specific about the law. 

The companies XXXX  XXXX XXXX and Carter-Young These accounts are FRUAD Obviously and I am begging one last time before I ignite the lawsuit against them along with the credit bureaus. 

XXXX  XXXX XXXX is still trying to collect on a debt they sold! Why is this? It isn't mine. Is that even legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
PayPal Debt card / moblie bank Wrongly closed my account with my old email XXXX they fasly accused me of fraud when I showed them plenty of times where the money came from proof and etc they decided to steal not listen to me shut my account down and mess up my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2020-10-01
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, I am filing this complaint because I feel as though I'm being discriminated against by an underwriter employed with Huntington Bank because I am a XXXX XXXX American man. I have applied for mortgage loans and received multiple mortgages from other institutions for the purchase of a primary residence as well as for investment properties but my experience with Huntington bank has been like no other experience and disheartening to say the least. 

I have been subjected to several rounds of underwriter conditions after receiving multiple " clear to close '' letters and email communication from the Bank. I feel this underwriter is trying intentionally to sabotage my loan application in order to prevent me from purchasing a rental property. 

The conditions that the underwriter has set forth are not in compliance with XXXX XXXX XXXX underwriting guidelines and he is using XXXX bias and his subjectivity to create unnecessary loan underwriting conditions for no valid reason. I have returned documents several times and have completed everything that has been asked of me. 

On XX/XX/2020 I received a closing disclosure and a final clear to close. On XX/XX/2020 I had my bank account wire of {$47000.00} to the title agency that was handling our closing that was scheduled for Friday XX/XX/2020. Today on XX/XX/2020 I received a call indicating that the underwriting was asking for more conditions. This condition that he asked about was already resolved prior to Huntington Bank issuing me the preliminary closing disclosure and final closing disclosure in preparation for our scheduled closing of XX/XX/2020. 

I feel I am being singled out because I am a XXXX XXXX American man. I would like for the CFPB to look in my allegations to determine if the underwriter working my loan application 's conduct is illegal and inappropriate in regards to the mortgage lending regulations. I believe this underwriter is in direct violation and he and Huntington Bank are guilty of Mortgage Discrimination. My complaint is in no way aimed at the mortgage loan officer that took my file and worked with me during this process. This complaint is 100 % aimed at the underwriter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
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: Account status incorrect

Complaint:
I have contacted TransUnion on XX/XX/2022, XX/XX/2022 as well as XX/XX/2022 to have these 2 unlawful creditors items to be removed from my credit report and they have not done so the following items should be removed from my credit report due to the law : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 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 2020-10-01
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
To whom it may concern : As I have been facing reduced work hours due to COVID-19, I had to reach out to each creditor I owe money to work out some kind of relief. While the vast majority had granted me a deferment or waiver until I get my hours back, unfortunately Citibank ( servicer of the Best Buy Visa Credit Card ) has refused to work out an agreement due to my current situation. I talked to XXXX ( ID XXXX ), from Customer Service last week. She declined to waive the payment temporarily, or apply a deferment. Not even allow me to pay as much as I can as my financial situation allows me. One more time, Citibank is lying when they offer COVID-19 relief, and I feel like they have something personal against me, even I made my best to pay on time.

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 2020-12-29
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Company Name : Amerihome My mortgage is currently in forbearance under the CARES act, since XXXX. 

This company calls my cell phone every day at various times, leaving messages that only request a call back. I called them once, waiting on hold for approximately 40 minutes, only to receive a lecture about my options once the forbearance expires ... options which, I might point out, are listed on the monthly mailings I get about it. 

I have been out of the country, roaming for two months at this point. I contacted the company via their web portal in a good faith effort to figure out what it is they want. I told them multiple times, via their web portal, that I am unable to call them due to the expense of making calls while roaming. They then informed me that they have removed my number from receiving automated calls. However, nobody at the company has actually answered my " what do you want '' questions and issues mostly just get closed, aside from the most recent " we removed your number from automated calls '' reply. I still do not know what they want, nor am I willing to spend $ XXXXminute to wait on hold with this company while I'm abroad. 

Yesterday, I received an email requesting that I update my contact information. I signed into their web portal to update it, and now the automated calls have started again. Based on past experience, I imagine that the voice messages will continue building up at various times during the day until I return to the US, open several tickets on their web portal asking what they want ( which they *never* answer ), or enter a bogus phone number into their system ( which I have just done in an effort to stop the calls ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: Alpha Recovery Corp
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2020 To whom it may concern : I would like to file a complaint against two collection companies, Alpha Recovery Corp, as well as XXXX XXXX XXXX. 

I received a letter today from this alpha Recovery Corp, in which they are claiming that I owe a collection debt from XXXX XXXX XXXX, in the amount of {$1600.00}, for an account ending in XXXX. 

I want to make it clear that I do not owe this debt, I did not owe XXXX XXXX XXXX   any amount of {$1600.00}, if this is what they are claiming, this is not true. 

If this business has placed this fraudulent charge amount onto my credit files, I want all derogatory information removed, and I would like a letter on their letterhead showing that this has been done. 

I want this company to provide me with their license numbers and Registered Agent documentation. 
As well as proof that they are licensed to collect in my state. 

They are slandering my credit with this misinformation, and I want to consult with an attorney about that. 

Also, I want all communication from them to come from them to you, and you can contact me. 

Also the name as how they are writing it on this collection account is not my name, there is no hyphen in my name, and I want that corrected. 

I do not owe this charge amount, and I want my name cleared from it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
I am the Executrix of my father 's estate. He had a reverse mortgage. Loan was due at the time of his death. It went in foreclosure and XXXX sale was pending. I was able to reach out to a broker that handled these matters. XXXX reached out to bank with an interested party. House was a short sale and this occurred on XX/XX/XXXX. I have received the paperwork for the foreclosure dismissal, the HOA bill of sale from the closing PHH Mortgage, 1 Mortgage Way, XXXX XXXX, NJ XXXX ( XXXX XXXX ) represents the XXXX XXXX XXXX XXXX  XXXX XXXX. 
PHH Mortgage would call from time to time regarding the account during the past XXXX years. They would ask, " do I have any questions '', I would reply " no thank you I don't. '' The house sold and I continue to receive these phone calls, more often and post the short sale. Today makes number XXXX since the closing occurred. 
XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Each phone call XXXX have advised them that check with Bank of New York XXXX XXXX XXXX The short sale occurred on XX/XX/XXXX and have the HOA document. Cease and Desist, Do Not call. 
XXXX agreed and still he called. XXXX is a new person that called me today. Called with attitude, I explained to him the same as to XXXX, cease and desist, do not call, the house was sold, and the bank was fully involved. PHH needs to reach out to the bank for details. XXXX stated there was a small balance. And refused to listen to what I previously stated... there is no balance bank settled, speak to XXXX XXXX XXXX XXXX XXXXXXXX XXXX. He claimed he was going to check with the bank. I don't believed it since i have stated this now 5 times, but they continue to call. 
It is sad enough that my father passed at a time of Covid ( XX/XX/XXXX ) while recovering in a center that left him to be on his own during that time ( XXXX XXXX XXXX XXXX  XXXX, dba XXXX  at XXXX ) that I also had to deal with all the legal issues regarding the estate, working through a short sale to satisfy the loan, but this continues to occur not allowing me to heal from all the emotional trauma and stress. This continues to rip open a wound that is trying to heal. Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
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:
I am disputing the following account under FCRA : XXXX XXXX XXXX account XXXX Experian refusing to investigate. 
Please delete asap

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 2023-01-26
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 Account ( XXXX XXXX ), has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : 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 2019-10-06
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a credit card from HSBC and was told I has to go through a process through the HSBC Fraud Operations Team, this is what they sent me. 
Dear XXXX, Thank you for your application. As we have informed you through the process, federal regulations and internal bank policies require us to obtain specific customer identification information. We want to make sure we gather the proper information so that you can start your HSBC relationship. 

during that time I was ask why I file a protection with the credit bureau and was ask when I filed it and why, I explain my purse was stolen and I filed a police report, in the process I had to get a new driver licenses, the company ask me to send a copy of my license and they will contact me in 48 hours of doing so, I never heard from them with in 7 days so I contact them and I was told they could not see the picture so resend it and I did and when I called them back they said the issue date on my license did not seem right. I believe they sent me through all this because of my color or race and then they sent me this letter. 
Dear XXXX, Thank you for applying for an HSBC Cash Rewards Mastercard credit card. 
Unfortunately, we are unable to approve your application, because we are unable to verify your identity. 
Please note, a credit check was not performed. 
why sent me through this and no check was done. 
I ask to speak to a supervisor and they said no supervisor is around to talk with so I ask who was in charge and I still was sent on a run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to express my concern regarding a dispute I initiated on XX/XX/XXXX, pertaining to my credit report. In my dispute letter, I pointed out an inaccuracy in my credit report related to the account with XXXXXXXX XXXX XXXXXXXX XXXX. This account reflects a late payment in XX/XX/XXXX, which was due to a deferment caused by the XXXX pandemic. According to the CARES Act, such deferred payments should not be reported as late. Despite my efforts and the gravity of this issue, I have not received a response or any resolution from Equifax, which raises concerns about negligence in handling my dispute and potential violations of the FCRA. It is also important to note that XXXX and XXXX are not reporting this late payment so I am confused why Equifax is reporting this. I have attached a copy of the original dispute letter, which clearly outlines the error and the pertinent details. This letter is dated and time-stamped, demonstrating that my dispute was initiated over XXXX months ago. As you are aware, the FCRA mandates the accurate reporting of consumer credit information, and any violations of this act can have serious consequences. I am prepared to pursue legal action against Equifax for each FCRA violation, with a potential claim of {$1000.00} per violation, should this issue remain unaddressed. I kindly request immediate attention to this matter and the removal of the inaccurately reported late payment from my credit report. I believe it is in everyone 's best interest to resolve this issue promptly to avoid any further legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-11
Company: Credit Corp Solutions Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not liable for this debt with XXXX. Furthermore, I do not have a contract with CREDIT CORP SOLUTIONS. They did not provide me with the original documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have tried to dispute my personal information with all three credit bureaus and I have had no success. There are a number of names, addresses, phone numbers, and employment information on my credit report that are fraudulent. I have contacted all three credit bureaus on XX/XX/2021 and I have not received an investigation result from any of the the credit bureaus. I understand that the credit bureaus have 30 days to provide results of their investigation. Therefore, I would like results immediately.

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