BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-11
Company: Resurgent Capital Services L.P.
State: LA
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 Fair Credit Reporting Act XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States, I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX had falsely put a balance on my credit in which I reached out to them and they did remove the balance and sent me an email proving it. I go to XXXX XXXX to dispute it also uploading a photo for proof but you guys are saying that the information is accurate. So its clear that someone didnt do they job and follow up.

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 2022-04-27
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received a Navy Federal rewards card from NFCU back in 2021 I was using the card while I was staying at the XXXX XXXX XXXX by XXXX I received unauthorized charges on my credit card from the XXXX XXXX after I told them not to charge my credit card so I called my NFCU about the situation and has I was talking to customer service on the phone the hotel charged to again so the customer service representative was looking at my account and told me they was attempting to charge it again I said to her stop can you stop them she said no I said why not she said we can't stop authorization a said what do you mean she began to explain that they have a contract with the credit card processing companies such as XXXX  where as any authorized charges have to be paid no matter what and the merchant as up to 6 months to settle I said to her that's not right because the merchant can keep charging your credit card for what ever amount that will authorize on top of the if the merchant don't collect the funds right away then after 5 days the funds go right back on the credit card as available credit then the merchant can authorize it again and again after every 5 days then she yeah unfortunately we can do anything about it the only thing we can do is shut down that credit card and send you out another one then I said what about those charges she will you would have to pay them they Then I told her that wasn't right because your bank is in valuation of the truth in lending law 's because what you just told me is not anywhere on the contract I signed when I received the credit card she said no it is not that information is not provided no where on the contract then I said so how can you charge someone for these charges she said nothing. I think it's unfair and predator for this bank or any bank to do these types of practices and I don't think I should be liable for these charges. The card balance was {$5000.00} and I was charged over {$7000.00} in unauthorized charges due to this banking problem that violates the truth in-lending law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
hello, since you responded to my last complaint that my loan is no longer with you - then that means that obviously at one point is was.

therefore, i am requesting AGAIN for any and all documentation you have regarding said loan. 

thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: SYNCHRONY FINANCIAL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Since XXXX, I have been disputing Synchrony bank over the validity of a Walmart account on my credit report. The account, along with several others, from Synchrony bank, was fraudulently opened between XX/XX/XXXX and XX/XX/XXXX. The Walmart card was opened XX/XX/XXXX according to my credit report. It was not until XXXX that I discovered these accounts while trying to obtain credit. I later found that two accounts were opened for Walmart through Synchrony bank. After disputing and sending police report, one of the accounts was removed. The other Walmart account was not and I had to do a settlement Synchrony in order to obtain my home loan. I was informed that the trade line would be removed just like the first Walmart account. It has not. Since then, I have submitted numerous disputes to no avail. I spoke to several representatives today for both Synchrony and XXXX XXXX XXXX as they acquired some Walmart accounts in XXXX ). When speaking to supervisors for both, they both inform that they do not have record of the account and to call the other. I have been going in circles for month with the Credit Bureaus as they tell me that someone is " blocking '' the dispute but both companies say that they do not have it. They both state that they have no record when looking up the account using my social, birthdate or account number and that they can not do a dispute with the credit bureau on my behalf because they do not see any account for Walmart for me. I am also having the same issue with my XXXX account, yet they still somehow show verified. When I initially did the police report, I only reported two accounts from Synchrony and throughout the year became aware of more as the year went on. They utilized the police report for other accounts, including the second Walmart account, as they found it suspicious that many of the accounts were opened on the same day and/or within a short time period from each other. These accounts are hurting my score and everytime I dispute they seem to hurt my score even more as they report it as if it is a new debt. At this point, I have become increasingly frustrated as I am already dealing with financial issues surrounding COVID and to have both companies telling me they can not help in this matter does not make it better. I have even paid these accounts that were fraudulently obtained in the first place and I still can not get any resolution.

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 2019-07-05
Company: REGIONS FINANCIAL CORPORATION
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:
XX/XX/2019 I closed my line of credit account with Regions bank. I have been I. Touch to settle the account also. I did a dispute with credit bureaus because I the consumer closed this account they will not report to the credit bureaus I closed this account. I have Wrote and called still this account is not reporting as closed by the consumer. I want the account closed as I ask them and report it correctly to the 3 bureaus. 
I also wrote to settle the account they are asking me for my tax returns and I have provided them my income from my employer I work part time now and wanted to settle this account. They said I need to provide my taxes return I file jointly with my husband I dont deel his information needs to be in there possession. Please help me get this account closed dating back to XX/XX/XXXXwhen I requested to close it.

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 2023-11-02
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to formally dispute the presence of inaccurate addresses and inquiries on my credit report, which are adversely affecting my creditworthiness. I kindly request that you investigate and remove these discrepancies as part of my first attempt to correct my credit file. 

I did not apply for credit with these creditors or provide my consent for these inquiries. I request that you remove these unauthorized inquiries from my credit report. 

I have attached supporting documents, such as copies of my official identification and proof of residency, to verify my current address and confirm that the listed addresses are indeed inaccurate. Additionally, I have not initiated any credit applications with the mentioned creditors. 

I am well aware of my rights under the Fair Credit Reporting Act and request that you conduct a thorough investigation into these inaccuracies. I expect that you will complete this process within the legally mandated timeframe and inform me of the resolution as soon as possible. 

In compliance with the law, I also request a written explanation of the steps you have taken during your investigation and any updates or changes made to my credit report as a result. I am asking for your assistance to remove these fraud items in my credit file : 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 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 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 2021-05-05
Company: SLM CORPORATION
State: LA
Product: Student loan
Sub-product: Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I'm having an issue with a debt collector for a student loan. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, ( XXXX ) contacted me yesterday by phone to collect on a student loan debt. My son and I have the same name, but he's referred to as XXXX XXXX XXXX. He makes payments on the debt. I've requested in writing to XXXX that they only contact me in writing ( not by phone ). I explained to the rep that I would call my son and have him check on his payments. The rep was very aggressive and would not accept my reply-so I ended the call. My son made a payment that day- but I was informed that my credit was pulled that day without my consent for new account activity. When my son called to find out why, they explained that they can pull my credit at anytime. 

I believe this was done in retaliation. I would like to file a formal complaint about XXXX 's methods and procedures for collecting debts. As stated, I've requested from them several times not to contact me by phone. XXXX 's tactics are meant to financially harm consumers by distorting credit reportings.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
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 information incorrect

Complaint:
Two issues : XXXX. XXXX XXXX XXXX XXXX is reporting in accurate information about my account number XXXX to both Transunion and XXXX. XXXX is correct. As you can see that on XXXX they updated on XX/XX/28, but on Transunion and XXXX they didn't report for XXXX. Since XX/XX/XXXX I have paid flagship a total of {$2300.00}. 

XXXX. XXXXXXXX XXXX XXXX says I have a past due of {$20.00}. I made a payment twice to get that addressed 3 times ( XX/XX/XXXX and XX/XX/XXXX ), but as you can see by my current statement and online they still say I have a {$20.00} past due. I called on XX/XX/XXXX and they said that they would remove the past due and it is still on my account, yet I have now tried three times to get it corrected and have paid them 3 times now, a {$100.00} payment on XX/XX/XXXX {$100.00}. 

XXXX. On XXXX and Transunion they show 2 late payments, but on XXXX they show 1. 

This account is affecting my credit score and my ability to obtain financing for a house and a new vehicle.

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 2021-01-12
Company: AmeriCollect
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
AMERICOLLECT INC Has illegally placed 3 collections for a total of XXXX dollars on my XX/XX/XXXX consumer report, they have violated my FDCPA rights by not contacting me before reporting this fraudulent debt, they have also failed to validate this debt as it was an result of Identity Theft, and they have illegally shared my information without my consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: HCFS Healthcare Financial Services of TeamHealth
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I just happen to look on my credit report and seen two inaccurate report 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 explanation
Consumer complaint received 2023-11-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Citizens Pay showed up on my credit report. Ive I contacted them in writing & several phone calls. They closed the account. The have never asked me to pay the loan but refuse to remove it from my credit report. The report good & late payments to my file & continue to damage my credit score. I have filed a identity theft report with the gov.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: Santander Consumer USA Holdings Inc.
State: TX
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:
Inaccurate and Improper Reporting on CRA 's which is defaming my character and violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: Lending Club Corp
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
i fell behind. the lender wrote off the debt. they show that on my credit report. It then sold the debt and I am currently making payments. those payments are not reflected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023 I used a ATM in New York. I called Citizens Bank to raise my ATM limit and with a Citizens employee on the phone with me the entire time, I tried to make 3 transactions for {$500.00} each. NO money came out of that ATM. Citizens took the {$1500.00} plus fees out of my account. The Citizens employee was aware of this and filed a dispute. About two weeks later the money was returned to my account. XX/XX/2023 Citizens sent a letter stating that there was no issue at the ATM and took the {$1500.00} back out of my account causing overdraft. My bills are being returned and my credit score has dropped because of this. Citizens then said they would report me to check systems because my account has been overdrawn. Ive called them multiple times requesting that they correct their mistake only to have the issue not corrected. Citizens has sent me letters saying their decision stands. Thats all they say with no explanation. Ive even asked the employees at Citizens to show me where they got their decision from and not one person would answer my question.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
I want to start off first with XXXX. I have sent my equipment back and there is no reason why I should be in collections. The second is XXXX XXXX XXXX they sent a letter claiming the debt was verified but that is hearsay. I return the equipment both these company are trying to pull and fast one and get money out of me

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 2019-07-05
Company: EQUIFAX, INC.
State: OR
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:
I have had an auto loan with XXXX XXXX XXXX since XX/XX/XXXX-account number XXXX. I have made every payment on time. They have only sparingly reported my payment history to the credit bureaus. Their address is XXXX XXXX XXXX, XXXX XXXX, TX XXXX. 

I wrote them on XX/XX/XXXXasking them to report my credit history accurately. I received a letter dated XX/XX/XXXXstating that they were reporting the information accurately. 

I have written, Equifax, XXXX  and XXXX  asking that the missing information be reported. I have only heard back from XXXX which said the disputed information does not appear on my report. They said nothing about asking XXXX to provide it. 

I have a credit report service and it shows that none of the bureaus is reporting the XXXX account. 

Could you please contact XXXX XXXX XXXX and ask them to provide the missing credit history to all three bureaus? 

Thank you. 

Ps. I tried to enter the last 4 of my SSN and your system rearranged the numbers. My SSN is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 disputed late payments on this open account with the three bureaus several times, and these accounts have not been updated to good standing. I have explained to them that some of the late payments information is inaccurate, also that I had a slip and fall on XX/XX/2017, which I already provided proof for, and wasn't able to work so I fell back on my bills, and I've been able to pay on this account for the past few years on time when I was able, but they just updated the account instead of putting the account in good standing -XXXX XXXX Account XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was laid off due to Covid-19 and was not able to make mortgage payments during my time of unemployment so i entered a forbearance plan with my mortgage servicer, Shellpoint Mortgage Service ( NewRez LLC NMLS ID # XXXX XXXX. 

After re-gaining employment through a contract job, I informed Shellpoint that I will be able to start making payments but would not be able to pay the full amount all at once.

I was told by the Shellpoint agent assigned to my case that they would offer a 3 month loan deferral to the end of the loan and a payment plan for the remaining 6 months of the total forbearance.

I accepted this offer but when trying to make a payment, their online portal would not allow me to as it said it was locked. A few weeks after having this conversation and waiting for documentation from Shellpoint, they starting adding late fees to my scheduled Mortgage payments while I was still locked out of making a payment.

Now the Shellpoint agent assigned to me has not returned any of my calls for over a month and will not call back after scheduling appointments either. When speaking to other Shellpoint representatives, they refuse to acknowledge the payment plan + loan deferral I agreed to with the original Shellpoint agent and they all request that the full outstanding loan to be paid at once.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation