BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-11
Company: Apothaker & Associates, PC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I had a family issue that caused me to take custody of my nephews in XX/XX/XXXX. It had placed a financial burden on my family as I couldnt work due to their needs. This caused me to miss payments, etc. I was going to file for bankruptcy but decided to try to negotiate settlements with the card companies. I couldnt get a settlement with XXXX and then XXXX XXXX bought the debt. They sued me through Apothaker Scian. I set up a payment plan and everything was going well until XX/XX/XXXX when XXXX erroneously charged me twice. While this happened, it caused my payment to be returned to Apothaker Scian and I didnt realize this had happened. Honestly I deposit enough for the bills and then have everything set up automatically so I dont check the account as often as I should. Apothaker Scian said they notified me by mail that the payment was returned but I never received any communication from them. Maybe lost in the mail?!? However, they never tried to resubmit the payment or tried pulling funds for any subsequent payments that I had preauthorized. They have no frozen my bank account and have caused more damage ( missed daycare payment, insurance payment, late fees, etc ) all over a relatively small amount owed. Especially during a pandemic ( we maybe coming out of it now? ) when everything is rising and things are already tough for many people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-04-06
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-04-06
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On saturday XX/XX/2022, I submitted a check i received from a trusted person. The amount totaling XXXX. Huntington bank held it, put a hold on my account and as of XX/XX/2022, my account is closing and the Huntington is sending the check back. The trusted person 's check was certified and he is very upset about it, as am I.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17
Company: Guild Mortgage Company LLC
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a mortgage loan with Guild Mortgage and they have XXXX up my mortgage and I now have a sale date scheduled for XX/XX/2018. My loan is a VA loan, but Guild Mortgage literally haw never provided me one opportunity to get assistance. I suffered a severe health issue last year and fell behind on two of my mortgage payments, but got caught up after I came off doctor ordered bed rest and paid them the {$3000.00} I owed them. When I tried to make the next months payment, Guild Mortgage refused my money and said they could not take my payment. I believe they thought I was in foreclosure and did not properly account for the payments I already made. I was arguing with them for awhile, but gave up. 
Then a couple of months later I contacted them and they said I owed them {$3000.00} again, but they would not take my payment. When I asked for help their representatives ignored me and told me I had to contact HUD for help. This isnt true and they should have helped me through some type of assistance program. I contacted a law firm to help me, but they were a scam and stole thousands of dollars from me. Now Guild Mortgage has taken me down the path to losing my home through foreclosure. I have significant equity in my home and I believe that they just want to cash in on my home. I have plenty of income to afford a reasonable mortgage payment, but have not been given the opportunity to get back on track. Guild Mortgage must be the worst mortgage company in the world and I need help getting through to them. I am hoping that you could contact them and see if they followed government guidelines regarding assistance programs for VA loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: VYSTAR CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX XXXX Vystar Account This incident started during the time Vystar was having major systems issues. My daughter participated in XXXX ( Data Buster Sunmer Program ) were the earned money for the participation. And as XXXX recieved her wages by paper check she would then upload them to her account. And with Vystar system issue it was not notifying her that the online deposits were processed or accepted. She made multiple attempts to deposit in both her Checking and Savings Accounts, which caused her to have two additional payments deposited into her checking account and one in her savings account. 

When XXXX noticed the overpayment she made me aware. And I then contacted multiple agent over the phone at Vystar to assist with the matter. At first I was told nothing could be done. And finally, an agent contacted the deposit team at my request to place the funds on hold. And now being under the impression this matter has been resolved. The explanation given was that once the federal reserve notices the duplicate checks ( quadruple to me ) they would then reverse the payments in her account, which then would allow the funds on hold to balance her account. The hold would be released in the account after 10 business days and then an extended hold would be added if needed. 


I no longer worried about the matter, under the impressionthe matter was resolved. To then recieve a letter for both of us regarding a negative blaance for both her Savings and Checking Account. To find out when I contacted Vystar the money was added back in her account and XXXX requested the payments be returned and now she's owes a balance in the over six months later is absurd. 

I was told it took six months for them to realize the checks were duplicate payments. And only allowed them to use XXXX  or XXXX XXXX. I never received statement from them during the duration of her membership, nor did she request electronic statements. Or information to notify her the her account was in the negative. 


But the worst part of all was I was listed as an joint owner that I did agree to. I asked for the same type of account my daughter who is also a member to have that did not require me to become joint member.

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 2023-06-01
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I've sent multiple written letters requesting for proof of validation of the debt and have not received this information. I continue to get verified letters with out proof. 
Here is the information for Experian Account Name : XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX Original Creditor : : XXXX XXXX Account Name : XXXX XXXX XXXX Original Creditor : : XXXX XXXX  Account Name : : 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 2023-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I received a billing statement with a balance of {$1700.00} that reported that I needed to submit payment before the payment due date of XX/XX/XXXX. I sent payment in full for {$1700.00} in a legal tender payment form via mail on XX/XX/XXXX. I called Capital One and they confirmed that they received my mailed-in payment on XX/XX/XXXX and would process payment accordingly. On XX/XX/XXXX I checked to see if the account balance was updated but I realized that they did not apply my payment to my account. Capital One then reported the closing of the account to XXXX and all other credit reporting bureaus on XX/XX/XXXX without correctly the billing error of the account balance or letting me know why they decided to close the account. Instead, they reported a new interest-increased balance month to month without the application of my payment. They are reporting the account as closed but increasing the account balance each month requesting I repay a new balance without acknowledging that my original payment has not been applied to my account. I sent letters on XXXX XX/XX/XXXX, XXXX, and XX/XX/XXXX all in an effort to correct this but Capital One has refused to do so. Now they have reported a balance of {$1900.00} on my consumer report without adjusting my payment of {$1700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: EQUIFAX, INC.
State: AZ
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 mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
There are late payments and other accounts that are reported late and charged off that are not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: EQUIFAX, 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:
Equifax and XXXX are reporting an incorrect coding of the XXXX XXXX - partial account number XXXX. ( Please see page 6 and 7 of the  attached credit report. ) This account needs to be coded as an M1. It is showing that I am 30 days past due. This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act.. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: LEXISNEXIS
State: NV
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:
On XX/XX/XXXX I submitted a dispute to LexisNexis, I never received a letter from LexisNexis with the dispute resolution even that now is more than 30 days that I submitted the dispute to them. Per LexisNexis agents the Bankruptcy disputed was removed from my Consumer Report, but as I mentioned before I never received a letter from LexisNexis with the dispute resolution but I did received a Consumer Report and I was able to confirm that the Bankruptcy is not reported anymore. 
After I was able to confirm that the Bankruptcy was removed I opened a dispute with XXXX, XXXX and XXXX. 
On XX/XX/XXXX I received a notification from XXXX that the dispute was completed and I got the Report # XXXX with the following resolution to my dispute : Item : Remains The company that reported the information ( LexisNexis ) has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

This is the clause in XXXX Credit report about Public Records XXXX Public Records Information If your report contains public records, the Public Records section includes items from courts that XXXX may have obtained through a third party vendor, LexisNexis Risk XXXX XXXX XXXX You may contact them at LexisNexis XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX, or visiXXXX XXXX XXXX XXXX 

LexisNexis and XXXX and playing games with the consumers, when I called LexisNexis about this situation they said that the public record ( bankruptcy ) was removed from my consumer report and is not longer been reported, and they also say that they don't report information to XXXX  and any other credit bureau. But when I call XXXX they say that LexisNexis is the one verifying and reporting the Bankruptcy to my XXXX Credit Report. 
I am attaching all the documents that I have to support this claim and/or complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: AMERICAN EXPRESS COMPANY
State: IL
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:
According to American Express, I enrolled in premium car rental protection online in 2014, which I don't believe I did. In years past charges of {$24.00} were automatically added to my card when I rented a car using their credit card. I had disputed the charges and they said they would cancel this automatic charge of {$24.00} when I rented a car using this card. That has not been the case, I received another {$24.00} charge and was told it was not cancelled until this year on XX/XX/XXXX, which is not true ... it was cancelled years ago.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-17
Company: EQUIFAX, INC.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXXXXXX AND EQUIFAX HAVE AN UNSPOKEN AGREEMNET TO COMMIT COLLECTION FRAUD, BY ALLOWING THEM TO REPORT DUPLICATED COLLECTION ACCOUNT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-11
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: Account status incorrect

Complaint:
This is my 5th attempt to get this matter handled. Experian is failing to update my credit report & is in violations of FCRA Sections 611, 616 & 617. I disputed a late payment with XXXX XXXX XXXX XXXX which the furnisher responded to me claiming they were correcting the issue. Experian has failed to update their records & has claimed it was verified. I submitted a letter which XXXX XXXX sent to me claiming they were correcting their records EXPERIAN is not updating this account & it's impacting my ability to get a loan. It is also creating a ton of emotional & physical stress because of all their antics to NOT comply with FCRA laws. I need to account update to closed/never late.

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 2019-04-02
Company: EQUIFAX, INC.
State: AL
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:
My information was used to create accounts or obtain services that I never requested or recieved, these debts are medical in nature and are therefore violations of the HIPPA making me seem unhealthy or sickly unwarranted I decline the requests to do business with the collection companies on my credit reports at XXXX, Equifax, XXXX XXXX and XXXX have them to delete these illegal accounts which are violations of the FCRA and FDCA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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've tried to resolve this issue with the company, these unverified/ fraudulent accounts do not belong to me. I have not received any legal proof or anything with my signature.

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 2023-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-07-06
Company: Experian Information Solutions Inc.
State: GA
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:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XXXX XXXX XXXX  Date of Inquiry XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 non-monetary relief
Consumer complaint received 2022-09-16
Company: Freedom Mortgage Company
State: IN
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XX/XX/XXXX I requested a forbearance from my mortgage company XXXX Mortgage. In XX/XX/XXXX I called them to let the know that I was in a position to start resuming my payments, and needed to speak with someone about an exiting plan. They informed me I needed to pay {$1400.00} for a 3 month period as a trial basis with a lowered interest rate, and said nothing to me about anything else. A couple months passed and I received a letter in the mail saying my mortgage had been sold to another company Freedom Mortgage. In XX/XX/XXXX I called Freedom Mortgage, who then informed me they were sending me a loan modification package in the mail. Once I received it nothing in there was anything anyone had ever discussed with me. I called Freedom to discuss this issue with them, and to go over what was discussed originally about any overdue amount being deferred. Freedom Mortgage denied and completely refused to assist me in any way to go that route with my package when that was the original plan of executing it to begin with. As I looked through their package it even has the XXXX plan on there and the payment plans are completely different that what Freedom came up with. I questioned Freedom about why they accepted an incentive payment from one of the big mortgage brokers if it was in my best interest instead of theirs and their actual services relationships interest. They said the incentives that were showing on my statement for {$500.00} they were crediting to my acct. but I didnt see and subtractions off my balances anywhere. Along with those 3 payments made to XXXX as well. After countless inquiries with no answers and earlier off the wall responses that seemed more like blatant lies, Ive lost trust and any faith in this financial institution to do the moral thing when going about normal everyday business practices.

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