BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-21
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
On XX/XX/2023, at the XXXX XXXX XXXX. I discussed purchasing some products from a XXXX XXXX sales representative named XXXX XXXX. We got to the point of discussing price, but never agreed to a purchase. I did not even know about a credit application, as that was not discussed at all. XXXX requested a signature, but I refused and specifically stated that I was not purchasing. I was clear, and there was zero confusion about my refusal. 
Despite my refusal, and in what I consider blatant fraud, an order for the product was placed, and this credit account was opened.

Company response to consumer: In progress
Consumer complaint received 2018-05-11
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: Information belongs to someone else

Complaint:
I have been a victim of identity theft. I am a single mother who is also an XXXX. 
This damage to my life has caused my little XXXX XXXX   additional damage. 
I have filed a police report and used your Federal Trade Commission affidavit. 
I feel all alone here. 
These companies like XXXX XXXX, Equifax and XXXX  are reporting things against me they can not substantiate. 
What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I am XXXX XXXX XXXX XXXX, I am submitting this complaint myself and there is no third party involved. 
I, XXXX XXXX XXXX XXXX, consumer, natural person and original creditor of an open end credit plan. I received a CITIBANK NATIONAL ASSOCIATION, doing business as CITIBANK credit card ( citicard ) in XX/XX/2021 with a limit of XXXX XXXX dollars. In XX/XX/2021, I received an alert text message says that my limit was dropped to XXXX XXXX, XXXX XXXX dollars. I never missed a payment. I was never late on a payment either. I called the CITIBANK customer service, to inquire why would the limit was dropped. The service agent that I spoke with with, was unable to answer my question. She said an explanation would be mailed out to me.I called back XXXX, XXXX and XXXX, inquiring about the decrease in the credit limit. All along, still not missing a payment or making any late payments. I have NOT received any information on the phone or by mail, on why my limit was decreased. I always confirm my mailing address, with every call. I spoke with supervisors, and still I have not received any information, on why this trangression of my rights was taking place or why I am being denied my right of credit by CITIBANK NATIONAL ASSOCIATION. According to 15 USC 1602 definitions of The Truth and Lending Act, I as a natural person possessing an open-end credit plan was harmed by CITIBANK NATIONAL ASSOCIATION , adverse action taken against me denying my rights of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( II ) are up to ( {$5000.00} ) CITIBANK NATIONAL ACCOCIATION , doing buiness as CITIBANK is now civily liable to pay me for the damages.

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 2021-05-24
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I am trying to withdraw funds from my PayPal account and apparently my account is frozen because of some crypto currency transactions that I made. The crazy part is that I have only made 2 crypto currency transactions in my life, both of which were through their website. I bought XXXX dollars worth of the crypto currency back in XXXX and then sold it 2 days later because it had already fallen to a value of {$27.00}. Then I was paying off a purchase that I had made in XXXX of this year and it was their pay in four payments deal that they have. Well on the final payment I decided to pay it a little early to just get it over with and then they went ahead and automatically took my payment out of my personal bank account. I figured it was a mistake so I waited a couple of days and then it popped back up in my PayPal account as a refund. It is only {$83.00} that I am talking about here but it is the principle that they shouldn't be able to just decide to hold people 's money when they feel like it. I went to log on and transfer the money to my main bank account and was informed that my account was frozen because of transactions on my account that are out of normal pattern, and then in another conversation I was told that it is because of the crypto currency transactions that were made 100 % through their site. Please help?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21
Company: EQUIFAX, 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 requested my credit report and saw that I had a mixed file. I contacted Equifax to fix the information by submitting a dispute online but wasn't able to. That happened in XX/XX/. I called them and tried to submit a dispute over the phone. They weren't able to do it. I sent in mail to fix the dispute in XX/XX/, but they haven't fixed it since. It is now XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: Navient Solutions, LLC.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Pioneer Credit Recovery , Inc acting as a debt collector violated the FDCPA several times. I sent them certified mail requesting validation of debt followed by certified Cease and Desist, Affidavit, and invoice. Pioneer Credit Recovery , Inc violated FDCPA 15 USC 1692b2 and 15 USC 1692f1 twice. They are liable both criminally and civilly and the invoice to be paid for the 3 violations documented. Proof Pioneer Credit Recovery , Inc signed for notarized documents sent and failed to respond.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
At the time of our application XXXX XX/XX/2020 ) were told the minimum credit score requirements for loan approval were XXXX. As we went through the application process, required repairs had to be made in order for the loan to be considered and approved. Since we were planning on utilizing funds from the XXXX to complete those repairs we had to use alternative financing ( credit cards ). After many delays due to supply chain issue 's because of COVID repairs were finally completed, we notified our loan officer XXXX XXXX 2020 ) and we were able to continue the loan request process. We received conditional approval XXXX XX/XX/2020 ). The home was then appraised, we received notification the XXXX  was in final review and we would be contacted shortly to schedule a closing. I was notified at midnight by email that we no longer qualified because of credit score had fallen ( due to high credit card utilization ) below the new requirement of XXXX. We were 100 % misled the entire time. 

At NO TIME were notified of the new requirements or even contacted that the second credit pull would be completed. Had we been given the information of the new credit score requirement we could have made different financial decision to avoid this unfair outcome. 

We contacted CITIZENS and requested an exception. The request was sent to the manager, it has been over a week since the request and they are now no longer communicating with us, we can not get anyone to return our calls or respond to emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have NO knowledge of the account/s being reported by this company!! I HAVE NEVER SIGNED A CONTRACT WITH THIS COMPANY. I HAVE NEVER HEARD OF THIS COMPANY!! I AM VERY UPSET THAT THIS COMPANY HAS MY PERSONAL INFORMATION. I AM HIGHLY EMOTIONALLY UPSET THAT THIS COMPANY IS CONTACTING ME!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-15
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:
The Bank sent letters dated XX/XX/2019, offering a thirty ( 30 ) percent discount on the balance owed on on my loan accounts. This offer was not prompted by me, none of my loans were in default or past due. It was presented to me as a " special offer '' to " select borrowers ''. As it was a good business decision, I took the offers and paid off the loans at the discounted rate. Of the three Credit Reporting Agencies, two have seen that this was not a derogatory action to my credit, and have Reported Accurately. However, Experian continues to report my credit score 200 points below the other agencies credit scores. In addition, Experian is inaccurately reporting my available credit to be {$25000.00}, when all other Credit Reporting Agencies are showing more than 20 times that amount. I am in the process of purchasing a home and this inaccurate reporting is causing irreparable harm to my Credit and Financial well being. I filed disputes with Experian, they closed the file pushing blame on the Bank, I spoke to the Bank and they stated they reported accurately and it should not be listed as a derogatory mark. Experian closed the file with no explanation. I have an account with then and pay for their services, for which, they claim they can do nothing. 
Please help me to fix this problem and prevent others from being harmed in this deceptive trade practice by Experian.

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 2023-08-03
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 status incorrect

Complaint:
Subject : Complaint Regarding XXXX XXXX XXXX Dear CFPB, I am writing to file a formal complaint against XXXX XXXX XXXX concerning the accuracy and reporting practices of an account listed on my credit report. 

The account in question is identified as XXXX and is associated with XXXX XXXX XXXX XXXX However, I have noticed that the credit report indicates that XXXX XXXX has acquired the debt from XXXX XXXX XXXX. Despite this, XXXX XXXX XXXX continues to report this account on my credit file, which I believe is a violation of the Fair Credit Reporting Act ( FCRA ). 

As per the FCRA guidelines, specifically under 15 U.S.C. 1681s-2 ( a ) ( 5 ), once a debt has been sold or transferred to a new company, the original creditor ( XXXX XXXX XXXX XXXX XXXX no longer responsible for reporting it. The responsibility for reporting the debt now lies with the new company ( XXXX XXXX ), who currently owns the debt. 

By continuing to report this account on my credit report, XXXX XXXX XXXX is potentially violating the FCRA 's provisions that govern accurate and timely reporting of information to credit bureaus. 

I believe that XXXX XXXX XXXX should update my credit report to reflect that the account has been sold or transferred to XXXX XXXX and remove any reference to this account from their reporting. 

Enclosed is supporting documentation from the credit report, clearly showing that XXXX XXXX has acquired the debt from XXXX XXXX XXXX. 

I kindly request that the Consumer Financial Protection Bureau investigates this matter thoroughly to ensure that XXXX XXXX XXXX complies with the FCRA and accurately reports my credit information. 

Please provide me with a written response once the investigation is complete and appropriate action has been taken to rectify the situation. 

Thank you for your prompt attention to this complaint. I look forward to a resolution that upholds my consumer rights and ensures fair credit reporting practices. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23
Company: Maximus Education, LLC dba Aidvantage
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:
I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Select Portfolio Servicing bought my mortgage from my previous mortgage lender XXXX XXXX on XX/XX/2019. Right away, SPS they told me that I had not made a payment for XX/XX/XXXX to XXXX XXXX, and that I was already behind. 

I contacted XXXX XXXX to make sure they processed my XX/XX/XXXX payment and that all previous payments were up to date. XXXX XXXX sent me a copy of all transactions showing that everything was fine, including my XX/XX/XXXX payment. 

SPS has decided, even with a copy of the transaction from XXXX XXXX and my personal bank statement showing the transaction, to Not recognize the payment to XXXX XXXX XXXX. 

SPS has also inflated my escrow monthly balance to XXXX. The tax amount on my property is {$1100.00} annually, and my insurance is about {$1100.00}. I have asked SPS for documentation for the escrow overage, but they will not provide me with the documentation as of today. 

I had made a payment ( s ) to SPS in the amount of {$1000.00} in XX/XX/XXXX and another payment in the amount of {$1000.00} in XX/XX/XXXX.

I received a notified letter from SPS over the weekend, that my loan is in default, so I am seeking help. 

Thank you, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I only found that that I am in collections from " FIDELITY CREDITOR SERVICE '' due to my credit report. I have never received a call, letter or any sort of communication from this company. on my credit report, it shows that they have started a collection back in XX/XX/XXXX which a have no recollection of and no proof for validation of the money owed of {$2000.00}. I wound appreciate to resolve this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Good Morning, I need help, please. On XX/XX/XXXX, I received a letter in the mail from Freedom Mortgage stating I qualified for the Covid-19 Loan Modification. On XX/XX/XXXX I signed the form and sent it to the Loss Mitigation department as requested, On XX/XX/2021, I was sent another Covid-19 Loan Modification notifying the first one, which I did not know that until I made a phone call to get an update on the status, during this time I was still making partial payments to try to keep from going into foreclosure, the customer care rep. stated that I should continue to make the payments and that the Covid-19 Loss Modification was approved I should receive something in the mail by XX/XX/XXXX it never came. I called Freedom Mortgage spoke to XXXX. XXXX said everything was approved and to make the XXXX payment of XXXX which is the modified loan payment, however, I have not received anything in writing if I make the XXXX payment it will go towards the exiting loan. Here is XX/XX/XXXX and I still have not received anything from them nor has the loan been updated. I was told not to make any more payments towards the old loan. If I stop making the payment it will seem that I am abandoning the loan which is not the case, then they will be able to foreclose on the house once everything is lifted. I have had close communications with Freedom Mortgage, but it seems they are not working in my favor. I don't know who to speak to or where to go. I honestly believe they are trying to foreclose on the house. Can someone please tell me what to do? Thank you

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 2020-04-11
Company: Experian Information Solutions Inc.
State: OH
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 would like to request a security freeze placed on my Credit Report. 
I choose to opt-out of your disclosing future information until further notice including the any access to my personal financial ID and SS #. 
This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. I have several errors on my file from my addresses name and unverified account. Fist up My accurate and only name is XXXX XXXX XXXX please remove any other variation of my name. Please remove the following SS XXXX it is not mine SS # my correct SS XXXX. My current and only address is XXXX XXXX XXXX XXXX OH XXXX please delete/remove the following XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX NEW XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX PLEASE OBTAIN VALID ADDRESS XXXX   XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX , OH 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 2021-05-24
Company: Dovenmuehle Mortgage, Inc.
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dovenmuehle Mortgage, servicer on behalf of XXXX XXXX, allows customers to sign up for bi-weekly, or bi-monthly payment services. However, both services require the consumer to pay a half-month 's payment in advance to start these services. The servicer allows consumers to start service by sending a voided check via mail or fax, along with their half payment through any means. The half payment can be collected via their online portal. However, the online portal enforces that the user can not pay for this half payment without treating it as a principal only payment. The only alternative, is to pay via telephone or by check, and incur a fee the consumer can not avoid. As a result, the consumer ( including myself ) receives a delinquency notice even though my mortgage is current, and payment has already been processed. While I realize online portals are often difficult to maintain and offer a lot of underlying services to consumers, forcing customers into situations where they do not realize how these things impact them is basically fraud. I have contacted the company, whom claims I can resume my bi-weekly payment service if and only if I make two more in-full payments, and can not avoid my late payment fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: Colony Brands, Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
UNAUTHORIZED NO SIGNATURE HARD PULLS FROM XXXX XXXX, XX/XX/2019, XXXX  XXXX XXXX, A FRAUDULENT PULL, AND XXXX  DUPLICATED PULLS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
In XX/XX/2018 XXXX  XXXX XXXX reported to credi bureaus 30 day late. This is incorrect. Please provide proof.

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