BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-24
Company: Continental Finance Company, LLC
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I called months back when I was in a financial bind and asked if they had any programs to allow me to pay but without hurting my credit. 
I was advised when I asked multiple times as my account was current and is still current that I did not want to enter into any financial program or agreement if it would report adverse or negative on my credit. 
I was promised it would not. 
however I pulled my free annual credit report and discovered I was lied to. 

this account is reported as a adverse account which is harming my credit. 

if I was not lied to I would have just left the account alone as I was current and still am. 
I have never had a late reported. 

but because it has a remark now saying paying partial agreement its showing as a adverse. 

this is frustrating when I asked numerous times and was basically lied to and now my credit is taking a hit.

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 2021-03-16
Company: FISERV INC.
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
Received a {$600.00} XXXX  card recently. Apparently I either did not create a password or did not record the password correctly because I am unable to use it : getting a password incorrect message. So I called the customer service number on the back of the card ( XXXX XXXX XXXX XXXX ) because I read on XXXX that if I phoned customer service I would be able to reset the password. 

Unfortunately, upon reaching customer service I am asked for the XXXX card number and then its password! The recording would not let me continue without the password. I tried several different options from the recording but can get no place without the password ( which is why I am calling ). I am reaching out to you in hopes of resolving the problem or at least alerting someone to the issue. Thank you. 

XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/20 when I checked my Bank of America account balance online, I found a withdrawal of {$5500.00} and a {$36.00} fee. I immediately contacted the bank and filed a fraud claim. On XX/XX/20 I received a response from the bank denying my fraud claim. The reason was that 'the account owners identification was used to negotiate the check. The bank was not notified that your identification was lost or stolen. ' I called the fraud department at bank of America to find out more. They claim that somebody walked into a branch and showed them a driver 's license that was accepted by the teller to deposit fraudulent checks and withdraw all the cash, {$4900.00}. I told them that my ID was not lost or stolen and that they gave the money from my account to somebody impersonating me. 

They refused to tell me what branch of the bank was used, only that it was XXXX from my house, nor did they tell me the time of the day it happened. They refused to show me footage from the security camera without a subpoena. They refused to tell if they made a copy of the ID that was presented. They are refusing to review their security video that would prove that it was not me. They are refusing to reopen the claim. 

I did file a police 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 monetary relief
Consumer complaint received 2023-06-16
Company: Shellpoint Partners, LLC
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In XX/XX/XXXX I attempted to make a payment to Newrez my mortgage servicer. The payment was allegedly return for a consolidated funds. Then in XXXX new, Rez reported my mortgage 30 days delinquent. Upon discovering this on my credit report in XX/XX/XXXX I disputed it with Newrez. I sent them proof I had sufficient funds and that my bank has no record of any ACH transactions from Newrez in the month of XX/XX/XXXX. They responded in XXXX. The response said there was insufficient evidence to prove that my payment wasnt a banking error. So I resubmitted the exact same dispute in XXXX with the same information that being bank statement showing I had sufficient funds and proof that I attempted to pay the payment on time. Than 30 days later, they responded, asking for more time due to the difficulty of this investigation. I have yet to receive any information if theyre gon na remove this from my credit report and it has been over 90 days since the initial dispute. As well can not speak to anybody in the credit reporting department only can speak to customer service representatives and they cant speak to anybody that department as well. The light payment is causing financial for tripping my life due to not be able to move for a new job so now I am forced to commute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: Conduent Incorporated
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
XXXX never received a card from unemployment fl. been waiting still waiting but yet its active but i see nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX I got laid off from work due to XXXX  XXXX and the XXXX. Since then Ive been on a Forbearance. As of XX/XX/XXXX XXXX still in forbearance until XX/XX/XXXX As part of the recently enacted Coronavirus Aid, Relief and Economic Security ( CARES XXXX Act, mortgage accounts in forbearance as a result of XXXX can not be reported negatively to the credit bureaus by lenders. 

During this time PHH mortgage negatively impacted my credit reports by submitting that I am XXXX days late. I am not late Im in forbearance. I have an XXXX  loan. 
My XXXX  XXXX is XXXX XXXX XXXX Ive sent XXXX emails with no response! 
Their number is 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 2021-06-15
Company: Smith, Cohen & Rosenberg LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
In XX/XX/2020, I hired a copywriter who was persistently contacting me, rude, etc. Therefore I cancelled the relationship. I owed a balance and agreed to pay. The pandemic affected our business financially ( which was not why we discontinued ) but we notified that there would be a delay in payment. 

She hired an collector in XX/XX/2020. I notified them I was in the process of stabilizing my company financially, etc. and I would contact them once we stabilized. Repeated phone calls, emails, text messages ensued. Every week since XX/XX/2020. 

Finally, I was able to pay something however an emergency occurred and was unable to process payment. Again I notified them. 

I am currently waiting for another round of funding from the XXXX, the expansion XXXX. I notified them on my intent to pay once that went through. We have been waiting patiently during this process with the government. Again, notified them. Instead of listening they demand I pick up the phone when they call - which I am with patients as a doctor and am not able to just pick up the phone in a procedure. 

Not only that they call, text, email, call my office, leave messages, send text messages EVERY DAY since XXXX. After I have asked them to stop repeatedly and explained where we are with this case. This was a business account, yet they filed it on my personal credit. I have an XXXX XXXX. I am not a sole proprietor. I did not sign a personal guarantor. This is only a business debt and not a personal one. I explained that was not legal as well and they stated it depended on what state I am - actually not. I am tired of the constant harassments daily. I will pay the bill, but not under these conditions or in their time. We have all suffered from the pandemic- and I have communicated the entire time. I do not deserve to be treated this way. This is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: ENCORE CAPITAL GROUP INC.
State: ME
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2017 Midland Funding opened a collection. 
Account # : XXXX XXXX $ that I owe I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 

I do not know who they are and have no written consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureaus. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Experian Information Solutions Inc.
State: AL
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 this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-10-03
Company: Ocwen Financial Corporation
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
For the 3rd time in a year that I am coming here about PHH Mortgage. For yet continuing to fail people who are asking for help. They've replied to both prior complaints with good words and then failed to communicate effectively thereby creating excuses to renig both times. Despite my compliance at every turn. In XX/XX/XXXX I was promised an exception to the loan modification but then they backed out by claiming they requested additional documentation they never received.

" At this time, to move forward with the request for a modification exception we require an updated and complete RMA package be filled out and returned specifically asking for an exception be made to the denial on the account. Once we have that we can go back to the investor for approval for the exception. We apologize for any confusion this may have caused you, unfortunately we did not get the request for additional information from the investor until XX/XX/XXXX, after our prior response was already sent. Without an updated RMA package with current financials we can not move forward with the exception request. If you have questions regarding the loan modification, we encourage you to contact the Relationship Manager assigned to the account. '' They have since received this updated information twice ( most recently in XX/XX/XXXX ). I was told I needed to follow up with further documentation which I also provided both times. 

When I spoke to an associate at PHH on XX/XX/XXXX I was informed there was no record of the application and proceeded to set an appointment with a relationship manager for XX/XX/XXXX. On XX/XX/XXXX, I called PHH and inquired about the application and that agent was able to locate the application. This same day I received in the mail a notice requiring " additional documentation. '' The same documentation I have sent- to the same address they've provided every time- two other times since XX/XX/XXXX. 

So for 3 years now, due to PHH 's complete inept ability to communicate not just with me but within their own departments I am nearing foreclosure. When all I've ever wanted to was to keep my home. I've fallen on hard times with the recent death of my mother along with multiple other hardships these passed few months. But I could have been making payments nearly this whole time had PHH done what they originally said they would done. 

As of today ( XX/XX/XXXX ) the house is set to experience foreclosure. But I was assured by PHH mortgage employee XXXX, employee ID XXXX, that in the next 5 business days, the account would be brought up to date with the application I submitted on XX/XX/XXXX and the additional documentation I submitted on XX/XX/XXXX and the foreclosure process would be stopped. I will be following up with PHH next Monday.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: GOLDMAN SACHS BANK USA
State: IL
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 bought doors and a window from XXXX by XXXX. They installed the wrong patio doors. XXXX  XXXX XXXX agreed to replace the wrong patio doors but it would take about 6 months to rebuild them. A couple of months later our house burned down. I advised XXXX By XXXX that we still wanted the doors for the house we were going to rebuild. In XXXX XXXX  By XXXX advised Green Sky that they had installed the doors and requested Green Sky to pay them for the door. Green Sky pay them. The house was not built yet the only thing that was there was the foundation. I advised Green Sky of this and in accordance with the agreement with XXXX By XXXX I did not have to pay for the doors until they were installed. Green Sky put my loan into collection which lowered my credit rating from the mid XXXX to XXXX making me unable to get a loan for my rebuild. When Green Sky was made aware of this they refused to restore my credit rating and said it was up to me to take care of it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CREDIT COLLECTIONS SERVICES is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$52.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: CITIBANK, N.A.
State: AZ
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 this creditor has violated my rights. 

Under 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. 

Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late of 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 explanation
Consumer complaint received 2023-06-16
Company: CAINE & WEINER COMPANY, 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:
The company was asked to investigate and validate the accounts that are being reported to the credit reporting agencies. They failed to do so within the guidelines of the FRCA and FDCPA federal laws. I have been reaching out for months with no to minimal responses that were delayed and avoiding sending any information that has been requested. The information currently listed is inaccurate and has yet to be validated to provide accuracy. It is affecting my overall financial stability due to my credit score showing false reporting. Please see the attachments to this comment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Experian Information Solutions Inc.
State: MD
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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX Balance : {$9100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX Balance : {$9100.00} XXXXXXXX XXXX XXXX Balance : {$0.00}

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 2021-04-10
Company: EQUIFAX, INC.
State: CO
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:
We had 2 accounts with XXXX XXXX XXXX. XXXX was closed in XX/XX/XXXX ( Loan A ) because it was a tied to the home we sold. The other one was a consumer line of credit ( Loan B ). I paid $ XXXX on Loan A after it was closed thinking I was paying loan B, which is the only loan with a balance. Instead of sending the money back to the account I paid out of ( XXXX ) XXXX put the payment into a member savings account. I didn't realize my mistake until I got my XXXX statement. At that time I initiated a payment from that XXXX savings  to loan B. They kicked back the payment to the savings account and would not accept it. Again, I didn't realize this until I received my XXXX statement. I then called XXXX and they told me the account had been put on hold for non-payment, even though we had a paper trail of payment trying to be made. We worked with XXXX XXXX at XXXX in XXXX XXXX, CO and after about a month they were able to look further into this and see that in fact we did attempt To make payments. We were sent an email on XX/XX/XXXX saying that they were updating the credit information. XXXX  has been updated, but transition and equites have not. I have disputed this information several times and they are keeping the derogatory information even though we have a letter from XXXX stating otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was unaware that my credit card with synchrony bank was closed until I tried to log into my account to pay my bill and it would not allow me to log in, I called the number and was told my account was closed due to having a returned payment back in XXXX. I have bank statements to show that I did in fact make my payment in XXXX along with every payment every month. Ive always paid more than my minimum amount due every month since opening that store card. Ive never not paid. They stated that there is nothing they can do and it will now be reported on my credit as account closed due to dishonorable payment. Its is not fair that it will be reported this way when Ive always paid every month. And I have proof and bank statements that Ive always made my payments. I would like to dispute this report and show the credit bureau that there was no dishonorable payment. I also have paperless billing and get all my statements emailed to me. They said my account was closed on XX/XX/XXXX and received an email that day of my statement letting me know what my next payment was on XX/XX/XXXX nothing stating that I was in jeopardy of account being closed or that it was closed or anything. I will also attach a letter I recieved XX/XX/XXXX stating my payment for XXXX Was XXXX ( because I make my payments and often over pay I had no minimum. This account was closed for unfair reasons and needs to be reported correctly

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