BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-13
Company: Atlanticus Services Corporation
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
This complaint is really referencing my inability to reach the collection agent that fortiva placed my debt with. They never answer the phone or return messages. Ive been trying to work on this for some time now

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was a day late on payment and assessed a late fee by CBNA Home Depot credit card service. I notified Citibank about the payment and asked for them to waive the late payment fee as a gesture of customer good will since I was a long time customer with no payment issues previously. 

They refused to waive the fee. I paid the balance minus the late fee and closed the account. However, Citibank continues to assess late payment fees and interest on the account 3 months later. 

They have sent to collections and reported to the credit agencies. 

Wow!

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 2023-04-22
Company: Bread Financial Holdings, Inc.
State: NY
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:
I have sent several letters asking for validation and the method used to validate multiple fraudulent and questionable items on my credit report. I have not received back anything in over 45 days for these accounts that are very much inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused big stress in my life as I am trying to buy a new home. The most recent certified letter I sent was XX/XX/2023. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681b Section 604- Permissible purposes of consumer reports 15 U.S. Code 1681c2 Section 605 B- Block of information resulting from identity theft 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681c1 Section 605 A - Identity theft prevention ; fraud alerts and active-duty alerts 15 U.S. Code 1666 - Correction of billing errors 15 U.S. Code 1666b - Timing of payments

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: Debt Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
XXXX XXXX XXXX XXXX I noticed an collection without notice!! 
I have never did business there is no contract Between me and this agency! 
I do not owe this company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2022, our mortgage servicing company, Specialized Loan Servicing ( SLS ) withdrew {$1700.00} from our escrow account. These funds were supposed to be transferred to XXXX ( our insurance company ) to pay for our homeowner 's insurance. Instead, SLS wrongly disbursed these funds into the bank account of a third party who is not affiliated with XXXX. Since XXXX did not receive these funds, we had to pay XXXX out of pocket in the meantime. 


Because SLS lost our {$1700.00} through their own negligence, we have asked SLS to refund these funds to our account. Despite repeated and exhaustive efforts on our part -- including at least 9 documented good-faith attempts to reach out to SLS over the past 7 months -- SLS has repeatedly refused to address our complaint and issue a refund. We believe their customer service has been willfully misinterpreting our complaint in order to avoid having to pay for their error. 


We are asking that the CFPB assist us in securing a refund, to our escrow account, of the {$1700.00} that SLS lost by disbursing to the wrong party. Since we have exhausted other avenues of outreach to SLS, we would greatly appreciate your assistance with this matter. 


We have attached copies of our recent correspondence with SLS, which details the extensive ( and unsuccessful ) outreach attempts. As you can see, SLS insists their check was deposited -- which is not in dispute -- and ignores the crux of the matter, which is that their check was deposited into the wrong account, causing us to lose the funds.

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 2020-04-01
Company: Waypoint Resource Group, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Waypoint Resource Group is attempting to collect on behalf of XXXX XXXX, XXXX. I reached out to Waypoint Resource Group and requested that the collection agency send a copy of the original contract which verifies I owe the debt. I also requested a copy of the last billing statement sent by the original creditor, the amount owed when the collector purchased the debt, the date of last payment and whether the debt is past the statute of limitations. To date, I have received no response. 

An amount of {$520.00} is not owed to XXXX XXXX. Waypoint Resource Group has not provided any documentation which proves the debt belongs to me. Thus, I am requesting this entry be removed from my credit report immediately. This debt is erroneous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Urgent Complaint Regarding Failure to Update Account Status - Loan Paid in Full I am writing to file a formal complaint against XXXX XXXXXXXX XXXX ( XXXXXXXX XXXX XXXX ) concerning the mishandling of my account status. Despite having paid off my loan in full and receiving the 1099-A copy B from the IRSXXXX XXXX XXXX ( XXXX XXXX XXXX ) , theyhas failed to update my account to reflect the paid-in-full status. 

This oversight not only affects my credit report accuracy but also raises concerns about the bank 's adherence to proper financial reporting standards. I have made multiple attempts to rectify this issue by contacting XXXX XXXXXXXX XXXX ( XXXXXXXX XXXX XXXX ) directly, but the situation remains unresolved. 

I kindly request the CFPB 's intervention to investigate this matter and ensure that XXXX XXXXXXXX XXXX ( XXXXXXXX XXXX XXXX ) promptly updates my account status to " Paid in Full. '' Additionally, I would appreciate guidance on any further steps I should take to address the consequences of this reporting discrepancy on my credit profile. 

Thank you for your prompt attention to this matter, and I trust that the CFPB will work to ensure fair and accurate financial reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX acct # - XXXX US Dept Ed acct # - XXXX US Dept Ed acct XXXX - XXXX US Dept Ed acct XXXX XXXX XXXX XXXX XXXX  acct # - XXXX XXXX XXXX  acct # - XXXX XXXX Acct- XXXX XXXX XXXX Acct- XXXX XXXXXXXX XXXX XXXX  Acct- XXXX XXXX XXXX XXXX XXXX Acct.- XXXX XXXX XXXX XXXX XXXX However , they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly.

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

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2020-04-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This is the second complaint about Equifax not being able to fix their credit freeze lift/thaw process. It is unacceptable that this credit bureau stands in the way of conducting business without any consequence. I have all the valid information needed to lift a freeze on my account yet their online system is always broken despite reporting this for several years. I can not get anyone by phone. The images submitted with this claims are not just in this instance, they always happen as if Equifax 's systems are designed not to be usable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Fraudulent hard inquiries appear on my credit report. I have tried disputing them and have had no success. Please have the three credit bureaus, TransUnion, XXXX, and XXXX remove the following hard inquiries from my credit report : XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX -  XX/XX/XXXX XXXX XXXX - XX/XX/XXXX My personal identity was stolen and i did not make these requests. 

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 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
XXXXXXXX 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 2018-02-28
Company: SYNCHRONY FINANCIAL
State: NJ
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 writing to you to request that you remove the following unauthorized inquiry ( ies ) from my credit report : XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, FL 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 2020-02-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello, Ive tried multiple times to have all 3 reporting credit bureaus remove 3 disputes, 2 on active credit cards placed incorrectly 3 years ago and 1 on my XXXX XXXX XXXX XXXX car loan. I did not dispute my XXXX XXXX MasterCard accounts nor XXXX XXXX XXXX XXXX and have asked that this language be removed from these accounts. These credit card accounts and my car loan are in good standing and always have been but are being reported as negative as a result of this. 
Additionally, there is a {$91.00} collection from a company called XXXX XXXX  this account does not belong to me I have no contract with this company and have no idea who they are I have asked that this information be removed from my report to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have previously disputed with the credit reporting agencies and also filed previous compliants in refrence to XXXX XXXX XXXX and the alleged alligations that was being reported on my credit profile. The credit reporting agencies stated that they had verified the account and to contact the data provider in refrence to the alleged alligations to aquire physical proof. I have made several attempts to contact XXXX XXXX XXXX AND THEY HAVE FAILED to respond to my letter ( section 609 ). Im submitting physical proof of my attempts and also successful delivary of my letter to the data provider, per section 609 states if the creditor failed to validate the debt within 30 days it must be deleted. My letter sent was CLEAR as to what I was requesting. To provide me with physical proof to the alleged alligations being reported or DELETE IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-01
Company: MONEY SOURCE, INC., THE
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We have been with The Money Source since XXXX and the experience has been frustrating and disappointing. But this recent situation takes the cake. The Money Source has severely mishandled our escrow account. In XXXX XXXX, we submitted paperwork to our county tax office for our Homestead Exemption in which we are entitled to a Partial XXXX Veteran Discount and another discount from the county. I then called The Money Source to make them aware of the changes. I was asked if we were fully exempt and I let it be clearly known that we were not. I was then asked how much our tax bill going to be for XXXX. I had no idea, so I then asked our county tax office to assist me with answering TMSs questions. The tax office emailed me a letter stating what our estimated tax obligation would be for the year and I then faxed this letter to the TMS tax office at XXXX. I then called and verified that the document was received. Fast forward to XX/XX/XXXX, and we received our new escrow analysis showing that we have a shortage of around {$4600.00}. At some point, TMS removed the tax portion of our escrow and did not collect taxes from our monthly mortgage payment and when TMS received the tax bill from our county, they paid the bill with an escrow advance. We were not aware of what happened. We were under the impression that the proper projections had been made and that we were making the correct payment amount to cover both our taxes and insurance as usual. It has taken nearly 2 months of back and forth, shifting blame and confusion for TMS to admit to the mistake. But they have failed to make this mistake right. A debt was created on the behalf of The Money Source but instead of them rectifying the situation within the company, they are insisting that we pay the debt. If we were to pay this shortage, it will add nearly {$700.00} to our monthly payment, which will cause a financial hardship for our family. I have explained this to several XXXX and XXXX at The Money Source but we are being told there is nothing they can do other than assist us in paying this debt. I find this to be very unethical and a bad business practice. Not to mention, this not the only issue that we have had with XXXX. Thankful, we are in the middle of a refinancing so we will not have to continue to do business with XXXX in the future but unfortunately any balances that we currently owe to XXXX will be transferred into the new loan. And this escrow situation is causing confusion and delays in our refinance process. Its an absolute nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: EQUIFAX, INC.
State: CO
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 contacted Equifax on XX/XX/2017 @ XXXX pm mst, to let them know I had some fraudulent inquiries on my report. The rep refused to investigate and told me Ihad to  contact each agency myself. I told her it was fraud and she refused. It is my right to have inaccurate information removed. Equifax is reporting incorrectly so it is not my job to contact each creditor, it is Equifax since the are the ones with agreements with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: John C. Heath, Attorney at Law, PLLC
State: NM
Product: Debt or credit management
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
XXXX XXXX  and others have tried to appease my " lack of payment ' FOR SERVICES RENDERED. 

NO SERVICES WERE EVER RENDERED. 

Frankly, I, and I am sure many others are afraid to go against " Lexington LAW ''. 

Your help would be appreciated. 

Willing to participate if need be in recovering monies owed to individuals trying to make a difference and being taken advantage of. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
XXXX  is holding my refund hostage, and my bank closed my claim even though I supplied them with an incredible amount of evidence because " too much time has gone by since I've opened the claim '' Mind you, I have been dealing with this since XXXX ( so 7+ months ), and have called XXXX and Chase Bank at least once a week since then and have been going around in circles. So yes, a lot of time has gone by..too much time for anyone to have to go through this. I feel as though I have been treated inhumanely and have broke down several times over this. I am at a loss, I don't know what to do, all I want is my refund. Chase Bank told me that " there was nothing they could do. '' I was a wreck after being told that, I feel as though I am being tortured for something that isn't even my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have received a Visa credit card from BBVA Compass bank and for every purchase, the account gets flagged for fraud, making it a huge inconvenience to try and get through to their fraud monitoring to unlock the account to verify that I had in fact made these purchases. On top of that, now, when I call in, I feel like my privacy has been violated. I am not calling to report fraud on the account. Instead of confirming that I had been the person making the purchases, BBVA is asking for very specific details about the transactions -- what I purchased at the retailers -- which I feel is a gross violation of my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
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: Information belongs to someone else

Complaint:
Upon checking my credit report, I notice an account from XXXX XXXX XXXX  that I believe is not being reported correctly on my credit report. On XX/XX/2020, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2020, again requesting that they provide me with the information they were using to prove the accuracy of my account. I even threaten to escalate this violation higher to ensure that my rights were being upheld and still got no respond from them. I also sent certified letters to the three credit bureaus on XX/XX/2020 asking them to verify or remove the negative report on my credit report. I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

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