BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-09
Company: Phoenix Financial Services LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Once I became aware of the account on my credit report I disputed the account and requested verification on XX/XX/XXXX. I followed up with the creditor by phone on XX/XX/XXXX and spoke to a representative ( XXXX XXXX ) who confirmed they received the dispute on XX/XX/XXXX and mailed out the itemization on XX/XX/XXXX. While on the line she also confirmed my correct mailing address as I have not received any correspondence from the creditor. I called back on XX/XX/XXXX, spoke to representative ( XXXX ). Requested that this account be deleted from all credit bureaus as I have not receive any correspondence they claim to have sent. Regardless, if sent, it would have been outside of the 30 day timeframe required by law. This rep informed me that XXXX requested for another itemization be sent to me and the only thing he could do is to request another be sent out. I advised him, it was still outside of the 30 days from the date of dispute. XXXX stated if I was going to talk like that that " he would just throw me to a manager ''. I spoke to manager, XXXX XXXX, who asked " how may I help you? ". I again, explained the situation and as I started to request for deletion of the account he spoke over me. I confirmed that the first thing he asked was " how may I help you? '' so I don't understand why he's speaking over me while I'm answering. Advised we would not have a good dialogue if that's how the conversation is going to go. XXXX XXXX replied, " If you're going to be smart, I'll just disconnect the call. '' I told him I am requesting for the account to be deleted from all the credit bureaus due to your failing to reply within 30 days in which he replied with a firm " NO '' then he disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/2021 I was contacted by a loan officer by the name of XXXX XXXX at Carrington Mortgage Services to do a refinance with them to lower my mortgage payment. I already had my mortgage with Carrington done 2 years prior, Carrington had recently increased my payments. so I requested a refinance and received the Disclosure documents. This was suppose to be an FHA streamline and was told we would be closing in XXXX. On XXXX XXXX was the last time I heard from Mr. XXXX. On XXXX XXXX I called the company after hearing nothing from Mr. XXXX. I was then transferred to a Mr. XXXX XXXX. On XXXX XXXX I received a confirmation number. On XXXX XXXX received information on the closing process for th refinance. On XXXX XXXX received another Disclosure document.. On XX/XX/XXXX, received another disclosure document. On XX/XX/XXXX received an email about an FHA case number. Spoke with Mr. XXXX about paying my mortgage and he suggested I hold off in paying my mortgage because we should close before 30 days On XX/XX/XXXX was cleared to close, then I received another set of Disclosure documents to be signed that night, in which I had technical issues with my computer and those papers didn't get signed that night, and the closing was canceled. On XXXX XXXX received more disclosure documents. On XXXX XXXX received an email that we would be closing on XXXX XXXX at XXXX. Then on XXXX I received an email from Mr. XXXX that the closing was a mistake and we wouldn't be closing on XX/XX/XXXX. Then there was silence no one from Carrington since the closing cancel.On XXXX XXXX I sent an email asking for an update. Received an email back from Mr. XXXX that if we didn't get a closing by XXXX there wouldn't be a closing for XXXX. Spoke with the Supervisor XXXX XXXX on XXXX XXXX explainig that the title company was the hold up for the past 4 month because everytime my mortage balance changes such as paying my mortgage, Carrington has to resubmit the paper work to the title company. I then asked when will this end because I have to pay my Mortgage, He had no answer for when this situation will ever end. On XXXX XXXX I received an email stating that the title company had changed. Something is wrong with all this at this rate it looks like I will never get a refinance closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
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: Information belongs to someone else

Complaint:
I desperately need some help resolving the situation at hand!! I reviewed my credit report and noticed an incorrect entry being listed in the collections section. Take note, I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim. I have tried to have this validated by the collection agency, to no avail. So, I am requesting that you please verify that the information reporting on this account is in fact correct. Also, please send me the procedures that you take in order to verify. I want to know who you contacted in order to verify and their address and phone number. Since, the company is unable to provide me sufficient proof that I am legally obligated to pay this alleged debt, I am requesting that you delete it from my credit report. Please send me confirmation of said deletion. XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX. Please delete this fraudulent account ASAP.

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 2022-12-06
Company: DISCOVER BANK
State: OH
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
i paid for an XXXX  XXXX  in XXXX {$2500.00}, the company went out of business one week prior to use leaving the country in XXXX, and never paid for us to go, I immediately opened a dispute with Discover. Got a temp credit, as did all XXXX other travelers with me, everyone won their dispute with their credit cards except me, I provided tons of documentation. Discover never even told me I lost dispute, I had saw the charge reapplied to my card, so I called them and they said it was because I waited to long and now they can not take back the money, I said I notified you immediately upon learning. Then they said I didnt provide enough documentation, HOWEVER the merchant that went out of business they allege provided a receipt of payment, that is all and Discover awarded them the win and made me pay an additional {$2500.00}. They did NOT provide the trip i paid for and took my money and Discover awarded them the win. NO other credit provider awarded the win to the credit card company except Discover and me. I have tons of docs to show you in support of my claim, including the one receipt that the merchant provided, there is ZERO evidence to support Discover awarding them the win. All big trips are paid way in advance, that is why I paid in XXXX for an XXXX trip

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-22
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I owed XXXX money and when I found out I paid them. I have not once even spoken to convergent outsourcing about this yet they say I owe them money and then update it to I dont owe them money. I have never signed one contract with them. I have sent 100s of validation letters and they never respond! My issue has always been settled with the original person yet they fraudulently report it. They really need to read and understand the laws surrounding this. They are an illegal company preaching illegal tactics

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 2023-05-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
Capitol One refuses to give me a credit limit increase. I applied on XX/XX/2023 and Capitol Ones responded with a letter the same day stating that : Your financial obligations reported to us by the credit reporting agency are too high This is not true. I have fraud alerts on file with all credit bureaus, I would have been notified if Capitol One would have pulled my credit report. I received no alerts from any credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX has violated my rights. 15 u.s.c. 1681 section.s 602 A. States I have a 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

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 2022-07-08
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My checking account was fraudulently used XX/XX/XXXX and I immediately contacted Citibank, Citibank said they would investigate and lied about all the practices they used to conduct the investigation. Today, XX/XX/XXXX, They told me my account was fine after having it on block status for two weeks. I paid into an old savings account they told me needed to be paid for them to unblock the account, they lied again. They closed my account without giving me my funds that are currently in the account. I sat on the phone with the fraud department and spent 4 hours in the Citibank location for the personal banker to assistance me. 

They were unsuccessful, they took my money and will not return it. Nothing is old to this bank.

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 2023-12-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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 hope this letter finds you well. I am writing to address a matter of utmost importance regarding my account with XXXX XXXX XXXX XXXX, account number XXXX. 

Upon reviewing my financial records, I have identified discrepancies in the reporting of late payment dates, specifically in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. According to the United States Code, specifically 15 U.S. Code 1605, a finance charge is defined as the sum of all charges imposed directly or indirectly by the creditor in connection with any consumer credit transaction.

It has come to my attention that the aforementioned late payment dates are in violation of the regulations outlined in 15 U.S. Code 1605 ( a ), which specifies that finance charges should encompass all charges payable directly or indirectly by the person to whom credit is extended. Consequently, any late payments resulting from a finance charge should be rectified, and the associated entries removed from my consumer report.

In accordance with my rights as a consumer under 15 U.S. Code 1605 ( a ), I demand the immediate update of my accounts to reflect the accurate status of " paid as agreed. '' Failure to comply with this request within a reasonable timeframe will compel me to seek monetary damages for the violation of my rights under 15 U.S. Code 1605 ( a ). Please be advised that I am prepared to pursue this matter in small claims court in my city and state under 15 U.S. Code 1681n civil liability.

To further address this issue, I have already submitted a formal complaint to the Complaint portal for the Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission.

I trust that this matter will be rectified promptly, and I appreciate your immediate attention to this serious concern. Please confirm in writing the actions taken to resolve 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
Consumer complaint received 2017-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 notified XXXX XXXX XXXX that they are inaccurately reporting that I was late in XXXX 2017. I have asked them to provide me with proof of these late reportings. Please assist me in getting these late reportings removed from my credit file. 

There are 3 XXXX XXXX XXXX Accounts that are reporting inaccurate late payment.s

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 2023-05-09
Company: DISCOVER BANK
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance of the fair credit reporting act Discover account number XXXX, has violated my rights. 


15 USC 1681 section 602 states I have the right to privacy.

15 USC1681 SECTION 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem.

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 2022-07-08
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
New checking and savings accounts were opened today under my name, SSN, and mailing address, with Huntingdon Bank. For some reason I received notification of the new accounts via a rarely used XXXX  account in my name. When I called the bank they confirmed the new accounts, that they were opened today, and they were associated with an email address and phone number that are not mine - XXXX, and XXXX. I confirmed my identity with the bank, indicated that I had not opened the accounts, and they initiated an internal fraud investigation. I have no prior or current accounts with this bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
It has been a whole year and no relief so my issue is with XXXX, XXXX, and Experian with their reporting of a loan company, XXXX XXXX XXXX, in which each reports a 30 day late when in actuality I used their app to close the account in XXXX of XXXX. I have proof that their app was not working properly but I didn't catch it until XXXX because I noticed a XXXX charge. I will attach the email where an agent of XXXX XXXX XXXX talks about the app and guides me through the cancelation process. This was their error, not mine. I reject and am offended by XXXX, XXXX, and Experian reporting this misinformation. This seems deliberate and is hindering my rights to fair credit while I am currently seeking a mortgage and other credit. XXXX XXXX XXXX has been compensated. In accordance with the Fair Credit Reporting Act this creditor, XXXX XXXX XXXX, and XXXX, XXXX, and Experian have violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. This is a blatant violation of my rights to fair credit and it is overwhelming. I am tired of being denied credit and having my rights violated. As a veteran and a consumer, I should be treated fairly, as should anyone any consumer any American.

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 2023-12-09
Company: CAINE & WEINER COMPANY, INC.
State: GA
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:
From a dispute placed in XXXX 2023 The Collection Agency CAINE & WEINER COMPANY INC, was removed from my credit report. As of XX/XX/2023, on XXXX somehow this collection is continuing to reappear with the same inaccurate information on my credit report. Account Number # # # # # # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Your permission to include this bankruptcy in my credit record is not authorized! There are many dates for filing and reporting, as well as for closure. This is crazy! I have the court 's letter stating that they do not notify you of this bankruptcy and that this is coming from an uninvited third party.

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 2022-05-20
Company: Experian Information Solutions Inc.
State: CA
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 the following companies have violated my rights. 

XXXX XXXX XXXX  XXXX -XXXX XXXX XXXX XXXX XXXX -15USC 1681 section 602A states I have a right to privacy -15USC 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instruction and/or approval

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 2021-03-10
Company: CAVALRY INVESTMENTS, LLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Back in XXXX XXXX I went to California for vacation and I lost my wallet with my Credit Card and Phone with Bank Information , Social Security Card and some cash in the taxi. When I realized, I Immediately filed a police complaint. I didn't know after filling a police complaint, I have to call my bank and all my credit card company to notify them about my lost things. I thought after I filed a police complaint they will get notified automatically. Which I made mistake and now I'm the victim of Identity Theft, and also, my credit is messed up and all my account is in collection department and I owe lot of money. 
Now I'm trying to fix everything, So I started communicating with them from XXXX and tried to dispute all those charges and account. 
So, specially in this financial hardship situation, if someone can assist me, I would be really grateful. 
Looking forward for a reply soon.

Company response to consumer: Closed with non-monetary relief