BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-17
Company: Paramount Recovery Systems, L.P.
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: EQUIFAX, INC.
State: NV
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:
There are some accounts on my credit report that do not belong to me. Please remove them. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I have received a statement from a debt collection company for an account I was not aware existed. The company is " XXXX XXXX XXXX XXXX ''. This company states that XXXX XXXXXXXX XXXX XXXX XXXX XXXX has a balance of {$500.00}, to be paid by me ( XXXX XXXX XXXX XXXX. I have not opened or received any credit from this bank or any other bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-19
Company: DISCOVER BANK
State: NM
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:
Two weeks ago, I reported an account that does not belong to me to Discover, and the FTC identitytheft.gov report for the amount of about {$3900.00} dollars. This account is fraudulent, and Discover has not sent me any communication regarding this issue, and they have not removed this account from the three credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-20
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My account was closed by card issuer without notice or explanation. I was thus denied benefits of the card ( mileage points on purchases I was forced to make using a different card ), deprived of the use for which I had paid an annual fee, and left in the dark. There was no balance due at the time of closure and my credit rating is above XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: Experian Information Solutions Inc.
State: NE
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:
trying to get inaccurate inquiries off credit 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 explanation
Consumer complaint received 2022-10-04
Company: SYNCHRONY FINANCIAL
State: PA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I opened a new CD account no. XXXX. The account opening page asked if I wanted to fund the new CD through existing external account or add a new one. I chose to add a new XXXXXXXX XXXX account and completed the CD opening and funding process. A few days later I received notification that the transfer failed. I logged into Synchrony and again initiated a funding through the XXXX XXXX  account. As of today, Synchrony is showing the following : XX/XX/2022 Pending Transfer from XXXX XXXX XXXXXXXX XXXX {$500000.00} ( Expected ) Today, I also received a note that my XXXXXXXX XXXX account ending in XXXX is overdrawn. This account is among the accounts that is linked to my other Synchrony CDs. I also received notification from Synchrony that funding from my account ending in XXXX was rejected. My XXXX  account is showing 2 attempts by Synchrony to draw from it and 2 insufficient charge fees ( each {$36.00} ) because the XXXX XXXX account is unfunded. I attempted to speak with a Synchrony call center representative about this but her response was that since I opened a CD on line, she can't see why Synchrony would be trying to draw from the XXXX XXXXXXXX account and she can't help me. I attempted to impress upon her that this has to be some sort of an algorithm glitch but she wasn't absorbing the information. I disconnected the conversation because clearly, she wasn't understanding that Synchrony 's attempt to draw from the wrong account is causing me damages in the form of insufficient charges from XXXXXXXX XXXX 

I ask that Synchrony seize attempting to draw any funds from the XXXX XXXX account and refund me {$72.00} of NSF fees.

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 2022-12-01
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2022, I previously notified you that I am a victim of identity theft, and requested that you do the following : Please stop contacting me about the debt, I do not owe. 

For the following accounts : Acct # XXXX I had enclosed a copy of my identity theft report with the written letter I sent out in XX/XX/2022 Because the information you are sending me is the result of identity theft, and inaccurate. During the time this account was open, I was suffering from XXXX XXXX and XXXX and had a caretaker taking care of my things. I have reported the perpetrator to the FTC as instructed. I did not authorize, participate or benefit from this account, I still have not received written confirmation of these actions.

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 2018-07-23
Company: Williams, Rush & Associates, LLC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Credit report IS NOT REFLECTING THE DATE OF LAST ACTIVITY CORRECTLY date OF LAST CONTACT WITH CREDITOR WAS END OF XXXX BEGINNING OF XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Experian Information Solutions 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 information incorrect

Complaint:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to 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 2017-09-14
Company: CITY NATIONAL BANK
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I have had an issue with City National Bank the past 2 months with not applying my payments in a timely fashion, and charging me late fees on 2 loans that I have with them. I have had these loans with them for 8-10 years, and have been consistent on payments for all this time, and suddenly they are being very difficult on the payments and not applying in a timely fashion. I have sent these payments on the XX/XX/XXXX-XX/XX/XXXX of the months consistently the same way since the inception of these loans, and suddenly it is not proper and fees are being charged. I can not continue to be charged these fees, and want to know why this is happening. I have contacted the relationship officer on these loans, XXXX XXXX, and he just says that it is the postal service and my fault, yet I sent a payment this month on the XX/XX/XXXXwith a holiday in between, and they posted it on the XX/XX/XXXX, which makes no sense since they take a week or more on the other payments posted late. I explained that I am paying in a reasonable fashion, but they keep blaming me and the postal service, but yet they are inconsistent on applying the payments. It does not seem fair to assess late fees on a long time customer that is paying the payments in a reasonable period.

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 2020-05-26
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX XXXX XXXX recently placed a collection on my credit report. They sent me an itemized list of my minor childs medical procedures from 6 1/2 years ago stating that money was owed on a medical debt. The letter did not include a HIPPA release form nor was authorization given to share my minor childs medical records. This is a clear violation of HIPPA laws and they did not produce a HIPAA release form with the itemized receipt that was mailed to me. How did they receive my minor childs health records without my permission??? Both my minor child and my HIPAA rights were violated and I demand the deletion of this debt immediately or I will take legal action.

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 2017-09-14
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Dates are approximate. 

When the news reports came out saying that Equifax had known that personal consumer information had been leaked from their system, I went to the website to try and understand how I could protect myself. The website was confusing. I started the process but was still confused, so I tried to call them. 

After being hung up multiple times, I gave up. The next day, approximately XX/XX/XXXX, I called them again. After two or three calls, I got through and spoke with someone. That person said I had to use the website. I asked to speak to a supervisor, and was put on hold and hung up on. I called back, and spoke to a representative who told me I had to use the website. I asked to speak to a supervisor, and was put on hold and spoke to a supervisor who said they were only an answering service and could not help me. They said I had to contact Equifax. 

On XX/XX/XXXX, I spent a great deal of time trying to call Equifax. I tried every number I could find. All I found was voice mails and automated systems. 

On XX/XX/XXXX, I went back to the Equifax system and discovered that my information had been leaked. I tried to contact Equifax by phone. After going through many menus, their automated system told me their automated system was unavailable, and they hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: EQUIFAX, INC.
State: NJ
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:
I mailed out letters via certified mail requesting that the company verify the alleged debt and inaccurate information on my report. The USPS tracking showed the letters were delivered on XX/XX/2020 and then follow up letters were mailed and delivered on XX/XX/2020, XX/XX/2020 XXXX, XX/XX/2020, XX/XX/2020 and XX/XX/2020. It has been more than 210 days and I have neither received any updates nor have I heard of any investigation being conducted. Per the FCRA, the company has 30 days to complete their investigations and here we are more than 200 days later and not only are the inaccuracies still reporting on my report, they aren't even under investigation. The multiple sets of letters have been disregarded and my rights have been violated. I'm contemplating legal action as the next step if this warning does not show how serious I am about my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Experian Information Solutions Inc.
State: MN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am a 100 % XXXX Veteran with a XX/XX/XXXX dishcharge dated XX/XX/XXXX. 

XXXX failed to send their guarantor Ascendium the proper paperwork in XXXX. They did not send in the MP note. I called Ascendium Ombudsman and was back and forth with XXXX Military line for MONTHS while all my other loans were paid off. 

They said it's not a federal loan. Nice little made up rule. The government loses money doing that FYI since they can just keep XX/XX/XXXX up paperwork and charging every month. 

This XXXX guy at XXXX told me to BACK DATE MY XXXX LOL. YOU CAN'T BACKDATE A VA XXXX. THATS THE MILITARY LINE AT NAVIENT!!!!!! 

I have proof of this, phone records, they say the recorded calls ... I recorded a couple. contacted everyone, even an Attorney. 

XXXX went under when I was overseas in XXXX and they never mailed me anything because they had the wrong email address. My mother set it up to handle things why I was XXXX. 

I was poisoned overseas by XXXX gas and the XXXX sent 2 people to tell us that the air quality was within XXXX levels. I proved that wrong beyond a shadow of a doubt by finding enough papers on the subject. Mainly Thanks to ONE Doctor who cared awhile ago. 

They continue to email this email and not MINE. I have been on the phone with them for 4 months and FINALLY they take it off my credit. Playing GAMES WITH A XX/XX/XXXX XXXX VETERAN. 

In the meantime. My score has dropped and they are keeping 14 missed payments on my loans for no reason. Now it says 7 on Experian. I am XX/XX/XXXXXXXX AND vCONFUSED AND MAD. Their upload thing doesn't work. I was back and forth with Experian the entire time as well. 

I called XXXX and made a lady Attorney cry every time she talks to me. I can't get help at all.. I don't want to hurt people by telling them my story. 

Maybe I should just give up on credit? 

I CAN'T GET A VA HOME LOAN!!!!!! 

GIVE UP ON THE AMERICAN DREAM? 

LIFE, LIBERTY, PROPERTY, PURSUIT OF HAPPINESS? 

GOT TA HAVE CREDIT! IF YOU F IT UP, 7 YEARS PAL 7 YEARS CREDIT PRISON SENTENCE. 

NICE DEBTORS PRISON BTW. Just change it from sending them to jail, and let them get XXXX XXXX at home. 

REAL AMERICAN. 

America doesn't seem to ACTUALLY care about it's 100 % XXXX VETERANS. 

XXXX. 

XX/XX/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 explanation
Consumer complaint received 2018-04-13
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
They are reporting a bankruptcy on my credit of XX/XX/2014 that does not belong to me and belongs to someone with a similar name as me. They are also reporting inaccurate telephone numbers and saying they verified with the person who gave them the information when the courts are the only ones who can verify this information as they have them down as the fernisher that reported the information. I have asked for documentation and names of the person who verified the information as it is the law that they provide that to me after saying they have verified the information. They are reporting a telephone number of XXXX which does not belong to the XXXX XXXX bankruptcy court and is not in service. I went to the court about the information being reported incorrectly and they informed me that this belongs to someone that lives on XXXX XXXX in XXXX mi and I have lived at my address for 14 years now. I also received a letter from them stating that they do not give information to third parties or credit bureaus and they do not update information either. I also filed a police report and I gave them both and they still are saying they have verified the information and that its mines but its not. Please help

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 2018-04-13
Company: EQUIFAX, 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:
XXXX XXXX XXXX amount {$29000.00} on XX/XX/XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-22
Company: Experian Information Solutions 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:
This is the second horrible incident that I've had with Experian. The first was an issue with them disconnecting my bank and making my score go down more than 60 points, now these lenders are telling me that they are sending the reports on time, but that Experian is either taking too long or not reporting the information on their end. Experian stopped updating my report every since XX/XX/2020, right after i reported them to CFPB. I believe they didn't fixed my latest disputes because of this reason as well.

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 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XX/XX/2021

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 2019-03-19
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have been a customer of Freedom Mortgage since XX/XX/XXXX and for the entire almost 5 years have requested, demanded, begged and pleaded for the company to acknowledge the ADA requirements to make a reasonable accommodation for my communication XXXX. I was born with XXXX XXXX XXXX which is a genetic, progressive XXXX XXXX which has rendered me legally XXXX. 
Although several authorized representatives have told me that they can email me documents I have only been granted one single bulk dump via email. This one and only time that I have been able to get correspondence emailed came after I spoke with XXXX XXXX of the executive branch at Freedom Mortgage. On a recorded line XXXX. XXXX told me ( in XX/XX/XXXX ) that she could not only setup my email correspondence but she sent me an email message verifying that she was going to do this. It was not until XX/XX/XXXX when I spoke with another employee about an entirely different situation that I was shown that the company is fully capable of emailing me correspondence in compliance with the ADA. 
I was also recently made aware that this is a violation of the Truth In Lending At ( TILA ) as well. 
Today, XX/XX/XXXX I was told by an authorized representative of Freedom Mortgage that he spoke with an executive on my behalf and that the person he spoke with said that Freedom Mortgage is not going to email me anything just because I want them to despite the fact that they are in violation of the ADA and consistently discriminating against me.

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 2023-02-09
Company: Shellpoint Partners, LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My first mortgage loan is currently being serviced by Shellpoint ( SP ). The account is currently delinquent due to hardships relating to the Covid 19 pandemic. SP is refusing to offer loss mitigation assistance or process a loan modification. The mortgage is a government backed loan ( XXXX XXXX ), so the entire delinquent amount should be moved to the back end of the loan. SP has also refused to apply the Covid 19 payment deferral program. This program calls for recapitalization of all past due payments and deferral of all past due payments until the loan is sold. SP has refused to underwrite for this option, although they were notified many times of the intent. The CARES Act provides a mortgage payment forbearance option for all borrowers who, either directly or indirectly, suffer a financial hardship due to the novel coronavirus ( COVID-19 ) national emergency. a hardship. This relief is available to anyone who has a federally-backed mortgage, regardless of delinquency status. SP is in violation of many CFPB laws relating to loss mitigation and loan modifications, primarily CFPB XXXX. I am seeking assistance on this matter, since I do not want to lose my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation