BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-03
Company: Windham Professionals, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My mother was admitted to XXXX XXXX on XX/XX/XXXX. She went for elective XXXX but landed in the ICU for almost a month. Instead of XXXX XXXX sending the amount owed after insurance was paid they sent it straight collections. Pro-Co Collections sent a balance of {$4200.00} on XX/XX/XXXX if {$3300.00} was paid in a one time payment they would offer a 20 % discount which amounted to {$840.00}. The one time payment of {$3300.00} was made on XX/XX/XXXX which I have a canceled check and bank statement. Pro-co did not write off the discount but sent it to another collection agency XXXX XXXX XXXX on XX/XX/XXXX for the amount of {$840.00}. Copies of the letters, bank account, canceled check was faxed to both agencies. They refuse to send a letter of XXXX balance even though Pro-Co on a recorded line stated today they have a XXXX  balance on the account. XXXX health has also stated on a recorded line they have a XXXX balance. All three companies refuse to give out the representatives name when asked and they hang up. Then they say they need XXXX XXXX to tell them it's a XXXX balance. We have been dealing with this for months and my parents are elderly. Now XXXX is saying as of today after I told them I was contacting the Federal Trade Commision that Pro-Co had the amount wrong and that a additional charge of {$840.00} is owed but they can not provide where this additional amount came from or how they all went from having a XXXX balance to they can't send out letters saying the balance is XXXX after receiving all the information sent to them.

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 2018-10-01
Company: Bread Financial Holdings, Inc.
State: CA
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 a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and XXXX with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 never had a XX/XX/XXXXXX/XX/XXXXcredit card. They are Reporting a {$1000.00} XX/XX/XXXX credit card on my credit without my knowledge I never applied for this card nor did I use this card this is completely fraudulent I asked them to remove it and they have not it is completely demolished my credit

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 2018-12-10
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. Equifax, XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: Pendrick Capital Partners Holding, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am receiving repeated calls from Affiliate Asset Solutions. I have made repeated requests for them to tell me exactly why they are calling. They will not tell me the caller 's name, the reason for the call and I have also made requests for any demands to be mailed to me, yet I have received nothing in the mail. They will not tell me amounts, creditor, etc. - nothing. I have no knowledge of ANY outstanding debts, I have checked my credit report and nothing indicates any delinquent debts on my credit reports, I have not received any notices from any creditors, etc. and all of my bills for my personal and business use are current.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: PENNYMAC LOAN SERVICES, LLC.
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage loan was transferred to PennyMac. They require an escrow account for property tax and property insurance. That would not be an issue if they were using collected escrow funds to pay my property tax and property insurance. However, they are not doing that such that I must pay myself out of personal funds. To date : 1 ) Property tax was not paid by the due date of XX/XX/XXXX thus incurring penalty and interest charges totaling {$85.00} plus a government record of delinquency. 
2 ) On XX/XX/XXXX I received a letter from PennyMac accusing me of not maintaining property insurance and threatening to buy insurance from a vendor of their choosing. This smells like a possible kickback arrangement given that I had insurance but they did not pay the bill from escrowed funds. 
3 ) Home insurance was not paid which was due on XX/XX/XXXX thus allowing coverage to lapse. To restore, I had to pay myself using my credit card. 

There is a saying, " 3 strikes and you're out '' and I fully embrace that in this situation. 

I can only wonder if they are using my escrow funds for their own benefit so that funds are not available when bills come due. I ask that you open a fraud investigation into what may be illegal use of escrow funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: Regional Management Corporation
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
Company: Experian Information Solutions Inc.
State: AZ
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 disputed several items on my credit report as inaccurate and requested verifiable proof via mail and online with Experian. The results have always come back " verified as accurate '' and/or " updated '' with no proof or an original signed contract with my signature. I have also requested their method of verification and received no response. In reviewing my credit report I also noticed that the " date of status '' had not been updated as the items were " verified '' which leads me to believe that a proper and reasonable investigation never took place. My dispute dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have requested deletion of the following accounts, however, the items still remain : XXXX XXXX/XXXX  - status updated last on XX/XX/XXXX XXXX XXXX - status updated last on XX/XX/XXXX XXXX  XXXX XXXX  - status last updated on XX/XX/XXXX XXXX XXXX - status last updated on XX/XX/XXXX XXXX ( 2 accounts ) - status last updated on XX/XX/XXXX XXXX XXXX XXXX XXXX  - status last update on XX/XX/XXXX XXXX  XXXX - status last updated on XX/XX/XXXX XXXX XXXX XXXX - status last updated on XX/XX/XXXX XXXX - status last updated on XX/XX/XXXX XXXX  XXXX XXXX - status last update on XX/XX/XXXX XXXX - status last updated on XX/XX/XXXX XXXX  - status updated last on XX/XX/XXXX XXXX XXXX  - status last updated on XX/XX/XXXX XXXX XXXX - status last updated on XX/XX/XXXX XXXX - status last updated on XX/XX/XXXX and doesn't show that account was disputed XXXX  - status last updated on XX/XX/XXXX XXXX XXXX - status last updated on XX/XX/XXXX XXXX - status last updated on XX/XX/XXXX XXXX ( 2 ) - status last updated on XX/XX/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 2020-08-23
Company: Experian Information Solutions Inc.
State: WY
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Experian Attn : Customer Care XXXX XXXX XXXX XXXX, TX XXXX RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed a credit inquiries that is problematic. The inquiry in question was apparently made by XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. Please investigate this inquiry at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing inaccurate depiction of my creditworthiness. 
Please update me with a full report on your endings within the next two weeks. I look forward to having this situation resolved as soon as possible. Thanks for your prompt attention to this mater, 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 2020-08-23
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Following application on XX/XX/2020 to refinance our existing mortgage with the same lender, we have been subjected to a series of faulty ( or nonexistent ) communication by NewRez representatives, atrocious customer service, and, at best, broken promises ( at worst, fraudulent representations ). Supplemental timeline and documentation are attached for reference. 

It should be noted that this is has got to be the easiest cash-out refinance request possible : two W-2 income borrowers who have owned their property for 22 years, who each have credit scores in excess of 770, and an LTV of under 70 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: Experian Information Solutions Inc.
State: WA
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:
Letter was sent to Experian certified dated XX/XX/XXXX in regarding 1681g METHOD OF VERIFICATION Experian then sent a letter dated XX/XX/XXXX stating " Dispute Results '', stating they would investigate, Experian then sent another letter dated XX/XX/XXXX stating they verified with XXXX and Public record BUT never provided information as to METHOD OF VERIFICATION and that they were within the law to furnish I the consumer 's information willfully noncompliant to Title 15 US Code 1681g. Experian also provided a credit report to I the consumer and again I never gave Experian any permission to furnish my information executing fraud and identity theft. Experian has violated several rights protected by the FTC. Experian also has several items on the consumer 's credit report that were discharged in a Chapter XXXX bankruptcy as of XX/XX/XXXX. My well being has been affected by this several times seen and unseen damages. I have tried several times to correct this. I have uploaded violations to be addressed, reason being is I have been ignored several times and willful non compliance has been committed against I the consumer. I ask that Experian pay for violations, I ask that Experian execute every condition that I the consumer have requested under the pursuant to Title 15 US Code Trade and Commerce within the laws of the United States of America and that Transparency ( Executive Order 13892 October 9, 2019 ) be enforced.

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 2018-04-23
Company: Specialized Loan Servicing Holdings LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The date it all started was XX/XX/2017. Amount in question is {$13000.00}. It all started when Specialized Loan Servicing LLC ( SLS ), volunteered and paid {$13.00}, XXXX to XXXX XXXX XXXX XXXX XXXX XXXX, in a disputed matter I had with them. Afterwards SLS placed the amount into my escrow account and increased my mortgage to {$1300.00} from the {$330.00} per month, I have a modification through the Home Affordable Modification Program ( HAMP ). I have tried to work it out with them, but have reached the end with them starting foreclosure. I never signed any loan agreement for the amount in dispute. I have not missed a mortgage payment in over 13 years prior to this matter happening.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX SBA Small Business Administration pulled my XXXX 3.0 credit report/score from Experian. This was for a emergency Covid 19 relief loan. I was denied for the loan and told to look at my credit report. I did and saw a bad mark from XXXX for an account that was not mine. I got it removed and refiled again with the SBA. On XX/XX/XXXX My Experian XXXX 3.0 score/report was pulled. Again SBA denied me. I inquired further with SBA as to the issue they explained i needed a credit score of at least XXXX Compared to XXXX which Experian showed them. When i called Experian, to my surprise, my XXXX score was well above this. I ordered a copy by mail for a additional fee My score shows a XXXX this is a 68 point difference. Please see copy. In the meantime I decided to see what XXXX and XXXX  were showing both are showing approx XXXX and XXXX. I noticed in addition that one of my accounts was showing as updated for both XXXX and XXXX but Experian still was not. The last update for this account was showing as XX/XX/XXXX for Experian. However for XXXX  and XXXX  They have been updated to reflect XX/XX/XXXX. We are now in XXXX. It appears XXXX  is deliberately manipulating 2 sets of scores for the exact same scoring system XXXX 3.0. It also Appears Experian is deliberately not updating my accounts as the other 2 credit bureaus are. Thier call center seems to be overseas and thier staff seem to not know much about the XXXX 3.0 program.

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 2020-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. DPTEDXXXX XXXX {$820.00} DTEDXXXX XXXX {$820.00}

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 2021-08-20
Company: Commonwealth Financial Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Commonwealth Financial at XXXX XXXX XXXX XXXX, PA XXXX, has been sending me collection notices in the amount of {$650.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my consent nor signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Hi, I'm writing another compliant because I have this hard inquiry in my XXXX credit file report, of XXXX from XX/XX/2020. I'm disputing this hard inquiry a year later because in my other complaints same thing, I at first thought if I disputed certain hard inquiries with one credit bureau all credit bureaus would update to the same information. I now know that is false. So sometime last week I called XXXX ( XXXX XXXX ) and spoke with the President of Office to explain when I first disputed this hard inquiry with XXXX is because this inquiry was a result of fraud. I didn't have credit at all when this inquiry was initiated so therefore I explained this to the president of office in XXXX, but still writing a complaint because I feel no real action was taken after that phone call. I still need to write a compliant because even though in the past I spoke to the same company me writing a compliant here gave me a faster result then the actual company of the inquiry. I also wanted to note in my last recent compliant I meant to say unauthorized for the inquiry of CBNA. What CBNA is doing is illegal because If they can't provide me a letter with words, in writing, stating that they couldn't locate an application dating XX/XX/2020, and told me that on the phone, on a recorded line, but tell XXXX  otherwise, then they're wrong. I know I have the rights to dispute any detail or information in my credit files. XXXX again doesn't want to change that hard inquiry. I have a XXXX  name XXXX XXXX XXXX XXXX. I used to own a Citibank XXXX  account. The reason I no longer am partners with Citibank business is because their agent has the audacity to apply for a credit card using my social security number when I didn't authorize that. I guess he thought since I was a teenager and made comments that my business isn't going to really succeed and acted like he knew my XXXX  better then me, he knew what he was doing to me because I told him I didn't know the difference between business credit and personal credit. I only ever used my XXXX when setting up that old XXXX  bank account and completing any important document work. Citibank business has caused me time, a hard inquiry, and no good use of their services. This was all said when I first disputed this inquiry with XXXX, but XXXX doesn't want to get rid of the CBNA inquiry in my XXXX credit file.

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 2018-04-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX opened a Bank of America checking account with a {$150.00} bonus offer for 3 consecutive direct deposits. I have made 6 direct deposits as of this date they were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX all in the amount of {$500.00}. I have called customer service on numerous occasions and been given the run around first told it would be in my account on XX/XX/XXXX then again on XX/XX/XXXX, still nothing. I feel that I have more than done what I was obligated to do. I want my {$150.00} deposited into my account!

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 2018-03-27
Company: CITIBANK, N.A.
State: AZ
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:
On XX/XX/XXXX and XX/XX/XXXXsomeone made 2 hard inquiries with my info to XXXX. OnXX/XX/XXXXa {$600.00} line of credit was issued to that person. I check my credit every week online and i promptly reported this with XXXX  and the bureaus. As of today XX/XX/XXXX XXXX  still had not reported the fraudulent account with the bureaus. I need both inquiries AND the fraudulent account to reflect my credit accurately. I spoke with XXXX  at XXXX and XXXX at XXXX today and they may be working on it, but I have had an additional two months of inaccurate scoring and i am trying to get a HELOC and all this nonsense is holding us up. There is no reason this should still be ongoing. The XXXX police has already provided affidavits, etc. It has already been proven as fraudulent yet my scores and reports are not corrected. Also, if an account is found to be fraudulent, why does the consumer have to babysit the INQUIRIES? It is obvious that if the account is fraudulent then the inquiries that got the account open are also fraudulent. I am not happy that the info given to XXXX  was so inaccurate yet they approved the account. the person who used my SSN and name and address used a FAKE phone number, FAKE email, FAKE work name and FAKE work number. If XXXX had done due diligence to check these things then the fraudulent account could have been prevented. and i would not have to keep making sure it is correct.

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