BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-11
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian is preventing me from submitting a dispute regarding outdated accounts that need to be removed from my credit report. In addition, there are two hard inquiries on my report that are not disputable online and need to be removed from my credit report. They are the following : XXXX XXXX/XXXX  XX/XX/2019 XXXX XXXX XXXX XX/XX/2019

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 2019-02-11
Company: MicroBilt / PRBC (formerly CL Verify)
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
It was awhile ago i believe XX/XX/XXXX, XX/XX/XXXX, or XX/XX/2018 that i sent microbilt a letter stating i wished to have my consumer credit report frozen with them. I never received a report or letter stating it was frozen. Please freeze consumer report and or send me validation that it is frozen with your bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
Credit inquiry on my reports that i don't recognize.

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 2019-02-11
Company: Perfection Collection
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Perfection Collections is attempting to collect a debt on behalf of XXXX that is not owed. The relationship with XXXX was previously settled in the amount of {$1500.00} on XX/XX/XXXX. 
Perfection Collections has reported a debt to the credit bureau 's as of XX/XX/XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I XXXX XXXX XXXX, obtained a " Interest Only '' Loan with XXXX XXXX inXX/XX/XXXX, and I paid flawlessly until notified XXXX onXX/XX/XXXX that I was scheduled to retire in XX/XX/XXXX and wanted a Loan with Payment on the Principal not just the interest by a Loan Modification. On XX/XX/XXXX, XXXX informed that the Loan was now being service by XXXX. 
XXXX steadfastly continue to ask for the XXXX  over and over while changing Loan Representatives whom continue to say the file is incomplete. When they finally offered a Loan Modification, it was based on MY SALARY, not my RETIREMENT BENEFITS! 
I listed the property to SHORT SELL, but XXXX kept refusing the offers, then the Mortgage was transferred to Carrington Mortgage Service on or about XX/XX/XXXX. 
I used XXXX XXXX XXXX XXXX of Florida to help prepared the Loan Modification Packages and after several Months of sending packages to different Loan Representatives, we finally assigned a thorough, competent Representative, XXXX XXXX, who informed my Representative, XXXX XXXX of XXXX XXXX XXXX, that the Underwriter denied the Loan Modification because my retirement income of XXXX and my non-contributing Borrower, and Spouse retirement income of XXXX was insufficient to offer a Loan Modification based on their Investor 's Guidelines. 

As Seniors we worked hard and retire only to be told we can not remain in our home after paying for 15 years XXXX plus to XXXXXXXX XXXX over {$320000.00} IN INTEREST ONLY!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 written to all 3 of the major Credit Bureaus several times with concerns of inaccurate reporting on my credit file. After several attempts to rectify the issue directly with the Bureaus I feel it is time I escalate the issue as I am not seeing satisfactory results or nearly any results at all.

There are at least 3 different accounts being illegally reported that have negatively impacted me and my ability to acquire credit as a consumer.

As you will see in supporting documents XXXX is inaccurately reporting 2 of the 3 accounts mentioned and when I reach out requesting an investigation they either don't respond at all or claim to have either verified or updated the accounts but that couldn't possibly have taken place because they are STILL reporting inaccurately! For instance, there is an account with an Agency called XXXX XXXX XXXX reporting as a charge-off on all 3 Bureaus but there's also recent payments being reported. How can an account that was charged-off be active? All 3 Bureaus are intentionally allowing this company to report false information which is a direct violation of my consumer rights per the FCRA. XXXX is also falsely reporting an account with an Agency called XXXX XXXX that I have NEVER had an account with. They clearly did NOT investigate this matter although I requested them to do so several times. 

Both Transunion and XXXX have been illegally reporting an account with an Agency called XXXX XXXX XXXX that I have NEVER had an account with claiming they have verified it. I wonder how that is and even XXXX wasn't able to verify the alleged debt with the Agency. They are once again violating my rights by illegally reporting inaccurate information.

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 2020-05-07
Company: Io, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been making payments toward this debt for over a year. This debt collector adds interest to my account weekly, reports it to my credit weekly. Essentially, this debt can never be paid off, because everytime I make a payment, they add " interest '' to the account in the amount of the debt. I have paid over XXXX toward the XXXX debt, but now they are telling me my balance is XXXX. I asked for a copy of my statement showing payments applied as well as the interest applied and I am continually told that they have to talk to a supervisor to see if that's something that they can do. Even with the interest rate they told me of 18 %, it would be impossible for my balance today to be XXXX from an original debt of XXXX with the payments i've made. 

Today, XXXX after leaving several voicemails and then calling and refusing to be sent to voicemail, I spoke with Ms. XXXX. I asked her ( 1 ) for my balance - was advised it is XXXX ( 2 ) for the interest rate - was told it is 18 % ( 3 ) why it is being compounded and reported weekly - was advised she wasn't aware of that ( 4 ) for a copy of my payment history and statement - was advised she'd have to speak to a manager to see if they can provide that. 

She advised she was not able to provide help as to the interest even after I pointed out that this would not allow me to ever pay it off, if the payments are then added back as " interest ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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:
Greetings, I have initiated a multiple disputes with XXXX  over the past few months to remove unauthorized fraudulent accounts they have failed to fully validated belongs to me. It has been well over the 30 days given for the XXXX to respond with validated proof to delete this account per the Fair Credit Reporting Act. I have provided all requested documents to XXXX   including my filed Identify Theft Police Report and proper identification to get this issue resolved in which they requested. I have also reached out to the creditor " Bank of America '' but they have also fail to fully validate contractually the account belongs to me. Below is the reporting account that should be Removed / Deleted from my XXXX credit report. Attached is a copy of my police report for your records. Should you need any additional information please let me know. 

Reporting Accounts : 1 ) XXXX XXXX XXXX- Account # : XXXX XXXX XXXX : IDENTITY THEFT DEPARTMENT XXXX XXXX XXXX XXXX, TX XXXX Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX DOB : 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 2022-08-08
Company: PLANET HOME LENDING, LLC
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: Their investigation did not fix an error on your report

Complaint:
Please be advised this is my SIXTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite five previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX Date Opened : XX/XX/2020 Balance : {$370000.00}, and XXXX XXXX Date Opened : XX/XX/2020 Balance : {$380000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such  thing that I have agreed upon to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: GREAT LAKES
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
We had set up an auto pay program with Great Lakes as early as XX/XX/XXXX for our daughters student loans. There were not any problems until our daughter decided to take graduate classes at XXXX. Without our knowledge XXXX sent out a notice that our daughter was back in school. Great Lakes without our knowledge or consent put our daughters account into deferment and changed our auto pay to {$0.00} essentially canceling the payment. This was done on XX/XX/XXXX. We did not notice the XX/XX/XXXX first payment was not made until XX/XX/XXXX. When we called Great Lakes we were told that students were automatically put into deferment when they went back to school. We told the representative we did n't want to be in deferment, and we wanted the auto pay to start back up. She said we could go online and reset auto pay. 
I set up auto pay for {$250.00} to come out on XX/XX/XXXX.  On the evening of XX/XX/XXXX we noticed the payment had not come out of our checking account. When I logged into our daughters account I saw where Great Lakes changed the auto pay account again. They changed the payment date to XX/XX/XXXX and changed the amount to {$210.00}. I also saw that they charged capitalized interest of {$38.00}. Also by changing my pay date from XX/XX/XXXX to XX/XX/XXXX they are trying to accrue more interest on the account. When I tried to resolve the issue with Great Lakes. When I tried to resolve the issue Great Lakes refused to take responsibility for setting up their computer program this way. If this happened to us, how many other people are the scamming? Is it legal to put someone into deferment without their consent? Am I financially responsible for them putting our daughter into deferment without consent and essentially stopping my auto pay causing interest to accrue and capitalize? Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: WINN LAW GROUP, APC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX I found out that I was a victim of Identity theft after Win Law Group ( representing XXXX ) levied my bank account. Soon after, I filed an FTC ID theft report and a police report, trying to resolve this matter. I believe that I have never had any outstanding debt with XXXX and I have never any type of communication regarding this fraudulent account. I was never served to attend the court and defend myself on this matter.Furthermore, my personal information showed on the XXXX XXXX XXXX XXXX is incorrect. 
1. My name is XXXX XXXX XXXX, not XXXX XXXX XXXX. 
2. On XX/XX/XXXX Case the comment was Unsatisfied in XXXX County and on XX/XX/XXXX another comment of Unsatisfied in XXXX County. However, I have never lived in XXXX County of  XXXX County. I only have one address which is : XXXX XXXX XXXX, XXXX XXXX CA XXXX since XX/XX/XXXX. I have tried to dispute this ID Theft issue with Win Law Group and XXXX XXXX, hoping to remove this case and have a refund of the levied amount. However, we have not come to an agreement on this. Therefore, I'm filing this complaint to get further assistance from the Consumer Financial Protection Bureau. Hopefully, we can resolve this matter in a peaceful manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: AMERICAN EXPRESS COMPANY
State: NC
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:
AMEX at XXXX XXXX XXXX XXXX XXXX, TX XXXX has been reporting inaccurate information on my credit report. I don't know this company nor have I done any business with this company. This company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: M. G. Credit, Inc.
State: GA
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:
Company is reporting negative information on my Credit report. Have attempted to reach out to the company to have them remove the negative reporting however they have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 recently applied for an apartment and I got denied. I do not understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that are not mine. I do not understand what is going on, but these items are not mine and the all need to be deleted from my credit report. XXXX XXXX XXXX {$150.00} XXXX   XXXX {$350.00}

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 2021-09-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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: Their investigation did not fix an error on your report

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
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:
i had 4 separate credit card accounts from Barclays bank, and on XX/XX/19 they closed all accounts. i have not been able to get a proper explanation from them other than " history of account usage ''. 
furthermore on my arrivals plus card i have XXXX miles and they wont let me redeem it

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 2019-03-18
Company: ONLINE Information Services, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I visited an ER at XXXX XXXX on XX/XX/2018. In XX/XX/2018 I was notified by my credit monitoring subscription with XXXX  that a negative report/collection was placed in my credit file and my credit score decreased over XXXX points. This is a medical bill from XXXX XXXX in the amount of {$210.00} which my Health Insurance Company / Self Funded plan thru my employer, did not pay apparently in a timely manner due to the employer did not fund the plan. I contacted my employer and the plan administrator, XXXX XXXX XXXX XXXX P.O. Box XXXX, XXXX, LA XXXX, XXXX. They have now indicated paying the claim in the amount of {$35.00} and stating my responsibility is {$0.00} due to the claim was not received in a timely manner. The debt remains with the collection agency as unpaid and has been reported to XXXX, XXXX and XXXX. I have appealed thru XXXX and it has been removed but it remains active on my XXXX and XXXX credit reports. The company, XXXX XXXX, still indicates I owe the balance even though the plan administrator indicates I do not. The collection agency is " Online Collections ''. This ordeal has affected my ability to obtain a mortgage at a competitive rate as my good credit rating has been affected significantly. Please note also that I have reported the employer, XXXX XXXX XXXX XXXX, to the Department of Labor for not funding my insurance plan and not paying my insurance claims as they should have. The contact with the DOL is XXXX XXXX, ( XXXX ) XXXX, XXXX. 

Your assistance in resolving this matter promptly is greatly appreciated. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: BARCLAYS BANK DELAWARE
State: NY
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:
On XX/XX/XXXX I put a deposit for a front entry of {$5200.00} with XXXX XXXX XXXX in XXXX NJ. The merchant said the door will take approx 4 to 8 weeks to get installed. 
After numerous calls and discussions and delays the merchant said he can install door on approx XX/XX/XXXX. Merchant came to my home with supposedly my door but cracked the glass. Merchant stated it would take approx 2- 4 weeks to get new glass and the re install. After I called numerous times to see about status the owner could not not give me a date. After more calls and heated discussions for 2 months I decided that I needed to get a refund from credit card company Barclays Bank. I initiated dispute in writing on XXXX XXXX. The bank refunded my {$5200.00} on XX/XX/XXXX and the reinstated said charge on XXXX XXXX stating the owner / merchant proved his side of the case / How is that possible? I still have no door / the merchant never once contacted me about status of order or possibility of completing job! So, XXXX wants me to pay for a product in which I have NEVER received? If the owner / merchant refuses to communicate with customer how is this ever going to get resolved / But I'm out {$5200.00} dollars.

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