BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-31
Company: SUNRISE CREDIT SERVICES, INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

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 2017-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
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:
There are many mistakes appear in my report without my understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: Guild Mortgage Company LLC
State: NE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I want to apply for the Cares act forbearance on my home mortgage but my mortgage lender makes it sound like I have repay the lump sum at the end of all this. I copied from their page what it says exactly. I have posted below what they are saying. It is from Guild Mortgage. Thanks for taking the time to look this over. Have a great week and stay safe out there! 

" Yes, the forbearance plan is a temporary relief option. 

The payments missed while on the suspended forbearance plan will become due upon conclusion of the forbearance period. 

We recommend that if you are able to continue making payments during the forbearance that you do so. Please contact us to make arrangements if you wish to make partial payments. 

If your account is impounded or escrowed for taxes and insurance, Guild will continue to pay your taxes and insurance as they come due while you are on a forbearance plan. However, this may create a shortage in your escrow account and an increase to your monthly escrow payment the next time an escrow analysis is performed. 

If you wish to pay escrows/impounds for taxes and insurance during your forbearance period in order to reduce the future escrow shortage, please contact Guild Mortgage to make arrangements prior to sending the amount. 

In summary, forbearance can provide temporary relief from your mortgage payments ; however, at the end of the forbearance, you will have to reinstate your loan by paying all your missed payments in a lump sum or apply for additional options. 

We recommend that you evaluate all alternatives and wait to apply until you determine that you will be unable to make your payment. For example, the CARES Act provides options for no-penalty withdrawals from your 401K. * Additionally, you could file for your tax refund, if you havent already. That way, the assistance options we provide will help you in the months that you need it the most. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XX/XX/2020, I opened a savings account with CitiBank. I had steadily been depositing funds as there were no indications of any issues. When I went to withdraw funds in early XXXX, I was told that the account had been " FROZEN '' for suspicion of fraud. After several hours, I was then told that the Fraud dept. had nothing to do with the hold but servicing department could help. Servicing department also had no idea but " new accounts department '' could help. That department requested I first send in additional identity documents so I did, via XXXX. When I later followed up, I was first told documents were never received. Two days later they admitted to having received but just not reviewed but promised to review. Here we are, XX/XX/XXXX ; I was told the account is " closed '' and when I asked what happens to my over $ XXXX, they said they have some documents and account review to do and will try to get to it by Tuesday and " she thinks they would send a check to my address '' after that but she wasn't being told much else either. The Supervising Rep that called me from a XXXX number also said she urged them to find a way to release my funds so that I could access money and they were nonresponsive to her and she felt she should not push further and wasn't being told much. I've contacted corporate offices and am told they can not help me. They've given me phone numbers that aren't being answered or that auto drop calls no matter how many times I've called. This is the absolute worst time to experience not having access to much needed funds that I entrusted them with. As an Executive Platinum CitiCard holder, I've been in good standing with them for over 5-10 years ... just 5 months in and Citi is being absolutely horrible at trust worthiness.

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: TX
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:
XXXX XXXX XXXX XXXX XXXX Credit Card As of XX/XX/XXXX XXXX XXXX has reported to all 3 credit bureaus that no payment has been made since XX/XX/XXXX When Payment ( ACH from a checking account ) were made in XX/XX/XXXX ; as well as on XX/XX/XXXX to the XXXX XXXX Account. 
Called and asked the company to remedy this within 10 business days or a complaint would be filed, the said go ahead and complain. 
Due to this false reporting my credit scores have each dropped in excess of 100 points, causing great injury to my credit health and my immediate financial future as a consumer.

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: EQUIFAX, INC.
State: OK
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:
Equifax is refusing to block inaccurate accounts on my consumer report, I attached the identity theft report along with the letter I gave received from Equifax stating they are NOT going to block any accounts instead will reach out to the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2020 I send a certified letter requesting validation of inquiries on my credit file. I was sent a generic letter stating, that the requested information was verified. The reporting agency did not fulfill their responsibility to conduct a proper investigation to my request according to FRA, Section 611 ( a ) ( 6 ) and ( 7 ). However, there were no information, as far, as to proof of who was contacted and what information was obtained to verify the accounts was accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX XXXX # XXXX and XXXX XXXX # XXXX are double reporting on my credit report. These accounts are not only in violation but are also settled in full and have been paid off already. There is no reason for these to still be on my credit and they need to be removed off of my file immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: Debt Recovery Solutions, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt Recovery Solutions gets information from other company 's records that are no longer in use, records that have been charged in bankruptcy or debts that do not exist. They specifically prey on minorities and women, and I am both, a WOMAN and XXXX, they prey on this demographic because they feel we can easily be intimidated into paying money. I do not owe the debt and desire them to release me from it and to stop harassing me and remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX XXXX XXXX XXXX Credit Card As of XX/XX/XXXX XXXX XXXX has reported to all 3 credit bureaus that no payment has been made since XX/XX/XXXX When Payment ( ACH from a checking account ) were made in XX/XX/XXXX ; as well as on XX/XX/XXXX to the XXXX XXXX Account. 
Called and asked the company to remedy this within 10 business days or a complaint would be filed, the said go ahead and complain. 
Due to this false reporting my credit scores have each dropped in excess of 100 points,  causing great injury to my credit health and my immediate financial future as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I had a dispute with a seller about a transaction which I initiated through XXXX and then initiated a chargeback through Chase. This was done on XXXX, XXXX. Fast forward today, XXXX claimed that I won the case and they sent the money to Visa a long time ago ( in XX/XX/XXXX ). I have confirmed with chase that they have never received any money from XXXX or visa either. In addition, Chase claims that they can not speak to Visa on my behalf either. I need to speak with someone at Visa because the funds are now missing and XXXX and Chase does not have them. I tried to speak with Visa before and they told me to speak to Chase, who again, is telling me they can't contact Visa.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
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:
I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPPA authorization. 1.Please provide a breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX xxxxxxxxxxxxxxxx XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Experian Information Solutions Inc.
State: AL
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2023 I sent out 3 letters to each credit bureau, Experian, XXXX and XXXX. I requested to have 3 particular accounts removed from my credit report, since they were not reporting 100 % accurate information. I made it clear that, reporting laws ensure that bureaus report only 100 % accurate credit information. 

I requested that the information be investigated and DELETED if not fully validated and that I wanted to be provided with proof of the alleged items, especifically the contract/terms with my wet signature. 

I received a response only from XXXX and XXXX bureau, but not Experian. 

XXXX and XXXX provided me with feedback within 30 days, but failed to provide me with the verification and proof of their investigations. 

On XX/XX/2023 I sent out a second round of letters to each credit bureau in hopes of being provided with a full description of the investigated task of my disputes. I also sent 3 more follow up letters on XXXX, XXXX, XXXX 

I mentioned that sending out a generic form through the e-Oscar system for the dispute is not reasonable, and that I wanted a full validated investigation with details on how you verified this ( names of people you spoke with and contact numbers ). 

However, I never received a response from neither credit bureaus ( Experian, XXXX or XXXX ). I have not received a response in over 30 Days.

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 2022-10-05
Company: AMERICAN EXPRESS COMPANY
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'm XXXX XXXX, and I need your assistance in contacting this company. I made an effort to contact them to find out who had opened an account in my name and why. I'm disappointed that this serious problem is now affecting my credit score. I don't allow anybody to use my name, birthdate, or any other details since it also violates data privacy. They need to identify the person who opened the account in my name and give them the data rather than me. Kindly help me in resolving this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have oped an account with Chase and deposited my unemployment checks and another check and sum funds to the account. Layer I get a call stating that my account will be closed but couldn't give me a reason not have I gotten back my deposits. Account numbers XXXX. Checks number and amount unemployment {$1200.00}, {$3400.00} number XXXX, and also coin app amount {$13.00}. ( I have photos but my phone won't let me upload for some reason there photos of worker at check cashing with photo copies of Chase check saying " Do not see anything in the system for this cashier check. '' ) Phone number to who she spoke with is XXXX route number XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I had set my accounts with XXXX XXXX XXXX  to be on auto pay with my checking account at XXXX  XXXX XXXX. Due to fraudulent activity on my checking account the bank would not pay the credit card bill and charge me an nsf fee. At the same time allowing other transactions to go through with an overdraft fee. The bank picked and choose what accounts to pay on, and did not pay my credit cards. XXXX XXXX XXXX repeatedly marked me as having late payments but it was due to bank error and not my fault. I also have had made many payments by debit card to them and they closed the account according to my credit report when the person on the phone told me the accounts were still opened. 

# 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 2020-07-17
Company: ProCollect, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Procollect , Inc keeps calling my home harassing me about some debt that is not even on my name, they are trying to collect from someone that I have never heard on my life and the only way according to one of their reps, Mrs. XXXX is by giving them my personal 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 2022-12-07
Company: Experian Information Solutions Inc.
State: MD
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2022-05-24
Company: CL Holdings LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
ON XX/XX/2018, I SETTLED MY DEBT WITH XXXX XXXX. THE DEBT WAS SETTLED WITH XXXX XXXX XXXX , XXXX AND I RECEIVED THE LETTER ON XX/XX/2018 STATING THE DEBT WAS SATISFIED, AND I IMMEDIATELY FILED A DISPUTE WITH ALL 3 CREDIT BUREAUS. EXPERIAN WAS THE ONLY ONE THAT DID NOT REMOVE THE SATISFIED DEBT, EVEN AFTER I PROVIDED THEM WITH THE LETTER STATING THE DEBT WAS SETTLED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-25
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Macy 's American Express credit card owed me {$860.00} ; customer service would never answer calls or intentionally disconnect calls ; i requested the balance of {$860.00} to be sent to me in the form of a check instead i received a check for {$8600.00} ; i tried to call customer service numerous times without avail, their website statement showed that somehow i " owe '' the credit card {$7700.00} although i never used this card since XXXX of 2019 because of their problematic activity ; when i called customer service i was rudely told i " requested the money " from the card and would be charged for it ; i tried to deposit check for {$8600.00} and it " bounced '' ; credit card explained they canceled the check and told me that i would be responsible for the feel related to bounced check, they acknowledged they made a mistake because the check was for the incorrect amount but did not feel i had to be notified either by phone call, message, or e mail not to deposit the check, as of right now, card billed me for {$7700.00} and refused to withdraw charges/refund fee for bounced check ; customer service would not answer calls

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