BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-09
Company: CITIBANK, N.A.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 
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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 2020-10-28
Company: MIDFIRST BANK
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Midland Mortgage has taken so much from many consumers and should not be allowed to get away with THIS!!! THEY ARE THE WORST!! In 2019 I became very ill and we fell behind on our mortgage. We reached out to Midland Mortgage for assistance, which we now regret. Our mortgage contract was sold to Midland Mortgage from XXXX. The only option we were offered was a loan modification. We were placed on a " 3 month trial period '' where they lowered our payment by {$300.00}. This just didnt seem right and was very misleading. They had instructed and promised that this would not be reported to the credit bureau as it was during the trial period and considered as forbearance. We paid as we were asked for the 3 months. After the 3 month trial period we were sent more paper work to sign, I was physically ill and just needed help with catching up on our mortgage. Well, we decided to sale in XXXX of this year, and finding out there is a 2nd lean on the home-HUD. This was overwhelming!! I have never cried so much in my life, feeling we were taken advantage of. I reached out to Midland and HUD and was given the run around regarding how they determine the amount owed to the 2nd lean. The balance we owed to HUD was like a 2nd mortgage over {$90000.00} not counting the {$230000.00} owed to Midland. We continued forward and sold our home but, had to come to the table with a closing cost of {$18000.00}. I had to borrow money from my retirement account so that we could close on the home. We just wanted from under this horrible company. To add insult to injury, we just found out they reported us being 120 days late on our mortgage. Our score dropped about 50 points and has affected us horribly. ALL THIS going on and being sickened with COVID!! We are very disappointed with this company and will not recommend them to anyone. Please put a stop to this company they should not get away with what is taking place. A TOTAL RIP OFF!!!

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 2021-11-06
Company: FORD MOTOR CREDIT CO.
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: Account status incorrect

Complaint:
I have reached out to the credit bureaus and the lease company. I have asked them to show proof of being late. I have never been late. They have not provided me documents showing that I was late

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
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:
XXXX is listed my credit reports as 120 days late. This account has never been late. This account is in forbearance status. I have attached the appropriate documents.

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 2019-03-27
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Pulled my credit report and have 5 bankruptcy reporting in Experian and one in XXXX and XXXX I have never filed bk and I dont know what to do .... please investigate this and get to the bottom of this ASAP

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: Experian Information Solutions Inc.
State: GA
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:
The co-owner of an auto loan with XXXX XXXX XXXX XXXX XXXX filed Chapter XXXX bankruptcy which was granted XX/XX/XXXX. I, the party that did NOT file bankruptcy, continued making payments for several years with no default whatsoever before, during, or after the bankruptcy of the other party. No negative information transpired to my credit report throughout the life of the loan until I paid off the vehicle. I made my regular payment in XX/XX/XXXX, and on XX/XX/XXXX called and paid off the remaining balance. I then get a notification that my FICO score dropped from XXXX to XXXX which is how I found out that XXXX incorrectly charged the account off and report as XXXX being a serious delinquent payment. I have tried numerous times calling and they have advised that the account is protected under bankruptcy law and this is the way it is. They have dragged me down as if I was the one that filed bankruptcy and as if they never received payment for any of the months. They never sent me any statements or mail regarding the account. I could not see my transaction history online and had to call and request it. With that being said, they sent me one transaction history which was then revised after the dispute and I was sent a second "CORRECTED" transaction history of the loan.

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 2020-10-28
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:
XXXX XXXX XXXX Account Ive called numerous times to this company for them to validate this debt, and they still dont. This account isnt mine. Im asking them to prove this account belongs to me or remove it from my 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 2019-08-19
Company: EQUIFAX, INC.
State: GA
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:
The co-owner of an auto loan with XXXX XXXX XXXX XXXX XXXX filed Chapter XXXX bankruptcy which was granted XX/XX/XXXX. I, the party that did NOT file bankruptcy, continued making payments for several years with no default whatsoever before, during, or after the bankruptcy of the other party. No negative information transpired to my credit report throughout the life of the loan until I paid off the vehicle. I made my regular payment in XX/XX/XXXX, and on XX/XX/XXXX called and paid off the remaining balance. I then get a notification that my FICO score dropped from XXXX  to XXXX which is how I found out that XXXX incorrectly charged the account off and report as XX/XX/XXXX being a serious delinquent payment. I have tried numerous times calling and they have advised that the account is protected under bankruptcy law and this is the way it is. They have dragged me down as if I was the one that filed bankruptcy and as if they never received payment for any of the months. They never sent me any statements or mail regarding the account. I could not see my transaction history online and had to call and request it. With that being said, they sent me one transaction history which was then revised after the dispute and I was sent a second "CORRECTED" transaction history of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: EQUIFAX, INC.
State: PA
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 XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX along with 8 hard inquires which icludes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX XXXX XXXX all these are fraudulent accounts I am a college student and was not concerned about my credit now that I am it seems someone has been using my information for several years and I would like it to stop

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX HAS consistently REPORTED FRAUD ACCOUNT NUMBER XXXX ON MY CREDIT TO CAUSE GREAT AND MALICIOUS HARM TO MY FINANCIAL WELL BEING. THEY PURPOSELY FUNDED A FRAUDULENT CHECKING ACCOUNT UNBEKNOWNST TO ME AND ALLOW THE PERPETRATORS TO BENEFIT OFF THE ERRONEOUS MISTAKE. 

ON TOP OF THAT AFTER READING THE FCRA THEY CONTINUE TO INTENTIONALLY ATTEMPT TO CAUSE GREAT AND MALICIOUS HARM BY REPORTING IT AS A CHARGE OFF WITH A BALANCE OF {XXXX} WHICH ACCORDING TO LAW IS A BLATANT VIOLATIONS OF MY CONSUMER RIGHT ACCORDING TO THE FCRA IF THIS WAS MY ACCOUNT WHICH IT IS NOT AND HAS NEVER BEEN.FURTHERMORE ACCORDING TO THE FCRA ALL CHARGEOFF REPORTED MUST REFLECT A XXXX BALANCE AND NO PAST DUE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: SYNCHRONY FINANCIAL
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: Account information incorrect

Complaint:
My credit score went down XXXX points on XX/XX/XXXX for no reason. I need someone to investigate this as it is unfair and unjust. Only thing I can see is the high balance from synchrony bank states a balance of {$5000.00} from XXXX to XXXX and that is not the case as I only owe {$230.00} and made payments monthly.

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 2019-08-19
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:
Yes I contacted the XXXX  today XX/XX/2019and before too and they told me that they didn't any reports because my loan are in stop payment until XX/XX/2019. Also they Sayed that not understand why my loan are like that because they never reported. All is related with students loan. And they recommend that contacted the Experian. I am calling many time but nobody answered.. the only I need they check that information and remove thatThanks!

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 2023-04-27
Company: Synovus Bank
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had a close account with Synovus bank from about a year ago. The agent recently said that I had a negative balance wants the account clothes and I was unsure as to how that happened. Synovus wired my IRS refund to XXXX XXXX XXXX and they took my refund. It was {$5400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Amsher Collection Services, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had a close account with XXXX bank from about a year ago. The agent recently said that I had a negative balance wants the account clothes and I was unsure as to how that happened. XXXX wired my IRS refund to Amsher collection services and they took my refund. It was {$5400.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I made my monthly payments for both XXXX and XXXX on time not to mention the payoff payment made in XXXX and the company reported the payment 30 then 60 days late then closed. There were fees tacked onto the end of the loan due to financial hardships which resulted in a repossession over 2 years prior but the loan company added these fees to the end of the loan and according to their website every time a payment was made, the minimum payment had been made on time. They took the payments made in both XXXX and in XXXX and dispersed the payment in different areas and then reported the payments late. Each month the payments were made for a total of what their site said was minimum ( as well as according to loan terms ) and they also never called inquiring why any payment was late which is their normal process when a payment is ever 2 weeks late or greater ( this comes from financial hardship experience ). So why are my payments which were made accordingly and in the amount of every payment prior being marked as late. This is extremely impacting my credit score which Ive worked very hard on for the past 2 years to improve and am now possibly not going to be able to purchase a home when I did what I was supposed to. Ive tried to talk to them, they continue to accuse me of making partial payments, they have stated they will request and audit but still refuse to correct this even though I have proof from my bank showing I made these payments in one full amount and their website even shows my payments were made on time and in the full amount.

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 2023-04-27
Company: Bread Financial Holdings, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
This is the 2nd complaint that I am having to issue through The Consumer Financial Bureau. 

Comenity Bank issued me a rewards points refund check # XXXX on XX/XX/2023 in the amount of {$110.00}. I deposited the check into my bank and the check did not clear their bank. I also have a {$640.00} credit on my account from an overpayment with them that I would like returned as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: Revenue Assurance Professionals LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/2017 {$850.00} I have filed a compliant against the collection agency on the XXXX website using the following sentences : Complaint Description. I do not have a contract with XXXX XXXX XXXX. I am not liable for this collection this debt from XXXX XXXX. I am not responsible for this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10
Company: BB&T CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I had a fraudulent charge of {$320.00} for XXXX on XX/XX/XXXX. I noticed this charge when it was pending and immediately contacted my Branch Banking and Trust Company to let them know that there was fraudulent activity on my card. The canceled my current debit card but said that since it was posted they couldn't do anything about it and told me once it posts to call back and report it as a fraudulent charge. I also tried contact XXXX XXXX at this time and again on XX/XX/XXXX, but since I don't have an account with them and they are not my cell phone provide they said they can not help me and to contact you. 

I received a letter from BB & T bank saying they investigated the charge and are saying it is a valid charge so they are going to reverse the provisional credit and I'm responsible for the charge. They are only open during the week and I received the letter on Saturday but they are basically saying that they found it was not an error and I am responsible for the charge. I did not incur this charge nor did I authorize anyone to use my account to make this purchase. This is absolutely a fraudulent charge and someone used my account without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: PHH Mortgage Services Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I originally complained about the unfair assessment of late fees on XX/XX/18 to my loan account ; the fact that they mixed up the mortgage payments and put them into the wrong accounts ; that the extra money I sent to be paid to the principle was paid to the loan interest ; and the most important part they allowed my homeowners insurance to lapse, because they did not renew my insurance on time, and as a result it is scheduled to expire on XX/XX/18. They have addressed the first two issues to correct the mistakes of payment in the right places and adjust principle to reflect the payments made to that area, but they have neglected to fix the insurance part which is most important, because a house must have insurance on it, in case of fire or natural disasters, if for some reason something perchance occurred, I would not be covered. In this case, although the mortgage is tied to the home insurance and they are responsible for paying the premiums and ensuring that the insurance coverage is there, instead, they have ignored this aspect of the complaint, and just sent me a letter stating that the home insurance will expire on XX/XX/2018, without making any efforts to see that it be reinstated to ensure that my home is covered from these disasters, and they are further telling me that without home insurance, they can not service my mortgage loan, which is very unfair of them to me, as they are totally responsible for renewing it, and they don't care to do so! And I want my insurance reinstated before the expiry date reaches! I urgently need this to be done!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-18
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I work in a covid unit. PEOPLE ARE DYING. Pandemic is spreading Navient robo-calls are constant on my office phone. XXXX XXXX numbers are : XXXX XXXX XXXX XXXX, XXXX XXXX ( who is on the recording ) does not exist. 
I don't have time for this XXXX. Calls must stop immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect 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 non-monetary relief