BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-04
Company: Collection Management Holdings, LLC
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: Information belongs to someone else

Complaint:
This complaint is to the Credit bureaus. I have disputed this information multiple times with no change. I have sent in my ID Social Security Card as well as police report and XXXX has continuously stalled me. I would like your help in getting this matter investigated and removed immediately. My personal information has been used repeatedly used and my identity is compromised. Please help XXXX is reporting incorrect and fraudulent information in my name which has severly hindered me. I am not responsible for the following accounts. 
XXXX XXXX XXXX XX/XX/2020 -This account is ridiculous. There is no payment history and no notes on this account. It just shows a collection which I have no idea came from. I have disputed this account explaining that I have no knowledge of this account. I have asked for proof of my signature when applying for this account. I have had no such luck in fixing this issue. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX I have continuously explained that I have no knowledge of this account. I have never opened this account and I dont understand how it is listed on my report. This account is also fraudulent. 


XXXX XXXX XXXX XXXX XXXX XXXX I have never had an account with XXXX XXXX  XXXX I reached out to the company directly to ask for proof and to explain that this is fraud and they were suppose to investigate and remove. It has been years with no change. The account has no history or usage on any devices fraudulently purchased yet I have had no help it removing this information. 

XXXX XXXXXXXX bankruptcy XXXX have only filed a XXXX XXXX bankruptcy in the past. Which has already been removed after 7years. I have repeatedly reached out and disputed this information with the credit bureaus as well as the bankruptcy court on how this misunderstanding needs to be fixed and removed immediately. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18
Company: Experian Information Solutions 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:
According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Creditor Information XXXX   XXXX  XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
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:
I went to XXXX XXXX in XXXX XXXX  Oklahoma on XX/XX/XXXX the internet sales manager promised me that my credit would NOT be pulled and then in less then 24 hours my credit had been pulled 3 times XX/XX/XXXX I complain to all 3 parties involved XXXX, XXXX XXXX, and capital one auto finance they refused to do anything about this issue so I then filed a complaint with the XXXX XXXX XXXX and the Oklahoma attorney general and still nothing I was miss lead in order to get me to give them my information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: SYNCHRONY FINANCIAL
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:
My I.D and social security number were stolen 2 months ago and XXXX XXXX is letting me know that i have 3 hard inquiries that i did not give permission to in the past 3 weeks.

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 2019-01-18
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 status incorrect

Complaint:
Collection agency keep selling a stolen identity account to each other and after I deleted from my three reports, Experien don't wan na take it off after I filled the necessary police report, the XXXX  and XXXX  took it off but the shady Experien doesn't wan na remove it, please help it's like A mafia thing I have been trying for three years to remove it but, they refused..

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 2018-06-07
Company: U.S. BANCORP
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My bank has been having problems with automated payments to my credit card company - cancelling them because of the amounts involved in concerns for fraud. I am able to make manual payments on my card. Because the automated payment is returning each month, the credit card company is putting a 7-day payment hold on ALL payments made to them. On top of this, when an automated payment is made, I can't pay any amount on the card until the original payment has failed because I'm not allowed to pay above the balance on the account. I have discussed with customer service the situation several times and they refuse to acknowledge that the automated payments are the ones failing and the manual payments are all going through. They refuse to release payment holds on the credit card. 

The problem this causes is that the CC account shows it is under the credit limit but on some internal system goes over its credit limit and the card is declined. The account balance on the card remains low ( showing on all services and in automated customer service system as paid ) while the customer service representatives report the balance as over the limit ( showing as not paid ). 

This is the card which I have signed up all recurring service charges to - phone, security, alarm services, insurance billing, etc. These are highly important charges to go through and because of this situation with the CC, I am regularly having to call customer service for each of these services to fix the failed payments. 

I have requested that the credit card company provide any possible mechanism to make the CC functional again. Releasing the payment hold on manual payments was refused. Increasing the CC limit was refused. Speaking with someone else was refused. They refused to provide me with a notification when the internal CC limit was being approached so that I could avoid it going over. They refused to make it possible to pay over the account balance during an automatic payment. The closest I have come to a resolution was after offering to send in a bank statement showing the transaction, they said that they would review it and it was in their discretion whether or not to release the payment hold. 

I have been working with my bank to fix the automatic payment issue, and hope that it will be resolved soon. The refusal of the CC company to find a way to have the CC be functional is a massive headache and not providing the service for which I signed up.

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 2019-01-18
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We went through a foreclosure /modification under the auspices of XXXX County Court in XXXX XXXX New York . Several things happened during this process that we feel were not right. First off Di Tech had held 5 months of payments in Suspense while filing a foreclosure action against us. They did not acknowledge having the money until we brought it up in court. Then miraculously the money over ( 10,000.00 ) was returned to us. After much grief and stress we were finally offered a modification plan still with an exorbitant amount of interest for these times ( 5.375 % ) and we made our trial payments. The referee ruled we had to wait for the bank to put the mods in place a process delayed for no apparent reason by the bank for 2 months until the referee ordered someone to appear before her if this was not done later in XXXX I believe. Our modification period ended in XXXX and we were just making payments as we were told. All of a Sudden XXXX bill came in with additional charges of 300 plus dollars for " Legal Fees " we stated we were told that these fees were what was added into the loan because over 35K was added back to our loan. We were told in Court that these fees were the money we were waiting for them to add on to the mortgage to come up with final numbers. We got these final numbers which was not until XXXX or XXXX. Then in XXXX we get these additional charges and when we called Di Tech they said more would be added in XXXX. We have deducted this 600+ dollars from our payments and told them this money should have already been included in the numbers and at this point if it wasn't it was their loss. 
Today I received a response from Di Tech and the Representative was nasty and said well then they will just add them on to the end number and I said they have already been added in and if they did we would surely be in court again.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: Santander Consumer USA Holdings Inc.
State: WI
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Mid-day XX/XX/2020 ; I reached out to Santandar Consumer USA to find out what happened with the vehicle that was in my name. This was a vehicle that I had financed for someone and starting months back no longer recieved updates on from Santander Consumer USA or the person that had possession of this vehicle. Through that phone call i found out that the vehicle had been repossessed, sold at auction and the debt had been sent off to a collection agency. They gave me the number to XXXX XXXX XXXX , XXXX and said for anymore information that I should call them. I called XXXX XXXX XXXX, XXXX shortly after and spoke to a representative who informed me that I owed XXXX left on the vehicle and instantly proceeded to ask for personal information. I obliged and gave my address and other contact information. When the phone call reached negotiations on the debt I told the representative that i needed to think about it and I never set up a payment arrangement with them that day or any other. 

On XX/XX/2020 ; I recieved a letter from XXXX XXXX XXXX , XXXX that stated that I had set a payment of XXXX to XXXX resolve the debt and that they had not recieved it. I did not make this payment arrangement and I did not promise XXXX XXXX XXXX , XXXX a payment of XXXX. Nor do I believe I was informed by XXXX XXXX XXXX , XXXX during any point in communication that I had the ability to dispute this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: Flagstar Bank, N.A.
State: CO
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 contacted my current mortgage company, Flagstar Bank, in late XXXX to inquire about their forbearance plan and whether or not I qualified due to the COVID-19 Hardship. They confirmed that I did, and sent me a letter confirming this information stating that my payment would be deferred for a period of 6 months ( XXXX - XXXX, 2020 ). I was told and assured that there would be no negative impact to my credit report during this period and that there would be no late payments reported during the forbearance period. I received information earlier this week that Flagstar Bank indeed reported me late for my XXXX mortgage payment. I contacted them and they confirmed that this wasn't supposed to happen but that I had to dispute this, even thought they admitted that this should not have been reported. This is unacceptable that a company would go back on what they claimed as part of the forbearance plan.

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 2018-07-14
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have an XXXX store card which is run by synchrony banking. I have had this card set up on auto pay and it has been set up this way for years. For whatever reason my XXXX payment was not deducted which resulted in a missed payment and late fee even though it is still set up on auto pay and has not been taken off. Sycrony banking called me five times over a four hour period along with several other calls early in the morning on other days even though I told them I would check the account and see if I could figure out why the payment didnt go through since they were no help on letting me know why themselves. I find their excessive amount of calls in such a short period of time extremely frustrating and do not appreciate the harassment considering my on time payment history with them since I acquired their card.

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 2020-05-09
Company: CITIBANK, N.A.
State: SC
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:
To whom it may concern : I have been trying to get a refund in the amount of {$4600.00} from XXXX XXXX XXXX XXXX for booking # XXXX. Sailing date was supposed to be XX/XX/2020via XXXX out of XXXX, FL. Trip was cancelled due to Covid-19 per CDC and US Dept of State 's no sail / travel order. 
XXXX sent by email an option for 100 % refund, which I requested on XX/XX/2020. 

XX/XX/2020 - I filed disputes related with Citi credit card for all XXXX charges because I was fearful XXXX wasn't going to refund. Citi is investigating ( note that all charges concerning trip were paid off in full late XX/XX/2020 ), but, now it appears they ( Citi ) are holding my money. 

XX/XX/2020 - the only charge that was made from my personal checking account to XXXX for a spa treatment for my significant other was refunded in the amount of {$79.00}. This tells me they ( XXXX ) are in the act of refunding. I then called XXXX and they gave me itemized list via phone for all charges and said they were refunded late XX/XX/2020 early XX/XX/2020. The representative also told me that the bank ( Citi ) was now supposed to be streamlining this process. I am currently trying to get proof of refund from XXXX through documentation. 
Citi said they have received no payment from XXXX 's bank and I am hearing the same thing over and over from them ( I have 15 pages of documentation of correspondence through Cit 's messenger app. ) I have contacted XXXX XXXX XXXX XXXX, Citi, US DOJ, South Carolina Attorney General, and CFPB.

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 2019-01-18
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Seven medical bills that were in collection was paid in full over a year ago. These items still show on my credit report with major deficiencies to my credit rating hence I am unable to refinance my family home. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18
Company: Credit Bureau of Carbon County
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Early XX/XX/XXXX i was taken to an emergency room in colorado via ambulance. 

At the time i was uninsured but was told i could be retroactively covered via colorados healthcare/XXXX. 

I applied and was accepted to the program within the time frame. It later went to collections and i was served with a summons to XXXX County Court in XXXX, Colorado by the collectors in XX/XX/XXXX. I filed a response and a motion for trial was set for XX/XX/XXXX. During that period i provided the plaintiff ( the collection agency and their representatives ) with a load letter officially stating i was covered for the costs incurred in XX/XX/XXXX. 

A motion for continuance was requested as they billed medicaid. On XX/XX/XXXX the case was dropped as the situation was resolved. 

In XX/XX/XXXX i checked my credit report via XXXX and noticed i had a collections appearing. This was part of the collection that was solved and should not have appeared. 

On XX/XX/XXXX at XXXX MST i submitted a dispute with the credit agency XXXX  including the letter saying my medicaid covered it, the official case dismissed paper signed by a judge, and the original summons complaint. 

On XX/XX/XXXX i was told the dispute was unsuccesful. 

" The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' Because the collection agency still said i owed. I did not. 

Today, 1 year later from the end of the litigation the account still sits on my experian report. I called the agency and then they said " oh yeah it should be closed '' todays date is XX/XX/XXXX. 

I have been hurt severely due to this unjust appearance on my report. Seeing this false report lenders are rightfully skeptical of lending to me, and even if they do it is at astronomically high rates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-18
Company: Duvera Billing Services, LLC
State: PA
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:
The XXXX  and XXXX  Credit Bureaus are reporting inaccurate information on EASYPAY/DVRA ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: EQUIFAX, INC.
State: OH
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 and XX/XX/2020 I sent letters to Equifax to provide physical verification for accounts that are being reported on my credit report, and for those items to be deleted. After 30 days there was nothing sent to me to and items still show on my report. As of today XX/XX/2020 have still yet to receive any physical verification of these items belonging to me. Per section 609 of the FCRA they are required by law to provide this information, and if they can't the items should be deleted at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19
Company: Experian Information Solutions Inc.
State: IN
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:
In light of new documentation received by XXXX regarding disbarment date for the entire life of these student loans Acct # Remove Late Payments & Correct Complete Payment history for these accounts ( Open to close ). Please make sure these are update to show ( NR ) as paid on time and ( ANY LATES ) to paid on time for each and every month. Thanks For each and every one of these loans, this payment dates look pretty much like it does below I know its a lot and I apologize you had to be the one to get this, but thanks in advance for doing this correctly.

( Accounts with late payments ranging for ( XX/XX/XXXX-XX/XX/XXXX ), which were covered, under either a deferment, forbearance or grace period. As proven via XXXX XXXX XXXX disbursements )

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