BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-22
Company: SYNCHRONY FINANCIAL
State: CT
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 or about XX/XX/XXXX Amazon Synchrony Bank opened a fraudulent account without my permission. Credit bureaus XXXX and XXXX  were notified promptly, and immediately removed the fraud credit card & reporting from my account. However. XXXX  visibly removed it from the online reporting and on XX/XX/XXXX I was informed by an XXXX  Representative that, a late payment from Amazon Synchrony Bank appears on my Credit Report as 60-90 days late. As a result of this malicious, retaliated actions of XXXX, 2 of my credit accounts limits were decreased. Now as a result of XXXX  fraudulent actions I have to monitor my credit reporting daily.

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 2019-05-31
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Specialized Loan Servicing ( SLS ) has become my new servicing lender since the beginning of XXXX. I have reached out to this lender on several occasions for mortgage assistance or loan modification. They continue to give me the run around regarding some type of assistance that I qualify for. My current BK post post petition payment is at a ridiculous {$3100.00}, my current P & I payment is {$2200.00} at 4 % per my docs I signed back in XXXX. SLS continues to send me denials stating that my P & I payment is {$1600.00} at 2 %. They clearly are smarter than this to make these type of errors. Because if you read the agreement I signed back in XXXX it clearly states that my current P & I payment is {$2200.00} at 4 %. If you look at the response they sent to me dated XX/XX/XXXX they clearly say in the 4th paragraph that my new P & I payment after modifying loan balances would be {$2200.00} which is clearly less than my current payments. When I call them they keep saying oh can you fax that over we're not seeing that anywhere. They are just playing games and are unwilling to finalize a loan modification for me ASAP. I would like for this organization to intervene and help me accomplish in receiving a loan modification for my family and I. Thank you and l look forward to hearing from you all asap. 

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 explanation
Consumer complaint received 2021-08-09
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Experian factual base dispute here is the exact location of of XXXX XXXX XXXX federal court house in the city of XXXX totally different from what youre reporting please remove from my credit file immediately what youre reporting is Inaccurate in false Allegations see file for physical proof again removed from my credit report and please please send me an updated credit report with the deletion of that public record thank you so much Experian XXXX why in the XXXX do you think its ok to supply incorrect information? Remove this right now!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My current mortgage company, XXXX XXXX, transferred the servicing rights to SunTrust bank. However this company has not notified me of the transfer and I am trying to contact the mortgage department but I keep observing the phone is disconnected. I am submitting a complaint because I would like my loan servicer to be transferred to someone else or back to the original servicer.

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 2017-08-07
Company: EQUIFAX, INC.
State: TN
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:
To whom this may concern, I have asked XXXX and XXXX to verify there means of the account XXXX XXXX has on me, all the keep telling me that the information is accurate. I need to see proof of my signature and also there means of verfication thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: Ameritech Financial
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/XXXX in that time frame, I received a call from an Ameritech Financial representative, so i can pay off my student loan in small payments of {$82.00} a month. I asked how long would it take for me to pay off my student loan? The representative said 25 years if i pay {$82.00} a month. I had been paying Ameritech through my checking account monthly automatic with drawl. I had been paying for 1 year and 3 months. 
On XX/XX/XXXX, I received a letter in the mail from the Federal Trade Commission that they are suing Ameritech Financial for deceptive practices. They instructed me on what steps to take to cancel the services and ask for refund. I canceled Ameritech on XX/XX/XXXX. I asked for refund and they said i couldn't get money back, because of the agreement i made, but can cancel service and that was it.

Company response to consumer: Untimely response
Consumer complaint received 2020-11-18
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
On XX/XX/XXXX, CAPITAL ONE BANK USA add a hard inquiriy on my credit reports per XXXX, XXXX and XXXX. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiriy on my credit report per XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-09
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: Their investigation did not fix an error on your report

Complaint:
In spite of my requesting an investigation into this account there are still multiple inaccuracies reporting on my account and it's keeping me from obtaining a mortgage as per my mortgage lenders investigation in to my credit worthiness. I wont be approved due to this inaccurate information on my credit report. Why won't you investigate and save me from this pain???? XXXX XXXX  Experian XXXX  Acct # XXXX XXXX Date Last Active : Incorrect Date of Last Payment : Incorrect The name of the creditor is truncated and makes absolutely no sense. The account number is truncated so, I have no idea what the account number really is. The date of first delinquency is incorrect The payment history is extremely incorrect There was no notice of previous dispute There are so many things reporting incorrectly that there is no way that you could have done an investigation.

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 2019-05-31
Company: EQUIFAX, INC.
State: TX
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 know that I was not late on the mentioned accounts here.. I wonder why Equifax and XXXX report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: CL Holdings LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Jefferson Capital Systems Llcat XXXX XXXX XXXX XXXX XXXX XXXX MN,XXXX has been calling & sending me collection in the amount of {$1500.00}. The collection is reported as pasted due balance. I dont know this company. I have never 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 2021-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I reached out to the Credit Agencies on XX/XX/2021, and requested that they remove the account on my credit report because they are violating a United States Code. Upon speaking to multiple representatives, I was told that they are unable to remove this account. The reasons I was given is their need to contact the " original creditor '' in order to validate the debt. I informed the last representative that their company was in violation of a United States Code and was told that I needed to contact the individual companies to request removal.

The company is a violation of the following United States Code : Title 15 USC 1681b - Permissible purpose of consumer reports

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 2019-05-31
Company: ENCORE CAPITAL GROUP INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Applied for a mortgage and credit report said I had an outstanding judgement {$14000.00} Company : MIDLAND FUNDING LLC?? ; The judgement on the credit report has no information other than the debt collector and date filed XX/XX/XXXX. After further investigation, I did a search of MIDLAND FUNDING to see what this is all about and the company came up as another company MIDLAND CREDIT MANAGEMENT. The MIDLAND CREDIT MANAGEMENT Website prompts to enter personal information to find a debt and a pop window indicated due to the age of the account it will not be reported to the credit bureau. The company had available documents indicating owed balance totaling {$5900.00}, three different creditors different for the same account, conflicting dates, a long pay history from going back to XXXX of XXXX which made sense based on a open judgement for {$14000.00}. 
Issue : 1.Why a judgement was filed on XX/XX/XXXX without notification and reporting in XXXX of XXXX? 
2.Who is the entity Midland funding ?, MCM CREDIT MANAGEMENT?, XXXX? PER STATEMENT POSTED IN MCM ACCOUNT, XXXX? PER SCREEN ACCOUNT Filed. I do not know who the creditor is with all these different names and none of these name appear on my credit report except for Midland Funding LLC. 
Statement provided from MCM with XXXX?? noted as a creditor has a bill date or report date of XX/XX/XXXX and judgement showing in XXXX which is 11 years later? 

3.If payments were made, why is there a judgement and MCM amount is different from judgement. Who are these people??? 
4.Pop up says disclosure to not report debt to credit bureau because of age, but reporting to bureau as a judgement??? 
5. I only became aware of this because the mortgage company told me to fix prior to purchasing a home. A debt from XXXX from the bill looks like it was settled for less, but can not tell with limited information that is all conflicting. 
Overall, I think this is a scam cause of all the conflicting information and just need this judgement removed so I can move forward with my home purchase. thanks you XXXX XXXX DISTRICT COURT/XXXX XXXX Filed XX/XX/XXXX Reporting to credit bureau as of XX/XX/XXXX and original debt on phony statement from MCM is dated XXXX?? https : //accounts.midlandcredit.com/ # / thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: CCS Financial Services, Inc.
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:
Im being charged with collection from Credit Collection Service for {$470.00} by " XXXX XXXX XXXX XXXXXXXX XXXX I do not owe them anything and this is a fraudulent collection.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: Experian Information Solutions Inc.
State: TX
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:
I sent in letters to Experian disputing inaccurate items on my credit report and so far I have been getting ignored by the company.

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 2019-05-31
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: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the  accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. ( Original Creditor : ) XXXX**, ( Original Creditor : ) XXXX**,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: Experian Information Solutions 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 was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my Driving Licenses and Social Security Card for your reference. All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX   XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX  XXXX XXXX  XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, KY XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2016 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 explanation
Consumer complaint received 2020-11-18
Company: DRS Financial LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
OnXX/XX/2020 at XXXX XXXX  I received a robocall from Capital Collections. The robocall asked for me, said if it was not me I should hang up, then went on to say they were attempting to collect a debt. 

I received the call a So, bad practices and a TCPA violation from XXXX. 
violation.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: EQUIFAX, INC.
State: NC
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 was a XXXX XXXX credit card, card holder. 
I was suppose to receive cash back for my gas purchases. 
I was not receiving it. 
I Contacted XXXX. 
After several months of being reassured that the issue would be taken care of and being sent to different XXXX employees I was told that because the card was n't actually going in the fuel pump machine and the company I was purchasing the fuel from was charging once a week that XXXX would not being giving me my percentage on fuel purchases although it clearly stated the company as being an oil company. I felt as though XXXX owed me money and they were refusing to pay me so I refused to pay them. 
XXXX started calling me trying to receive payment and it might have even be an outside agency that was calling me. After receiving threats on these calls I decided to contact a law firm that I found on the internet. ( XXXX XXXX XXXX ) This firm supposedly started dealing with XXXX but it was a long process and I eventually quit dealing with the firm because I felt they were just draining me for money. Today I contacted XXXX to try and receive information and maybe workout a resolution. I asked to speak to a manager and when I got to him I was told that he could not give me any information on the account because a lawyer was listed on the account information. 
I was recently told by someone that checked my credit report that XXXX had reported in 2015 a  charge off. 
I also remember receiving a XXXX from XXXX that I sent to the lawyer regarding the charge off debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 was a XXXX XXXX XXXX XXXX, card holder. 
I was suppose to receive cash back for my gas purchases. 
I was not receiving it. 
I Contacted XXXX. 
After several months of being reassured that the issue would be taken care of and being sent to different chase employees I was told that because the card was n't actually going in the fuel pump machine and the company I was purchasing the fuel from was charging once a week that chase would not being giving me my percentage on fuel purchases although it clearly stated the company as being an oil company. I felt as though XXXX owed me money and they were refusing to pay me so I refused to pay them. 
XXXX started calling me trying to receive payment and it might have even be an outside agency that was calling me. After receiving threats on these calls I decided to contact a law firm that I found on the internet. ( XXXX XXXX XXXX ) This firm supposedly started dealing with XXXX but it was a long process and I eventually quit dealing with the firm because I felt they were just draining me for money. Today I contacted XXXX to try and receive information and maybe workout a resolution. I asked to speak to a manager and when I got to him I was told that he could not give me any information on the account because a lawyer was listed on the account information. 
I was recently told by someone that checked my credit report that XXXX had reported in XXXX a charge off. 
I also remember receiving a XXXX from XXXX that I sent to the lawyer regarding the charge off debt.

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 2021-02-23
Company: Santander Consumer USA Holdings Inc.
State: WI
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Santander Consumer USA at XXXX XXXX XXXX, XXXX, TX XXXX has been reporting false closed account information in the amount of XXXX {$9000.00} ) the collection has been reported as XXXX balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
file with the fcra violation ftc violation reporting error defamation of character

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