BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-28
Company: PENNYMAC LOAN SERVICES, LLC.
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am in a state program which is making payments to XXXX XXXX for my mortgage and every month they let it sit and don't apply it. They only investigate once I make a complaint. I should not have to do this, this should be applied more efficiently.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
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:
ARS is a debt collection company that claims I owe {$460.00} for an unknown medical debt. They say XXXX XXXX XXXX is a billing agency for XXXX XXXX   hospitals in XXXX ohio. While I have contacted BOTH places, the debt ARS claims does not exist to the original billing company. This collection has been in constant dispute. Further damaging my credit with their constant reporting to all three credit bureaus. I believe that a medical debt completely unknown to me was sold to this agency for pennies, and is over 5 years old at this point.

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 2020-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
For several months I have submitted dispute request via certified mail to Transunion along with all requested identification and proof of identity and address. For several months they have not followed the guidelines according to the Fair Credit Reporting Act and Im another complaint to expose yet another violation. XX/XX/2020 I sent a letter requesting verification of how these items are being verified. Section 611 ( c ) of the FCRA provides : " Whenever a statement of dispute is filed,... the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumer 's statement or a clear and accurate codification or summary thereof '' I received no correspondence by mail as outlined In section 611 ( c ) of the FCRA the credit furnisher had 15 days to comply with providing step by step procedural of the name and title is persons verifying this false information to be true. I have grown increasingly tired of the scripted emails and stall tactics from Transunion!! This is in DIRECT violation of the FCRA section 611. They are continually and knowingly reporting inaccurate and misleading credit information further unfairly damaging my credit 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 2023-08-28
Company: Chime Financial Inc
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Chime set up a new account using a fraudulent application for account with my personal information without my consent or knowledge, current balance XXXX ( XX/XX/2023 ). 

Chime sending Visa Credit card associated with fraudulent account without my consent or knowledge ( XX/XX/2023 ). 

Chime support refused to freeze or delete account that I identified using provided email information, verified email address and phone numbers ( 2 part identification ) ( XX/XX/2023 ). 

Upon sign in and verification at Chime site, Chime will not terminate account attached to " Visa '', " XXXX XXXX XXXX XXXX '' and/or " XXXX XXXX XXXX XXXX. ". 

Chime gains access to banking services through " XXXX XXXX XXXX XXXX. '' and/or " XXXX XXXX XXXX XXXX. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received a Verizon Visa credit card offer thru Synchrony Bank, signed up for the offer and was approved. The offer promised to save me {$10.00} a month on my Verizon bill, but I never received a discount and instead was given a {$28.00} fee. My Verizon bill was already set up for autopay but Synchrony Bank never sent me a paper bill. Three months later I received a letter from Synchrony Bank stating : When you were approved for your Verizon Visa signature card account, you agreed to go paperless with your statements. We have noticed you have not registered or have not completed registering at Verizonvisacard.syf.com to use online account services and have removed you from the electronic statement process. We will now only send you paper statements. Please register or complete the registration process at Verizonvisacard.SYF.com and re-enroll to receive electronic statements. You may have a payment due. Please register and view the status of your account ... ..

I registered online per the instructions in the letter to discover in the online information provided that I was not saving {$10.00} a month as promised and instead was assessed a {$28.00} late fee. I was not sent any paper statements so I was completely unaware of the overdue bill. I paid the statement balance online in full immediately. My credit score is in the 800s and I am an extremely responsible person so I am confused as to how this happened and can only assume I was scammed by Verizon and Synchrony Bank with their intentionally confusing credit card offer. I called the customer service number  provided in the letter, XXXX, and after going through Synchrony Banks automated system to reach a live agent I received an automated message that the number was no longer in service. I called back several more times and was still not able to reach a live agent, receiving only a vague message to try again later. There was no option to contact anyone via email or any other way other than the phone number that obviously didnt work. I feel I have been taken advantage of by both Verizon and Synchrony Bank. The lines are intentionally blurred so that you dont know which company youre dealing with. Its intentionally misleading and both companies are profiting by it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-16
Company: Paypal Holdings, Inc
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a XXXX, XXXX XXXX XXXX, and I have used PayPal to process my credit sales transactions for over seven years. On XX/XX/2020, I noticed fraudulent activity on my account. I took immediate action to report it to PayPal in their system using email and messaging because they do not provide a telephone number to speak with a person. 
I have asked them to freeze my account and investigate these fraudulent transactions which appear to be money laundering. I have not received any feedback nor assurances that the company even recognizes the fraud. I have not closed the account because I want this to be resolved so they do not start a collection activity and ruin my excellent credit. 

The company has my account listed that I owe {$4500.00} as of XX/XX/2020. 

I can provide a PDF file of the fraudulent transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-15
Company: CREDIT ACCEPTANCE CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
The company picked up my car in XXXX XXXX and I got it back the following day. I paid what they said I had to and then i strated paying {$250.00} every 2 weeks to keep it up and not have such a big payment at once. Now they are saying Im past due again afte they have told me they dont allow a 10 day grace period. My question is how an Im behind if they dont allow the grace period? I am trying my best to pay for the car and I have kept up with the payments and they still want more money on top of the regular payment.

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 2020-09-13
Company: BBVA FINANCIAL CORPORATION
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
BBVA credit card notified me of possible fraud charges on my account on text and email, which was great, but they did not take action to remove the 3 fraud charges i never made on my card. I have also called customer service and told them I don't use this card, and request to block my acct and issue me a new one for security purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my mortgage with XXXX XX/XX/XXXX for {$250000.00}, 30yr, 5.5 %. In XXXX after the nationwide financial crisis, I applied for a modification and was approved with lower monthly payments. After making the payments I was approved to make, in XXXX I got a foreclosure letter that I had to pay {$16000.00} to reinstate my mortgage. I took a 401K loan for {$16000.00} with interest to pay off the amount owed. In XXXX I was laid off and applied for a modification for the 2nd time. I was approved in XXXX, for 4 %, 40 years, my payment was not reduced and my principal went up to {$260.00}, XXXX. I am now beginning to realize that I was robbed by XXXX. I paid my mortgage from XXXX to XXXX and my principal was up {$7000.00} more than I started with. What happened to 9 years worth of payments. The last few years have been very difficult with my husbands XXXX diagnosis and treatment. Now were looking at our finances and after paying our mortgage for the last 16 years, our principal is only reduced by {$16000.00}. It just does not add up and I dont know where to start or where to get help. I just know Ive been robbed. Please help. I have all documents from XXXX that I can submit if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

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 2023-04-17
Company: EQUIFAX, INC.
State: MO
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The attachments below shows that my credit score went down because of this collection. I received a letter also attached below stating that this collection was deleted but its still showing on my credit report. Also on the CFPB website it states that in 2023 any medical bill thats under {$500.00} cant be reported to consumer reports anymore.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-18
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
On XX/XX/2019 and XX/XX/2019, I stated to the company I was willing to pay what I was paying the other debt collector, XXXX, who went out of business, which is {$100.00} a month. However they wanted me to agree to their terms of payment. So I asked if I could have until the end of the month to budget, the supervisor got on the phone and said you know how much you make, you have 2 hours to agree to our terms or we are going to garnish your wages and I have your employers contact information. I said I will agree now on the {$100.00} a month but he told me to keep my little money for my lawyer. Then I said I have one and I pay every month, he said whats the number about 5 times before I hung up. I also got a message that I refused to pay which I never refused to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: CURO Intermediate Holdings
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: Old information reappears or never goes away

Complaint:
This account is older than 7 years from the FIRET delinquent date. However, another date is given as the original delinquent date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: I.C. System, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

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 2020-09-13
Company: DISCOVER BANK
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for a Discover Card a few days ago and was approved immediately but wanted me to call them. After I called them, they asked a few questions like my previous address and wanted to call me on the phone number that I provided to them and then told me I am accepted and will get the card soon. The next day I got an email that they want my permission to call my tax return, so I did give them my approval. Now they want me to provide them with my three months of checking account statement, or they will cancel my credit card. Really? On top of that, they have put on limitations on my credit card. When I asked what are the limitations? A lady name XXXX said well, your credit card may not work in certain places. I dont feel comfortable giving my checking account statement to a credit card company. I think its unfair that they ask me all this verification information after I was approved for this credit card. If they wanted all this information, they should have done further investigation before giving me the credit card. I think it has to do with two things. One is my name, which is not a typical American name like XXXX, XXXX, XXXX. Somehow, they think I wont be able to pay my bills because I am an immigrant. The second reason is that I am retired. I think it has to do more with classism and xenophobia. Their credit statement clearly says that they dont decide based on race or age, but they sure are in this case. If I am already approved for a credit card based on my good credit, then what seem to be the problem? If they canceled my credit card because I dont want to give them my account statement. I am filling a lawsuit against Discover for  classism and racism.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Resurgent Capital Services L.P.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
LVNV Funding XX/XX/XXXX still shows active as of XX/XX/XXXX and this account has in correct amounts. Was never given any notice of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
Company: HW Holding, Inc
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We have a collection on our credit reports that is from a rental agency that we've never lived at and we never have broken a lease for that much money to begin with. The company refuses to remove the collection from our credit report though.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I want to SUE DITECH, I paid my mortage every month after my loan modification with XXXX XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-29
Company: Colony Brands, Inc.
State: NY
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:
XX/XX/22 CFPB COMPLAINT THIS SEVENTH AVENUE WAS DELETED FROM XXXX BECAUSE OF IT BEING UNVERIFED! BUT SINCE I'VE NOTICED IT ON XXXX AND XXXX REPORTS HOW? THIS IS NOT MY ACCOUNT AND A DIRECT VIOLATION OF MY RIGHTS! LAWS ARE BEING BROKEN HERE EX : 15 1692 ( c ) ( a ) 15 USC 1692 B ( 2 ) I HAVE FILE IDENTITY COMPLAINT WITH FTC DEMAND IMMEDIATE REMOVAL FULLY PREPARED FOR LITIGATION FOR ACCOUNT REPORTING AS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX XXXX CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
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: Information belongs to someone else

Complaint:
I filed with Experian number XXXX These accounts arent mines they do not have my whole social security number and it is not on my other 2 credit reports it only is reporting on Experian account not mines

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 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer Rights to Privacy and confidentiality under Title 15 U.S.C. 1681. 

XXXX XXXXXXXX XXXX  Account # XXXX Title 15 U.S.C. 1681 section 602 A states I have the Right to Privacy.

Title 15 U.S.C. 1681 section A section 2 : It also states a consumer Reporting agency can not furnish a account without my written instruction.

Title 15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antidotes the report by more than seven years.

Title 15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish Any information relating to a consumer reporting agency if the person knows or has reasonable course to believe that the information is inaccurate.

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 2020-09-13
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I was aware of this fraud account on my credit XXXX of 2019. I am not aware of where it came from or who used my information. Since XX/XX/2019, I have been trying to get this account removed off of my credit.

Company response to consumer: Closed with explanation