BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-13
Company: Ability Recovery Services, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A debt validation request was sent to them directly XXXX of XXXX and again on XX/XX/XXXX and they failed to respond. I also disputed it with all 3 bureaus and it still remains. I have never done business with XXXX XXXX or attended their school.

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 2021-03-03
Company: CITIZENS FINANCIAL GROUP, INC.
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-07
Company: Experian Information Solutions Inc.
State: CA
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 recently sent in letters over 65 days ago to this bureau and they are disregarding a regular consumer dispute. I have experienced emotional stress because of 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 explanation
Consumer complaint received 2018-07-03
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Company involved is Shellpoint Mortgage Servicing. 

I submitted a previous complaint XXXX on XX/XX/2018. 

My concern is that this case was closed, because the company responded to my above complaint, and the case was closed on XX/XX/2018. The response that was provided by Shellpoint Mortgage Servicing originally has now been changed and I was not informed until today, XX/XX/2018. 

When I originally asked to be put back on a repayment plan, I was told that it wouldn't be possible and that If I wanted to keep my home I would need to pay {$15000.00} before the foreclosure sale date of XX/XX/2018. 

It wasn't until I filed my complaint that they were willing to work with me, and XXXX put me on another repayment plan to pay off the {$15000.00} that was past due. 

I asked XXXX XXXX, my point of contact in the loss mitigation department and several other rep 's in that department what would be my monthly repayments, and I was told that they did not have the current figures because they needed to get the total cost of the attorney fees and appraisal fees, and it would take up to 7 business days, and once the figures were all calculated, XXXX would contact me with the payment breakdown. This process started between XX/XX/XXXX and XX/XX/2018. 

When I called and a week later to spoke with XXXX to see if they had the repayment figures worked out I was informed that she did. I had to make an initial down payment of {$8200.00} on XX/XX/2018 ( pymt made ), second payment of {$3100.00} was to be paid by XX/XX/2018, and 5 subsequent payments of {$3100.00} to be paid over a 5 month period to satisfy my repayment plan. 

Here it is XX/XX/2018, I receive a call from XXXX stating that my payment plan that was originally agreed upon based on their calculations has now increased because they did not include {$180.00} ( late fee ), {$2300.00} ( legal fee ), and {$1100.00} ( other fees ) to which she could not explain what the " other fees '' were. And this is already after I made my payment of {$8200.00}. 

How is this helping someone to keep their home??? It's more like a SCAM to get me out of it. This is not the first time this company has done this to me ... it first started with the modification that turned into a repayment plan. 

How is this even ethical or moral? The whole purpose of them having me wait from XX/XX/XXXX-XX/XX/XXXX, was so that they could calculate the cost. This should be against the law.. they need to be investigated by the CA Attorney General 's office due to their immoral and predatory practices ; not to mention the laundry list of consumer complaints against them. 

Now I wonder if they even stopped the foreclosure process/sale date. 

I want an audit!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
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 status incorrect

Complaint:
Credit report is reporting data that is incorrect. XXXX XXXX is reporting an account that was not opened or used by me. 

Hard inquires needing to be removed, credit was not extended

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 2018-03-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had a checking account with USAA and insurance. I had trouble paying my insurance, but when I tried to handle the situation I was dismissed from the company due to Bank fraud from XX/XX/XXXX. I had been with USAA and paying my insurance and all, but never contacted or emailed or even mailed a letter on bank fraud ever happening to my account. I tried to speak with customer service and fraud prevention as well. I was always passed around and put on hold for hours. I was told to contact the company in three days. I never could get any information on the bank fraud and why I was dismissed from insurance and USAA altogether. This year XX/XX/XXXX, I received two XXXX in the mail from USAA, and I found out that they are claiming I have received funds from them in the amount of {$980.00} and {$1900.00}. They also checked on the form I was personally liable for the debt and I had no clue I had any debt with the company. The only information the bak can tell me is that the fraud was done in XX/XX/XXXX. I did not find out about the fraud until XX/XX/XXXX, when trying to figure out what happened to my insurance claim and why I was dismissed from continuing business with the company. I am filing this complaint because this was not handled properly or even investigated by the bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 SENT IN FRAUD INFORMATION TO XXXX AND TRANSUNION CREDIT COMPANY AND THEY HAVE REFUSED TO REMOVE THE FRAUDULENT INFORMATION OR INVESTIGATE AND SEND PROOF OF 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 non-monetary relief
Consumer complaint received 2021-03-03
Company: CHS, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was sent a letter that XXXX was closing and the bills would be sent to XXXX XXXX XXXX. So I waited for a bill to pay because if they are closing how do I pay. 
Instead of it being sent to XXXX XXXX XXXX  it is sent to collections without notice. I can not get any one from XXXX on the phone after weeks of calling no one answers. I had called XXXX to pay the bill and set up payment and they said it was never sent to them. 
Sca credit services refused to send it to XXXX XXXX XXXX  and claim they never heard of such a thing.also then called XXXX they said I have to set it up online but then I told the guy I dont have a statement to set up the act and he said to Contact XXXX  but no one ever answers So this is nuts. If they dont want my money I cant even do anything about it because they are closed ... the bill is not with XXXX  and I will never send a dime to a collection agency that is attempting to hold onto my bill through extortion and fraud means.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
On XX/XX/2018 I received a letter from American Express telling me that " We may begin sharing your information with out partners. '' I called the company to again tell them that they should not share any information or solicit me in any way. Through an automated phone system I was offered seven ways to turn off sharing, but several would be automatically reinstated in 3 years or others in 5 years. I called to talk to a person and was told that there was no option to permanently turn off sharing my information or marketing to me. They were also unable to tell me if my state offered a longer protection for my settings to stay in place. When I went online there was an eighth setting for privacy which was still selected in which they had the right to sell my purchase information. I had to turn this off separately and was not part of the phone options.

I would like a way to keep my privacy settings in place permanently. And I think telling me over and over again that there were only 7 settings and withholding the 8th setting is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: CARRINGTON MORTGAGE SERVICES, LLC
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:
- in XX/XX/2020, I called Carrington Mortgage to notify them of my impending home sale to close on XX/XX/2020 but I had a mortgage payment due on XX/XX/2020. 
- they told me they would cancel the XX/XX/2020 auto payment and allow my Escrow to pay the full mortgage amount. 
- unfortunately, the buyers had to delay the close by 1 week due to repairs to the septic system thus when the home finally closed, my payment was placed in delinquent status and reported onto my credit report. 

- I have called repeated times to Carrington Mortgage and have written to their Claims department but they have rejected my pleas.

- I was never afforded a 30 day leeway to resolve this issue. 
- I have never missed a mortgage payment in 10 years with Carrington Mortgage.

- My credit score plummeted and I need to get a loan to pay bills due to Covid19 pandemic. PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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 status incorrect

Complaint:
Due to job loss, my husband and I were unable to pay our credit card minimum balances. My husband was recently hired for new job and we were able to get current on our cards. We asked that the late payments be removed and that the credit card be updated to " Paid As Agreed '' on our credit reports. They declined to help us due to the Fair Credit Reporting Act. However, only five years ago, we went through similar hardship, made a similar request, and it was granted. We want the late payments removed from his credit report as well as the accounts to be updated to paid as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-20
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX Equifax Credit Services Dispute Inquirys Dear Equifax Credit Services, This letter is a formal request to remove unauthorized inquiries from my credit report XXXX XXXX Inquiry from XX/XX/2020 Auto Financing XXXX  XXXX Inquiry from XX/XX/2020 Auto Financing XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 Automobile Dealers, XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/2020 XXXX XXXX  XXXX XXXX XXXX Inquiry from XX/XX/2020 Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 Auto Financing XXXX  XXXX Inquiry from XX/XX/2020 Auto Financing XXXX XXXX Inquiry from XX/XX/2020 Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/2020 Auto Financing XXXX  XXXX XXXX XXXX Inquiry from XX/XX/2020 Automobile Dealers, XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 Automobile Dealers, XXXX  XXXX XXXX XXXX XXXX from XX/XX/2020 Auto Financing XXXX XXXX XXXX  Inquiry from XX/XX/2020 All Banks XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 
Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at XXXX ). 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: RentDebt Automated Collections, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have attempted to contact multiple times that was paid to original creditor and should removed off my credit report. Original creditor submitted payment receipts, and I also through credit agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
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:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX  XXXX  XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 7. Company Name : XXXX XXXX  XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft XXXX. Company Name : XXXX  XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 10. Company Name : XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 11. Company Name : XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 12. Company Name : XXXX XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 13. Company Name : XXXX XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft

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 2018-05-02
Company: Bread Financial Holdings, Inc.
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have had many problems with this company. XXXX XXXX sends me letters stating they are lowering my account balance due to my credit score being low. But my credit score was increasing at the time of them lowering it. This time they closed my account due to inactivity because I havent used my card in two months. They stated they can not reopen nor will they reopen and that its my problem. They have very poor customer service no matter who you talk to or how far up the chain you go. I have been hung up on for asking to speak to someone higher up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Called Bank of America 2 times in last 2 weeks because bank texted me that my credit card had been approved. I did not apply for a credit card and told the bank not to issue the card. bank said they would not issue the card. this happened again a week later happened 3 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: AMERICAN EXPRESS COMPANY
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
In XXXX of XXXX, I reported my XXXX XXXX American Express missing and asked for a replacement card. The annual fee for this card is {$590.00}. They never sent it. 
In XXXX I was billed again for {$590.00}, which I paid. They refuse to send my card. I've called repeatedly and as of XX/XX/XXXX, Ive asked for a refund, prorated back to XXXX of XXXX. 
They are refusing. I am a long time > 20 year Am Ex card holder and have had the XXXX Platinum Card for XXXX or 10 years. 
If this has happened to me I am certain that it has happened to others. When XXXX pays {$590.00} annual fee for the card, one shouldn't have to beg for the card. 
Please advise. 
Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-08
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I previously sent you a request for verifiable proof of the accounts listed on my credit report that were not mine or were inaccurate. You took the 30 days required by law and still you failed to provide the necessary proof of these inaccuracies. You are required by law to have the original creditors documentation on file to verify this information.

You have failed to comply with Section 611 of the FCRA and I demand these accounts be removed from my credit report immediately!

I have also requested that all unauthorized inquiries be deleted from my credit file. You have failed to do so and I demand that any inquiry that does not have my signature attached to it be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: Convergent Resources, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid the collection agency in 3 payments in XX/XX/XXXX and XX/XX/XXXX for settlement amount of {$240.00}. The bill was for XXXX. They on XX/XX/XXXX XXXX XXXX XXXX tried to collect on the bill again and added to credit bureau as collection. When I called with proof they state didnt know why it came up and was sent to credit bureau. Updated credit bureau as paid, states cant remove there error.

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 2021-04-30
Company: DISCOVER BANK
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Credit card was opened in my name not by me. A lot was charged on card all not by me. 
{$9900.00} at the moment. I filed a police report in 2017 and spoke with there fraud department and sent a police report. The credit card company has not called me about any of the payments but they have really lowered my credit score with the charge off. and as of today it still shows up on my credit report as a charge off that has lowered my credit score over 100 points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-03
Company: Machol & Johannes, LLC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
in XXXX I had set up payment arrangements to pay off two credit card debts this company took control over. I missed 2 payments so on XX/XX/XXXX the company garnished from my bank account the remaining balance and the debt was satisfied. On XX/XX/XXXX this company garnished {$470.00} again from my bank account. After contacting the company and confirming that this is THEIR mistake and that the debt was previously paid off they continued with the garnishment and took the money from my bank account. Several attempts via phone were made to try and contact them and have the money released by to me and they would not answer the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation