BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Ever since the state of Florida went on lockdown from the Corona Virus, approximately XX/XX/2020, while most consumers may have been focused on their job and finances, I have been focused on addressing the errors on my credit report and trying to improve my credit. I'm aware that the bureaus have 30 days to respond to a complaint. This is required by law. I'm sorry that they may be affected by the pandemic, but this is how the law reads and I'm a consumer that still needs help. I have submitted several disputes since XX/XX/2020 and have received no response through the US Mail. I tried to file a complete through this platform, a while back, but they just told me they are ''still working on my file. '' I'm assuming the Consumer Finance department is getting overwhelmed with complaints. I have  waited patiently the 30 days each time I have submitted disputes with each of the 3 bureaus, but have not received any response, communication of delay, or even explanation as to why they are no longer helping consumers with their credit concerns. I am considering taking further action to get this resolved. I have rights also as an American citizen.

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 2020-09-19
Company: Experian Information Solutions Inc.
State: MA
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:
How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: KS
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:
Rushmore is a company who engages in mortgage fraud and deceptive business practices. 

Since XX/XX/2020, all mortgage payments have been paid on time, however this company has continued to report missed payments and an increased mortgage balance. 

On XX/XX/2020, I received a credit alert from XXXX   indicating that my mortgage balance increased almost {$3000.00}. No payments have been missed and I did not request any mortgage assistance under the COVID 19 relief program. In fact, I specifically sent written correspondence to Rushmore that I did not seek any such assistance and that I expected my payments to be reflected as paid on time. 

Rushmore is a crooked shady company and has been the subject of a several consumer fraud lawsuits. This company needs to be investigated by federal and state agencies. ( please see the attached alert ). 

This company continues to violate the Fair Debt Collection Practices Act. 

I can produce a cancelled check and/or bank draft for each and every monthly payment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: PayActiv, Inc.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
A credit card in my name was opened at Payactvi  : XXXXXXXX XXXX XXXX XXXX It was used to to steal about {$3000.00} from my XXXX account. My bank will not cover the funds .They say the can not prove it was not me. It took place XX/XX/2023. I called and informed them that it did not order a card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: Capital Markets Cooporative, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX XXXX XXXX - website does not work - no log-in information available. As such, I am unable to verify payments related to escrow shortages or contact servicer to remit tax payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
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:
CHEXSYSTEMS COMMITS 2ND DEGREE FELONY BY USING MY PERSONAL INFORMATION WITHOUT MY CONSENT, ALSO RECENTLY I WENT INTO XXXX XXXX XXXX  AND WAS REFUSED TO OPEN A CHECKING ACCOUNT BECAUSE OF CHEXSYSTEMS WITH THIER SECRETS MAKING FALSE REPORTS ON ME WITH NO TANGIBLE EVIDENCE TO ANYTHING, AND IM XXXX SICK AND TIRED OF THESE XXXX CRIMINALS, THEY SEND ME PAPERS ASKING FOR MY PERSONAL INFORMATION WHICH IS NONE OF THIER XXXX XXXX, THEY HAVE BEEN MAKING BAD REPORTS ON ME FOR YEARS NOW AND GETTING AWAY WITH MASSIVE FELONY FRAUD, THEY WILL NOT SEND ME THIER REPORT THAT THEY ARE USING AND KEEP IT A SECRET, I WILL NOT CALL THIER XXXX XXXX AND GO ROUNDY ROUND WHILE THIER XXXX ASK ME FOR A BIRTHDAY, I DONT HAVE ANY CONTRACT WITH THESE XXXX AND THEY ARE 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 2023-05-26
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I am writing to express my concern regarding the automatic payments set up for my Synchrony Financial account. I had arranged for fixed monthly payments to be debited from my account on the XXXX of each month as the due date, considering the financial hardship and loss of employment that I have been facing. However, I have experienced significant issues with the automatic payment system, which have caused further financial strain and inconvenience. I proactively contacted Synchrony Financials customer service and requested to set up automatic payments for the fixed minimum payment due on my account. I provided the necessary information, including my banking details. However, despite the assurance, I have encountered the following problems with the automatic payment system. 

On multiple occasions, the automatic payments have failed to process as scheduled, resulting in missed/late payments leading to additional fees applied to account. I have diligently maintained sufficient funds in my account to cover the minimum payment, yet the payments have not been deducted as promised. As a result, I have incurred late payment fees and penalties, which have only exacerbated my financial difficulties. The amounts deducted have varied inconsistently from the agreed-upon fixed minimum payment due. This inconsistency has made it challenging for me to budget effectively and plan for my financial obligations. This has been very misleading and discouraging due to my current status of financial hardship it seems like this debt will never be satisfied and paid in full of this type of misleading advertisement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: CITIBANK, N.A.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hello, I have hard inquiries on my acct that do not belong they are listed below. I would like them removed because they do not belong on my credit report. 
XXXX - CITIBANK NA, XXXX - XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXXXXXX 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 2020-09-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
HI MY NAME IS XXXX! - i'm confused the way you're reporting this chargeoff account from bank of america with different dates of last payment, active, open, and inconsistent with account number and open date. also how can you have such inconsistencies with the payment history if you're getting the same information from the furnisher which is bank of america. Again, i'm update! Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 
What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: Ad Astra Recovery Services Inc
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XXXX XXXX, 2017 AD Astra Recovery Services , Inc contacted me about a debt. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I requested AD Astra Recovery Services, Inc to provide me with a validation of the debt that they talked of earlier. I stated this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request AD Astra Recovery Services, Inc provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you AD Astra Recovery Services, Inc I have not received documentation demonstrating compliance with the Fair Debt Collection Practices Act ( FDCPA ) ( 15 USC 1692g Sec. 809 ( b ). They did attempt to send a deceptive/new contact agreement to sign with no validation as requested. My right to dispute the debt was not in compliance as well. 

The company sent verification letters not debt validation letters as requested. The verifications letters shows the name of the alleged creditors. The original terms and or agreement stipulates arbitration and not a third party collection agency. The admitted they are a third party and not an arbitrator, which violates the terms. Once again, the requested information is outside of the 30 day FDCPA 15 USC 1692g SEC. 809 b  The company stated that they resecarhed the the issue, the could not have if clearly written in the arbitration agree with the alleged creditor XXXX XXXX, which states all conflicts shall be sent to arbitration and not collections. The request for arbitration was ignored by the alleged XXXX XXXX creditor and I received communications from AD Astra Recovery Services , Inc. without researching they sent incorrect informato the credit agencies without verifying what they were validating as a debt belonging to me. A copy of a debt from the alleged original creditor alleging I owed a debt is not validation of a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: EQUIFAX, INC.
State: FL
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:
Ever since the state of Florida went on lockdown from the XXXX Virus, approximately XX/XX/2020, while most consumers may have been focused on their job and finances, I have been focused on addressing the errors on my credit report and trying to improve my credit. I'm aware that the bureaus have 30 days to respond to a complaint. This is required by law. I'm sorry that they may be affected by the pandemic, but this is how the law reads and I'm a consumer that still needs help. I have submitted several disputes since XX/XX/2020 and have received no response through the US Mail. I tried to file a complete through this platform, a while back, but they just told me they are ''still working on my file. '' I'm assuming the XXXX XXXX department is getting overwhelmed with complaints. I have waited patiently the 30 days each time I have submitted disputes with each of the 3 bureaus, but have not received any response, communication of delay, or even explanation as to why they are no longer helping consumers with their credit concerns. I am considering taking further action to get this resolved. I have rights also as an American citizen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Frost-Arnett Company
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Frost Arnett Co has been calling every day, multiple times a day for months. I've told them I can not answer during work hours ( XXXX ) and they still call. I've blocked multiple numbers they call from as to not interfere with my job, but they call from new numbers every day. They've not only discussed my medical debt, they actively aggravate my medical condition that caused the debt in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: Experian Information Solutions Inc.
State: NY
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:
experian is reporting an account from XXXX XXXX XXXX XXXX that's was reporting closed now it's incorrectly reporting open, this account status is incorrect and is causing my score to suffer, this account is violating the FCRA, I want this account removed

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 2020-08-16
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
Credit bureaus continue to show an unverified public record on my credit file despite numerous letters and disputes being filed. All 3 credit bureaus have informed me that they are getting the public record information from XXXX XXXX. I have disputed the public record in question with XXXX XXXX and they have deleted that item from my file. A letter confirming that has been sent to the credit bureaus along with a letter of dispute dated XX/XX/2020. 

So far, XXXX and XXXX continue to claim this information is verified when their verifier, XXXX XXXX has in fact deleted this item. 

XXXX has not even replied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened a high yield savings account with Citibank XXXX and deposited {$200000.00} on XXXX XXXX 2020. Citibank shut down my account shortly on XXXX XXXX without contacting me in any way and did not provide any methods to return my deposit. I contacted their customer services to let them know I need to pay bills using the money stuck in this account. And their customer services agent did not know anything except mentioning I would receive a snail mail letter explaining why my account is shut down. They can not provide any information about how I can get my money back. This is very frustrating and put me in financial jeopardy given the urgent need for paying bills.

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 2018-09-04
Company: EVERBANK, NATIONAL ASSOCIATION
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I currently have 2 personal loans against my XXXX retirement account. The earliest of the 2 was initiated in XXXX and the second was XX/XX/XXXX. Since the loan dispersement dates I have always paid back my monthly payments in weekly increments and have always exceeded the minimum payments and at times have been paid a month or two in advance. For example the minimum payment amount for the larger loan is {$440.00} and I paid {$120.00} weekly. Today I noticed in my personal bank account two debits from TIAA in the amounts of {$440.00} and {$200.00}. I called and according to their website i made 4 payments of {$120.00} for the {$440.00} due XXXX and they however applied it as " extra '' interest and principal but still I owed the XXXX payment and dectucted it from my account. 
I spoke with 2 TIAA representatives they both states that the process by which payments are received and applied changed in XX/XX/XXXX and therefore any payment smaller then the minimum would not be applied towards a minimum payment balance. They did not notify customers of this change and I was notified my loans would be in default if I did not pay an additional {$580.00} before XX/XX/XXXX. Even though more then the minimums on the loans were paid they didn't count to meet the minimum payment amount. Even though i paid {$1500.00} for 2 minimum payments of {$440.00} ( total due was {$890.00} ) I was told it didn't count because of their internal change in process and I needed to come up with an additional {$580.00} to avoid default and that i was currently delinquent. 
This company sends me messages both on their internal website and my personal email of all my weekly payments confirming receipt and they have been processes. I have no notification that there was a process change and that I still had a minimum balance due or that my loans were in jeopardy. The Company states that it needed to make process changes to be in compliance with the loan agreements signed by myself. I have no problem with practice changes but feel a notification should have been given to their customers effected. I have been making my payments in this manner for years and have always been on time or early.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Penn Credit 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:
Original Creditor : City of XXXX XXXX Current Creditor : Penn Credit Corporation Account has been reflecting paid off 100 % since XX/XX/2021, however, it is still showing as a collection on my credit report. The negative information is stopping my ability to obtain and acquire new credit. My request is that this false information is removed. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I filed an dispute in regards to incorrect accounts showing on my credit report. It has been well over 30 days and I have yet to receive any investigation results.

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 2021-03-10
Company: EQUIFAX, 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:
This account is not mine I have not signed or applied for this it does not belong to me : XXXX XXXX XXXX XXXX - Acct XXXX Amt {$0.00} Opened XX/XX/2009 2009

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX is a company who engages in mortgage fraud and deceptive business practices. 

Since XX/XX/2020, all mortgage payments have been paid on time, however this company has continued to report missed payments and an increased mortgage balance. 

On XX/XX/2020, I received a credit alert from Experian indicating that my mortgage balance increased almost {$3000.00}. No payments have been missed and I did not request any mortgage assistance under the XXXX XXXX relief program. In fact, I specifically sent written correspondence to XXXX that I did not seek any such assistance and that I expected my payments to be reflected as paid on time. 

XXXX is a crooked shady company and has been the subject of a several consumer fraud lawsuits. This company needs to be investigated by federal and state agencies. ( please see the attached alert ). 

This company continues to violate the Fair Debt Collection Practices Act. 

I can produce a cancelled check and/or bank draft for each and every monthly 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