BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-21
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX XXXX XXXX XXXX U.S Bankruptcy Court Dismissed the BK case and prior to the dismissal Loan care recieced the following payment againt XX/XX/XXXX defiency blance of {$9.00}, XXXX in the following manners : ( 1 )  Bankruptcy court paid from the plain {$3000.00} toward the defeiency blance. 
( 2 ) Loan Care retain two surplus payment for XX/XX/XXXX and XX/XX/XXXX for {$2000.00} each year. a ( 3 ) The homeowner has paid XX/XX/XXXX mortgage on XX/XX/XXXX {$1500.00} dollars on a {$1300.00} and on XX/XX/XXXX LC informed us that there was a surplus of {$2000.00} was being applied to XX/XX/XXXX payment and then informed the homeowner in the XX/XX/XXXX statement the only amount due was {$1300.00} which was paid by a LC a Cashier check sent on XX/XX/XXXX and received by LC XX/XX/XXXX. 

However, in spite of not owing reported default amount, but the owners have received a notice foreclosure proceeding has commenced laying claims that homeowner are nine months delinquent of {$9700.00} and debtors has proceed with Foreclosure attempt without further FHA stand alone review, loss retention in accordance with FHA requirement for special forbearance and the right to cure the default. 

The lender has not filed a new notice of default with the  county regarding the amount owed is less then {$4000.00} prior to intuiting current for closing proceeding. The lender has active foreclosure proceeding without allow the a chance to verify the claim of default and/or the amount owed, or has not assess the borrower financial situation to remain in the home by performing an early review of the loss mitigation submitted to loan care on XX/XX/XXXX at  XXXX. Eastern Pacific Time,.

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 2020-11-05
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
Please note this has been an ongoing battle with the firm XXXX XXXX XXXX XXXX XXXX. I believe this may have stated in 2018. I was sent paperwork regarding a debt from XXXX - XXXX XXXX? Fraud .... 
This company is well aware. There is fraud noted in my account. I've filled numerous court filings. Again this law firm has gotten a hold.of my driver 's license a d now garnishing my check. 

I want this stopped immediately. Will the money already taken be refunded to me? The statue of limitations is more than likely running out and this company back is against the wall.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my last and final attempt to have this issue resolved before seeking legal action against the credit reporting agencies and this company. I have challenged the accuracy, compliance and reportability of these listings to no avail, and my rights have been violated. EXPERIAN has been reporting incorrect information on my credit report for XXXX XXXX. I have sent in several disputes to have this incorrect information deleted from my credit report. 

On XX/XX/2018, I mailed a certified dispute letter to EXPERIAN regarding the XXXX XXXX account, which was received by the EXPERIAN on XX/XX/2018. On XX/XX/2018, EXPERIAN responding with a form letter simply stating that the account had been verified. 

On XX/XX/2018, I mailed a follow-up certified dispute letter requesting the description of the procedure used to determine the accuracy and completeness of the information, along with the name, address, and telephone number of each person contacted regarding the alleged account, and a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. I informed EXPERIAN that any automated response or XXXX   verification was unacceptable, and that they were to provide me all information within fifteen ( 15 ) days of the completion of the re-investigation. This follow-up certified letter was received by the company on XX/XX/2018. 

As of today, XX/XX/2018, EXPERIAN has failed to comply with laws of the FTC and the FCRA, by still continuing to report inaccurate, incomplete, unverifiable information, and they stand in noncompliance with the reportability of these listings thus violating my consumer rights. These violations are damaging my character and to my credit score.

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 2021-03-04
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Failed to verify debt. The account is not accurate on my credit report. information is different on XXXX  & XXXX. its hurting my credit score and its not accurate. information is breaking the Fair reporting Credit Act

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I received a notification from XXXX XXXX stating that my personal data may have been compromised. I investigated this and found that my information was involved in 9 different data breaches between XX/XX/XXXX and XX/XX/XXXX. As a result, I changed my XXXX XXXX  password as this was all I could do.

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 2020-06-24
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:
Ive filed disputes with all Experian XXXX  XXXX  requesting time remove inaccurate info on my credit report and they have failed to do so! Ive submit proof that XXXX XXXX XXXX and XXXX collections is reporting inaccurate information on my credit report. All there is 13 hard inquiries that needs to be removed due to the fact I never received credit from companies nor applied with companies.

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 2020-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am in receipt of a current credit report of which questionably suggests that I now or in past have owed you something, yet there is nothing that substantiates your reporting or claim thereof so I demand that you dismiss all claims and eradicate any injurious reporting ( s ) versus me, particularly if currently reported item ( s ) are potentially deficient of the mandatory document evidence of physically verified factual proof of the truth of claim, truth of reporting, accuracy of claim, correctness of reporting, completeness of claim, fullness of reporting, timeliness of claim, timeliness of reporting, ownership or responsibility elsewise of claim, ownership or responsibility else wise of the reporting, and or the complete and perfect certified Metro 2 format reporting standard ( s ). I demand that you display to me your lawful authority to forcibly conduct  business with any contesting consumer much less me! Particularly removed is your right to act in dereliction as you hold me under threat of financial and or creditworthiness injury ( ies ). I here now DEMAND that if you are unwilling or unable to do as requested, as demanded, and as otherwise mandatory to retain or regain compliance of reporting no later than 20 days from your receipt of this lawful notice of consumer complaint that you immediately and forevermore thereafter cease any and all derogatory and or injurious actions versus me, to include but not limited to the foul actions to report and or collect unverified, untrue, invalid, or else wise not certifiably compliant claim ( s ) and or debt ( s ). Let it be in clarity that I am well aware of the FACT that absent legal authority or a written agreement between us that you can not force me to conduct any business interaction ( s ) with you and I will NOT! Certainly if you elect still to injure me, even to the slightest, it undoubtedly would be a show of merciless harassment or even willful extortion, a CRIMINAL OFFENSE in my state of residence! Any such behavior will directly or indirectly lead me to act accordingly, so please rectify your chicanery-laden subterfuge as alleged on my current consumer credit profile history by eradication and or removal from reporting the delinquently reported items

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 2019-05-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
Applied for XXXX XXXX Credit Card from Capital one, on the basis of prominent Headline advertised 4 % rewards rate on Amusement Parks -- - XX/XX/2018 Not honored for XXXX XXXX XXXX Official Website ticket purchase -- - XX/XX/2018 Contacted XXXX who claimed are not responsible for how transaction gets coded by Credit Card provider. 

Contacted repeatedly ( 4 times ) Capital One to have rewards rate rectified. Requests are apparently logged and silently denied. 

Capital one refuses to take XXXX purchase receipt for verification / consideration. 

Headline advertising for 4 % rewards on amusement parks demoted from headline marketing website -- - XX/XX/2018 2018

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My wife and I are seeking assistance in regards to a potential short sale that we have attempted to complete with our lender SPS. We initially reached out to them on XXXX XXXX, XXXX seeking assistance and were advised that they had placed a sale date on the file for XXXX/XXXX/XXXX. We immediately advised our contact at the lender that we had a buyer whom was willing to purchase the property for fair market value per their most recent interior BPO assessment of the property. We worked together on submitting a complete short sale package with all financials, addendum 's, forms and contracts needed in order to complete a short sale review but were subsequently denied. We are asking that allow for the review to go through as we do not wish to have a foreclosure on our record. Our family has gone through enough hardship and this is something that will potentially break us apart. All we are asking for is a chance to review the offer presented as it meets investor requirements. Please help us obtain postponement in order to allow enough time to complete a short sale review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I tried to call Experian 7 times in 7 days and held for one hour and when they answered and then transferred me to a dispute person, i was disconnected each time. 

I would like to have someone call me immediately at XXXX and if I do not answer, I would like for them to leave their name and direct line to call them back.

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 2019-05-06
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On 3 occasions Citibank has submitted a exorbitant and unapproved payment which has caused my bank account to go into negative an incur fees. This was supposed to have been resolved last month, but has happened again. When reported to customer service, the credit card company at first failed to take responsibility. At first they tried to blame my bank, then they tried to blame me, then they tried to give me minimal compensation even after admitting their fault. Only after persistent calling and finally escalating to an account manager did Citibank take responsibility and compensate me for incurred fees. 

The problem has arisen again, and again Citibank is failing to take responsibility. 

Dates : On XX/XX/2019 my bank account was charged {$8800.00} by an ACH process triggered by Citibank. I contacted customer support immediately, and was told it wasn't on their side. My bank returned reversed the ACH and charged me a fee. 

On XX/XX/2019 and XX/XX/2019 the same amount was charged and was reversed the following days by my bank. I had to state my case multiple times and argue with multiple customer service agents. I was offered less than the fees charged, but was finally compensated on XX/XX/2019 of the full amount of fees which was {$100.00}. 

On XX/XX/2019 the amount of {$8500.00} was charged to my bank. I contacted customer support who again did not take responsibility for an unauthorized payment. 

Citibank also fraudulently affected my credit score by misrepresenting my balance ( most of which is in dispute and should not have been posted until the dispute was resolved ).

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 2019-05-06
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Huntington Bank will not honor my dispute in good faith in crediting my account for charges using my debit card that I did not make!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: TCF NATIONAL BANK
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am writing because we were late on are loan and this company started harassing an telling family members they were going to come looking for us and they have been trying to get a hold of us for months. we have never been 30 days past due with this company. Yes we have been late. I actual called do n't know for sure the name but number is XXXX ext XXXX. I told him this was totally uncalled for, that he was lying to family members and I will be making a payment 1st thing in the morning, his response was he would disconnect the call if I did n't verify who I he was talking to. Even thought he returned by call and said am I speaking to XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: Westlake Services, LLC
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: Their investigation did not fix an error on your report

Complaint:
Creditor refuses to delete seriously incorrect and very outdated data to the three credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: Bread Financial Holdings, 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:
These account are not mine really, please deletrea of the 3 credit bureaus XXXX, XXXX and XXXX  1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft CCB/CHLDPLCE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : COMEN-XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft COMENITY CAPITAL BANK Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
on XX/XX/2019 I finally received the special made for me XXXX XXXX, one for XXXX and one for sleeping with from XXXX. XXXX XXXX XXXX. and they do not fit and the craftsmen ship is so bad on the XXXX appliance it nearly sliced my finger open while trying to XXXX XXXX XXXX XXXX XXXX. So sharp that if I were to have even been able to wear it it would cut my XXXX open. The XXXX XXXX is a little better but is also not made very well. I was charged {$8500.00} for these XXXX XXXX I can ton use. I have shipped them back to XXXX. XXXX XXXX XXXX in XXXX XXXX. I am dispusting the total of {$XXXX} also If XXXX XXXX XXXX is in fact a DOCTOR of XXXX then him and his office staff should have also abtained from me my medical history including any and all medications I am on befor any XXXX work is to be done. I am a XXXX   person and should be perscirbed XXXX  prior to any work being done as I have a XXXX XXXX that should have been addressed. XXXX XXXX XXXX is not a doctor that wants people to get well he is a scam doctor that is just out for the o'l mighty dollar. I believe that care credit/synchrony bank and XXXX XXXX XXXX XXXX are inguaging in unethical business dealings as well as preitory lending and violating the fair credit reporting act. It is also against the law for my account number to be listed in its intirety on my bill.

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 2020-05-01
Company: Experian Information Solutions 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:
XXXX  and Experian are reporting incorrectly that I am ( 90 ) days late on the XXXX XXXX  XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account that has no money owed. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2015-03-25
Company: BARCLAYS BANK DELAWARE
State: HI
Product: Credit card
Issue: Payoff process

Complaint:
I charged some items on my Barclay Bank credit Card with deferred interest. A few months later, after making my required payments, I paid a total of {$2000.00} in XXXX month. This was more than enough to pay off the deferred interest charges. Barclay did not payoff the deferred interest charges.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Collection agency failed to validate debt. that's not mines. attempted to contact many times with no response

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: First Federal Credit Control, 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: Account status incorrect

Complaint:
First federal credit control is trying to collect a debt from womens personal physician when there should not be a balance as services were not rendered. I refused services and did not sign a hippa concent for womans personal to send or sell my medical information to first federal credit. I want this to be deleted as I am disputing the amount as they can not prove any services were rendered nor is there any contract for services nor any hippa disclosure. They are reporting a closed account as open to XXXX, Which is inaccurate information

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