BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-10
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
Mr Cooper took over as my mortgage company and ever since I get many phone calls a week as well as emails about refinancing. In the beginning I kept telling them I am not interested and to stop calling me which they didn't do. Finely I figured if I let them go through their pitch they would leave me alone, but that has not happened. Time and time I have told them I do not want to refinance because all its going to do is raise my interest rate. This company does no more than try to pester and pressure its customers into refinancing wither they are interested or not. Don't know if it has anything to do with my trying to dodge them but within the last two years my Payment has jumped up over XXXX more than I was originally paying. Not over taxes but over insurance at which I believe my house is grossly over appraised and the insurance company says they can not lower the value from what the mortgage company says. Is this company trying to pull something to make me have to refinance at their rates? I don't know but I'm getting tired of feeling pressured.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: R & B Corporation of Virginia
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:
This account from Credit Control XXXX for {$170.00} is created out of error. I do not owe this amount and they keep verifying the debt but I am unaware of this debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. DEPT OF EDXXXX XXXX Balance : {$1300.00} ; DEPT OF EDXXXX XXXX Balance : {$1700.00} ; DEPT OF EDXXXX XXXX Balance : {$520.00} ; DEPT OF EDXXXX XXXX Balance : {$3900.00} ; DEPT OF EDXXXX XXXX Balance : {$2900.00} XXXX DEPT OF EDXXXX XXXX Balance : {$2100.00} ; DEPT OF EDXXXX XXXX Balance : {$93000.00}.

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 2023-08-26
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Subject : Complaint regarding refusal to investigate and remove collection accounts Dear Sir/Madam, I am writing to express my deep dissatisfaction and frustration with the lack of action taken by credit bureaus in relation to the unjust reporting of two collection accounts on my credit report. Despite my diligent efforts to rectify this matter, the credit bureaus have consistently refused to investigate and remove these erroneous items from my credit report.

The collection accounts in question are associated with XXXXXXXX XXXX XXXX XXXX XXXX XXXX  I have repeatedly requested proof of any contractual obligations between myself and this collection agency, but to my dismay, no evidence has been provided. It is important to note that I have no knowledge or recollection of any such contract, and therefore, I maintain that I am not obligated to this collection agency. 

Furthermore, XXXX XXXX has been inaccurately reported as an active account, despite the fact that it was actually charged off and reported to the IRS as a cancellation of debt. This cancellation of debt is clearly documented in my income tax records. It is both alarming and fraudulent for the company to have filed a cancellation of debt with the IRS, yet continue to report the account as active on my credit report. 

I kindly request that you take immediate action to investigate these matters thoroughly and remove these unjust items from my credit report. It is imperative that my credit history accurately reflects my financial responsibility and integrity. 

I understand that the Fair Credit Reporting Act ( FCRA ) grants me the right to dispute inaccurate information on my credit report, and it is the responsibility of the credit bureaus to conduct a reasonable investigation into these disputes. I urge you to fulfill your obligations under the FCRA and ensure that my rights as a consumer are protected. 

I expect a prompt response within 30 days, as mandated by the FCRA. Failure to address this issue within the specified timeframe will leave me with no choice but to pursue legal remedies to protect my rights and rectify this situation. 

Thank you for your attention to this matter. I eagerly anticipate a swift resolution that will restore the accuracy of my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX Balance : {$2200.00} ; XXXX  XXXX XXXX Balance : {$0.00}.

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 2019-12-04
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/2019, I filed a compliant with CFPB against Citibank. Two days later Citibank Engaged in immediate retaliatory actions and lowered my line of credit from {$21000.00} to current outstanding balance of {$9700.00}.

According to Citibank this was based on a recent review of my credit reports which shows a substantial number of debts owed to other creditors. 

This makes no sense due to the fact when Citibank increase my line of credit to {$21000.00}, the same amount of debt if not more was showing on my credit reports. 

In addition, during the same period I paid down credit card debt by {$5000.00} dollars therefore if anything the line of credit should have increased. 

I had been with Citibank for over ( 8 ) years had never missed or been late with any payments. Citibank decision to lower my line of credit was based solely on Retaliatory action for filing a complaint with on CFPB.

I want CFPB to through investigate Citibank and enact or enforce laws to protect Consumers from this type of abusive practice designed to discourage consumers from filing complaints with your organization. 

Citibank engaged willful misconduct with full knowledge decreasing the consumer line of credit had an immediate impact and lowered the consumer 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 non-monetary relief
Consumer complaint received 2023-01-04
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was never late on a payment. The monthly amount was automatically sent. At the end of the lease there was a lease termination fee that was not included. I had leased several times through this company. This was not automatically paid. This did not come to my attention for several months and was immediately paid through biller website. 
It is listed as sent to collections.

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 2022-10-06
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX # XXXX, XX/XX/2018 has violated my rights. 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A section 2 : It also states consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: ID Analytics, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I applied for a XXXX credit card on XXXX/XXXX/XXXX and was denied by XXXX XXXX. The reporting agency Sagestream , LLC whom I 've never heard of gave them my credit score of XXXX which is XXXX points lower according to credit karma. I 'm in the process of rebuilding my credit after my divorce and check my score daily. This information is wrong and this company Sagestream LLC has many complaints logged against them.

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 2023-07-29
Company: EQUIFAX, INC.
State: OH
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:
I disputed this XXXX XXXX XXXX account number XXXX on XX/XX/ The credit report of ( Credit Reporting Company ) shows these items were deleted from my credit file, Now these items have been reinserted on my credit report. In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA S 611, Procedure in case of disputed accuracy ( 15 U.S.C. 16811 ], Requirements relating to reinsertion of previously deleted material. Certification of accuracy of information. If any information is deleted from a consumer 's file pursuantto subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( a ), consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinserted date. ( I ) a statement that the disputed information has been reinserted ( 11 ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy-or completeness of the disouted information. I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action Your agency may avoid such action by immediately deleting this listing from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states i have the right to privacy. 15 USC 1681 Srction 604 A, section 2 it also staes a consumer reporting agency can not furnish an account without my written instructions. under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-03-29
Company: 1st Franklin Financial Corporation
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
1st Franklin had a data breach and now all my personal information is at risk. My credit has been ran with the incorrect spelling of my name. I get bulk emails. My personal information has been compromised. 1st Franklin has higher than normal interest rates you will pay triple your loan. This company should be shut down they prey on people with not so good credit. I DEMAND 1ST FRANKLIN TO DELETE MY LOAN AND ALL INFO OUT OF THERE SYSTEM DUE TO DATA BREACH. FIRST FRANKLIN IS VIOLATING MY CONSUMER RIGHTS. PER MY CONTRACT SIGNED MY INFORMATION WOULD BE PROTECTED. BUT MY INFO IS CURRENTLY BEING USED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: EQUIFAX, INC.
State: WA
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:
I have been trying to correct my name with Equifax for over three years. They refuse to correct my name. It is making it impossible for creditors to pull my credit and I can not get a home now because of this. I am literally homeless and living in my car because Equifax will not correct their systems. I submitted yet another dispute this week on their web portal. Their web portal only asks for " one or more supporting document ( s ). '' I provided the court order. They should need nothing more, but the dispute resolution came back asking for more documents. I called this morning to see if they could correct the existing dispute but they opened another one and now are telling me it will take 30 days to correct the discrepancy. Meanwhile, I still can not get a place to live because of their poor business practices. None of the other credit reporting agencies have given me this kind of trouble and they corrected their records years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit reporting 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:
someone opened up a line of credit and a checking account at JPmorgan chase in my name. It also showed up on my credit report. I called chase bank and they were able to I called XXXX to have the fraud alert put on account and to have the inquiry removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I paid off my balance. Then I accidentally transferred an extra {$5200.00} instead of sending it to my savings. That was XX/XX/XXXX. On XX/XX/XXXX I requested they return the money to my checking account. Bank of America visa said it would be 5-10 business days. XX/XX/XXXX was ten business days. I called on XX/XX/XXXX and then said I would have the money by close of business day. I still do not have my money. Thats a very scary amount of time to not have my money yet returned to 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 monetary relief
Consumer complaint received 2023-09-26
Company: ENCORE CAPITAL GROUP INC.
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:
NO proof of paid fund is available. just keep getting the run around. I have a documents from XXXX XXXX court house saying was dissolved

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: EQUIFAX, INC.
State: FL
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:
XXXX XXXX XXXX XXXX. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-1, 15 USC 1681c-2 , 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), 15 USC 6802, and 12 CFR 1006.34 ( c ) for your antisemitism, character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade pursuant to 18 USC 247 ( a ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: AMERICAN EXPRESS COMPANY
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On approximately XX/XX/XXXX, I went into a store to make a purchase of approximately {$60.00}, and the purchase was declined although I had sufficient credit on my card, and the card was a no limit credit card. Today, XX/XX/XXXX, I get an email about a separate account that Ive had for the last 6 plus years Ive always paid my bill on time and have even paid the balance in full. Even with this AMEX decreased my credit limit and has sent me an email saying that my credit limit will once again be decreased unless I make a {$1200.00} payment. This is totally an unfair practice due to me having a perfect payment record with AMEX on all my accounts by making payments early and always on time for the last 6 plus years. Even through the pandemic Ive never missed a payment and AMEX is now threatening to reduce my credit limit once again, after doing this approximately 2 years ago and decreasing the limit on my gold card no limit account, thereby causing me embarrassment when attempting to make a {$60.00} purchase, by declining that purchase, although there was sufficient credit to make the purchase. They have reduced my no limit Gold card to approximately {$4500.00} and are threatening to do the same to my blue cash everyday card that I have paid faithfully for the last 6 years. I am a retired XXXX United States XXXX veteran who has honorably served my country and do not deserve AMEXs discriminatory and harassing treatment!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: Professional Medical Management, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/XXXXand XX/XX/XXXX, I was hospitalized at XXXX XXXX XXXX  Hospital ( Original Creditor ), which is a charitable hospital subject to Section 1.501 ( r ) -6 ) of U.S. Code : Title 26 - INTERNAL REVENUE CODE, which proceeded with an  ECA - extraordinary collection activity by sending my hospital bill of {$1300.00} to a collection agency despite knowing I was eligible for their hospital FAP due to my income and knowledge that I was a recipient of Extra Help with my Medicare plan due to my XXXX and low income. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The hospital knew I was no longer living in XXXX   because I told them I was moving to XXXX AND my former roommate returned all mail to them. I was hospitalized from XX/XX/XXXX to XX/XX/XXXX in XXXX, and unable to receive any mail and did not have an address yet. Within one month of my release, the hospital, despite never actually contacting me, sent my bill to  XXXX XXXX who put me into collection AND raised the hospital bill to {$150000.00}. 

THE COLLECTION AGENCY ADDED {$140000.00} IN UNIDENTIFIED FEES AND CHARGES. 

THEY ALSO WOULD NOT VERY OR SEND ME ANY DOCUMENTATION OF THIS DEBT STATING I HAD TO GET IT FROM THE HOSPITAL. 
I have no documents or correspondence from them, as they refused, and the only proof I have is a credit report.

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 2023-09-26
Company: Synovus Bank
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
First Progress has not be reporting my 2 cards with them to XXXX since XXXX of XXXX  and it is negatively hurting my XXXX score severly.

Company response to consumer: Closed with explanation