BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-04
Company: Experian Information Solutions Inc.
State: AZ
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX 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 2022-03-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In according with the FCRA convergent account below has violated my rights In accordance 16 USC 1681 Section 1602 A states I have the right to privacy.

16 USC 1861b Section 2 also states : A consumer reporting agency can not furnish a account without written instructions. 

XX/XX/XXXX XXXX XXXX XXXX Partial Acct XXXX {$1800.00} XX/XX/XXXX XXXX  XXXX Acct XXXX XXXX {$110.00} XX/XX/XXXX XXXX XXXX Acct. XXXX {$0.00} ( 3 Entries ) XX/XX/XXXX XXXX XXXX Acct. XXXX ... {$1300.00} XX/XX/XXXX XXXX XXXX XXXX Acct. XXXX {$4400.00} XX/XX/XXXX XXXX XXXX XXXX Acct. XXXX {$240.00} XX/XX/XXXX XXXX XXXXXXXX XXXX GA XXXX ID # XXXX XX/XX/XXXX XXXX XXXX  Acct. XXXX {$860.00} XX/XX/XXXX XXXX XXXX XXXX Acct. XXXX {$78.00} XX/XX/XXXX XXXX XXXX Acct. XXXX {$200.00} XX/XX/XXXX XXXX XXXX Acct. XXXX {$860.00}

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 non-monetary relief
Consumer complaint received 2017-07-07
Company: National Management Recovery Corp. (NMRC)
State: LA
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:
This company which I hold no contract with nor have received services from, reported a collection against my SSN in the amount of {$420.00}. They are calling THREATENING to SUE, the calls started on Yesterday and I spoke to a XXXX XXXX who I stated that I was filing Bankruptcy again and will contact my lawyer, however, ALL my BUREAUS are LOCKED and have FRAUD alerts and FROZEN so they ILLEGALLY obtained my information. I Never received any formal communication from XXXX and only asked a question of who they were and why are they calling cause it is my consumer rights

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 - 30 days late??? how? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-04
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This company is in violation of the Homebuyers Bill of Rights by dual tracking. They sent me letters to confirm everything was okay. They applied the almost XXXX in suspense to my account. Started regular servicing after XXXX XXXX and modification agreement. They had me sign XXXX different modification documents. What they are doing now is criminal at least. They sent me a letter in XX/XX/XXXX stating that my modification was denied because I said I didn't want it. Giving me two options short sale or give them the loan and walk away owing nothing. They later apologize and said it was corrected. Note they were in possession of almost XXXX in suspense and XXXX in escrow. My monthly payment at the time of modification was XXXX payed up until XX/XX/XXXX. I had more than enough to cover 6 months of mortgage sitting in suspense as well as cover money needed for escrow. I will provide bank statements. After placing me in normal servicing they put me back in the modification process on XX/XX/XXXX. This has caused me severe mental distress. They put me in default and bought my loan in XX/XX/XXXX. I owe less than XXXX and my home is worth XXXX. I have the resources and support to pay my mortgage for the next 2 years. Why would I do a short sale or give them my home. I know its because I am a XXXX XXXX  over the age of XXXX. These practices are in violation of my civil rights as well as my homeowners rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-12
Company: Affirm Holdings, Inc
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I got an installment loan from affirm. The item was supposed to shipped in 2-3 weeks. At week 4 I cancelled the order and got a full refund. In that time I was charged {$180.00}. I have never been refunded the additional funds. The website makes it impossible to talk to a human. The automated system does nothing and there is no simple contact page to send an email or call them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
This is not my account I need this removed off my report immediately it's affecting me getting a mortgage and buying a new home

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 2020-11-26
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I lost the bill sent to me by the medical provider and subsequently forgot about it and didn't pay the bill. When notified that the bill was outstanding I paid the medical provider.

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 2019-06-21
Company: CITIBANK, N.A.
State: DE
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:
I applied for the Best Buy card to purchase several appliances on XX/XX/2019. I received a delivery date of XX/XX/XXXX and was ready to accept my order. I proactively enrolled the credit card on auto pay so my credit card bill would be paid on time. 

On XX/XX/XXXX, I received an email that my order was cancelled. 
I called Best Buy several times to find out why my order was cancelled but no one could give me a reason why. I wouldnt have cared if you cancelled the purchase for some reason, however no one could tell me why. It was just cancelled. I was told I would need to reorder the products. I attempted to do that, and the delivery date was pushed out to XX/XX/XXXX. ( This would put me out almost two months without appliances My original order was XX/XX/XXXX expecting it XX/XX/XXXX ) In addition to you cancelling my order, On XX/XX/XXXX, Best Buy withdrew {$92.00} from my bank account when my balance was XXXX. ( I never received anything ) I cancelled the card today. 

I am requesting the following : 1. Best Buy Inquiry be removed from credit report. I only applied for this card to put the appliances on the credit card. Since I didnt receive the appliances, I would like the inquiry removed from my credit report. 
2. I would like the {$92.00} credited back to my bank account immediately. 

This was a horrible experience. After researching on-line and I see a lot of negative comments about peoples experiences with Best Buy.

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 2022-03-04
Company: National Credit Systems,Inc.
State: ND
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I received a call from XXXX XXXX in reference to an " unpaid " debt of {$1200.00}. I proceeded to let him know that this debt has already been paid. He said he would reach out to his client and get back with me. 
I then received another call from XXXX XXXX on XX/XX/2022 that he spoke to his client and they can't find the payment in which the apartment manager signed for.

But admit that payment had been received by the office. 
I then received another call on XX/XX/2022 asking for proof of payment of debt being {$1100.00}, and to have it emailed to his supervisor XXXX XXXX ( XXXX ). While I was listening to him, I was sending thr documents to his supervisor. I continue to asked how did the debt go down, and he couldn't answer me. 
To this day, I have not received another phone call nor a deletion from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Problem getting your free annual credit report

Complaint:
Ive tried to get in touch with XXXX XXXX and Transunion Theres been a issue getting my credit report and FILE. My consumer rights are to have full access to reports and FILE. As well as I advise them of my rights pre accounts sent in on FTC form as well as complaint numbers to ftc. Still advise me that accounts were either verified or to follow up with creditors per consumer right Im the only consumer can verify and account to me mind,, creditor reporting non factual information to tarnish my reputation and worthiness or credit is against the law without my consent it is Also identity theft. As well as all accounts thats reporting late payment like XXXX acceptanceReporting late payment are not fact per law 15 Usc 1666 b as well 15 usc 1681b ( 2 ) also if theres a finance charge included per law 15 usc 1605 A shouldnt be any late payments the sum of all charges so consumer cant be penalized me for something payed in full also 15 usc 1681e b which is requiring maximum possible accuracy which is not whats being reports on several accounts. Serval closed accounts and derogatory I asked to be removed because these accounts broke several laws cause me pain and suffering i And bad reputation due to they determined me per CRAS UN WORTH FOR CREDIT DUE TO THE non factual THESE CRA USing there platforms to ruin my reputation which they are breaking the law as well as creditors reporting these things without consent. They have not took my disputes serious neither have the too proper time to provide audit trail Ive been requesting CRAS KEEP USING LAWS THAT WAS MADE TO PROTECT ME AND MY FAIRNESS AGAIST ME AS A STALL TACTIC I WANT MY RIGHTS TAKING SERIOUS AND NOTHING LESS IM FED UP WITH CRAS AND CREDITORS USING THERE PLATFORMS TO SABOTAGE ME WITHOUT CONSENT AND FAIRNESS. Stop breaking law n helping other in unfair practices.

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 2022-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX Report # XXXX on XX/XX/XXXX has a negative account reporting from XXXX  XXXX XXXX ( XXXX ) with the original creditor XXXX  XXXX ( # XXXX ). This account has been under dispute multiple times for unauthorized reporting on my consumer report. XXXX, TRANSUNION and XXXX have continued to report this account as a negative impact which has in return, ruined my reputation with future lenders to extend my credit. XXXX claims they bought this account from XXXX  XXXX. As I have attached an identity theft report due to XXXX  XXXX not following the internal revenue service tax law. It is a tax fraud to not send copies of XXXX, cancellation of debt and the XXXX Original Issue Discount forms. They have filed these forms without my authorization and then sold the alleged debt to a XXXX party to collect on an account that they have already received payment for through my social security number. This account has been reporting since XX/XX/XXXX which is more than enough time for either XXXX  XXXX or XXXX to produce these tax forms and/or correct them. I am asking for the immediate deletion of this unauthorized account being reported on any consumer report I have mentioned, in addition to any I'm unaware of.

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 2021-10-15
Company: Linebarger Goggan Blair & Sampson LLP
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I XXXX XXXX ; received a notice in regards to a debt from Linebarger Goggan Blair & Sampson , LLP. Pursuant to Title 15 USC 1692b ( 2 ), Linebarger Goggan Blair & Sampson, LLP which is a debt collector. Shall not state that I XXXX XXXX who is the consumer owes any debt. Not only should they not state that I owe a debt ; they never validated that debt. Which is also another violation ; pursuant Title 15 USC 1692g. Also how did they get my place of abode? I never gave it to them nor did I confirm it. That is another violation pursuant Title 15 USC 1692b ( 1 ). I never gave them consent to communicate with me. That is another violation Title 15 USC 1692c ( a ). Communicated with me at an usual time and also at my place of abode with out my consent Title 15 USC 1692c ( a ) ( 1 ). Telling me I owe a debt, which is harmful to me at any give time to hear ; Title 15 USC 1692d ( 2 ).

Linebarger Goggan Blair & Sampson, LLP ; showcasing the words NOTICE OF DEBT on the envelope. Title 15 USC 1692f ( 8 ). The false representation of the character amount of any debt Title 15 USC 1692e ( 2 ) ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29
Company: RAYMOND JAMES BANK
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Credit Score Disclosure XXXX Ref. # XXXX. 
XXXX/XXXX/XXXX Prepared by Raymond James Bank XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TID # XXXX XXXX/XXXX/XXXX XXXX Prepared by XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX I/we did not apply for a mortgage nor did we ask anyone to check our credit for a mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I just reviewed a copy of my Transunion credit report and found the following information to be an error. I am a victim of identity theft and did not make these charges. I reported the theft of my identity to the Federal Trade Commission.

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 2022-03-04
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Investigation took more than 30 days

Complaint:
XXXX Report # XXXX on XX/XX/XXXX has a negative account reporting from PORTFOLIO RECOVERY ASSOCIATES ( PRA ) with the original creditor XXXX  XXXX ( # XXXX ). This account has been under dispute multiple times for unauthorized reporting on my consumer report. XXXX, XXXX and XXXX have continued to report this account as a negative impact which has in return, ruined my reputation with future lenders to extend my credit. PRA claims they bought this account from XXXX  XXXX. As I have attached an identity theft report due to XXXX  XXXX not following the internal revenue service tax law. It is a tax fraud to not send copies of 1099-C, cancellation of debt and the 1099-OID Original Issue Discount forms. They have filed these forms without my authorization and then sold the alleged debt to a 3rd party to collect on an account that they have already received payment for through my social security number. This account has been reporting since XX/XX/XXXX which is more than enough time for either XXXX  XXXX or PRA to produce these tax forms and/or correct them. I am asking for the immediate deletion of this unauthorized account being reported on any consumer report I have mentioned, in addition to any I'm unaware of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-07
Company: HUNTINGTON NATIONAL BANK, THE
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 was issued a credit card from this company with a {$12000.00} limit. I transitioned to using this card for everything, from daily purchases to paying my bills as a way to increase credit usage to no more than 30 % to help build my credit. And for a while it was working. Less than a year later, my credit limit was lowered from XXXX to just over {$4000.00}. At the time i had used somewhere int he neighborhood of over {$3000.00} on the card. This change brought my credit usage from less than 33 % to over 90 %. 

I immediately called the company to see what was going on and was told that the bank reviewed my credit and felt that my limit should be lowered based on my current credit file. This made 0 sense to me for 2 main reasons ... 1. I have never been late with a payment to them even to this day. 2. Every other CC i have was being increased at the time. I was informed that i could look at my credit report and see what might be wrong on there and dispute it, then send them a request to have my limit restored after i receive a result of the " wrong '' being corrected. 

6 months later, they did it again and lowered my limit from just over $ XXXX to {$3700.00} where it has been for over a year. My credit usage remained at a high percentage, as i transitioned from using the card to using cash and struggled to pay the balance as i had been before the limit was initially dropped. As i write this complaint today, i discovered that after working hard to make a sizable payment ( $ XXXX ) towards my balance, my credit limit has been reduced yet again from the {$3700.00} that i have been used to, to {$1700.00}. A week after the payment no less and during a global pandemic. 

I called again .... and was given the same information i was told more than a year ago when this first happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX. I filed a complaint regarding the mishandling of my VA mortgage by Freedom Mortgage. 

The issue was addressed regarding my exemption of XXXX XXXX taxes, however, Freedom Mortgage continues to show my account as being delinquent regardless of my proven and documented mortgage payments. I have been advised that despite my exemption, and proof of payment, I am still delinquent for my XXXX payment. This is the fourth time I have addressed this matter with their Customer Service reps who each have offered differing excuses. I even paid a {$250.00} shortage for a XX/XX/XXXX payment, and was advised that this would bring my account up to date and that my new payment reflecting the non-advalorem taxes would take effect on XX/XX/XXXX. 
I HAVE RECEIVED NOTICES THAT MY ACCOUNT IS STILL DELINQUENT DESPITE HAVING DOCUMENTED PROOF OF MAKING THE MONTHLY PAYMENTS. The argument remains to be based on collecting the escrow for Taxes I did not owe!! The respondent to my first complaint was a XXXX XXXX XXXX, who no one seems to know at Customer Service. 

As a retired XXXX  Veteran, I truly find that such treatment and outright shuffle games are inconsistent with the espoused values of " taking care of veterans '' that such Financial Institutions often make to sell their services. The egregiousness of this whole issue is that I have spent over four months attempting to resolve this issue with little resolution. My next step is to initiate legal action against Freedom Mortgage for their incompetence in handling what should be a simple matter of reconciliation.

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