BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-04
Company: United Shore Financial Services, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX, I noticed my Escrow account was incorrect and my payment went up {$500.00} a month! 

I received a delinquent tax bill from the county I live in. My mortgage company paid my neighbors taxes instead of mine. ( Mine is $ XXXX they paid $ XXXX XXXX. 

I asked them to pay mine, they paid the incorrect amount yet again paying the amount the neighbors owe. ( They do not have the same mortgage company ). The mortgage company has yet to fix it and readjust our escrow. 

We are serviced through United Wholesale Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Consumer Financial Protection Bureau XXXX XXXX. No. XXXX XXXX Please reference the number above. This complaint is not resolved. The approved police number with Sac. Sheriff is XXXX. 

See attached statement I received. It does not list the transactions for the {$67.00}. Again, I did not apply for a XXXX, XXXX, and XXXX XXXX card. I never activated it. I never used it. When I called Comenity Bank, they were unprofessional and honestly a bit flustered. They said the card was used at XXXX 's XXXX Supplies and XXXX XXXX XXXX gas ). I have only been to XXXX 's XXXX  XXXX  ONE TIME and I used a different card there! I should not have to pay this balance! 

When the card arrived, I called Comenity Bank to report the fraud. I made a police report. I contacted the Attorney General who advised me to do CFPB complaint. 

This needs to be reopened for an investigation, it's ridiculous! This affects my credit score!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: SYNCHRONY FINANCIAL
State: FL
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  XXXX /26/2017 - I went to make a purchase on  XXXX  as I did in the past, never had any issue, the sale did n't go true? I tried a few times, till I called the the number on my CC, to find out, that they dropped my credit from   XXXX   - to  XXXX ??? and why???? they say that they received negative information? I told them twice while I was on the PHONE with them that I never had ANY late or ANY missed payments with ANY of my creditors?. they were very specific that it is  XXXX  ... While I was on the phone with customer SERV I also called up   XXXX   ... and they heard that it is a Fabricated LIE, the CC company told me to ask them about an electronic report sent on the  XX/XX/XXXX ??? which  XXXX  replied and the CC COMP. listen to this phone call entirely, that NOTHING was and NOTHING is wrong with any of my Credit Accounts, and NO missed or late payments on any of the  XXXX  CR/BU reports ... .. This SYNCHRONY BANK, sent me a letter which they outline the reasons of the credit decrease which NONE are true. 4 REASONS, NONE ARE TRUE. I will gladly send you a copy of all when and if requested. NOW my question, a COMP. yes could decrease a credit line.. but if the give a reason does n't have to be the TRUTH?. why LIE about it, plus ruin my credit, from here on. HELP! Thank You.

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 2018-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am contacting you because I recently was informed that there are credit inquiries on my credit report that do not belong to me and that are fraud.I contacted your company by phone but I guess it hasn't been removed because you need a copy of my police report. I am a victim of identity theft so please remove these inquires from my credit report as they are fraud. XXXX 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 explanation
Consumer complaint received 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted Transunion several times about fraudulent accounts and information on my credit report due to me being a victim of identity theft. They have not acted in compliance to the Fair credit reporting act 605 b which sates that any fraudulent information resulting from fraud should be blocked and removed immediately.

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 2023-01-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery repeatedly calls me daily from different area codes and phone numbers harassing me to pay a debt collection. I have advised to be removed from their do not call list and they still repeatedly call back to back from different numbers daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a dispute in regards of the incorrect items on my credit report. It has been well over thirty days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a dispute in regards of the incorrect items on my credit report. It has been well over thirty days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I HAVE FILED NUMEROUS DISPUTES WITH THE AGENCY CONCERNING THE VALIDITY OF DEBTS PER : Title IV of the Consumer Credit Protection Act. Section 401.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: NRA Group, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt is from XXXX from a hospital I have never been treated at ( XXXX XXXX XXXX ). I only found out about the debt on XX/XX/XXXX when I checked my credit report and this debt was listed. 

I wrote the collection agency a letter on XX/XX/XXXX demanding debt validation as I had no idea what this was for. They didn't respond, other than to send a bill directly to my address ( I had never received a bill prior ). I sent another letter on XX/XX/XXXX disputing the debt and demanding validation again. They responded on XX/XX/XXXX with a copy of a bill for a XXXX XXXX, who was XXXX ( bd XX/XX/XXXX ) at the time of treatment on XX/XX/XXXX and apparently gave my name as a guarantor. They stated it was the itemized bill I requested. However, I requested a financial document that I personally signed accepting financial responsibility for any debt, and they are not able to produce one, nor did they respond within the 30 day time period that they are required to respond in.

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 2018-07-06
Company: WESTERN UNION COMPANY, THE
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello. 
Writing regarding XXXX XXXX and the XXXX CFPB consent decree against them : ADMINISTRATIVE PROCEEDING File No. XXXX. 

I am a XXXX XXXX equity accelerator program ( enrolled since XXXX ) customer who met the criteria, per the consent order, to be reimbursed for fees and mortgage payments which were NOT paid to the bank/mortgage company as advertised. To date I have not been contacted by the company about a credit ; i have contacted them on several occasions requesting credit and customer service reps were unfamiliar with credit owed so essentially nothing happened towards making me whole and complying with consent decree. Contacting you for assistance and resolution, please. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
My personal background information to confirm my identity is inaccurate and wrong causing several problems with my bank access on my accounts. The security questions are placed on me about people I do not know nor familiar. My rental history is inaccurate and out dated. My rental on vehicles is asked instead of my personal vehicle owned. All the security questions asked does not show I am the owner of my own checking accounts thus causing massive problems with my identity to be verified. The problems mounted with incorrect update of my credit report too. The debt shows up repeatedly on my report despite the settlements. I have contacted this agency numerous occasions by phone yet it was never remedied. The dates of problems dates from 2013 to present.

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 2017-08-02
Company: Ray Klein, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
On XX/XX/XXXX Look at Credit report and Professional Credit did not no I had and 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 non-monetary relief
Consumer complaint received 2021-07-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am a victim of fraud. Bank of America is calling it a scam. I requested the documentation they have and used to make their decision many times, it is not forthcoming. I also asked where and to who my funds were sent, so I can file a police report, to no avail. I was a victim of a XXXX transfer, that I did not imitate and was told by customer service that the transfer could not be stopped when I tried. The person who defrauded me answered my phone call, the number that customer service at the bank gave me. For months, since XXXX, Ive been requesting the information that I need to file the police report and the documentation the bank used to arrive at their decision, to no avail. BOA is acting XXXX  and possibly XXXX according to banking regulations.

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 2021-07-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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:
I registered a new credit card for Capital One 's XXXX card on XX/XX/XXXX I believe after they sent me an offer through the mail. I read the offers for this card on their website, and it advertised a {$200.00} cash bonus for new cardmembers if you spend {$500.00} within 3 months. After searching around, I found that they also offer an alternative program where you have to spend {$1000.00} within 3 months to receive {$200.00}, which they do not seem to be very transparent about either. That's fine, but after contacting customer support, I was told I do not have any kind of offer regarding cash bonuses for spending a certain amount of money within a time period. I feel as if I've been misled here about what I would be receiving as I've already spent over {$500.00} to receive this bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: EQUIFAX, 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 would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law XXXX, title XXXX, XXXX Stat. XXXX XXXX 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
Company: Amscot Corporation
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
Good afternoon, Recently, I applied for a loan, and I was denied. I inquired as to why this happened, and I was told I have an outstanding XXXX XXXX with Amscot. I have not taken out a cash advance with amscot in well over XXXX years. It is effecting my credit, and it is preventing me from getting loans and credit cards anywhere. Can you please assist me in correcting this issue? 

Thanks, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-16
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am contacting your company because there is a fraudulent school account on my credit report which I keep contacting your company to have removed as it is fraud and does not belong to me as I am a victim of identity theft. My ex husband was deported for using my indentity as well as my sons. So please remove these items as they are fraud. The first item is a credit inquiries from XXXX  XXXX XXXX   XX/XX/XXXX which is fraud and I would like removed at once and the second item is XXXX XXXX known as XXXX XXXX XX/XX/XXXX for the amount of {$1400.00} showing up as a degetory item on my report but this is fraud because this item does not belong to me and I have continued to complain about it please remove this because it is fraudulent and was not opened by me as I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: AmeriCollect
State: OH
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:
Reviewed my credit report and a medical account was added I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF XXXX  ], to protect my privacy and medical records from third parties. I do not recall giving permission to I XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, AMERICOLLECT # XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, AMERICOLLECT # XXXX is to only be revealed with the patient 's authorization, therefore my request is two-fold and as follows, Validation of Debt, and HIPPAauthorization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX did not have authorization nor permission to access my credit report. They had mentioned the inquiry would be removed but it is still on Transunion 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 explanation
Consumer complaint received 2021-07-04
Company: Capio Partners, LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I have never signed medical release forms authorizing these companies to provide information with my medical bills. I have repeatedly requested these reports removed. This is in direct violation of my hipaa rights, Im requesting these reports removed immediately. In order for a company to claim debit they are to provide the listing debt company with detailed information regarding the debt. Ive never been contacted prior to or after these debits were initiated not by phone or mail ( service dates XXXX ). I have submitted disputes that have been deleted / removed and then added again by these companies. This is harassment, and damaging to my credit worthiness. Again Im requesting these medical debts removed immediately, I have never given my consent for my medical information to be shared.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-07
Company: AES/PHEAA
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
When I left for the XXXX XXXX in XX/XX/XXXX, the XXXX XXXX submitted paperwork to the Department of Education reflecting my status. At the same time I submitted paperwork to my my loan holder requesting ( for the second time ) to be placed on an income based repayment plan, as well as an application for public service loan forgiveness. Around XX/XX/XXXX I started receiving emails that I was close to defaulting. I reached out to XXXX XXXX several times requesting the status of my several applications. Throughout XX/XX/XXXX I  corresponded with XXXX in an attempt to update them and continue to apply for PSLF and ICBR. Every application I submitted was denied, generally on the ground of not providing enough documentation, even though I sent a certified letter from the XXXX XXXX, as well as evidence of my living stipend as evidence of my income. When I returned to the US in XX/XX/XXXX I was still close to defaulting so I made one large installment and put in a forbearance request. I made contact with XXXX several times throughout XX/XX/XXXX to try and sort out the applications. I was told the XXXX XXXX did not notify the Department of Education about my status, even though this is standard operating procedure for XXXX XXXX. Over the phone I asked for a new application, and for PSLF to be retroactive and take into consideration my over 4 years of volunteering with XXXX XXXX and XXXX, as well as my current status as a XXXX. Multiple customer service representatives ( including XXXX ID # XXXX and XXXX ID # XXXX ) refused to work with me, including hanging up calls, being rude, and refusing to entertain requests for further information. Throughout this exchange XXXX continued to send correspondences to addresses I do not live at, despite emailing them multiple times to update my address, and despite the XXXX XXXX sending the Dept. of Ed information about my status abroad. My requests for address changes were ignored and receipts of my applications, and their rejections, as well as my proximity to default were all sent to Maryland, even though I lived in XXXX and my former landlord kept sending the letter back with a label saying my forwarding address was XXXX XXXX. At present, I still do not have PSLF nor am I on a ICBR Plan, despite having served as a volunteer at currently at a 501 ( c ) ( 3 ) for almost 5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: Navient Solutions, LLC.
State: MD
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:
On XX/XX/2017 {$25000.00} consolidated loan reported that doesnt add up to what was ever disbursed to me. Ive reached out to Navient to investigate my account with no help. Also, they have reported incorrect balances amd late payment. I have no idea where these amounts are coming from. Ive reached out to my schools and to ger a copy of disbursements and billing to match with navient and it looks to be fraud.

Company response to consumer: Closed with explanation