BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-30
Company: CORELOGIC 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: Their investigation did not fix an error on your report

Complaint:
I previously filed a complaint about an unauthorized inquiry from XXXX XXXX  and Credco dated XX/XX/XXXX. Their response is as follows : " By way of background, XXXX XXXX  ( XXXX ) acts as a residential mortgage broker. XXXX  originates mortgages and brokers those mortgages primarily to XXXX  as the Lender. XXXX was the lender for the XXXX XXXX XXXX and  XXXX XXXX XXXX loan. Contractually, XXXX also handles many of XXXX  other back office functions, including legal and compliance. Therefore, XXXX will be responding on behalf of all parties. Please be assured, XXXX  and XXXX  take all complaints seriously and appreciates the opportunity to address the consumers concerns. XXXX has previously addressed concerns received from XXXX XXXX and XXXX XXXX under CFPB Complaint ID XXXX and XXXX. As noted in XXXX  prior responses, on or about XX/XX/XXXX, XXXX XXXX and XXXX XXXX attempted to obtain a prequalification through XXXX, but it was clear that their Debt to Income ( DTI ) ratio was too high and their credit scores were too low to obtain either conventional or FHA financing. Nevertheless, XXXX attempted to assist XXXX XXXX and XXXX XXXX to prequalify for a mortgage. XXXX  initially reviewed XXXX XXXX credit profile on XX/XX/XXXX and XXXX XXXX credit profile on XX/XX/XXXX. XXXX  reviewed XXXX XXXX credit profile again on XX/XX/XXXX. The credit pull made on XX/XX/XXXX, had no negative impact on XXXX XXXX credit score as the credit pull was within the 45-day shopping period. XXXX XXXX and XXXX XXXX contacted XXXX  on XX/XX/XXXX, to advise that XXXX XXXX child support payment was reduced. At that time, a request was made for XXXX to pre-qualify them again. When the request was made, XXXX XXXX and XXXX XXXX authorized XXXX to review their credit profile, resulting in XXXX pulling a tri-merge credit report that same day. XXXX is unable to remove the credit inquires made on XX/XX/XXXX, as it considered the credit pulls valid pursuant to the authorization provided. XXXX  and XXXX  is committed to responsible lending and servicing and we apologize for any frustration or inconvenience this matter may have caused XXXX XXXX and XXXX XXXX. For additional questions or concerns, please contact XXXX  at XXXX. '' There are multiple mistakes with this response. First off, this inquiry was obtained WITHOUT my consent. Second, I never contacted XXXX XXXX XXXX and I never authorized any credit pull. Lastly, my fianc did make contact to provide an update on the child support and an update only. At no time was any verbal authorization or any authorization for that matter given to pull a credit report. This is absolutely fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
Company: Southwest Recovery Services, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
credit repair is illegal in the state of georgia i contacted XXXX XXXX to repair my credit in 2019 made false claims about their services promising to remove negative information from my credit report they charge high fees did not to the sevice when i did not finish paying them they put a collection on my report of XXXX dollars for illegal services they did not do unlawful and deceptive practice i want the collection immediately remove from my credit report for this illegal practice the collection company is southwest recovery XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX tel XXXX the credit repair company is XXXX XXXX no contact information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: SUNTRUST BANKS, INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I called Suntrust on last Friday about my account. And I told the lady not to shut down my cards I needed them and that I would call back once I get everything straight. Well they did anyway after I said not too. I have the right as a customer to not have my card shut down.so Im filling a formal complaint this is totally unacceptable as a customer I reserved my right at that moment as a customer and something needs to be done. So Im asking for that phone to be pulled because i said dont shut down my card all phone call are recorded.

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 2018-07-18
Company: GLA Collection Company, Inc.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a certified letter out on XX/XX/2018 asking could this company validate my debt. What I received back did not validate the debt. I received an itemized statement instead.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
debt is not mine, i was a victim of identity theft

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: MiraMed Revenue Group LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hi, Over a year ago I gave birth to my son and paid in FULL all hospital bills. However, they have continuously called me over the past year trying to collect money from a bill that was already paid. Despite the fact I have sent several times proof of payment to the hospital they continue to call me and now they hired a collector. I would obviously pay if I actually owed the money but this isn't the case. This is bringing a lot of stress and could possibly hurt my credit. 

I'm attaching the hospital bill + a copy of my bank statement were you can see that the payment was made + the letter I received from the collection agency. 

I hope you can help me with my problem. Have a wonderful day! 

XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: Agency of Credit Control
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
A debt collection company contacted my former employer of mine and noted that they confirmed a medical debt of mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: Experian Information Solutions 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:
On XX/XX/XXXX, I wrote to Experian to dispute an inaccurate entry on my credit report in regards to XXXX capital XXXX credit card accounts. My credit report showed that I was late on my XXXX XXXX XXXX XXXX accounts on the following dates : Account # : XXXX ... .. ( XXXX, XXXX, XXXX, XXXX, XXXX,XX/XX/2016 XXXX Account # : XXXX .... ( XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX XXXX. I spoke with a XXXX XXXX representative in XXXX of XXXX. She verified that I was never late on both of my accounts and that it was a mistake. She also stated that XXXX XXXX will report both accounts as current and never late. I also received a letter from XXXX XXXX stating that XXXX XXXX finished their investigation and their research found that all payments are current and never late. They also stated that they will update my account with all three credit reporting agencies. However in reviewing all of my credits reports from all three credit reporting agencies, XXXX XXXX, and Experian, both my XXXX XXXX accounts still showed me as being late on the dates listed above.

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 2019-08-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX, I went to make a deposit in my Citizens Bank account. The teller told me I had 4 overdraft charges after my car insurance came out. My account was short {$1.00} to cover the total of the insurance. When I checked my transactions on my online banking, I had an overdraft charge the next day for {$35.00} and then {$30.00} every three days after for a total of {$90.00} in sustained overdraft fees plus the {$35.00} initial. I called the bank to ask to be reimbursed because I received no notification my account was overdrawn nor was I aware that there was a sustained overdraft fee. I was denied being reimbursed after speaking with 2 managers. I did a quick search and discovered that a class action lawsuit was filed in 2017 regarding the sustained overdraft fee and the court ruled that it was in violation of the National Bank Act. I can't believe the company is still doing this after this lawsuit and no body cared.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
Company is not fairly addressing my disputed transactions, is procedurally biased in favor of the merchant, and may be in violation of the letter and spirit of the Fair Credit Billing Act. Please see my detailed explanation of the situation and my concerns, attached with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
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 accordance with the Fair Credit act credit acceptance account number XXXX has violated my rights. 15 U.S.C 1681 section 602A. i have rights to privacy. 15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2020-05-13
Company: Bread Financial Holdings, Inc.
State: IA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid my full credit card balance on XX/XX/2020. When I pulled my credit report in XX/XX/2020, it was still reflecting that I have a balance of {$140.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
This is my 3rd attempt ( through CFPB ) to get Select Portfolio Services , Inc. ( SPS ) to report our payment history to the 3 major Credit Reporting Agencies. 
After multiple interactions with SPS, they did admit that it is simply a policy to not report our credit history and not a LAW as originally claimed. 
Our current contract with the lender was signed post bankruptcy and is in itself a " re-affirmation '' of our willingness to honor the terms of our agreement with the lender. 
By refusing to report our credit history to the 3 major Credit Reporting Agencies SPS is in violation of Federal Law. Both in letter and in spirit : " 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 2 ) Duty to correct and update  information. A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. '' I expect immediate compliance with this Federal Law. 
. In the event you are unable or unwilling to comply with this instruction, I shall alternatively require of you evidence of your Registered Agent for the State of Washington as well as the policy number and name and address of the underwriter of your Bond. 
Failure to properly respond to such a simple request leaves me to seek remedy through the FTC and making claim against your bond for damages to my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: Sequium Asset Solutions, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My credit score with XXXX XXXX, And XXXX  have gone done since Sequiem Asset Solutions has placed a debt with no attempt to inform me that it would be affecting my credit score, Under what law and I do need these companies to quote the law, does XXXX  and XXXX  and XXXX and sequiem sollutions have, in other words what gives them the legal right to keep placing a account in the credit reports? Please the law and its explanation not a blanket statment stating you mailed, XXXX  and XXXX and XXXX, can you guys please answer what legal right? I can not find it under fcra/

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: JPMORGAN CHASE & CO.
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
It clearly demonstrates that information appearing on my credit report is inaccurate and is damaging my character, credibility, or ability to obtain credit. I've learned that I can seek Injunctive Relief through the courts. Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed.Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX XXXX. As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of emotional distress and at the other diminishes of the quality of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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  ; XXXX  and Transunion are reporting incorrectly that I am ( 30-60 ) days late on the XXXX XXXX partial account number XXXX. XXXX  is also reporting this account as a duplicate partial account number XXXX. This is a violation of the Fair Credit Reporting Act to report the same account twice on a separate trade line. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. 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 2018-04-11
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have filed 2 complaints against OCWEN in an attempt to get my mortgage invoices reported correctly. On both occasions, they have done a complete review of my account, concluded that my account is current and I have not missed or made any late payments, cfpb have closed the complaint on the word of OCWEN that the issue have been resolved and then continue to send me bills showing that my account is past due and has an outstanding balance. I'm convinced that OCWEN has the nefarious intention on foreclosing on my mortgage if I am not paying attention, so I am insisting that this complaint not be closed until I have received a bill showing no outstanding amounts and that my mortgage is completely current. I spoke with 2 individuals at OCWEN on XX/XX/XXXX one was the escalation manager and they still insist that I owe OCWEN from XXXX. This statement insinuates that my mortgage is over the 120 days behind at which point they can begin foreclosing against me. 

The two previous complaint numbers are XXXX and XXXX. 

I am attaching the letters sent in answer to these complaints clearly stating that my account is current and am insisting that OCWEN correct my account to show that it is current with XXXX outstanding amounts. 

I am also attaching the bills I am receiving showing a balance forward that is incorrect, my bills should have a {$0.00} outstanding balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: LJ Ross Associates
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Experian Information Solutions Inc.
State: TX
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:
For years I have been paying a lot for insurance. I kept getting told by all the insurance companies that it could be that my credit is not so good due to them running a consumer report during the quoting process. Every time I would get a quote it would come back high or ineligible. I have always paid my accounts on time. I decided to get my report pulled and out of surprise there is a lot of things that do not belong to me. Please remove these items from my credit report. DPT ED/XXXX XXXX {$4100.00} XXXX  XXXX XXXX {$1100.00} XXXX XXXX XXXX   XXXX {$1900.00} XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$500.00} XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX {$450.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$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 2021-08-12
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: Account status incorrect

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Old information reappears or never goes away

Complaint:
All 3 credit reporting companies have not removed very old debt from my report ... I hired places to resolve this but to no avail .. all old debt is more than 7 yrs old and affecting my life ... 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 2018-03-28
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been working with Navient for 4 months and told them I would pay my remaining 4 month balance off. I just sent them XXXX and not remaining balance is XXXX. They have confirmed agreement and stated I would be ok to pay it off once I received my check at the end of XXXX. 

They lied and sounds like a XXXX issue as they are deceptive and report credit even when they promise they wont. 

What resolution do I want : I have the XXXX to pay them off now! I will pay it as soon as they take the mark off my credit report. 

I am amazed they are allowed to get away with these practices.

Company response to consumer: Closed with explanation