BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-08
Company: SUNCOAST CREDIT UNION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for mortgage forbearance back in the first part of XXXX. It's now XXXX. Almost 2 months later. They keep telling me it's got to go to the board. I feel that they are dragging their feet. The mortgage forbearance runs out the end of XXXX. I was 6 weeks late with my my payment for XXXX when I applied. Have not heard anything yet. Have called and gone in. They keep telling my the same thing. Has to go to the board. I'm high risk so I'm unable to work right now. I'm a neck breather. I was cleaning houses for a living. I don't want to lose my house. What can I do? Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I call last month and send letters with update address and ask them too remove address that didn't belong too me. They only update and didn't remove all just some and some address was not mine. I ask too update and remove old phone numbers as well still only updated without any removal. All three bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: M&T BANK CORPORATION
State: DE
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/18 XXXX XXXX billed the incorrect account I contacted M & T and explained that I can move the funds from the account that was supposed not be billed, but the fees incurred were not due to my actions. 
I was told they would be credited they were not and I subsequently got further fees due to low balance. 
I called back again to explain the situation and was promised it would be fixed. 
I received more fees. 
I called back and at asked for some to at least be waived as a courtesy if they were not willing to acknowledge the billing error that started this. 
To date I have received 6 fees due to the snowball effect of not having prior ones refunded.

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 2022-04-05
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2018-05-21
Company: Midwest Recovery Systems
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company, which I hold no contract with nor have received services from, reported a collection account found on my credit reports from XXXX XXXX XXXX for the amount of $ XXXX. I've contacted the debt agency on XX/XX/XXXX, for more information regarding this debt and was repeatedly transferred to a representative 's voicemail ; in which absolutely none of my voicemail messages were returned. This debt was fraudulently placed on my report without my consent. I've requested verification of said debt account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services, nor have they provided adequate proof I am not obligated to pay for this alleged debt. Under section 611 ( a ) ( 5 ) ( A ) ( i ) states that all 3 credit reporting agencies must have the original signed paperwork in their physical possession before they can report it on said credit file. Nothing was furnished to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: LoanCare, LLC
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:
I feel that loan care has mis-reported my payments. 

I have paid every 30 days so if there was a late payment, there would never have been a time that there was a payment more than 30 days late. 

Also when the make up payment was received in XX/XX/2020, there were no instructions to apply to principal - and if that were a standard, then why wouldn't every underpayment have been applied to principal. 

There was never a late notice or phone call on this account, but there are notices on my other loan care loan.

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 2021-02-25
Company: The Bureaus, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed a collection account with the debt collector and they verified the debt as accurate with the credit bureau. I have tried to contact them directly using the contact information provided on their website and as reported in XXXX XXXX and I can not get a hold of a live representative. The phone numbers listed seem to be valid but they always lead to a voicemail box, even during the displayed operating hours on their website. I have not received a phone call back after leaving several voicemails. The collection agency is called The Bureaus Inc. and their website is : https : //thebureaus.com/ Their advertised phone numbers are as follows : XXXX - Toll Free XXXX - Local It should be unlawful to report information to a credit bureau and not offer live assistance to a consumer wanting to verify a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
Company: AMERICAN EXPRESS COMPANY
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
- XX/XX/XXXX realized that my american express membership rewards balance ( ~XXXX ) has been frozen as I am unable to transfer to travel partners -XX/XX/XXXX contacted amex via chat and was told that my account is being reviewed for the next 6-8 weeks. No additional details or rationale was given as to why or what I needed to do to resolve quicker.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-26
Company: Lending Club Corp
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I took out a loan for {$8000.00} to handle some debt. I agreed on a 3 year term to payback {$300.00} every month. I have 10 months left to finish. They gave me an option to change my due date because the way I get paid has change and this was a year ago. I never had a problem paying and I'm always on time. I even have an option to pay the XXXX earlier than the due date. This is where the problem happen on XX/XX/XXXX I paid the XXXX and it was deducted from my account. On XX/XX/XXXX, they sent an email stating there was an error on their end and my amount was not drafted correctly so they went and drafted the amount themselves. The way I handle my finances I did not have the amount to cover it which left my account negative. On top of that I have rent of XXXX that was coming out of my account on XX/XX/XXXX with a paycheck of XXXXand my lights and phone was suppose to be paid with that check. Which left my account XXXX on top of the over draft fee my bank charge which was {$35.00} and I do not have the funds to cover the next over draft fee. The lending company agreed to refund me the amount on XX/XX/XXXX but it will take 5 business days. For each day my bank account is negative I will have occurred an overdraft fee. This has left me in a messed situation and my bank can not overturn the amount either. I setup my payments accordingly and without warning or care they felt its ok to draft the money because their system was hacked or something. I should not be held responsible since I did my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
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:
Please see the attached letter sent to TransUnion on XX/XX/2018. I had previously disputed the invalid collection notice from XXXX XXXX XXXX on my credit report in XX/XX/XXXX. I received a notice stating that TransUnion " verified '' all of the information on XX/XX/2018. In a phone call thereafter, I asked what they 'verified ', because there is absolutely NO documentation to support any agreement to pay any set amount of money on any regular dates in regard to this error. I was told that the company verified the amount, the date, and some other information. Naturally, the company ( XXXX XXXX XXXX ) would say that it is correct. But that is unsupported. Where is the documentation? 

I reached out to my attorney who advised me to write the letter attached, disputing it again, and in writing clearly stating the non-existence of any of the following : There has been : - NO application for credit - NO credit extended - NO loan in any amount - NO signed agreement to pay funds in any amount - NO signed agreement to pay funds on any dates or intervals There has been NO exchange or trade of any goods or services related to the matter.

Without the above, there can be NO late payment, NO missed payment, and NO valid collection notice should be on any credit report. 

TransUnion representatives told me in a recorded call with a supervisor that they do not require any evidence of the debts that companies post for collection. I could not believe they were telling me this. It is both asinine and absurd. Furthermore, why waste time with a dispute? They may as well save some money on employees working on investigating disputes, because that is a waste of resources. In the letter, I requested in writing that TransUnion ask the companies reporting the collection to provide them with each of the above documents. If they are unable to provide all of those things, ( which they can not because those documents do not exist ) then TransUnion needs to remove the collection notice immediately. TransUnion needs to actually do their job and make sure consumers are protected from people/companies who are trying to use credit reporting agencies to manipulate consumers. There is no legal basis to have this collection notice on my credit report. If the company feels that they are owed money, they may file a lawsuit, however, they may not legally send collection notices to any credit reporting agencies.
I consent to this complaint being published publicly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX AMOUNT DUE {$420.00} OPENED XXXX XXXX, 2021 XXXX XXXX AMOUNT DUE {$3100.00} OPENED XXXX XXXX, 2021 THESE ACCOUNTS WERE NOT OPENED BY 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 non-monetary relief
Consumer complaint received 2020-12-08
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I was a with COMENITY BANK/XXXX  customer since 2014 and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payment on the above referenced account ( XX/XX/2014 ). Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: Diversified Consultants, 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 discovered a collection from Diversified Consultants regarding an alleged XXXX debt. I do not owe this debt and this debt does not belong to me. 

I request all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4. Documentation showing they are licensed to collect debts in [ my state ]. 
Because I am writing you within 30 days of being notified by your company about this debt, you must cease attempting to collect this alleged debt until after you have provided the requested information. 

If the company continues attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, they will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I had an account with XXXX XXXX. I was a victim of racial discrimintation from this compnay. I lost my car. The company is reporting false information that I made payments in 2014 XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not make payments on these months. I asked for documentation as it pertains to these payments and never received any response. Also, they took more seven years to charge off my account after being more than 180 days delinquent in 2014. I would like for this to be noted that these people are harassing me. Also, that the account is being handled by an outside agency where they are still attempting to get money out of 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 explanation
Consumer complaint received 2023-09-07
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Electronic communications
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2023 XXXX XXXX XXXX requested that the debt collector in question please send me a copy of the Validation Notice with all original documents with my Wet signature which to date XXXX XXXX XXXX never received. 
On XX/XX/2023 XXXX XXXX XXXX sent a response to the debt collector to please Cease and Desist all calls to me for I do not confirm or acknowledge this debt. For which to date I XXXX XXXX am still receiving threatened text, email and calls to my self and family members.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: SYNCHRONY FINANCIAL
State: MT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Amazon Synchrony The Billing Date is on the XXXX of the month. 
When you pay the balance in full between the XXXX and XXXX then it does not count as a payment for the billing cycle ending on the XXXX. 
Any charges made after full payment an the XXXX of the month will be due by the XXXX of the next month or be considered past due and a late charge is charged. 
I have complained to the company and have been told that I can only make payments between the XXXX and the XXXX of each month or they will be applied to the previous month. 1 ] its hard to remember that we can not puchase anything on Amazon until after the XXXX of each month. 2 ] if the billing cycle ends on the XXXX any payments after that billing cycle ends should go to the next billing cycle, after all if we missed that date with a payment we would be penalized. 
The answer I get when trying to work this out is " I'm sorry but this is a company policy ''

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 2023-07-19
Company: Exeter Finance Corp.
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:
The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05
Company: AR Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I applied for XXXX XXXX XXXX XXXX. I was approved and denied financial aid. I was told to pick my classes and apply for loan. I ask them to look into my aid. After I attempt to get my book for the classes .To be told I had to buy the book out of pocket. I drop all the classes. To later get a bill and month later a bill from the collection company. I called Financial aid who agreed my aid was process wrong understood while I drop the classes. Advised me to all the student advisor to help me look into the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
On XXXX XXXX, I intiated an instant transfer of funds in the amount of {$280.00} from my Venmo account to my XXXX checking account.Although Venmo insists that the funds were transferred, the funds never posted in my XXXX  checking account.Both companies performed a investigation but couldn't determine where my money went and told me that they consider the matter closed.My boss, who wrote the check, went into XXXX XXXX and had the check traced.XXXX discovered that the funds were deposited into a account at XXXX XXXX XXXX  XXXX, XXXX XXXX, which was then transferred to an account at XXXX XXXX XXXX  XXXX XXXX XXXX. I have a copy of the check which I will attach, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Yes Hard Inquiries have been addressed with the 3 major Credit Reporting Companies however for reasons I am unable to understand or explain the Credit Reporting Companies fail to remove the Inquiries when they expire. XXXX XXXX XXXX made an inquiry on or about XXXX XXXX, 2015, that resulted in a HARD INQUIRY which should have fallen off my Credit Report however it remains and continues to be reported. There are other Hard Inquiries that will be expiring soon and hopefully they will be removed without submitting a Complaint or further review of my Credit Report History.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I applied for a rewards card with Capital One. They advertised that if you charge {$3000.00} within three months of opening an account, that you receive XXXX rewards miles. See link for that advertisement at https : //www.capitalone.comXXXX. I received my card on XXXX XXXX and started using it right away. I reached the {$3000.00} goal on a XXXX/XXXX/XXXX charge. When I inquired today, XXXX XXXX, XXXX, why I had n't yet received my rewards miles, they told me that they considered the account to be opened on the date I applied for the card which was on or about XXXX XXXX! It did n't matter that it was n't received or activated until XXXX XXXX. If what they are saying is correct, then you really do n't have three month 's to reach the {$3000.00} goal because it takes them two weeks to send you the card! No place on their advertisement did it say that the three months started when you applied. And if they do have it somewhere, it is VERY WELL hidden! 

I 've had many rewards cards before and this was NEVER the case. An account does n't exist until your card is received and activated. The XXXX in rewards is supposed to be worth {$400.00} and they now say I am entitled to nothing.

Company response to consumer: Closed with explanation