BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-11
Company: PRESTIGE FINANCIAL SERVICES INC
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They attempted to reach me by phone and I notified them that I no longer have a source of income due to an unpaid medical leave. They repeatedly called and sent in profane language emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: Mr. Cooper Group Inc.
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We closed on the refinance of our mortgage on XXXX XXXX and we set to have our first payment due in XXXX. 
The closing documents we signed had the monthly payment as {$1200.00}. When I received my first statement from the servicing mortgage company, Mr. Cooper, the monthly payment said {$1100.00}. This was a pleasant surprise to see my payment lower than we expected. I thought there may be an issue so I contacted the refinance company, XXXX, and asked why this would be different. They told me to contact the mortgage company and find out. I called Mr. Cooper  on XXXX XXXX to check the accuracy or my statement and verify that my monthly payment was correct. The person on the phone confirmed the payment amount was accurate and I was all set. I again questioned that I expected my payment to be well over {$1200.00} and they once again assured me the amount was correct. 
Now, in XXXX I was on the app for Mr. Cooper and I see a statement saying my monthly payment is now much higher at {$1400.00}. I contacted them to find out why and was told that my taxes and insurance must have gone up and also that there was an escrow shortage that needed to be made up. 
Upon further research, it's become apparent that when Mr. Cooper began servicing my loan they did not collect the Primary Mortgage Insurance for my loan while they were paying out for it from my escrow. After 8 months of paying for the PMI, it created an escrow shortage that should not have happened, especially since I had spoken to customer service to discuss the monthly payment discrepancy. I would have been paying the correct amount for the 2021 year if they had accurate numbers and competence when I had called before making my first payment. This is a mistake on their part and they should make up the difference.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: Valor Intelligent Processing, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Valor Intelligent Processing has sent me a bill for {$3100.00} for my past due XXXX account. That amount is incorrect. The amount I owe is {$2600.00}. In addition to this, I have asked them to stop calling me and they have called me several times now.

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 2019-10-29
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and found late payment on XXXX, XXXX & XXXX of 2018 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, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-29
Company: BARCLAYS BANK DELAWARE
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: Account information incorrect

Complaint:
The company has still failed to address 2 major issues. 1 ) falsifying credit bureaus reporting the amount of actual debt owed ( real debt amount current equals {$12000.00}, Reported to credit bureaus {$28000.00} ) 2 ) They have not taken off {$290.00} interest charge made entirely in their fault and a breech of contract on a 0 % APR card, due to them tripling my debt. Quite frankly dealing with this company has caused me immeasurably grief, and financial hardships, I am now unable to do balance transfers to any other card, because of them lying to the credit bureaus about how much debt I have, which has also lowered my credit score by over 20 points. I demand them to immediately remove the {$290.00} interest charge, send an immediate letter to all credit reporting bureau with EVERY single error made on their part, and send me a copy so I can make sure my credit gets repaired. The last part should be checked by a 3rd party arbitrator, since Barclays has made dozens of mistakes over the last 6 months. Here are all of the mistakes I see since getting this account : Falsly claimed an interest charge of XXXX-XXXX, falsely added {$14000.00} in debt XX/XX/20, Falsey added {$290.00} in debt with interest charge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-28
Company: Experian Information Solutions Inc.
State: CA
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:
I had a credit card with XXXX bank. 
It was charged off in XXXX with a balance of {$2000.00}. 
I reached a settlement with them for {$910.00} which is supposed to be paid by XX/XX/XXXX. 
I sent a check for {$910.00} which they received by XX/XX/XXXX and it was posted to account on XX/XX/XXXX. 
According to the agreement, " As of the date of this letter, your account balance is {$2000.00}. Once receipt of the agreed settlement amount of {$910.00} by XX/XX/XXXX ( plus an additional 15-day waiting period to validate funds ) is confirmed we will consider your account balance settled- for an amount less than the full balance - and will send an update to the credit reporting agencies '', they didnot update my credit reports accurately. 
On XXXX, they updated my credit reports saying I made the payment of {$910.00} and remaining {$1100.00} as still balance on the account instead of reporting settlement and making the balance XXXX according to settlement agreement. 
This inaccurate reporting is affecting my account status utilization ratio and thus affecting my credit score adversely. 
I reached out to Office of the presidents, XXXX for resolution but there is no resolution after two weeks of initiating a complaint with them. 
If they don't respond to this complaint and update my credit reports accurately by reporting a settlement when it was completed back in XXXX, I will bring a lawsuit against 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 2020-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I pulled my credit report from Transunion and it shows and different balance amount and ask I looked forward the dates were also changed about the last payment. The account listed on my credit reports are showing a payment was made and they are re-age the account and I want this account removed/deleted from all credit bureaus account immediately. XXXX XXXX XXXX XXXX XXXX Acct # 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 2019-02-05
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: KY
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:
In 2015 me and my ex wife bought a home with Vanderbilt mortgage finance company and we divorced and she got the home and judge awarded her it and left me legally not responsible for it at all. Since then it has appeared on my credit and has hurt it where I cant get a loan or mortgage cause of it. I have called them and asked them to remove it and they said they wouldnt and I have told them several times that I have legal papers to show that I am not longer responsible for the mortgage loan and they said they dont care, So I went and ask a judge about it and it was told to me I have rights and to file a complaint against them to have it taken care of, so I have filed a complaint with credit bureaus and I have done it again and hopefully it will be taken care of. They have been rude and unwilling to corporate and it is not right for them to do this to someone. Its illegal and Im just trying to get them to do whats right It should be removed from all credit bureaus and no bad comments or anything negative on there from them cause this is horrible

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 2021-03-30
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I can only go back on my statement to XX/XX/XXXX through date. I spoke to a representative of XXXX  XXXX on XX/XX/XXXX and the manager was only able to credit me 6 months back. I never signed up for this and it was discovered by my wife as she has taken over paying the bills. This is complete fraud, I never signed up for such a service. They tell me I have been paying this since XX/XX/XXXX. I want a full refund or I am going to continue to pursue this matter. I can not believe these people can get away with this. I am trying to resolve this matter before I retain an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
Company: Square Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I sent money using cash app to a PHONE NUMBER XXXX cash app sent it to some random $ cashtag they decided on ' XXXX  XXXX '. however, i was sitting next to the intended recipient and he logged into cash app using his PHONE NUMBER and the app decided to log him in as XXXX XXXX or something else. the {$5.00} I sent is lost and cashapp support has decided to : 1. ignore my original request and ask for the same information 3 times. 
2. ignore the details i had already provided in my original problem email as stated above.

3. decline to help me with the original issue and just state that the {$5.00} wen to XXXX XXXX successfully. 

i know it went to a scam account successfully. that was the original problem. cash app will now keep those {$5.00} and neither I nor the recipient have access to it. 

They allow you to send money to a phone number. they allow you to login with your phone number. but they will also create fake cash tags to hold the money and make it be lost to the consumer so they can keep it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: Experian Information Solutions 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:
AS OF XX/XX/ I HAVE NOTICED FRAUD ACCOUNTS AND INQUIRIES THIS IS ONE OF THE FRAUD ACCOUNTS THAT MUST BE REMOVED NOW! 

account name : XXXX self-reporting account # : XXXX account type : Installment last reported XXXX last payment XXXX last date active : XXXX incomplete account # is grouns for removal of this account " fair cares act ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Transunion is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : 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 2018-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Experian Information Solutions Inc.
State: CA
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 Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX XXXX, Acct # XXXX XXXX XXXX, Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX/1022 Original Creditor : XXXX XXXX, Acct # XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX XXXX, Acct XXXX XXXX XXXX XXXX, Acct # XXXX XXXX XXXX, Acct # XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 Has violated my right to privacy. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy. 

15. U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-11-07
Company: EQUIFAX, 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:
This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXX XXXX  XXXX, FL XXXX ; XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX  XXXX ; Date opened XX/XX/XXXX Balance {$10000.00} ; XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; ( Original Creditor : ) XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: JPMORGAN CHASE & CO.
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 information incorrect

Complaint:
I have settled an account with chase and they are still reporting charged off instead of settled on my credit. I have the letter showing it is settled and they will not update credit to reflect that. They told me that the credit would be updated to reflect that and it is not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-29
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and found late payment on XXXX & XXXX of 2018. 
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, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
We have a property in XXXX and sold some furniture for XXXX Euros which I placed in my XXXX bank account at the XXXX XXXX. We then made a wire transfer order with my XXXX bank to wire XXXX Euros to my U.S. bank, XXXX XXXX XXXX XXXX. The wire transfer was made on XX/XX/XXXX via the correspondent bank, The Bank of New York Mellon. 
As of today XX/XX/XXXX the money has not been deposited to our U.S. Bank. My XXXX  bank has confirmed that the money is with NYB Mellon. I have tried to speak with the Wire Transfers Investigation Department at NYB Mellon, but they refuse to speak with me ; they will only speak to either my U.S. or XXXX bank. 
Both my U.S. bank and XXXX bank have called NYB Mellon and they report back to me only vague answers that the money has been received at NYB Mellon, but give no reason for not sending it on to my U.S. Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: Absolute Recovery Services, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I've sent letters on XX/XX/19 and XX/XX/19 to Absolute Recovery Services for verification of this alleged debt that sits on my credit reports. I have yet to receive a response in the mail outlining this debt. I just need to be sure that this debt does indeed belong to me. I'm very confused about a $ XXXX account sitting on my credit report that I had no knowledge of.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: Earm LLC
State: CA
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 has called me every day for the last week I've called every day right after and explained to them that I am not the owner of the set in and not in contact with the owner of this debt. I've also explained to them my wishes to be removed from this list. This was confirmed every single day but the following day I was called again. Today I called and before I could even respond I was called a XXXX, a XXXX and the caller refused to give me their information so that I can report it here he stood on the call mocking me calling me XXXX and XXXX over and over. This behavior is unwarranted as I am not the responsible party for this owner I'm not in contact with the responsible party for this debt. I was confirmed each time I called that my number would be removed it has not happened I do not wish to be subjected to any kind of bullish behavior for it that I don't owe. I spoke to Miss XXXX yesterday She confirmed that my information was noted to be removed but not taken off She removed it yesterday but today I was contacted again and called a XXXX and a XXXX. 

I I explained to the young man that I was recording all of this as it was exceedingly unprofessional rude and a bit threatening. The young man acknowledged the recording I have this for proof if needed

Company response to consumer: Untimely response
Consumer complaint received 2021-11-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I sent out my XXXX round of disputes and they still have yet to remove or respond any Information back. I have also spotted many inaccuracies and XXXX  violations which is affecting the banking system and I am reaching out to the XXXX as an agent top remove this fraud information from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: Ovation Financial Services, LLC
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
COMPANY : OVATION SERVICES LLC. XXXX XXXX XXXX, XXXX XXXX, FL PAYMENT ADDRESS : OVATION SERVICES LLC XXXX XXXX XXXX XXXX, TEXAS COMPLAINT : I KEEP GETTING LATE CHARGES AND OTHER CHARGES AND I NEVER GET CREDIT FOR MY FULL PAYMENT. THEY KEEP RECORDING LESS THAN WHAT MY PAYMENT IS. I HAVE ALREADY CALLED AND THEY FIX IT FOR ONE OR TWO MONTHS AND THEY GO BACK TO THE SAME OLD WAY OF POSTING OR CREDITING MY ACCTS.

Company response to consumer: Closed with explanation