BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-12
Company: Bread Financial 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've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-28
Company: DISCOVER BANK
State: CO
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:
Fri XXXX XXXX, 2020 Merchant name is XXXXXXXX XXXX - THANK YOU Merchant category is Payments and Credits Amount is - {$1800.00} running balance is {$97.00} I payed XXXX as a minimum payment was charged XXXX and it was of course returned the payment was on discovers side accepted and taken off my debt in which they said they were going to send a Check to me referring to the extra amount paid after my bank rejecting the amount and charging me an extra {$35.00} instead of allowing this check to go to the bank they are sending it to me, i had them send it to me so that it did not reflect upon my credibility on the bank as it was going to take 7-9 business days. so that i can contact XXXX XXXX and return the money to the account without over drafting myself and putting my account in bad standing, unsure of what to do now i contact wells fargo to discuss the situation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: ACIMA CREDIT, LLC
State: NV
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/21 i wen thru acima to get a qualified for a loan on a table, they approved me but the table never came, they immediately started taking money from my account, which they had to reimburse me back because the table never came, I still dont have the table, Im trying to buy a house and it showing up on my credit report, I immediately called acima again and spoke with the representative and the supervisor. They said they are aware that I havent received the table and I was told the case is close. I asked them if they can send me a letter stating that the representatives said they dont have a letter that will state that but I can dispute it and they want fight it, I need help this company put something on my credit that I never received and its going to cause me to pay out more money or I want qualified because of this loan

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: Diversified Adjustment Service, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I never opened this account in XX/XX/2018. Please remove this account from my account is affecting my credit scores dramatically. 

Balance {$2300.00} Highest Balance {$2300.00} Opened XX/XX/2018 ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks -- Original Creditor Name XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
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:
hippa violation item no knowledge id theft victim sent po report sent cra

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 2020-04-28
Company: CITIBANK, N.A.
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2020 I have opened Citi Bank account package by phone. It had an offer of giving {$500.00} signup bonus in case of depositing XXXX dollars within 30 days and maintaining money during 60 days ( {$400.00} bonus ), and also for direct deposit each months during two months ( {$100.00} bonus ). 

I correctly spelled my name and other credentials but Citi representative had made mistakes 1 ) In my 1st name he made mistakes in two ( 2 ) letters 2 ) In my email adding " f '' to my email address before @, so I could not receive important information I have discovered error 1 ) in the package of documents which Citi had sent to me shortly after account opening. As it was requested I had sent by mail W9 form, copy of my ID and signature card. This information was received by CitiBank as it was confirmed today ( XX/XX/XXXX ). When I found problem with my 1st name I immediately contacted Citi to fix the error, however it took few weeks to do so. I made direct deposit to my new Citi account and deposited {$15000.00} in proper time range to be qualified for bonus. 

During usage of my account I had found that it is blocked for any outcoming debits. I had not received any warning from Citi by mail or email about that. Spending several hours on phone I managed to find out that Citi needs copy of my ID and SSN to verify account. As it was sensitive information I requested Citi Bank to provide XXXX   form so I could upload my documents, however, I had never received this form to my email. After waiting hours on a phone me and Citi representative figured out that email in the Citi system was wrong. It was written incorrectly by Citi representative who opened account by phone for me. As a result today I was informed by Citi representative, whom I called to ask again about XXXX  form that Citi had not received my SSN and ID and going to close the account and return deposit by check. I do not agree with that, I have all the phone recordings with Citi representatives to prove that it was not my fault and Citi bank representatives also admitted this in phone conversations and apologized to me about that but were not able to help to keep my account package. I am old time Citi client, currently I have Citi bank credit card in same online banking as contains checking and saving Citi accounts.

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 2020-04-28
Company: Experian Information Solutions Inc.
State: NC
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 have a car loan from XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX  reporting me 30 days late in XX/XX/2019. There was an error on their part. I was never 30 days late.

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 2022-08-12
Company: Amsher Collection Services, Inc.
State: VA
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:
AMSHER COLLECTION SERVICES HAS MY PARTNERS BUSINESS ACCOUNT ON MY CREDIT REPORT. ITS FOR HEAVENLY COVE. HOWEVER THEY HAVE PUT IT ON MY ACCOUNT. FURTHER SPEAKING TO THEM I ASKED FOR THE LAST STATEMENT. THEY SAID THAT XXXX OWNED THE DEBT STILL, HOWEVER AMSHER COLLECTION SERVICE IS ON MY CREDIT REPORT. SO I DONT KNOW OR TRUST THIS COMPANY. THEY ARE ILLEGALLY PLACING THINGS ON MY CREDIT REPORT. AFTER SPEAKING TO THEM THEY MADE ANOTHER OPEN ACCOUNT ON MY REPORT WHERE IT SHOW ACCOUNT {$83.00} CREDITOR NAME IS XXXX XXXX SO IM KINDA CONFUSED TO HOW THEY ARE LEGALLY ALLOWED TO DO SO.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 have a car loan from XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX XXXX XXXX with no successful resolution. XXXX, XXXX, and TransUnion reporting me 30 days late in XX/XX/2019. There was an error on their part. I was never 30 days late.

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 2018-11-23
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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:
In XX/XX/XXXX & XX/XX/XXXX prior to doing a voluntary repo for my XXXX XXXX XXXX, I had several telephone conversations with XXXX XXXX department discussing the pros & cons in returning my car. 

I was told this return would be listed as a voluntary as long as I return the car to a local Nissan dealer, also incurring NO additional charges or fees. And any balance due would be written off as a loss. 

Nissan is reporting this on my credit bureaus as a charge-off ... not a voluntary repo/ loss which affects my credit tremendously. I have a decent score ... but each month the supposedly balance written off as a loss is showing as a charge-off monthly. 

I currently will be homeless in 3 weeks because no one will accept my credit showing a charge-off. 

Nissan refuses to list my voluntary repo as so or as a total loss written off. I have submitted several disputes with the credit bureaus & Nissan refuses to remove the wording Charge Off. 

Can you please help me to have them correct the reporting issue? 

They have refused so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: Freedom Mortgage Company
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
The lender is aware that I am XXXX in the military and they scheduled a sale date on my property. They have advised me that it should have never happened and they can not stop it now.

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 2021-10-22
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX PHH Mortgage acquired my mortgage from XXXX XXXX. At the time of the acquisition I was just finishing 6 months of forbearance, as allowed by the federal government due to Covid, and ready to resume making payments XX/XX/XXXX. At the time of the acquisition, my Principal balance was {$150000.00}. When I received the statement from PHH they said my Principal balance was now {$150000.00}, which was quite a surprise. They had split my mortgage into 2 separate balances, {$6400.00} added to the end of the loan as non interest bearing from the forbearance, and {$140000.00} for the regular principal. Through several back and forth phone calls with PHH no one was able to explain the Non-Cash Adjustment of {$2300.00} on XX/XX/XXXX. They kept telling me they'd have to send it to the research department and call me back in a week. They always called back in a week and still couldn't explain what it was. They would just say that it's a Non-Cash Adjustment, but couldn't tell me how they arrived at that figure, nor why it reduced my principal from {$150000.00} to {$140000.00}. They also couldn't explain why the 2nd Non-Cash Adjustment ( this one for {$6400.00}, also on XX/XX/XXXX ) INCREASED my principal. By my calculations, they're charging me {$4000.00} and can't explain why. I've been very patient with them, giving them every opportunity to provide a reasonable explanation, but no matter how I figure it, it doesn't make sense to me. I'm not unfamiliar with mortgage terms, as I worked in banking, finance, and mortgages for 12 years at 3 different banks. If you can assist me that would be wonderful. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: AFNI INC.
State: MI
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've pulled my report and find an XXXX XXXX account on it. I never had it. I have no bills with them. Please have this taken way. They say I owe {$290.00} on my credit report. Have them stop it please. I will not attempt pay them unless they can " prove '' I was a customer. Do they have phone records? NO. I was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: Lennar Financial Services, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Applied with the lender in XXXX. They didnt start working on the application until XXXX. We finally scheduled the closing and While I was closing signing the legal binding docs, the lender called and said stop signing. I was told the loan could not close. I was told that my uncle who was a co-signer has something come up on XXXX. I was wondering how did this just come up and we were set to close. This was not on my loan approval as an item. Then my dad who is an XXXX  XXXX helped restructured the loan to remove my uncle, payoff debts. We kept my aunt on the loan an got an XXXX accept. So we spent another week trying to get the additional payoffs, documents and was told today that I didnt meant residual. The loan was approved eligible. Why would residual be an issue? My dad was paying all the closing cost so the funds in my account were for residual. My aunt and uncle had liquid reserves as well not to mention his additional $ XXXX to help me with the payment. I feel like they discriminated against me because I am XXXX years old trying to buy my first home. My credit is in the 700 and my income dropped slightly because of CORVID. I dont understand I saved my money and wanted to get my first house instead of renting. I wanted to build wealth but this company gave me the run around to disappoint me from the American dream that from my understanding is not a reason to deny me. They are simply a bad company with no ethics and violated my rights. I signed legal documents!

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 2018-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
I have a previous complain which is closed without proper resolution # XXXX. 
This is regarding hard Inquiry in my credit report from unknown agency XXXX   Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX These are coming in Trans Union and XXXX   both and I do not remember I have not authorized any one of them doing it. 

So If this is not authorized so they can't hit my credit,

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 2020-11-07
Company: Synerprise Consulting Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Account was deleted XX/XX/XXXX in a dispute and they are still calling me being rude, using profanity language and calling. My job threatened to have police arrest me. And decreased my credit score by 23pts Creditor info. 
1. XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX 2. Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$170.00} High Balance {$170.00} Remarks Account information disputed by consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check by phone ( mobile banking ) into my Bank of America checking account on XX/XX/XXXX. Only {$200.00} of the deposit is available. The check I deposited comes from a XXXX business checking account and cleared XXXX the same day, XX/XX/XXXX. However, Bank of America has a hold on the remaining balance until XX/XX/XXXX. As a result I had a transaction returned and I incurred a non sufficient funds fee for the returned item. I called Bank of America customer service and was told that they could not do anything about the situation and that the rest of the funds would be available on XX/XX/XXXX. I will probably have more transactions returned and I will incur additional non-sufficient funds fee. I have deposited checks from this same XXXX business account multiple times, at a ATM and mobile banking, and never had a problem.

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 2020-11-07
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:
Full name : XXXX XXXX Social Security # XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 
The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 
XXXX XXXX Balance {$1100.00} XXXX/XXXX Balance {$4500.00} XXXX XXXX Balance {$2000.00} XXXX ( Original Creditor XXXX XXXXXXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) {$1300.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) Balance {$230.00} ( Original Creditor : XXXX XXXX ) Balance {$1100.00} ( Original Creditor : XXXX XXXX ) Balance {$10000.00} XXXX XXXX XXXX Balance {$34000.00}

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