BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-07
Company: DISCOVER BANK
State: GA
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:
I have informed Discover Bank on several attempts to dispute the fraudulent charge from XXXX XXXX XXXX XXXX Amount {$570.00} Dispute # XXXX and XXXX XXXX XXXX XXXX CO XXXX {$160.00} Dispute # XXXX. They have disputed it and reversed the charge and charged it back to my account over XXXX without providing the consumer ( myself ) the validation of the allege fraudulent charge with XXXX nor did they provide proof of allege debt for XXXX XXXX as this was not fraud but the services was not rendered nor performed as they did not let customers through to catch flights due to the long line and short staff. 

Discover even went as far as providing a new card due to the agent charging me without my consent/notification all to place the charge {$570.00} back on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: EQUIFAX, INC.
State: MO
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 am writing this letter to inform you of the Bankruptcy inaccuracies, HIPPA Violations, inaccuracies, errors, and Violations on my consumer report. I mailed the letters to the Bureaus ( transunion, equifax, experian ) on XXXX XXXX 2021/XXXX XXXX, 2021/XXXX XXXX, 2021 and I have not received any response to this matter from Equifax, Transunion nor Experian. They havent responded nor input a Notice of Dispute within the 30 day time frame. Please assist in getting this matter resolve because they have not replied within 30 days. As a result, thats a violation. Thats protection under the FCRA Section 623 and that {$1000.00} fine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have sent proper documentation to each credit bureau about a bankruptcy reporting that is displaying inaccurate, incomplete information. I sent copies of all 3 credit bureaus side by side showing the inaccuracies. You must have a financial amount paid/owed/discharged on a bankruptcy. You must have the correct date of discharged and correct filing dates and all accounts under the bankruptcy that were discharged and the amounts. The credit bureaus failed show this information. The also must have the correct account number and name of the court. They failed to display accurate and complete information that coincides with each other. I showed them that they are reporting differently on each report and they have still not removed the inaccurate information from my credit profile, which is a direct violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: Experian Information Solutions Inc.
State: ID
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:
I have disputed a medical collection multiple times due to inaccuracies. I just now received mail from the debt collection agency that proves they obtained my protected health information. This company has my specific lab tests I had done, as well as my symptoms and the treatments I received. I never consented for the hospital to share any of that info and the debt collector XXXX shares this with other entities. I have tried another dispute with added documentation that the dates of this debt are wrong and that the only identifying thing from the collection agency about me, were my symptoms and treatments and tests. Cant reach a real person at experian. I want this fraudulent and invasive account removed from my credit report immediately. I have already filed a HIPAA complaint against the medical provider involved.

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 2019-11-07
Company: Credit Bureau of Carbon County
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I would like to file a complaint about COLLECTION CENTER-WYOMING XXXX XXXX XXXX, XXXX, WY XXXX I had 2 bills from XXXX Hospital XXXX  XXXX from XX/XX/XXXX. The bill of {$1700.00} was refereed to collection. However both bill ( {$1700.00} and {$600.00} ) were later on paid Workers compensation insurance ( since I acquired them through a work related injury ). Several months after Worker 's comp paid the hospital, the collection bureau was still showing balance of {$1700.00}. I contacted the original creditor XXXX Hospital and asked them to forward information that the bills were paid. The hospital informed me, they already did that and the collection agency shouldn't be reporting it. As of XXXX my balance with them is XXXX. I contacted the collection agency again and they said that " it still shows in their system ''. Then I contacted XXXX and filed a dispute. Several weeks after that the balance on my collection account dropped to XXXX, but stayed on my credit report. I contacted XXXX again last month ( XX/XX/XXXX ) to remove the collection from my credit report since the balance is {$0.00}. I guess the XXXX interfered. After that, the collection agency added unpaid balance of {$540.00} to my credit report. I have no clue where did it come from, since I did not receive any additional bills from XXXX Hospital. I called XXXX Hospital again, and was told I don't have any outstanding balance with them. AGAIN, the collection agency shouldn't be reporting any balance. I believe the collection agency is very well aware the bills were paid and I own nothing to XXXX hospital   and definitely nothing to to them and they continue fraudulently reporting already paid balance, hurting my credit and financials. I consider this a form of harassment and attempt to extort money I DO NOT own. What are neither good, neither legal business practices. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: CMRE Financial Services, Inc.
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent 3 certified letters to XXXX  XXXX  and XXXX  asking them to verify accounts per section 609 of the frca. They have never provided verification what do ever of accounts. There reply everytime is account verified per frca. Per section 609 these accounts must be deleated if they can not verify with original document i signed these accounts are account # XXXX. Next account # is XXXX ' next account XXXX.i also have a non medical account that they havnt verified its account number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I was trying to buy an item from this person named XXXX XXXX. And I sent him the money on XX/XX/2019 and he didnt give me the merchandise that I was supposed to get for the price of {$27.00}. And after that I went to PayPal but they denied my claim so I did not get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: Avant Credit Corporation
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: Old information reappears or never goes away

Complaint:
In XXXX of 2020 this account was on my credit report. I decided to dispute it. Nothing changed from it so I tried again and this time it said account closed. But still remains on my credit report. I want them to take this off my report and to not change wording around on my report. This company really hurt my credit. And want it taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, XXXX XX/XX/XXXX I never gave permission for the companies to run my credit report please have the credit bureaus to provide me proof of the inquires

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 2019-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
This literally my 4th attempt to have them fix this 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 explanation
Consumer complaint received 2021-05-20
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have had our mortgage with Suntrust since XXXX and have never been late on a payment. We had moved money from our XXXX XXXX account on XXXX in the amount of {$4400.00} account to our SunTrust bank account. Are mortgage is to be pulled automatically of {$4300.00} and it had been set up that way since inception. They never pulled are mortgage even though there is a 15 day grace period and it was setup on auto payment. They claim auto payment tries once and then they cancel auto payment. 

In there response to us, they had emailed us to two different email addresses that were not accurate even though we had changed our information through the bank, they never updated our email information with Suntrust mortgage. They claim they emailed us at : XXXX where she hasn't worked since XXXX and XXXX which is my email and I parted ways with the same bank in XXXX meaning they knew I wouldn't receive that email. 

Those emails per them were not sent until XXXX XXXX when there would already be a 30 day late payment meaning Suntrust didnt try to actual call there clients and let them know that they stopped the auto payment that has been fully working properly from XXXX. 

I emailed XXXX, who we were told is the head of suntrust mortgage, to try to have a conversation with him or someone in management and didn't receive any response from him or management. 

Then, On Friday XX/XX/XXXX, We got an email from CFPB that SunTrust closed complaint detailing the same information that they tried to notify us with wrong information of our correct email addresses. 

Then, an hour later, my wife got a call from SunTrust from XXXX, who said SunTrust was still working on this case even though we had gotten word from CFPB that they had closed it out. XXXX said he wasn't aware of any close out and would call us back later that day to see what is going on. 

This didn't happen and we never heard back. 

We then emailed XXXX a second time and left a voicemail with no call back or communication. 

We are now convinced that SunTrust didn't want, in good faith, to actually make things right with a client that has been with them with two different mortgages since XXXX. They are claiming that they tried to reach out and that will justify ruining a good client 's credit. 

If SunTrust bank would have updated our email addresses in XXXX with the mortgage department, we would have made the payment 10 minutes from it. But we didnt know the auto payment shuts off and we had no knowledge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I woke up to go to the dentist and hit the XXXX app to take me there ( I do XXXX XXXX ). XXXX would not authorize saying my account for payment was not authenticating. So I called Citibank phone number on my debit card. They told me the bank froze my account. I asked why. They said they could not tell me why. I asked when, they said they could not tell me when. I asked when I could get my money ( I had XXXX accounts ) out of the accounts. They said they would mail me a check after they closed my account. I asked why my accounts were being closed, they said they did not know why. I asked when it happened they could not tell me. I asked them who asked to close the accounts, they could not see. I asked if it was a mistake, they said no. I asked when the check would be mailed, they said after the accounts were closed. Asked if the accounts were closed now, they said no. I asked when they would be closed, they could not tell me. So I got a ride from a friend to go to the local branch. The branch XXXX worked on it for XXXX hours trying to figure out why XXXX was closing my accounts. All they would tell him was " compliance '' He said it made no sense because he could see on his screen when people go to even review my accounts and no one had even been in there to review my accounts, much less be able to determine if there was a compliance issue. He finally got permission to let me withdraw the money out of the accounts that was due to me. It was approximately {$600.00}. He said I would get a letter with a phone number and to bring it into the branch and we could call and get this straightened out. I never got the letter. Instead, I got a demand for a minimal charge stating my account was closed because it was overdrawn. What a joke! It was not overdrawn. It was frozen. I do not owe them any money for freezing my account and forcing it closed due to compliance. I got no notice about the closing of my accounts. I am sure they have reported this falsely to the credit reporting bureaus. I think they were embezzling money from my account from the inside and they were getting calls from a XXXX citizen extremists helping them along the way. Then they decided to cover their tracks because they thought I was getting to close to piecing it all together so they had to freeze me out of online access. Then they created the bogus demand on overdraft. I have the evidence to prove that letter is not true. Since the letter was drawn by an employee inside XXXX, someone inside XXXX is working with XXXX XXXX extremists. That is domestic terrorism. It surely caused me a lot of harm.

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 2019-05-07
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I called Santander to ask them for help with lowering my car payment. Im on XXXX with a fixed income. My current monthly payment for the car is {$400.00}. Im trying to avoid bankruptcy. 

At XXXX XXXX XXXX, I was charged for gap insurance that I was adamant against it. The finance manager XXXX ( I believe ) told me that I cant purchase the car without it. 

Please advise and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: Experian Information Solutions Inc.
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: Credit inquiries on your report that you don't recognize

Complaint:
I see that you guys validated that these inquiries are accurate. I would like a copy of my written signature, a written copy the time and date of when this happened, a written copy of the rep or clerk who handled me as customer or client. I am not of aware of these inaccurate inquires and you are reporting false information on my credit file which is against the FCRA and I ask that you immediately delete these inaccurate items.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-09
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint mortgage ran an escrow analysis, but failed to recognize that we are paying for flood insurance on our own. I sent them proof of coverage. In addition, their process to have the coverage removed is very time consuming and difficult to reach the correct departments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I applied to Discover Bank for a credit card in 2018 after receiving a promotional offer for balance transfers and purchase charges of 0 % for 14 months. Discover Bank failed to honor their promotional offer, and began charging interest on purchase charges after 6 months. I called multiple times to dispute these interest charges and requested a credit back for them. Discover refused and suggested the promotional offer did not apply after 6 months despite the fact that it did. I requested proof of the original contract three times. Each time Discover promised to mail me the original agreement - and each time they failed to do so. I have attached to this complaint a copy of Discover 's promotional offer as it appears on their website today.

The interest charges on my account are currently approximately {$230.00} per month. While the amount varies month to month based on activity, at this time Discover has overcharged me by well over {$1000.00}, and will not refund or credit back the overcharges and refuse to honor their 0 % promotional offer for purchase charges.

Based upon Discover 's actions, they have improperly reported my account to the three major credit bureaus and are in violation of the Fair Credit Reporting Act. In addition, banks must send an interest rate increase notice at least 45 days in advance of the increase. This is a requirement of the Truth in Lending Act, a Federal law that protects consumers against lenders. Discover has violated this law by its failure to notify me of the increase in interest rate on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-19
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX Rushmore Loan Management Services made a payment from my escrow account for {$300.00} for Mortgage Insurance ( PMI ) due XX/XX/XXXX. The payment due XX/XX/XXXX was made by XXXX XXXX XXXX ( my prior mortgage company ) before the servicing of the loan was transferred to Rushmore. 

I spoke to Rushmore on the phone for nearly an hour attempting to resolve this and received nothing but the runaround from the representative as well as the supervisor that I spoke to. They said it was my place to prove that the payment was made by the prior mortgage company. These are records they should have received when accepting the transfer of responsibility. 

I paid to have proof faxed to them that the payment was previously made and have yet to receive any response. 

Rushmore Loan Services reviews speak for themselves. They are a terrible company to deal with and it is even worse that they were not selected, the loan was merely transferred to them. 

I find it absolutely crazy that they actually reside in Puerto Rico and are treating United States consumers in such a way. I hope the Federal Government steps in and shuts them down. 

I want the overpayment/duplicate payment of {$300.00} refunded to my escrow account ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: Adler Wallach & Associates, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I pull my credit report and found out that AWA COLLECTION/ ORIGINAL CREDITOR : XXXX ACCOUNT # XXXX. I am filing this complaint against them for non-compliance violations. I wrote them a letter of validation on XX/XX/XXXX certified mail with return receipt. They received on XX/XX/XXXX and wrote back on XX/XX/XXXX. The AWA Collection has the following non-compliance violations : 1 ) They have no copy of a signed contract where I allegedly agreed to pay the charges.

2 ) The medical bill reveals personal medical information about me. ( This is violation HIPAA- HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ), rules prohibit disclosing my individual 's protected health information unless you specifically authorized them to. 
3 ) Creditor is reporting history inaccurately such as last date reported and last activity dates are all wrong : The case US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan. This defamation and causing me financial injury. The fine extent of damages incurred by the wronged party as deemed by the court. 
4 ) Collection agencies " Re-Age '' by reporting the date of last activity instead of the date of the first delinquency. 
5 ) Collection Agency, has not validated my debt and they are still continue to report to the credit bureaus. Consumer protection afforded by the FDCPA Sec. 809 ( b ) FTC opinion letter XXXX from XXXX fine of {$1000.00}. 
Be aware that I am making a final goodwill attempt to have you clear up this matter by removing this item from my credit report. I am maintaining a careful record of my communication. I further remind you and the credit bureaus as in Wenger v. Trans Union Corp., No.95-6445 ( C.D.Cal. Nov. 14, 1995 ) you may be liable for your willful non-compliance. This matter is harmful to me especially doing this COVID-19 panedamic please delete immediately.

Company response to consumer: Closed with explanation